23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to   XXXX   in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear back   from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX  that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  open disputes wire Equifax  1.  Dispute number  XXXX  submitted this redispute online late at night on  XXXX / XXXX / XXXX  which Equifax has listed as  XXXX / XXXX / XXXX  which is ok but today is  XXXX / XXXX / XXXX  and this still shows as pending and it is over 30 days I have disputed and redisputed these item s - 1.   XXXX   XXXX    XXXX   inc.  XXXX  original creditor  XXXX   XXXX . We called   XXXX   XXXX   XXXX   XXXX   and gave them both my and my husbands social security numbers they have no records of us never have and they said there is nothing they can do for us. We moved out of  XXXX    XXXX    XXXX   XXXX  and we owed nothing in fact we got our deposit back. We called them and they said the company was sold in  XXXX  and they have no prior records.  XXXX   XXXX    XXXX   is from original creditor  XXXX   XXXX  it is a medical debt. I went in for my yearly well check which is covered at 100 % by my insurance no copay at all. I called the office years ago about that and told them that my insurance says I pay zero for a well checkup. I moved twice since that time and I thought that they understood and were going to correct the bill to zero. I called the collection department when I saw this was on my report and they sent me what they said is proof that I owe them the doctor charged the insurance company for  XXXX  office visits at the same time so for the second charge they billed as a visit with problems which does have a  XXXX  copay. But that billing of the insurance for  XXXX  visits at  XXXX  time as if I had a well checkup and a problem visit was a lie. I was seen by the doctor very quickly had the well check talked and laughed just a very short time and then I was out of there. They added  XXXX  fee to the  XXXX  copay that never should have been charged. I paid them the now  XXXX  charge because we are planning on buying a house and they told me it is my fault I owe the money because I waited to o l9ng to con test it.    2. Disp ute  XXXX  was disputed and redisputed over and over. We lived and worked and paid our State taxes to  XXXX  in the years from  XXXX  to  XXXX / XXXX / XXXX . The state of  XXXX  filed tax liens against us for the years  XXXX   XXXX  and  XXXX . We proved to the  State o f   XXXX   and the credit reporting agencies I sent in the null and void letters that we finally got from the  State  of   XXXX    (  after fighting with them and proving that we never owed these over and over for years. The letters from the   XXXX    Department  of Taxation says that the tax liens were filed in error never should have been done. Equifax still has not deleted these even though the proof was uploaded to them online and tomorrow will be 30 days on this redispute, which has been disputed over and over.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

My daughter had a XXXX XXXX XXXXn XXXX. The visit was filed on my insurance. We did not receive a bill until XXXX of XXXX. I contacted the XXXX XXXX and was told they were having computer issues at the time of her visit and their bills did not get generated. This was unacceptable to me as this was now the next insurance year and therefore I could not pay properly out of my HSA as it was almost whole year later. I disputes with them and they sent me to collections. The collection agency contacted me and I did pay the balance. They did not report until after I had paid in full. I feel this is very unfair. I work hard to keep everything paid on time and my credit score high. I have contacted the collection agency several times and they will not take it off. XXXX and XXXX removed the item but XXXX would not. I would like the company to understand this error and please make it right.
Product: Student loan

Navient Solutions XXXX Inc. ( formerly XXXX XXXX ) locked me out of the online payment system without notice, suspending my ability to make payments on my account, the reason they stated for this account suspension is because I sent XXXX XXXX a letter in XXXX of 2006 asking them not to contact me my phone about my account. I have been making online payments since 2006 with no problems until now. I have receive NO correspondence from Navient about this action. My account was turned over to their litigation department and I believe they are trying to force my account into a default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and seek appropriate redress for these violations!
Product: Debt collection

I initially received a written demand for payment from ZenResolve, located at XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ, XXXX, stating that I owned a debt in the amount of {$1800.00} to XXXX  XXXX  and they they were hired to collect the debt. I did not take a loan with XXXX XXXX or any other lender for the requested amount and have no other loan debts other than my home mortgage and auto loan. Simply put, I never borrowed the money that ZenResolve said that I owed. 

I promptly called and then sent a letter to ZenRolve telling them that the debt was not mine and asking for copies of the purported loan documents. Shortly thereafter, ZenResolve sent me a letter setting forth " payment history on the account using your banking information with XXXX  XXXX  ending in XXXX '' along with purported loan documents. The purported loan documents contain my name and address along with email address and telephone number. The purported lender which is " XXXX, XXXX d/b/a XXXX  XXXX, an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... '' A copy of then letter and purported loan documents are attached. 

I have never had any account at XXXX XXXX XXXX XXXX. The telephone number and email address stated on the purported loan documents as mine are incorrect. The loan documents contain no information about me that is not readily available from the property appraiser 's website. 
The loan documents are unsigned and only contain my typed name. Finally, I have never heard of nor had any business dealings with XXXX, XXXX  XXXX  or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted ZenResolve and raised the following points. They did not affirmatively say that they would stop calling me at work and mailing me payment demands. They did however tell me that they do not report their debts to " collection agencies '' and that the debts they seek to collect to not appear on credit searches. This is very strange since their actual business is debt collection. Also, I can not think of a reason why a legitimate lender would not report a delinquent debt in a manner that would be reflected on my credit search. 

I believe that ZenResolve and/or XXXX XXXX are engaged in a fraudulent collection scheme where they fabricate loan documents based upon information readily obtained via public records and try to pressure people into making payment. 

I sincerely hope that you will look into this matter. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Violation of 15 U.S. Code 1681c2 and 15 U.S. Code 1681s2 Block of Information Resulting from Identity Theft** Experian was noticed three times of the following accounts that was listed letters sent certified mail and via online to assure delivery. I was denied NOT ONCE but three times to block the fraudulent information
Product: Credit card or prepaid card

Since last XXXX, I have been having problems with my capital one credit card. 

They, without reason, blocked my personal and corporate credit card of my company and also access to my online account. 

After many complaints, I have not been able to solve it since capital one needed to verify my identity, sending a code to my cell phone. The issue is that I don't live in the USA and I don't have a phone in the USA. 

According to capital one, it is the only way to verify my identity. After filing a claim with the Consumer Financial Protection Bureau, I got them to call me on my phone ( in XXXX, where I reside ) and they gave me the opportunity to send a photo of my passport ( the only document that the United States government requires - Migration Ofice - to enter the country ) and my account and credit cards were restored. 

But now, again without cause and surprisingly, my cards and access to my online account were again blocked. It really is a real nightmare since I have been a client of Capital One for 18 years, with an excellent record. 

In addition, due to the covid-19, I have had to return tickets, hotels and XXXX that I had contracted for XXXX, so I have a balance in my account, which I can not use. I request that the problem be solved by unlocking the credit cards and access to my online account
Product: Credit card

On XXXX XXXX, 2016 I took advantage of an offer on XXXX to " Earn a {$100.00} Statement Credit and XXXX Bonus Miles '' when I " Apply for the XXXX XXXX XXXX Credit Card from American Express. '' The offer, which expires XXXX/XXXX/2016 is still posted. American Express gave me only {$50.00} statement credit and refuses to allow me to submit screen shots as proof and refuses to allow me to " dispute '' the amount. My billing period has since closed and I am responsible for owing an additional {$50.00} which should have been part of the {$100.00} credit. They opened a case for which they will not allow me to submit proof, and said it will be resolved in 6-8 weeks ( AFTER I will have paid the additional {$50.00} ). Delta has acknowledged that the offer is still posted and gave me a {$50.00} airline credit toward a future flight, but advised since AmEx is the card issuer/bank, I must get the additional {$50.00} credit from AmEx. AmEx says I must get it from XXXX. XXXX at least listened, acknowledged and took action. AmEx has refused any responsibility and has told me 1 ) I am mistaken ; 2 ) perhaps the offer was n't valid when I applied ( even thought I have a screen shot ) ; says it is none of my business whether or not this has happened to many OTHER customers who applied for an AmEx card via the same offer. AmEx still holds me responsible to pay the extra {$50.00} on my statement, and will not suspend it until the case is resolved. Amex will also not record it in my online credit card profile to show that there is an open case. This seems at the very least to be unethical trickery by AmEx. I hope their investigation includes ALL customers - not only those who complain - who have been cheated out of {$50.00} on their AmEx statement. {$50.00} x many customers can potentially add up to a lot of money making AmEx richer while their customers get cheated. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from XXXX, XXXX, and Experian Credit Bureaus, so on XX/XX/2023, I send XXXX, XXXX, and Experian Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXXXXXX XXXX XXXX  # XXXX 2. XXXX  # XXXX 3. XXXX XXXXXXXX # XXXX**** Today XX/XX/2023 I check my report with XXXX XXXX XXXX XXXX and Experian, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank you.
Product: Mortgage

Our home flooded when a bathroom sink pipe broke while we were away at XXXX. PennyMac financial has been holding our insurance payment for over {$120000.00} that was long ago paid by our home insurance company. The work is almost entirely completed, and they still have n't sent any initial funds. PennyMac has been passing the papers around internally, re-requesting documents we already sent, missing deadlines, and failing to communicate appropriately. They have less than 20 % loan to value on our property, and yet are still withholding our check where repairs are 90 % complete. Several times they have claimed that checks are on the way, and we find out later they are still not giving honest answers. We call them daily now, and they put a different person on the phone each time, and will not have supervisors call us back. We have paid our XXXX money out of our own pockets for the repairs as he is 90 days into the project. There seems to be no end in sight to their ability to keep deferring things 72 hours, 3-5 days etc, for problems that are all created on their end.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

I made a payment to my American Express credit card for processing on XX/XX/2023 in the amount of {$7000.00} to be debited from my Citi checking account. After a few days I noticed my balance still had not updated and I checked my American Express account as well. Payment still had not processed. I contacted Citi and they said they sent me a letter that my account was on a hold due to a change of address. I moved well over a month ago. Payments have been processing all month since my change of address. If there was an issue they should have called, emailed or texted me if there was suspected fraud or any hold on my account. I should be made aware directly asap. A letter that takes 7-10 business days is not acceptable. I still have not received this supposed letter as of today. So not sure this supposed letter exists. They finally released the hold on my Citi checking account after I called them. I then contacted Amex and they said the payment was denied/rejected by Citi. They said they would try to process the transaction again but it was denied again by Citi when I had plenty of funds to cover it. Because of this my payment was deemed late and I was charged {$190.00} in interest because of Citi mismanagement of my funds in my checking account. I have never been charged interest as I akways pay my statement balance in full. This is unacceptable. Citi needs to pay my interest fees since they are responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments on my report that is causing me hardships and XXXX I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.