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

I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to XXXX separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that expXXXX XXXXXXXX XXXX XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

The other credit bureaus have removed everything that was done by the individual who stole my identity PLEASE REMOVE THIS INACCURATE CHARGE ASAP.
Product: Debt collection

A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX my bank ( XXXX ) did an electronic funds transfer in the amount of {$200.00} to my Kohl 's Credit Card ( Capital One ), Trace ID XXXX. I logged onto my Kohls charge account on XX/XX/XXXX and noticed my payment had not been posted. I emailed and called customer service and they stated that my payment hadn't been received and that if I didn't make a payment immediately they would report my delinquency to the credit bureaus. I informed them that I had the information regarding the EFT and asked if I could send proof, they gave me a fax number ( XXXX ) and told me to fax the proof, which I did. I have since followed up on XX/XX/XXXX and XX/XX/XXXX and they are refusing to acknowledge my payment. As a response to my email on XX/XX/XXXX, they sent me my original message. They have yet to acknowledge my email from XX/XX/XXXX. All written correspondence is attached, I called them on XX/XX/XXXX & XX/XX/XXXX, but didn't get anywhere on the phone either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  ( XXXX XXXX XXXX ) Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Product: Debt collection

A patient with the same name and date of birth as me was allegedly treated at XXXX XXXX  XXXX XXXX in XXXX, Georgia on XX/XX/XXXX. The medical bill was not paid and I received a letter dated XX/XX/2020 from Online Information Services ( OIS ) stating that I owed payment on three debt accounts for a total of {$2900.00}. On XX/XX/XXXX, I mailed a letter disputing the debt to OIS. I received a response from OIS on XX/XX/XXXX indicating that XXXX XXXX XXXX  XXXX and XX/XX/XXXX( the parent companies of XXXX XX/XX/XXXXXXXX XXXX ) confirmed the debt was valid. On XX/XX/XXXX, I discovered that OIS had reported the debt to XX/XX/XXXXand XX/XX/XXXX. The debt appeared on my credit reports from both agencies. I disputed the debt and froze my credit. XX/XX/XXXXremoved the debt from my report on XX/XX/XXXX. XXXX  removed the debt on XX/XX/XXXX. After calling XXXX XXXX and XXXX XX/XX/XXXXseveral times, I discovered the hospital had recalled the debt from OIS. One person from the hospital billing office and one person from XXXX XXXX told me the patient actually was not treated atXX/XX/XXXXon XXXX XXXX. There are many unanswered questions in this case, but the bottom line is that Online Information Services is at least guilty of not conducting an investigation before attempting to collect the debt. On the opposite end of the spectrum, OIS is possibly guilty of the practice of Zombie Debt as it appears the patient may not have been treated by the hospital on the dates in question. People should be very cautious when dealing with an unscrupulous and unethical collection company like Online Information Services , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
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 83 financial loss, and I seek appropriate redress for this violations.
Product: Checking or savings account

XXXX XXXX and early warning have stated that a fraudulent check was deposited into my XXXX  XXXX XXXX account but that was not authorized by me and i wasn't aware of it they have close my XXXX  XXXX XXXX account blocked me from opening any new accounts at any other bank
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Personal Statement The remaining inquiries listed below : 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 Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Debt collection

Ca n't include exact dates from years ago, however the collection company known as IQ Data had  constantly called me between the hours of XXXX and XXXX for 3 weeks straight back around late XXXX, early XXXX. They had never sent an original letter/notice of collections. When asked to submit said letter as well as further proof that the debt was mine, they stated that they could not until the debt had been paid. When asked if they could provide proof that the debt is mine, they stated they could not until the debt was paid. When told that they are to no longer contact me if they could not prove that the debt was mine, they threatened to have me arrested for not paying. They constantly were rude over the phone, and used profanities. When I moved into my new apartment, they contacted my landlord asking for my information. My landlord disclosed the fact that I 'm in XXXX XXXX XXXX due to the fact that I 'm on XXXX but no other info was given. IQ data then attempted to contact me by phone further demanding that I contact my local social security office and have the SSA send documents to IQ data to allow them to collect from my benefits. I once again asked them to provide written proof in the mail that showed the debt was mine, they once again became rude with me, cursing at me, and hung up. Recently I recieved a few more calls from IQ data through the use of blocked numbers around XXXX in the morning. They also sent letters in the mail to my mother demanding she have me contact them and that if she does not, then she will inherit the debt. I am assuming this is due to the fact that the statute of limitations is nearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CITI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

Related to complaint ID No. XXXX : Brief facts : I was scammed out of {$1900.00} dollars ( see details below and attached screenshot ) : when the two transfers didn't go, I tried again and the funds were sent to the scammer. For some strange reason, cashapp is putting a negative balance on my account for the two failed attempts totalling {$1900.00}, which the scammer has already received. My balance should be {$0.00}. These old transactions have popped up at the top of my activity timeline, which appears that cashapp is attempting to modify the historical activity. I have made two calls to them to explain after they claim they sent the {$1900.00}, but XXXX XXXX called today ( XX/XX/year> ) stating they have not received any funds from Cashapp and is sending a letter to confirm this. So either cashapp has sent additional funds to the scammer without my authorization or they need to correct their math. In any event, I'm being harmed twice-by the scammers and now by Cashapp! 


Background below : I'm was in my advanced training immediately after completing XXXX XXXX at XXXX XXXX XXXX Virginia, and I received a late night text from someone pretending to be a ranking officer. They referred to themself as XXXX XXXX XXXX. They asked for my social and account number. On phone call, he was asking your pay and that supposed to be higher. I thought he was from my XXXX unit. he said I would be eligible for back pay because I wasn't receiving enough pay. He convinced me to send the pay I received as proof of the amount I was receiving so he could send me the correct amount I should be receiving. He sent me a cash app request from XXXX in the amount of {$1900.00}, and XXXX is the company who pays me, so I approved the amount. But it didn't go through. Then I received a second cash app request from XXXX for the same amount, and I approved it. Then I quickly realized my mistake and called my parents, who then called XXXX XXXX and reported what happened. XXXX XXXX has been investigating the fraud since that time, and just informed me on XX/XX/year> by letter that they " completed their research ... and the provisional credit of {$1900.00} ... has been made final. Then I learned on the same day that XXXX XXXX reversed the charges in my cash app account putting it into a negative of {$1900.00} without any notice or authorization from me.
Product: Debt collection

On XX/XX/year>, Fair Collections and Outsourcing INC. placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit card or prepaid card

CareCredit, the health and dental care credit card carrier, deleted my account without my knowledge and without notifying me of the action. My wife needs dental care in the immediate future. I had an account for years. When I discovered the account had been deleted I spent the entire morning of XX/XX/2022 online and with customer service representatives trying to get my account reinstated. The obstacles to be overcome in this process were insurmountable, including the application website informing me it was down after an extensive process of form completion. When I finally completed a form and submitted it, I was subjected to an identify verification process using a company app that refused to accept the video and photos of my id that it solicited. By the time I had taken multiple photos, submitted them, and had them all rejected, my application session had expired, requiring me to start the whole process over. When I contacted customer service I was told that my application had been denied because of the failed verification process, which I maintain was not my failure to follow proper procedure, but the result of their faulty app, the crash of their website, and failure of the website to permit me to complete the process before timing out. I just checked my credit score and it is XXXX. This company is wasting consumers ' time and causing multiple submittals of sensitive information, including social security numbers, without delivering on the advertised and expected result.
Product: Credit card or prepaid card

I had an a credit card with citi bank between XXXX and XXXX and I believe the bank overcharged too much in fees and I received a letter stating I will be refunded but till today I did not receive in check from them.
Product: Credit card

I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?
Product: Mortgage

I purchased as-is house ( second-home ) on XX/XX/2017 ; Guild Mortgage did not give me a non-disclosure form before the closing stating the landscaping problem and I was never told that there was a drainage problem with the property before the closing. Water enters the home in two difference places that I have seen after a heavy rain. I have written to the Home Owner 's Association because they are responsible for the gutters and landscaping.

After seeking help through the Association which they replaced the gutters when there is a landscaping problem. I have spend money buying drainage pipes and sand and tools.
Product: Credit reporting

Have been a victim of Identity Theft and even have an alert on all XXXX reports. Someone is running my credit for credit cards, bank accounts, and loans which is impacting my credit score and increasing my inquires. The inquires from equifax was once removed and then added back.
Product: Student loan

On XX/XX/23 I submitted an application to Nelnet for the SAVE income driven repayment plan. My application has been listed as completed on the federal atudent aid website for months, almost immediately after the application was submitted, but the Nelnet website said it was still processing. I never once received an email or a letter or any type of communication detailing what else I needed to provide. A few weeks ago I read on XXXX that proof of income XXXX need to be submitted so I did that and then the date of my application on Nelnet changed to saying that my application had been submitted on XX/XX/23. I logged in today and it said that my application was pending payment and I needed to check a recent letter or email to see the details of that payment. I have received NO letter or email from Nelnet during this entire process and I still have no communication regarding the status of my SAVE application.
Product: Debt collection

I have tried to contact this company several times and they have refused to remove this debt that I have no knowledge of, off my credit report. I have also submitted a dispute a week ago on XXXX XXXX to the debt collection company and still have not received a response. 

I run several businesses and my credit is VERY important to me as I am trying to buy a house. My credit score was 700+ before this unknown collection and it is my ONLY collection. I am XXXX XXXX XXXX and do not want this collection company to ruin my credit for the rest of my life for a debt that is not mine and one that I had no knowledge of.
Product: Credit card

On XX/XX/XXXX I received a text from Capital One asking if I was the one making a purchase of {$240.00} at XXXX  replied no. Logged onto my app saw there had been previous transactions high amounts $ XXXX which I never received notification of. They didnt flag these which I never authorized. Someone stole my card and had been using it for 5 days. I called the fraud department on the same night of XX/XX/XXXX to let them know transactions from XX/XX/XXXX and forward hadnt been authorized by me. On XX/XX/XXXX Monday they sent me a letter saying they have investigated and there wasnt enough evidence to prove the fraud. How is this possible? Please help me out Im a XXXX parent and only use the credit card when needed.
Product: Checking or savings account

I've had a Marcus Goldman Sachs online savings account since last year and have had no issues transferring funds to and from this account until about XXXX weeks ago when Marcus locked my account after I submitted a funds transfer from my Marcus account to an external account. Marcus has never called, emailed or snail-mailed me regarding the reason for the failed funds transfer issue nor why they locked my account. I've called and wasted hours of my time talking to the Marcus Customer Support and Identity Verification Teams over the past XXXX  weeks trying to understand the issue and getting it resolved with no success. All they do is spend hours verifying my identity, unlock my account and tell me to resubmit the funds transfer again. When I resubmit the funds transfer, it fails and my account gets locked. This has been going on for XXXX weeks now. 

I'M XXXX YEARS OLD AND NEED MY MONEY TO SURVIVE- PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is verifying all information less than XXXX XXXX no information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED IS PROOF OF THIS ACCOUNT BEING DELETED! PLEASE FOLLOW SUIT AND DELETE THIS ACCOUNT AS WELL. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not be on my credit report. Here is a copy of XXXX findings and proof of their removal of these items. Pursuant to Fair Credit Reporting Act, I expect you to complete the removal within 30 days. 
Please send me an updated report as soon as your investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I HAVE BEEN A XXXX CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY FICO SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO XXXX AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT XXXX XXXX  IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation