23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Every week money is deposited to my cash app account from my job. The perks of cash app was that i could lock my card to prevent transactions from transpiring without my consent. Anytime money is spent using my card, cash app updates the total immediately to deduct the money and sends notifications. The deducted total says pending until the merchant fully accepts the purchase. Lately Ive been ordering things from XXXX using my cash app card randomly Ive been getting notifications that my totals have been updated to different amounts from purchases two or three months ago that was deducted twice in one case three times. I called cash app their excuse was that they had technical issues which is a lie. Every time Ive made purchases my balance is deducted. To be certain I wasnt tripping I searched cash app, stealing money from people on XXXX and XXXX. I found many people having the same issue where money is deducted two or three times from their accounts with no evidence to why. When they reached out to support, they received the same answer as me that there was a technical issue that occurred between XX/XX/XXXX and XXXX XXXX. I did my part in trying to dispute my transactions but i just need my finances back i was charged three times for a transaction on XX/XX/2023 {$210.00} then {$170.00} then {$210.00} every time i was charged the amounts were deducted from my funds in my cash app  account. Then on XXXX XXXX i was charged {$360.00} for a transaction that occurred XXXX XXXX months ago so i was charged twice once when i originally made the purchase and again on XXXX XXXX which was almost my whole check so due to them taking my money i cant get to work or pay my bills. Please not that the screenshot of the XXXX transaction with the tires there was a reward balance taken off the displayed balance i paid the difference which was {$360.00}.
Product: Vehicle loan or lease

Hello XX/XX/23 I noticed a car loan taken out under my name which appeared on my credit report. Which damaged my XXXX XXXX significantly. I had called the credit card company XXXX on XX/XX/23. They had told me an individual named XXXX XXXX had taken out the loan which I have no idea who that is. The company Ally financial which is the company that the car loan was taken out of. is located in XXXX, Michigan. I have never been there or plan on going there. I am in no position to be taking a XXXX car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XXXX Attached is a copy of my State ID as well as my XXXX bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( XXXX XXXX XXXX ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.

2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/23, XX/XX/23 ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Checking or savings account

On XX/XX/XXXX, I initiated a transfer from my Marcus online savings account to my XXXX XXXX savings account. The accounts are linked. The XXXX account is a new, joint account held by my wife and I. 

On XX/XX/XXXX, the transfer request was reversed. 

On XX/XX/XXXX, I initiated an online chat to try to understand why the transfer was reversed. The person on the chat indicated that I needed to link accounts, but then acknowledged that the account was already linked. The person on the chat went on to say their system was blocking the transfer for security reasons, but could not provide any information as to why. 

On XX/XX/XXXX, I attempted to initiate another transfer, and received a message saying that I needed to call the bank. I called the bank and inquired why I still was unable to make transfers out of my account. I was informed that my wife was listed as the primary account holder, and she would have to call in to authorize withdrawals, even though it's a joint account. 

Bottom line : our money is being held by the bank, and they won't allow us to withdraw funds. My wife 's attempt to withdraw funds to her XXXX XXXX XXXXXXXX checking account- which is also linked to the Marcus account- was also reversed. So we have not way of accessing our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccuracies and non-compliant reporting on my credit file with Equifax. There are issues with both educational and credit accounts, including missing data, inconsistent reporting, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specific Items in Dispute : XXXX. XXXX  XXXX Account Reported with missing, inconsistent, and incomplete data. 
Missing telephone number, activity date, and past due amount. 
Inconsistent reporting of account terms, payment status, and creditor remarks across different bureaus. 
XXXX XXXX XXXX XXXX  Account Reported with missing or inconsistent data. 
Missing data on last payment date, account status, and creditor remarks. 

Issues Identified : Inconsistent Reporting : Data is inconsistently reported across multiple credit bureaus, violating the 5th point of Metro 2 compliance. 
Unverified Data : Failure to provide substantiated proof of the debt, including itemized statements for the educational collection. 
Missing Data : Key data points such as the telephone number, activity date, and past due amount are missing, which affects the credibility of the reported data. 

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX and XXXX XXXX XXXX  accounts. 
2. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for any disputed educational collections.

3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have negatively affected my credit score, leading to credit denials and higher interest rates. 

I request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further legal action.
Product: Credit card or prepaid card

I have opened the card account and I have already verified my identity and have full use of card. Although I have been reported to the card account which is NetSpend all access card account which is the only one that I have in use. I have seen several notifications from NetSpend skylight card account in which I have not applied for there's several other card account in the setting up for my payment to do direct deposit for my payments to be loaded to. I only have one card in use for the demand deposits setup on XX/XX/2020. I have not yet received anything from the demand deposits since XX/XX/2020. There's several different ducuments that are duplicates to my direct deposit and I am very confused about which one is really mine or the other person who is trying to access my payment information. I have notified the card company about the illegal signature to my deposit and they are telling me they are working on this although I have been waiting for the use of my card account for the demand deposits form XX/XX/2020. I am wondering why I can't use the demand deposits setup for my use after I have completed the verification of my identity and I have full use of my card. Are the funds supposed to be loaded on my card for use after I have completed the tasks for the card account. They are telling me that my direct deposit is completely done and I have to wait until my funds arrive. I have done everything that I am required to do with the card account although I have not yet received any of my payments for the documents that have been submitted and completed. I have been wondering if they have loaded my funds on a card account that I have been reporting to the card account as a card that I have not applied for and not to except any more documents for extra card account activity because I already have a card setup for my payment information for the card on file for my payment 's. They are confusing me about everything and I really thought that by now I could use the funds for my demand deposits since it was setup in 2020. Please help me with getting my card account safety and security and let this company know that I only will be using the card account ending in the card on file. This is the only card that I will be using for everything, not to allow anymore documents to be verified for other cards that I have not applied for. Skylight card account is not from me and it is illegally submitted duplicate documents and cut and pasted I. d. Documents that are being copied from my XXXX XXXX. I have changed my XXXX several times and I have reported to the XXXX service about the duplicate copies of my documents being submitted from their service site with my personal documents and personal information. I have been submitted comments on my documents for the extra duplicate copies not the use any other card account except for the card ending in XXXX for NetSpend all access card account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed federal student account that were removed from my credit report, after I sent disputes letters one XX/XX/20 about the validity of the accounts referenced in " attached '' documents. They failed to provide original documentation supporting the alleged claim that I own a debt to them. 

It is unlawful to remove accounts from my report and then add them back, I haven't received valid proof of validity. Also I was not notified of alleged debt a minimum 5 days before it was reported to my report which is false reporting! 

Therefore you are in violation of : -15 U.S. Code 1692g ( 4 ) -15 U.S.C. 1692g I will file for litigation if the violation of my rights continue, ALL accounts in my " attached '' letters need to be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EQUIFAX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXXXXXX 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

XXXXL XXXX XXXX balance {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2000.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Student loan

I attended XXXX XXXX University from the Fall of XXXX until XX/XX/XXXX. I was there for 5 semesters & graduated XXXX XXXX, XXXX. I am a former XXXX. I never had any student loans. The VA paid for my 5 semesters. But even if I had loans, it cost less than {$4000.00} per semester. {$4000.00} 5 = $ {$20000.00}. Th student loan people claim I owe them almost {$100000.00}. AND they claim I have loans thru XXXX & XXXX. I GRADUATED IN XXXX!!! They also claim I have loans at multiple universities in different cities!! I have been trying for years to get them to resolve this & all they say is, " it's your loans. We verified it '' That's complete nonsense. If this cant be resolved & these loans removed from my name & credit report, I will have to notify the FBI, my attorney and file an identity theft & fraud lawsuit. Please help me
Product: Mortgage

Champion Mortgage assured me on XX/XX/XXXX by a supervisor that my moms property taxes and our line of credit request was received and that they will deposit it in her acct. the supervisor assured me within 5 days it is now the XXXX and i was told that our request was denied again. last year their incompetence costed my mom who is XXXX years old penalty and a lot of heartache. they are at it again! the request was originally sent on XX/XX/XXXX and they lied and said they called me and i denied the request which is a lie. they record all conversations and i would like the conversation of me denying. no calls were ever made to me and this Co should be investigated thoroughly ... on XX/XX/XXXX once again i faxed over another line of credit request and realized ight away signature was missing. within! 5 min i re faxed and now they are denying again. I'm certain there is something that needs to be done with this shady Co. XXXX ( supervisor ) called and confirmed the receipt of the new fax and said $ be deposited within 5 days ... today the story changed again. ive requested a call back from her and nothing so far
Product: Checking or savings account

Both my twin sister, father and I applied for membership for USAA based on my father 's XXXX XXXX, eligibility that my XXXX is a military vet with an honorable discharge. My account and identity was verified and i was able to establish a member number but Im not able to do anything else and I have sent in my father 's XXXX as requested.
Product: Credit card

COMPANY HAS FAILED TO ISSUE REDERSS PER TERMS AND CONDITIONS FOR XXXX DISPUTE.
Product: Debt collection

I have received repeated robo-like calls from Linebarger GOggan, Blair & Sampson, LLP for months. I did not answer as I didnt recognize the name. After many months of receiving as many as five calls/day as early as XXXX, I answered the phone. 
The rep concurred that they were trying to collect debt from the business, XXXX, XXXX, VA who had my telephone number prior to XX/XX/XXXX when I moved to XXXX, VA and took the number for my personal residence.

After months of calls, I answered one, spoke to a young woman. She apologized and said their files would be corrected and I wouldnt receive anymore calls. Below are the calls Ive received since this removal of my number and correction of their files. 
XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX I called Linebarger today at XXXX and spoke to XXXX. First she couldnt find my number, then she did. I asked to speak to her supervisor, Mr. XXXX XXXX. He was unavailable. I asked for him to email me that their records would be corrected and I wouldnt be called again. I was told that he can not email. 

I advised them that I was registering this complaint with the FCC of this harassment, no attempt to confirm they had the correct person and refusal to correct their records. 

Thank you for your help. 

I appreciate this help.
Product: Debt collection

The company violated The Servicemembers Civil Relief Act ( SCRA ) time of account when collection was during military XXXX to a XXXX XXXX overseas. Supporting military orders and document was sent to the company with no respond back.
Product: Mortgage

Our mortgage has recently been transferred to a scumbag servicer called Statebridge Company. Our mortgage was paid up with a perfect record prior to these people showing up. We had our payment automatically transferred every month from our checking account to the previous servicer, XXXX. There were no problems once they got their act ironed out. 

I have tried to work with Statebridge Co several times and keep getting told that their are fees associated with doing business with them. These XXXX want a XXXX dollar fee for me to pay a XXXX dollar mortgage payment. Yes I did not mis type that. 

Furthermore, the agent I just talked to, advised me that there was a balance of XXXX dollars on my account. That is impossible as I am only 2 or 3 payments behind. How do they get XXXX dollars when it should XXXX. The agent then tells me that a XXXX dollar fee was attached by XXXX. That has to be a lie. The mortgage was paid up and current when these XXXX XXXX took it over. 

When I asked for a supervisor, I was told by the XXXX  agent, who clearly had no concern for my issue, that a supervisor was not available. 

What is most concerning is that this outfit has me 2 or 3 payments behind by their own act. I tend to believe that they are set up to use foreclosure to steal property from the public. 

Please assist me with getting my mortgage straightened out. I am on a limited income and can not afford to toss money around to every mortgage XXXX that shows up on my phone line.