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

I this company a letter dated : XX/XX/XXXX disputing the lien reported in my credit report INCORRECTLY. Please see attached credit report I downloaded last XX/XX/XXXX. The lien was reported with ref # XXXX which is the reference number which I disputed on my letter lastXX/XX/XXXX. EQUIFAX responded last XX/XX/XXXXsaying that they confirmed with XXXX XXXX ( third party vendor ) the DISPUTED LIEN REFERENCE NUMBER IS NOT REPORTING and they reported a NEW AND DIFFERENT LIEN REFERENCE NUMBER : XXXX, same filing date, same county court, same amount. I have verified with the court that this information has already been withdrawn during the last week of XXXX and yet EQUIFAX CLAIMS that this item is correct and verified. Equifax has several violations. Reporting INACCURATE PIECES ON INFORMATION, CLAIMING THAT AN INVESTIGATION WAS DONE WHEN OBVIOUSLY NOTHING HAPPENED, NOTHING WAS DONE, REPORTING THE SAME INACCURATE LIEN WITH A DIFFERENT REFERENCE NUMBER THEN STATING THAT THE FIRST REPORTED REFERENCE NUMBER IS NOT REPORTING. ATTACHED WITH THIS COMPLAINT ARE THE FOLLOWING : 1. EQUIFAX CREDIT REPORT DATED : XX/XX/XXXX ; 2. COPY OF EQUIFAX RESPONSE DATE : XX/XX/XXXX ; COPY OF THE LETTER I SENT THEM LAST XX/XX/XXXX.
Product: Student loan

Fedloan Servicing, a Department of Education Servicer stated that my student loan payments in XXXX 2016 and XXXX 2016 were returned due to " insufficient funds. '' This is not accurate since bank statements in XXXX, XXXX, and XXXX 2016 reflect the payment deducted from my bank account and never returned. In addition, there were zero insufficient fund ( s ) fees attributed to my bank account. I have provided full monthly bank statements to Fedloan Servicing and was told each time that the documentation was not thorough. My calls were escalated to a supervisor named " XXXX '' ( employee id # XXXX ) who stated all that was required was full monthly bank statements indicating all debits/credits including the deduction of my student loan payment during these months. Recently, XXXX stated the processing department would more than likely deny the bank statements since they did not include full account balances. The bank I use does not provide full account balances on their monthly statements. I provided the necessary documentation originally requested and have complied with all requirements. The bank statements for the months in question prove the student loan was deducted from my bank account and never returned. There are zero insufficient fund ( s ) deductions as well.
Product: Credit reporting

I am trying to remove a Dispute comment that I put on my account. The dispute is closed. I have been dealing with Equifax for weeks, and not only have they not taken off the dispute comments, but they have put the accounts in " Dispute status '' which is even worse. The other XXXX major credit reporting agencies took these dispute comments off immediately but I am not only getting the runaround with Equifax, but they are making it worse!
Product: Credit reporting or other personal consumer reports

I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX, with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current XXXX and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Student loan

The Ed Financial website has a way to email them with questions about your account and payments. It seems like this would be a great way to communicate. Unfortunately there is an error message when you try to type anything in the comments section ( where the bulk of your text would go to convey what question or problem you are having ). Even if you type a very short message and hit submit, the website will take a long time to process and then show bad gateway error. Basically this is unusable.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking and a new savings account with Citi Bank under this offer code : XXXX Per the offer, Citi Bank was to credit my account with {$400.00} new account bonus once certain requirements ( listed below for reference ) were satisfied. Citi Bank was to credit my account between XX/XX/XXXX - XX/XX/XXXX. It is now XX/XX/XXXX and nothing is credited yet. 

I have contacted Citi Bank customer support numerous times via Chat and Phone. Each time I was told all the requirements have been met and the bonus will be credited soon. There is even an investigation request opened by Citi Bank agent for their back office to look into the issue. The reference number is XXXX XXXX XXXX. Created on XX/XX/XXXX, and I was told 5-7 business days for it to be processed. Nothing till this date. 

Offer detail : Start your Citibank relationship today with the Citibank Account Package and earn {$400.00}. 
Heres How It Works : Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXX - XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
To waive the $ XXXX monthly service fee and {$2.00} Non-Citibank ATM fee, maintain a minimum combined average monthly balance of $ XXXX in eligible linked deposit, retirement and investment accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent out 4 letters and submitted online. I requested the method and communication, and if accounts was verifed like it said then update payment on accounts. Then accounts was moved around, and now company placed fraud hold on my report, plus I have to pay for the numeric score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a house. I am a loyal customer of XXXX XXXX XXXX for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XX/XX/XXXXsick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020, SALLIE MAE BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to an adequate customer service in unfair practices, which violates the consumer, financial protection act ( CFPD ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with arrow resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience in financial loss, and I seek the appropriate redress for these violations.
Product: Debt collection

this is my XXXX attempt trying to correct this inaccurate item from my credit report.I sent XXXX XXXX XXXX a letter requesting the validity of the alleged debts of XXXX, and XXXX on XXXXXXXX XXXX certified mail # XXXX and i haven't receive anything nor have they deleted the unverified and inaccurate items .i will turn this matter over to my attorney to sue if items are not deleted within 14 days. they have violated 15 usc 1692gb by not responding within the 30 days allowed by law. i also have attach copies below for your reference.and the tracking has it been delivered on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone went online and processed an application for a Capitol One XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2023. The bank called to verify that this was me and I told them No. I placed a freeze on all my credit processing reports as soon as possible. My concern is that these people may still have my personal identifying information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 
Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had stolen identity multiple times and I do not recall getting the XXXX. I have requested a debt Validation report and the company. They are asking me for the information to validate the debt. I have an email from them stating that they can not validate the account with the information I did. Since requesting the debt validation report, they have refused to have any more contact with me has increased the balance of my closed debt on my XXXX XXXX report.
Product: Debt collection

On 3 different occasions I sent Portfolio Recovery Associates LLC. located in XXXX VA. at XXXX XXXX XXXX. a request for debt validations. All 3 request have been ignored and I haven't received what I've asked from them at all. The amount of the debt they assume I owe is {$630.00} from an original consumer XXXX XXXX. I have demanded them to send me a copy of the original consumer contract along with the promissory note that has my signature on it and they refused to produce either one. I know there are a lot of people with the same name as mine and I don't want to pay a debt that belongs to someone else. In order for me to pay this debt I would like to see a copy of the original consumer contract and promissory note. Portfolio Recovery Associates LLC, has refused to produce any contract and is now damaging my credit report by posting an inaccurate collection account on my report without verifying proof of a contract. Please help me fix this problem ASAP.
Product: Credit card

XX/XX/2023 -- I complete a XXXX card application which is confirmed that day. I never receive this card ; to this day this card has never arrived nor been activated by me. 

XX/XX/2023 -- I receive the following text : " FreeMsg : OneMain Fraud Ctr : # XXXX Case # XXXX Did you attempt {$1000.00} at XXXX XXXX XXXX with card XXXX? Reply YES or No. Opt Out reply STOP '' XX/XX/2023 -- I reply No. 

XX/XX/2023 -- FreeMsg : OneMain Fraud Ctr : Thank you. Your card is temporarily locked. We will call, or you may call XXXX with Case XXXX. 

XX/XX/2023 -- I receive a phone call requesting I pay a bill on this card that I neither received nor activated. I let them know the card was intercepted and activated fraudulently and that I have never received, activated nor used this card. They say they'll look into it and will close down the account. 

XX/XX/2023 -- I receive a phone call stating " my bill is overdue and must be paid. '' Eventually I get to an agent ; again let them know card was activated fraudulently and used for purchases. I request transfer to fraud department. I explain the situation again to fraud department ; they tell me the account was closed successfully ( although it is still showing on my credit report ). They assure me I am not responsible for fraudulent charges, they will remove account from credit reporting and to confirm my email address for an email from their " back office '' which should arrive in 7-10 business days. This email is never received ( I have continued to check spam and junk folders ). 

XX/XX/2023 -- I receive the following text message : " FreeMs : OneMain Fraud Ctr : XXXX Case XXXX Did you attempt {$32.00} at XXXX * XXXX XXXX with card XXXX? Reply YES or NO. Opt Out reply STOP '' Given the card has now been closed for over a month, this final fraud alert should pretty transparently show that the card was activated fraudulently with a fake SSN. 

Considering the slow and incompetent response, OneMain really needs to be accountable for the poor handling of fraud on their cards. This entire account needs to be removed from my credit report as was stated by their own agents.
Product: Debt collection

I received a credit alert in regards to my credit report that Amsher Collections is trying to collect a debt for XXXX. I contacted Asmher Collections, they advised that the account is not at there office put they are the one reporting the account to the credit bureaus. I advised Amsher that I was unaware of the debt and asked them how they got my person information and they referred me to someone at XXXX. I advised that I would contact my XXXX if they do n't remove the account, the representative hung the phone and would no longer speak with me.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Account with Capitol One - fraudulent charge of XXXX - called capitol one they can't do anything as the charge is pending, even though they deducted the amount from my account. It doesn't matter that I may have other legitimate charges coming thru on my account that will not be honored now. 

I'm supposed to call claims, the recording says the wait time is 10 minutes, it is now 19:11 minutes and adding. 

It makes no sense at all that they can deduct the amount from my account but can't put in a claim as it is " pending ''. Pending should mean that the amount is not deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 process 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 financial loss, and I seek appropriate redress for these violations.