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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Debt collection

I was only aware of the company today XXXX XX/XX/XXXX XXXX as they re ported a collection to the credit bureau XXXX. I didn't know who they were and why they were saying they try to collect from me. I had the same address until XX/XX/XXXX and still have the same phone number I have had for over 20 years. No correspondence from this company or anyone else they claim to represent XXXX XXXX  XXXX XXXX XXXX. I called the comopany to find out who they were and what they wanted.
Product: Money transfer, virtual currency, or money service

( 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 the 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 appropriate redress is sought for these violations.
Product: Debt collection

XXXX XXXX XXXX  and collection services of Nevada Have conspired to fraudulently charge me with this collection charge off. XXXX XXXX XXXX  has fraudulently has accounted for billing against me and file collection charges against me. XXXX XXXX XXXX  has no legitimate documents to prove other than written dollar amount that don't comply to the documents of charges that I haven't closed as follows if you look at the charge she it doesn't respond or connect to the handwritten dollar amounts that are on the accounting and billing statements. This is utterly nothing but a fraud set up and I want this taken care of legitimate XXXX.
Product: Credit card or prepaid card

Applied for the Barclays Jet Blue Credit Card promotion offered when booking my jet blue XXXX on XX/XX/22. I was approved instantly but told that Barclays doesn't auto populate the card to allow the {$250.00} promotional credit which is clearly advertised upon applying and is the reason I applied for the credit card. I was told I would have to wait 10 days for the card to come. Meanwhile, I lose today 's offered fare promotion and have to book another flight within 90 days to receive any points or promotional credit on this credit card! 

I spoke to XXXX different managers, before i was transferred to the US where XXXX informed me that Barclays is aware of this, they have had other complaints, but unfortunately they can not provide me with anything to book my fare today. 

Deceptive advertising and practice by a Bank and Company when credit can be provided instantly with technology. 
I have a call into Barclays Presidential complaint office as well as Jet blue. This needs to be stopped now! How can these companies use such deceptive practices and get away with it!!!! 

OUTRAGED - BEWARE JET BLUE CUSTOMERS AND XXXX CREDIT CARD HOLDERS!
Product: Credit reporting or other personal consumer reports

Recently, did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy ei report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX all not mailable addresses
Product: Bank account or service

On XXXX XXXX, XXXX, at XXXX PST somebody wire the Amount of {$16000.00} to a XXXX XXXX XXXX Account endi ng on XXXX ( I do not have the full Account Number only XXXX Last Digits ) from my Paypal Account without my Authoriz ation. This is Grand Theft I have contacted Paypal on several occasions, starting on XXXX XXXX, XXXX, then XXXX, then XXXX XXXX and the y said there is no issue and they do not want to help me. They always said somebody is going to help me but nobo dy contact me. 
I went to XXXX XXXX XXXX, to verify and they are willing to help me if I give them the complete Account Number wh ere the money was wire to so they can trace who it belongs to, the manager of XXXX XXXX XXXX contacted PayPal, a nd they did not want to help. They said I need a subpoena. 
I filed a Police Report. 
I do not know what to do since Paypal does not want to help me find out who stole my Money. I need to get the co mplete XXXX XXXX XXXX number so XXXX XXXX XXXX can trace the wire. 
I requested Paypal to give me the IP of the Transaction but they do not want to help me, I am sure that if we find o ut the IP we can trace who got into my Paypal Account
Product: Credit reporting or other personal consumer reports

I have requested Experian update my Address and they update partial of my Address I am Asking Again to have my address updated I have Mailed DL/proof of address to XXXX Disputes.I also enclosed documents verifying my Address
Product: Consumer Loan

At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.
Product: Credit card or prepaid card

XXXX I spoke to a senior account manager at Capital One who said I could only get offered two options. The account manager understood very well that {$40.00} was my budget every month for this account. She then proceeded to tell me about two options, one was to pay {$63.00} for three months which would go towards the minimum payment due which is an inflated amount of {$190.00}. The other was to have a lower apr of 7 %, pay {$17.00} a month, have no access to the card and when the balance is paid off the account would close. I have asked repeatedly to have the late fees that I was charged for XXXX and XXXX waived so that I can manage my card again. As you can imagine my balance has been artificially inflated due to their late fees which they kept repeatedly accruing despite the fact that I am making payments on a timely basis. I have said in my previous case number XXXX that they were enriching themselves and not willing to work with me. CFB made it a point to close the case as soon as the company responded. This despite their unwillingness to work with me by giving me a hardship plan and the other retaliatory. I have been a customer with Capital One since 1999 and they could care less about losing me as a customer. They see my complaint as justification to close my account. This shows their business practices which are unfair and retaliatory. I am trying to work with them and they are refusing to work with me. I don't care what their terms and conditions are. They are exorbitant unfair and need to be changed.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Macys/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Despite my previous 3 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 3 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after three written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who can fix this, I have followed all the necessary steps and until today I have no answer.
Product: Checking or savings account

I have an Wells Fargo " Opportunity Account '' which allows me to withdraw " {$300.00} ATM & {$500.00} daily spending limit. '' I called into the banking center and spoke with XXXX XXXX to request a stop payment on a ACH for a against XXXX XXXX  on XX/XX/2018  @ XXXX XXXX CST in the amount of {$1800.00} because I knew the payment would not go thru on my debit card because of the amount. But the telephone bank representative submitted my request against my debit card instead and as a result the payment was processed and posted. I spoke with " XXXX '' a manager from the escalations dept. and he confirmed that the bank representative processed my request " incorrectly. '' The tone of the manager, lead me to believe that this error would be corrected and the funds put back into my account. 
The Circumstance for the stop payment is to help with an " serious '' medical condition with my father who is currently sick and requires special medical treatment. 
I explained this XXXX who was very " empathetic '', which made feel like the bank truly cared and everything was going to be okay. 
But when I called back a couple of days later to check the status of the issue, I was transferred to the Customer Care Business Office and spoke with " XXXX XXXX '' who was very " rude '', her tone was " appalling '', and her attitude was as if she could " care less '' about my entire situation. 
Now Wells Fargo non-apologetically, refuses to refund and/or make right their mistake and I've now experienced a financial hardship due to the mishandling of my request. 
I believe the Wells Fargo " misrepresented '' the core of their vision, by violating the " Error and Omissions '' as well as the " Business Practice Ethics '' ultimately failing the customer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is still reporting an old closed account on my credit report in the amount of {$340.00}, which is older than XXXX XXXX XXXX. This is illegal and I want this item removed. I have already disputed this item multiple times and they unlawfully continue to keep it on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My state tax lien was vacated/expunged by the DOR, however it is still showing on my Equifax credit report. I sent a certified letter to Equifax onXX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and Equifax did not delete the tax lien from my credit file. Their response was they verified the information with XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the DOR records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with Equifax because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX/XXXX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name XXXX XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account My personal information was compromised from the social security breach. 
These accounts also show different open dates on each credit bureau. Violation under the Fair Credit Reporting Act 1681i of the Fair Credit Reporting Act.
Product: Student loan

My student loan servicer is MOHELA. I applied for the SAVE student loan repayment plan as soon as it was announced by the Biden administration. I called MOHELA in XXXX to understand why my application had not yet then been processed, and was not given a satisfactory reason. The customer service representative told me she would " flag '' my account to have my SAVE application processed faster. Despite this, nearly 7 months after applying for the SAVE repayment plan, my application STILL has not been processed. I am continuing to accrue interest I otherwise would not be accruing had my application been processed in a timely manner. It is ridiculous that the loan servicer has a monopoly on student loan servicing, I have no other recourse, and the company can not process a simple application. It is doubly absurd that these loan servicers receive millions of dollars in payments from the U.S. government to deliver such poor service to student loan borrowers like myself.

I simply want my SAVE application to be processed!
Product: Credit reporting or other personal consumer reports

I been trying to solve this problem with agencies and debt collectors for too long now. Fraudulent items were added without permissible purpose and without being totally accurate. I am a litigious man and I am taking the necessary actions to utilize my rights under the FDRA to make sure that the agenencies comply with the law and remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of FCRA, TransUnion, XXXX, and XXXX ALL reporting AND supplying inquiries over 2 yrs old thereby giving creditors false and misleading data causing financial harm to me and causing me to get turned down trying to purchase automobiles and other credit products. 
THIS HAS been reported several times before and they lied and said data was removed yet it is still being reported.
Product: Vehicle loan or lease

XXXX left in the FEDERALTRUTH-IN-LENDING Disclosure and they interfered with registration of vehicle tag.
Product: Checking or savings account

Unauthorized debit card use by a person who is also being investigated for elder abuse. Went into the branch location on XX/XX/XXXX to close an acct and report unauthorized use of a debit card. Rep for the bank printed off bank statements from XX/XX/XXXX- XX/XX/XXXX and had me to highlight each item disputed. We received a call from a different rep from the bank at the time my grandfather was XXXX  at the hospital, we were provided a contact # to call when he was discharged and when we call this rep said that because he could not verify any transactions on the acct that she could not help him and referred us back to the local branch. I called the local branch and was issued an appt to meet at the branch on XX/XX/XXXX at XXXX only to arrive and nobody was there. I called the branch today XX/XX/XXXX and asked why I was given an appt and nobody was there. I was told that there was an emergency at 2 other locations so the appt was canceled. She then proceeded to say that I would once again need to bring my XXXX year old grandfather into the bank again to confirm what he has already provided to the first rep on XX/XX/XXXX. I feel like we are getting the run around and nobody is able to give us any answer or explanation
Product: Debt collection

Per the state of IL a collection agency MUST be licensed in the state in order to collect! XXXX is not licensed and they refuse to remove this off of my credit!
Product: Checking or savings account

I opened a new checking account at a local Citizen 's Bank ( CB ) branch. CB was running a promotion ; make {$500.00} in direct deposits within the first 60 days and CB will deposit a {$200.00} bonus. I asked the banker, XXXX, if the initial qualifying {$500.00} direct deposit could be broken up into multiple deposits, or had to be one large lump sum. She specifically told me that as long as the direct deposits added up to {$500.00}, either would be fine. 

I immediately adjusted my funding accounts at work for two direct deposits of {$250.00} each to be deposited over the subsequent two pay periods ( totaling {$500.00} ). However, the {$200.00} bonus was never credited to my account. I called in after the 60 day period expired, and was told that the initial deposit had to be one lump sum of {$500.00}. So I contacted XXXX, who advised that she reached out to CB 's marketing department and asked for an exception. Unfortunately, the exception was denied, even though she initially advised us that the qualifying deposits could be broken up. 

I attached the e-mail conversation with XXXX. She advised that she never stated that the initial deposit could be broken up. However, I would not have broken up the deposits if I was n't informed I could do so. The only reason I broke up the deposits was because it was more of a convenience ; doing the one lump sum would have required me to temporarily delete one of my funding accounts from my company 's payroll system. 

The whole ordeal has been really unfair. I know it 's my word versus the banks, but I really feel that this is a UDAAP issue. Please make an exception and credit me the {$200.00} intro bonus.
Product: Credit card

I have contacted Chase multiple times as I have not reported Fraud but my card and relationship was closed due to fraud. I told them that I never submitted fraud or disputes and they said while an employer submitted them falsely there was nothing they can do. My request is for my credit card to be reopened asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out XXXX, XXXX and Transunion since XXXX to try and fix fraudulent accounts in my credit report. I have bought services and on multiple occasions I have tried disputing these fraudulent accounts online and over the phone. I have also mailed letters to addresses they provide online and the phone. The last dispute was filled on XX/XX/XXXX, and the incorrect information is still showing even after years of disputing the information. I have provided identity theft reports and all documents the have requested and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to have an account verified by Transunion almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.