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

I have repeatedly told XXXX  & Experian that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Checking or savings account

On XXXX the XXXX I was in XXXX XXXX and went to an ATM to get cash to pay my apart hotel. While making the ATM transaction the ATM rebooted itself and after a process of fifteen minutes didn't give me any money and didn't give me my debit card bank. Anyway the bank debited the money and a fee for non Wells Fargo transaction fee. I travel for work often to XXXX. This was from our business acount checking acount. I reported the problem inmediately and requested a credit and a debit card replacement. The bank closed the claim without crediting the money, replace the card and notifying us about any investigation. I'm sure the bank counted the money and was a surplus of money at the ATM but Wells Fargo want 's to save time and money by just not taking any action.
Product: Debt collection

Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( blocked.Inc ) due to inadequate customer service and unfair practices which violates the customer financial practice act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraudulent activity on their platform, due to not taking the necessary measures to protect my account leaving it vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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
Product: Credit card or prepaid card

Sezzle offers a Mastercard virtual credit card service issued by XXXX XXXX for purchase on various merchant websites. On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX from XXXX in the amount of {$310.00}. This merchandise was shipped by the merchant on XX/XX/XXXX via XXXX tracking # XXXX. The last activity for this package was on XX/XX/XXXX and has no activity since that date. A lost package case was opened with XXXX and multiple attempts to contact XXXX remain unanswered. Sezzle offers a dispute resolution service that I have attempted to utilize through their dashboard. I submitted an initial request on XX/XX/XXXX that remained unanswered and a subsequent request on XX/XX/XXXX which was answered on XX/XX/XXXX. Despite requesting that the transaction be disputed due to non-receipt, Sezzle informed me the issue was between the merchant and/or shipping service. This is contrary to the " dispute resolution '' processes stated on their site and they refuse to take action with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reported on My Credit Report Dear Sir/Madam, I am writing to formally dispute the charge-off reported by [ Creditor 's Name ] ( Account Number : [ Account Number ] ) on my credit report issued by your agency. I believe this information is inaccurate and is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit information must be accurate, verifiable, and up-to-date. 
Disputed Item : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I dispute the accuracy of the charge-off and inquiries listed on my credit report. The account in question was [ state the nature of the error, e.g., " paid in full, '' " settled for less than the full amount, '' " closed without a charge-off, '' etc. ]. I believe this account is being inaccurately reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609, I request that you conduct a thorough investigation into this matter and provide me with the results of your findings. If the charge-off can not be verified or is found to be inaccurate, I ask that you immediately remove this entry from my credit report, as it is negatively impacting my creditworthiness.

Requested Action : 1. Investigate the charge-off entry with the original creditor ( or furnish the relevant documentation supporting the charge-off ).

2. If the charge-off can not be verified or is found to be inaccurate, remove this entry from my credit report.

3. Provide written confirmation of the investigation 's outcome, including any updates to my credit report.

Please send me a copy of my updated credit report after the dispute has been resolved. I have enclosed a copy of my identification and proof of address for verification purposes.

I expect this issue to be resolved within the 30-day period mandated by the FCRA. If you require any additional information or documentation, please let me know at your earliest convenience.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following hard inquiries reflect on both my XXXX and XXXX credit report which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute remarks were added to my account on XX/XX/2018. I immediately called Chase and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a Chase representative that the marks would be removed.
Product: Debt collection

XXXX XXXX XXXX made no effort to correct their errors and continue to submit incorrect information to the credit bureaus. New Documentation attached Consumer unsatisfied No correction to consumer credit report as o

f XX/XX/2017. Capital One deceivingly removed their once reported cha
rge off and closed status as years past, and now reports that the account is active and 120 days past due amount {$120000.00} only which is false information. Capital One is repeatedly omitting the charge off status and is attempting to conceal and eradicate that a charge off ever existed. Therefore, I am requesting that CFPB enforce XXXX XXXX XXXX to report a charge off and closed status to all credit bureaus or to remove the inaccurate account. I am completely unsatisfied with the results of Capital One response dated XX/XX/2017. Capital One erroneous reporting caused me not to receive employment at the white house.They are reporting only to collect a debt with an amount that 's outrageously wrong that was previously charged off and past the statute of limitations.
Product: Debt collection

THIS NOT A DUPLICATE ISSUE AND CITIBANK IS FRUADULENTLY COLLECTING VIA FALSE REPRESENTATIONS VIOLATING Minnesota Statute 548.101 AND NOT PROIVIDING EVIDENCE AND LETTER TO XXXX XXXX TO INVALIDATE THE " UNKNOWN DEBT ''. CITIBANK MUST REFUND {$1200.00}. 


On XX/XX/XXXX the call from XXXX XXXX stated that the debt originated in XXXX by Citibank and weeks later, it changed to XXXX then Citibank confirm this debt originated in XXXX with no documentations to provide. XXXX XXXX provided false information and without any documentations evidence to collect 'unknown ' debt that is NOT mine in XXXX which is also past the statute of limitations in Minnesota XXXX XXXX XXXX with Citibank made 'False or misleading representations ( e.g., lying about who they are, the details of the debt, etc. ) '. To date, I have not received the refund and the law requires XXXX XXXX ( debt collector ) to provide information such as the name of the creditor, the amount owed, and how to dispute the debt if you dont believe it is correct. If a debt collector does not provide information during initial contact, they are required to send you a written notice providing this information within five days of initial contact. XXXX XXXX DID NOT provide any documentations AND insisted that ONLY CITIBANK can provide all these details. I contacted Citibank and they do not have any documentations either. BOTH XXXX XXXX and Citibank failed to provide evidence to their claims of this 'unknown ' debt that occurred in XXXX pass the statute of limitations and caused myself & family very much stressful weeks, anxiety and harassments. In summary - XXXX XXXX ( XXXX XXXX ) confirmed that the paid funds were channeled to Citibank XXXX, and she is in contact with Citibank who is aggressively seeking the 'unknown ' debt. AT the same time, Citibank is denying in my reports to CFPB that they have any knowledge or involvement, Resolution : Citibank sends XXXX XXXX ( XXXX XXXX ) an affidavit that states the 'unknown ' undocumented account is XXXX balance and refund the paid total sum.
Product: Debt collection

Made contact with XXXX XXXX XXXX XXXX  and advised to cancel services as I was going to another carrier. Representatives continued to say account would be closed however, they continued to keep account open for 2 additional months and subsequently sending a notice of failure to pay for 2 months of service. I was not using the device or their service however, they refused or just did not cancel my service. Finally sent invoice indicating I owe XXXX and failure to pay will result in my account being referred to outside collection agency and it will result in a negative impact on my credit report. Received a letter from collection agency XX/XX/2019 showing a balance of XXXX
Product: Credit card

I was a Verizon Wireless customer and had a Verizon Visa card, accumulating {$370.00} in rewards. Per Verizons terms, rewards are forfeited when a customer disconnects their Verizon services. However, I still have a final bill of {$3700.00} due to Verizon, and I believe it is unfair for the rewards to be taken away when I still owe a substantial amount to the company.

I contacted both Verizon Wireless and Verizon Visa customer service multiple times, but they have refused to allow me to apply the rewards to my final bill, citing their policy. Given the significant amount involved, I feel this is an unfair and deceptive practice, as the rewards were earned in good faith during my time as a Verizon customer.

I am seeking assistance in having my {$370.00} in rewards reinstated or applied to my final bill. I believe Verizons policy is unreasonable in this case, and I would appreciate any help in resolving this matter. 

Thank you for your time and assistance.
Product: Checking or savings account

It has been over half a year since XXXX has closed my bank account but they still have not sent me any resolution on why they closed my checking account and are holding my money. This is my own money that has been held for so long and is putting me in a difficult position as to why my money has been held. Every time I try to contact them, all they would say is that they are investigating and that there has been no update at all and that they would hold my money. How long are they legally allowed to withhold me from my money?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

I am requesting the balance of XXXX to be sent to me in a check as this is the credit balance on my account and under the Under the Comment for 1026.21 - Treatment of Credit Balances and TILA Act i have the right as a consumer to request this refund credit to be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Summit Funding XXXX Main office pulled my credit report without my consent. I called Summit Funding that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from Summit Funding and XXXX XXXX XXXX ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.
Product: Mortgage

I am behind on my mortgage there is a current complaint ongoing with Ditech and XXXX XXXX XXXXXXXX. I received a letter for Ditech stating that my request for assistance has been denied because the application was not complete.The issue is I have not submitted the paperwork. I have not received the application yet. I was sent an email but the attachment ca n't be opened. I contact Ditech on XXXX XXXX and was told the would mail on they could email it (? ) it would take 10 days I still have not received the application. I compiled all the information needed i.e. pay stubs, bank statements hardship letter, but do not have the application.
Product: Money transfer, virtual currency, or money service

I cash app a person and I had to sue them and the judge granted me my money and cash had a court order to get my money but they refused!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Equifax had a data breach. According to https : XXXX, I am impacted by this data breach issue. I tried to get my annual free credit report from Equifax, and unfortunately, Equifax website told me that they can not identify my identity online. I tried to call them, and get no answer. The only way was to sign up to their service. I believe that Equifax is using this data breach opportunity to force me sign up to their service, which is definitely improper use of my data, and is very disgusting.
Product: Debt collection

I was a victim of Identity Theft in XXXX. My identity has been stolen, through distribution of my SS # numerous times between XXXX and XXXX. 

My identity was used to open an account with XXXX XXXX in XXXX, under my name in XXXX. Received notice of debt collection on my credit report from XXXX on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX and notified debt collector, IC Systems, of the theft with letter and copy of police report on XX/XX/XXXX. 

I noted with review of my credit report in XXXX that the collection was still on my credit report and so I called XXXX XXXX. They stated it was out of their hands and to contact IC Systems. 

IC Systems did not take any action until I called them later in XXXX and sent a follow-up letter on XX/XX/XXXX. They replied with a letter dated XX/XX/XXXX that they will no longer pursue collection of the debt to XXXX XXXX. I assumed this would take care of the problem. 

It was brought to my attention in XXXX of XXXX that the debt collection from IC Systems was STILL on my credit reports. I called IC Systems and they indicated they have no record of them sending me the letter dated XX/XX/XXXX. I resent them their letter and the police report of XXXX/XXXX/XXXX and they responded by sending me a bill for the debt of {$1500.00} on XX/XX/XXXX. I called them and they would not talk to me. 

They sent another letter XX/XX/XXXX indicating they can not reach out to the creditor and would not provide me with any contact information I had requested. Same with letter dated XX/XX/XXXX.
Product: Credit card or prepaid card

I had a Chase Credit Card payment due date scheduled for XX/XX/17 and subsequently made payment XX/XX/17 around XXXX XXXX. Chase still billed me a late fee of {$25.00} for " late payment '' though. After enquiring, I 've been told I had to make payment before XXXX XXXX ET. 
I live in California and do n't run my life according to ET. Payment was due XX/XX/17 and made more than full payment XXXX PST. It seems ridiculous and unfair to charge me late fees according to a time three time zones away.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 the 3 Credit Bureaus was XX/XX/2022, 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 following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to open up a business account and I was approved and then they were asking for other information that wasnt pertaining to the type of business that i have. I have a consulting business that consists of services for consumers to learn how to clean their credit for free and how to find their ancestors. They company repeatedly kept asking me for a description of the business and i would send it over and over. Then they sent a statement stating that i had requested business credit and I have never requested business credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY IDENTITY WAS STOLEN I FILED A POLICE REPORT. IN THE BEGINNING OF XXXX I STARTED TO SEE ACCOUNTS OPENING IN MY NAME NAVY FEDERAL WAS ONE OF THOSE ACCOUNT SO I DID ANOTHER POLICE REPORT AND PLACE THE FRAUDULENT ACCOUNTS ON THERE IT WAS INVESTIGATED BY XXXX XXXX POLICE AND THIS ACCOUNT WAS PROVEN NOT TO BE MINE SO IT WAS REMOVED FROM MY CREDIT REPORT. THIS XXXX XXXX ACCOUNT HAS REAPPEARED ON MY CREDIT REPORT WITH ANOTHER ACCOUNT NUMBER SO THAT IT COULD BY PLACED ON MY CREDIT AGAIN. IT IS THE SAME INFORMATION THAT WAS ON THERE THE FIRST TIME BUT NOW UNDER A DIFFERENT ACCOUNT NUMBER. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT FREEDOM PLUS I HAVE NEVER OPEN AN ACCOUNT WITH THEM THERE ARE NOT WILLING TO ASSIST ME WITH THIS ACCOUNT. BECAUSE THE PERSON WHO OPENED THE ACCOUNT HAD ALL OF M INFORMATION.. WELL WHEN PEOPLE STEAL YOUR IDENTITY THEY CAN YOUR LIFE HISTORY THEY KNOW INFORMATION THAT CAN GET THEM LOANS OR CREDIT CARDS OR WHATEVER THE CASE MY BE. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT