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

Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

Trans Union Removed XXXX. 

XXXX did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with XXXX when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

XXXX initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to XXXX and Trans Union explaining I sent debt verification letters to XXXX and XXXX XXXX and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to XXXX and Trans Union that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to XXXX about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to Trans Union about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. XXXX and Trans Union verified these accounts at the same time I am disputing these accounts with the creditor. XXXX took XXXX off after they did not verify in time then re added after they verified late. XXXX and Trans Union are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information on my XXXX XXXX XXXXXXXX card. They are reporting the first delinquency is XX/XX/XXXX. I filed a dispute in XX/XX/XXXX, they claim they verified it is accurate. However, XXXX removed the account from their report because the beginning of the delinquency was over XXXX years old XXXX beyond the statute of limitations. XXXX verified the account with XXXX  XXXX XXXX and the first date of delinquency was in XXXX according to their review. I believe Experian and XXXX XXXX XXXX are intentionally misreporting my credit and refusal to correct it is XXXX  due to my age, race and gender.
Product: Debt or credit management

spoke with representative at law firm after being served, made a payment plan. but no receipts have been sent for proof of payment. nothing has been sent for proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX ( XXXX ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX : XXXX, ( XXXX  ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by Equifax. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information, confirmation id # ( XXXX ). I am aware as a consumer Equifax is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$14000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the ID number for the removal of inaccurate information. Id # ( XXXX ).
Product: Credit reporting

I am a victim of identity theft and have personal information listed on my Trans Union credit report that do n't belong to me. The following addresses and employment data do n't belong to me : XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX we received a letter from XXXXXXXX XXXX  saying that there was a levy ordered by the CaliforniXXXX XXXX XXXX XXXX of {$760.00} on our account, and that this money will be removed from our account on XX/XX/XXXX. 

We were never provided any information from the debt collector on this levy. We have no idea what debt this could be. We recently purchased a home and this debt was NOT on our credit report during underwriting. We reviewed my husband 's credit report, XXXX XXXX, and found no reported debt, and our credit scores are above XXXX. 

When we call the number provided XXXX, they gave us minor details that XXXX County in California had placed a fine on my husband on XX/XX/XXXX - my husband would have been a teenager then, wasn't living in California at the time, and his driver 's license is still in good standing - which if this was a traffic violation his license should have been suspended. 

Again, we never received ANY notice until our account was already levied.
Product: Checking or savings account

I was paying my bills and I always check my balance after every bill. However, the amount wont change.
Product: Credit reporting or other personal consumer reports

Delete these accounts XXXX XXXX XXXX XXXX XXXX  SELFREPORTED - XXXXXXXX XXXX SELFREPORTED - XXXX The personal information is incorrect XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, I wrote XXXX  requesting an investigation into items I believed were inaccurate. I also sent a second request. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.
Product: Credit card or prepaid card

An automatic payment was set up in XXXX for an amount of {$1700.00} on a XXXX credit card. The first automatic payment was scheduled for XX/XX/2022. On XX/XX/2022 I noticed that the amount had still not been withdrawn from my checking account. No notice ( via e-mail or push notification ) of payment failure or payment due was received on or after the due date. Signing in to my account I find that the autopay had not only not occurred but had been entirely erased. The option to set up automatic payments was gone entirely and I had been charged a {$29.00} late fee for their negligence.
Product: Debt collection

XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating my account was being transferred to XXXX XXXX effective XX/XX/scrub>XXXX XXXX 2023. 
XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating the XXXX XXXX, 2023 loan statement for my XXXX XXXX XXXX XXXX  is ready. 
XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating my payment of {$120.00} is scheduled for XX/XX/scrub>XXXX, 2023. 
XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating they received my XX/XX/year>2023 payment. 
XXXX XXXX, 2023 Called XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, regarding XX/XX/XXXX payment. The representative said they did not get it. They can not get any information from Scratch. I will have to call them to get information about the payment. 
Called Scratch Services, XXXX, ( XXXX ) XXXX, XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX am, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XXXX XXXX 2023. 
Called Scratch Services, XXXX, ( XXXX ) XXXX, XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XXXX XXXX  2023. 
Called Scratch Services, XXXX, ( XXXX ) XXXX, XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XXXX XXXX 2023.
Product: Credit reporting or other personal consumer reports

My consumer report contains identity theft-linked accounts I never authorized. I recently informed you about this and now demand these accounts be blocked and removed immediately. These false entries are causing me serious distress and misrepresent my credit. I'll take legal action if not fixed quickly. These fraudulent items have blocked important financial goals like buying a home and supporting my family.
Product: Credit card or prepaid card

I opened my verizon visa by synchrony bank to pay both my cable and cell phone bills from verizon. They gave me the hard time to even activate my card, asked me to make a short video of myself and wave my ID while doing it, which is very degrading. At the end I found a way to activate my verizon visa card without going through all that ridiculous process like most other cards do just call a number and will be activated automatically. I finally was able to add the card into my phone and cable bills and set up auto pay on it. Everything was fine until I decided to add the card to my XXXX XXXX Here you go again they made me go through the ridiculous process I mentioned earlier, which I told them it was their loss so I declined. Here comes the problem their fraud department locked my account and I can't use card. My bills autopay did not go through. I called again today XX/XX/XXXX and they said they sent a code via USPS mail since XX/XX/XXXX spoke with customer service who said this. We have USPS confirmed delivery digest which shows all incoming mail. It has not arrived as of XX/XX/XXXX. They will not try to compensate this and refuse to expedite the mail and can not even guarantee anything. This is a bad practice from their parts. They can not forced me to add my card to XXXX XXXX if I declined to go through the ridiculous process they asked me and locked my card and assumed I am a fraud? I have not done anything wrong to deserve this. I have excellent credit and they have the worst customer service ever. They have no reason to lock my account just because I refused to be inconvenienced. They're the worst. I am not the only one but talking to their reps if you're lucky to get someone with good phone connection who actually lives in XXXX and speaks and understand english well. They outsourced from overseas like XXXX or somewhere else which is fine but they only transfer me multiple times just to disconnect me at the end. It was horrible. They need to treat their customers with respect.
Product: Credit card

The credit card in question is reported to have been opened on XX/XX/year> and the highest balance that it inquired was {$13.00}. I only noticed that there was a card opened on my behalf because I went to my XXXX bank to acquire a car loan and they denied me due to poor credit. I then went on XXXX to freeze my credit and I called the card provider to close the account, which had already been done prior to my call for a reason unknown to me.
Product: Checking or savings account

I disputed 2 fraudulent charge backs ( violation of Fair Credit Billing Act ) by Chase Bank -Chase violations of Deceptive Trade Practices and Consumer Protection Statutes. Services were never rendered, chase did not investigate and stole {$120.00} out of my checking account, Please read attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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 accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

UHEAA has stated on the website that they are not going to follow the mandate because FFEL is not considered federally held. That is not the right interpretation and needs to be resolved immediately. My other loan servicer, XXXX is has put a hold on my payments through XXXX XXXX. 

" According to the Department of Education, this benefit is only extended to federally held loans. Loans serviced by UHEAA are held under the Federal Family Education Loan ( FFEL ) Program and do not currently qualify for the interest waiver. ''
Product: Credit reporting or other personal consumer reports

No response from annualcreditreport.com for over 6 months. There is no customer service number to contact. My requests were in writing.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX, XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX credit file of XXXX XXXX XXXX XXXX Consumer.
Product: Mortgage

I have tried to resolve the property tax exemption with this company for months. 

Submitted letter from county on XX/XX/XXXX stating Im exempt from property tax Submitted corrected tax bill that reflected the months I closed on the property XXXX XXXX. The bill reflected the last two months being tax exempt for the tax bill in XXXX ( for XXXX taxes ) XX/XX/XXXX - I had the county assessor ( XXXX XXXX ) on the phone with XXXX ( escalation team ) and he couldnt be any more clear that I was exempt from property taxes. Please review the recording. 
I was told I would have resolution in 3-5 days. I followed up on XX/XX/XXXX and they said this was sent to their executive team for review. 
I called on XX/XX/XXXX and they said it was still with the executive team. 
I called this morning and loan care said the executive team doesnt review this. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was considering applying for a HELOC through my BofA. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a XXXX XXXX XXXX XXXX I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from XXXX or BofA. In XXXX XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from XXXX. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted XXXX or even called me back. I have tried to have this inquiry removed because I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a representative of Experian, XXXX  and XXXX, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report are not mine
Product: Payday loan, title loan, personal loan, or advance loan

I, XXXX XXXX, submit this formal complaint regarding Upgrade 's refusal to properly credit my personal loan account after the tender of payment was accepted. In accordance with the Uniform Commercial Code ( UCC ) 3-603 ( b ), a payment made via a negotiable instrument, such as a bill of exchange, once accepted by the creditor, constitutes full satisfaction of the debt. 

I sent three separate letters, accompanied by tender of payment, in compliance with federal law. Upgrade accepted these payments but has refused to credit the account balance or discharge the debt. This behavior constitutes a breach of contract, a violation of fiduciary duty, and a fraudulent practice under federal law, including the Truth in Lending Act ( TILA ) and the Securities Act of 1933. 

Supporting case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, establishes that once a negotiable instrument is accepted as payment, the debt must be discharged, and failure to do so is a breach of fiduciary duty and contract. Moreover, Upgrade has violated my rights under 31 U.S. Code 5118 ( b ) by failing to honor the legal tender provided for the satisfaction of the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Round Dispute - Request for Permanent Removal/Block of Fraudulent Account Under 15 U.S.C. XXXX ( a ) Dear Equifax, I am writing to follow up on my previous dispute regarding the account XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX, which I originally disputed due to identity theft and/or a data breach. As you are aware, under 15 U.S.C. XXXX ( a ), when a consumer submits a dispute alleging identity theft, the credit reporting agency is required to block and remove the fraudulent information from the consumers credit report within four business days of receiving the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you that I mailed XXXX, Transunion, and XXXX  a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX & XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. Transunion, XXXX, and XX/XX/XXXXhas not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.
Product: Checking or savings account

I have a checking account and debit card with Randolph Brooks Federal Credit Union. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX ATM that said it accepted deposits, which was a XXXX XXXX XXXX XXXX ATM attached to a XXXX branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. I entered my RBFCU debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the XXXX XXXX branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted RBFCU by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with XXXX XXXX because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at XXXX XXXX over the phone, who also told me that they need RBFCU to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the XXXX XXXX ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because RBFCU is refusing to help me or coordinate with XXXX XXXX in any way.