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

I, XXXX XXXX, have reviewed my credit report multiple times. I have called/emailed the collections agency, Armada, about medical debt that should not exist on my report, as I was insured through the state of Washington, and was previously XXXX inXX/XX/XXXX. However, I did not realize that debts from years ago could be disputed. I had n't checked my credit until after I moved to Pennsylvania. I received no notices from Armada, or from the original creditor ( XXXX XXXX Clinic ) about my medical debt, which is roughly {$1800.00} or more, reported last on XX/XX/XXXX.
I tried calling Armada inXX/XX/XXXX, but the number was no longer in use. It says on their website that they still use the same number. I tried to contact them via online form inXX/XX/XXXXproviding my name, my debts, my email, and my phone number. I have not heard back. I tried to contact them again on XX/XX/XXXX, after being turned down for a loan. I still have not heard back.
Those charges on my credit report should not be on there, but I was unable to dispute it due to the identity verification process. I chose answers from " none of the above, '' because I did n't recognize any of the information - a red flag that identity theft may have occurred, or is still occurring. Regardless, if I can not reach the representatives at the XXXX XXXX XXXX to resolve the issue, then I should not be penalized, nor should my credit score suffer, as well. I have tried contacting them, but I receive no attempt to communicate on their behalf.
Please reach me at XXXX and leave a detailed message on how I can return your call. I do not answer numbers I do not recognize, especially XXXX numbers. If you leave a message, I will call back, but if you do n't, there 's a good chance that you wo n't be able to reach me. Thank you for your time and patience.
Product: Debt collection

I have been called repeatedly about a payday loan that has not been validated. The collectors have called my phone, my relatives, and a place I do not work at. I told them to validate the debt which they could not or file their case. The calls are still happening. They called today stating a case was being filed against for fraud. The only information I was given was the company name is check n go or check into go or something like that. The phone numbers involved are XXXX and XXXX.
Product: Mortgage

We were going through XXXX to complete our modification, we turned in all necessary paperwork only to be called from our XXXX XXXX in the beginning of XXXX saying that we were being denied due to not having enough employment because when we first submitted the file I was on unemployment and during the process began working but with a decrease in pay. All of my pay stubs were submitted since XXXX of this year. Our XXXX representative had to submit the documentation all over again. In XXXX, we received a escrow refund check and was able to pay our XXXX mortgage with those funds not knowing that if the account was current, the modification could not be done. I received a call from our XXXX representative on XX/XX/XXXX with the bad news that since we paid our XXXX mortgage, we couldn't receive a modification. I explained to her that this is unacceptable, if the modification was completed correctly the first time before we ever received an escrow refund, our modification would have been approved and that it wasn't our fault that the documentation was there but the rep at Shell point neglected to double check the pay stubs or even ask. The reason I received was that she thought the pay stubs from XXXX until XXXX was unemployment when the pay stubs clearly state my employers name XXXX XXXX XXXX. So now we have to continue trying to pay the mortgage due to someone else 's mistake and in addition we never received the documentation of not being approved the 2nd time so that we could appeal the decision. Shell point doesn't want to work with their borrowers when they are experiencing hardship and it's a shame!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Citicards CBNA refuse to remove an account that was fraudulently added by my previous supervisor. I have disputed the account 3 times within the past 8 months, and they will not talk to anyone who doesn't have the account in their name. This is fraudulent and since they will not communicate with me as I'm considered an authorizer user, I'm out of options.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/1996 ), ChexSystems Consumer ID : ( XXXX ), Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems Consumer Reporting Agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a checking account opened at XXXX XXXX  with an account number ending in ( XXXX ), an original charge off amount of $ ( XXXX ), and a closure status of unpaid. Ive attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned checking account activities as reported. The aforementioned checking account appearing on my consumer report maintained by you was not opened, made, or initiated by me. The aforementioned checking account is the result of identity theft and fraud. I have attached a copy of a photo ID card, social security card, and a utility bill as proof of my identity. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXXXXXX XXXX XXXX ) Police Report # ( XXXX ) as proof from the XXXX Federal Trade Commission and XXXX XXXXXXXX XXXX XXXX  ) that the aforementioned checking account is the result of identity theft and fraud.
Product: Credit card

Best Buy Citi Credit Card - Misleading Promotional Balance Transfer XX/XX/XXXX - I checked my statement and noticed I had been charged interest on a balance transfer that I thought was 0 % interest with a 5 % fee until XX/XX/XXXX. 

I called the customer service line XXXX and was told that I signed up for a balance transfer that was 4.99 % and 5 % fee on said balance transfer that ended XX/XX/XXXX. 

I requested that they honor the initial balance transfer that I thought I was sending a check in for which was 0 % until XX/XX/XXXX. 

The advertisement was misleading because the top two checks offered a promotional balance transfer of 0 % until XX/XX/XXXX. So without looking I assumed the 3rd one was just the same. 

After speaking with three different customer service representatives they all told me that they aren't allowed to do anything. 

Then I requested that they hault my payments for a couple months and they refused to do that as well. 

I find this misleading and scam like behavior for the following reasons : XXXX. I truly thought all 3 checks were for 0 % until XX/XX/XXXX. 
XXXX. As soon as I noticed interest was being charged on a balance transfer I already paid for I called to rectify it. 
XXXX. Why would anyone get a balance transfer that they have to pay interest on and a transfer fee? 
XXXX. The fact the top two checks are available for 0 % and the 3rd one was the 4.99 % and an additional 5 % fee for balance transfer seems intended to intentionally confuse the consumer XXXX. The document doesn't specify if the 4.99 % is on new transactions or on the balance transfer. Even if I did think I was using the second offer no where does it say it will be 4.99 % on the balance transfer itself just transactions. 

So in the end my balance transfer was {$550.00} and now I'm paying interest on top of that. The fact that I owned up to my mistake but they still refused to help and charging me unnecessary interest seems unethical. It should be unlawful to charge additional interest on balance transfers that already charge a 5 % fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I should not include personal information, I will strictly be using initials. Full former ( maiden ) and current legal name will be provided upon request. 

I requested a credit report from Equifax on XX/XX/2019 - and discovered that they have falsely reported my maiden name ( former name ) as my current name, and my present legal name as my former name. To be more specific - I was previously XXXX XXXX and have since married, becoming XXXX XXXX Equifax 's records indicate I was once named XXXX XXXX, and am currently named XXXX XXXX. 

I filed a dispute with Equifax to correct my current legal name to XXXX XXXX on XX/XX/2019 by mail. With the dispute, I gave Equifax the following information : 1. NY State Marriage certificate to show previous and current names, 2. Copy of my Social Security Card showing my current legal name as XXXX XXXX, and 3. Copy of my New York State ID  showing current legal name as XXXX XXXX XXXX included a cover page which stated the mistake and the expected correction. 

Equifax sent me an acknowledgement of dispute received and its the dispute result on XX/XX/2019. The Equifax Dispute result shows Equifax refuses to correct my legal name to XXXX XXXX, and acknowledge my legal name change. There are consequences for this issue - which affects my credit history and future creditworthiness. 

I have a long history of credit under XXXX XXXX and since having changed to XXXX XXXX, I am unable to access the credit to which I am due.This is a proactive approach, because I know that under XXXX XXXX, there is no history with Equifax. A simple example of this is when I try to prove my identity over the phone and on Equifax 's website. They do not have a record of XXXX XXXX. - which means, that should I ever decided to leverage my good credit worthiness. I will duly fail. 

I would like to correct this on my Equifax profile. I have all pieces of evidence documented with a thorough paper trail, and seek your expertise to compel Equifax to correct their mistake. I look forward to hearing from you.
Product: Vehicle loan or lease

When I filled chapter XXXX, I was sending money to Wells Fargo and they took the money for XXXX to XXXX mths and still took my vehicles
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit reporting agencies show a balance of {$37.00} on a credit card account ending in  XXXX  under  CBNA  sinc e 2011. I do not have an account like that and I certainly do not owe any account since 2011 and have not received an y notification of such a debt. I want it removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX, is Removed and deleted off my XXXX credit report but still reporting on my Equifax report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Sincerely, XXXX XXXX
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act. 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, theirs dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was offered a quick turn around on an investment. Im starting to learn about investments so I figured it was a good deal. XXXX and Ill get XXXX, XXXX. I was later told that ill need to send them an additional XXXX to cover taxes it was then that I knew I was being scammed. The amount was still on pending and I immediately called Chase bank and they said that there's nothing that could be done. I hung up and called again and was offered technical support to see If they could retrieve the amount back into my account and they said once I hot sent that was it, money was lost. 

The person hacked into my XXXX account and changed my email and password and phone number so now I can not access my account.
Product: Credit card or prepaid card

My Home Depot credit cards were stolen from my wallet. The person who took my cards charged about {$20000.00} to them. I contacted Home Depot and was told that it looked like he was an authorized user because he signed all the receipts. I was the only authorized user.I was trying to return the items that I had found for credit to the account. Then someone broke into my storage building and stole most of the tools that were purchased. At the time my son was sick. I was working full time and taking care of my son after work. My son has since passed. I turned one account ( about {$12000.00} ) over to debt consolidation trying to get to the point of a settlement for things I didnt purchase. Now I have a court date because of this debt that I dont feel I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of XXXX. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX  XXXX XXXX  XXXX XXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My XXXX ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed item and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX XXXX XXXX ....
Product: Debt collection

XXXX reported to the CRAs PAID. CLOSED/NEVER NEVER LATE. Report included. 
Oliphant USA LLC is committing FRAUD. I responded requesting the prove the debt with a valid contract with a wet signature. The delivery was made XX/XX/year> tracking number XXXX. I disclosed the XXXX and XXXX certificates and fines. Oliphant USA LLC ignored this communication and is now liable for damages. Oliphant USA LLC is attempting to collect on PAID debt reflected on the CRA under XXXX XXXX for {$16000.00}. Mail fraud will be reported attempting to extract energy from a consumer via the United States Postal Service is a crime. Oilphant USA LLC is now responsible for taking adverse action against a consumer it has no rights to. Oliphant must Validate pay the fines listed in the communication it received XX/XX/year>. FTC please do something as your site forwards these complaints to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Debt collection

I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX XXXX  to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.
Product: Payday loan, title loan, or personal loan

This is my second time I am filing a complaint about this. I wont be writting down all. I just would like to add on to my letter below that my account is still being charged of some automated payments that I do not agree with. 

XXXX {$540.00} XXXX {$110.00} intrest XXXX {$250.00}
Product: Payday loan, title loan, or personal loan

I was approved a loan in the amount of {$600.00}. I chose the 1 yr option. I was led to beleive the outrageous interest rate was on the annual interest rate. However, i recently contacted them to find out how much I needed to pay the loan off. And I was told I owe XXXX to pay this loan off. What??? I have already paid almost 2k for a XXXX loan. This is highway robbery at it 's finest. I told them that the amount of interest is illegal in the state I applied and received the loan in. 
They said they are a tribal lender, therefore immune to state and federal law. This is so wrong. They should be held accountable just like any other business that operates within the US. Or keep it inside their reservation. Also they need to be upfront and clear about the interest rates. I was led to neleive the interest rate was annual. But to my surprise, it 's on a daily. How is that legal. I checked and the first 6 payments was entirely interest. This was not what I signed up for. They are crooks.
Product: Mortgage

On Wednesday XX/XX/2019, I contacted Caliber Home Mortgage to inquire about payment of my local city property taxes, because I had received notice from the city that taxes were unpaid and my house is subject to tax sale. Two late penalties had already been assessed and payment was grossly overdue. I spoke with a representative who promised to " escalate '' the request to have my tax payment disbursed to the city. I was told that we would have an update or a resolution by Monday XX/XX/XXXX. 
I did my due diligence by calling the city myself to confirm that no payments have come in on my behalf. I also contacted my title company to confirm that no special escrow funds for taxes due after my settlement/purchase date were being held by the title company, as that is not customary anyway. Also, I attempted to work with my loan officer who processed the loan, and he provided me with no help either. He had a colleague at Caliber look into the matter, but then decided to have me work with customer service and advised that he would no longer be of assistance. Their names are : XXXX XXXX XXXX and XXXX XXXX XXXX I called in periodically to check for a status update, and was told that the request was " being researched '' but there were no tangible updates. The managers that I spoke to were : XXXX, phone number XXXX ; and XXXX XXXX, who advised me that she doesn't have a phone number. 
I called on the promised resolution date of XX/XX/2019 at XXXX XXXX  in the morning, XXXX XXXX, and was told that there were still no updates. XXXX XXXX advised that she would call me before she leaves for the day with an update. She leaves for the day at XXXX Central time, so I am awaiting a call back, however, given the lack of follow-up thus far, I am respectfully submitting this complaint, because I feel as though I have been mistreated by the company with no recourse for actual assistance. 
Thank you.