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

This is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX  Account Number : XXXXXXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
US DEPT ED Account Number : XXXXXXXX   This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the accounts are not information relating to any transaction by the consumer. Here are the list of accounts to be deleted : XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Mortgage

I applied for a loan with Rockett Mortgage and they denied the loan on XX/XX/2024 and XXXX XXXX XXXX  is holding our {$5000.00} in escrow and have not return our money.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Student loan

On XX/XX/XXXX I had contacted XXXX student loan servicing to request a refund on my student loan payments starting from XX/XX/XXXX to the present day of the call. Under XXXX XXXX I should be elegible for the refund of those payments. However, I did not receive confirmation of the request, nor in electronic form or in writing. In called back again today XX/XX/XXXX and received information that my request was processing simply by oral confirmation through the phone. I still requested confirmation in writing that my request is in process, they however declined to provide such proof. Furthermore, the current balance on my account does not reflect that a request has been made. Through my communication with XXXX, they expressed that a refund check would take more than 6 months, however, the statement on my account should reflect the balance after a refund at this point, which is not the case
Product: Credit reporting or other personal consumer reports

I disputed three accounts from XXXX that are being reported on Equifax, XXXX and XXXX XXXX incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.
Product: Money transfer, virtual currency, or money service

I purchased a Western Union ( WU ) Money Order # XXXX for the Amount of {$440.00} at the XXXX XXXX   Store located on XXXX XXXX, XXXX XXXX Pa, XXXX in XX/XX/2018. 

The money order was rejected and send back to me. I contacted Western Union for a refund. I was told to send a copy of my particular and the stub. I mailed in the requested information but until now I have not received my refund. 

Every time I call customer service @ Tel : XXXX as I'm instructed to do on the Money Order I will be told there Amount of {$440.00} " Can not be located ''. I tried the check account number # XXXX but to no avail. 

I'm asking that you please use the services of your good office to help me get back my money ( refund ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXX/XX/XXXX XXXX, DEPT OF EDXXXX XXXX, and XX/XX/XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( XXXX, XXXX. ) = to ( equaTo customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX was untair and Leceptive, as they didAnor '' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Payday loan, title loan, or personal loan

I got a payday loan but due to financial stress and other family issues I was out of work for a month or so. I was unable to pay the payday loan I took out with Cash Express in XXXX XXXX, Tennessee back in XXXX. About XXXX of XXXX ( roughly XXXX of XXXX ) I tried to call them to let them know they could expect payment from me when I was regularly working again in XXXX. The lady who was named XXXX I believe was very mean and said we are going to collect on your debt and no we cant work anything out. You cant be trusted. Youve made your bed, now lay in it. And promptly hung up. Since then I have been struggling to catch up on other bills first, since I was unable to resolve the issue with them. They then began to call me multiple times a day, averaging about 8-10 times from the same number. Im finally sick of it after they have called me 29 times today ; XX/XX/XXXX.
Product: Vehicle loan or lease

I was hit with a 30 day late payment from Capital One in XXXX of 2021 for a vehicle that I had traded in weeks before the account would have been 30 days past due. I spoke with a representative about it after seeing the late payment reported but was told that they did not know what could be done about it. I'm reaching out to you all for help in resolving this matter as it has negatively affected my credit score with all three bureaus. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!
Product: Credit card or prepaid card

On XX/XX/XXXX2023 -- As a result of a large refund made by a vendor on XX/XX/XXXX23, I requested a check be sent to me for the overage in my account ( {$1100.00} ). This was made at XXXX MST on that date. They told me they would send me a check. 

On XX/XX/XXXX23 when no check had arrived, I followed up with them at XXXX MST. I was told I hadn't waited long enough, and I would have to wait longer for the check to arrive. 

I followed up again on XXXX/XXXX/23 at XXXX MST, and said I still had not received a check and asked that it be direct deposited into my bank account that was included on my Citi account. I was told that they would do that. 

I followed up again on XXXX/XXXX/23 at XXXX MST when the promised EFT deposit never showed up. I was told that I would have to wait another 2 days for the money to show in my bank account. 

This morning, I saw that instead of issuing an EFT deposit to my bank account, they instead chose to keep the money and deposited it as a credit in my CC account. I feel I was manipulated from the very beginning so that they could retain my money and avoid sending any money I was entitled to.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX ( a Fake Company ) all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the the total amount of XXXX USD utilizing People 's United Bank services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX and they use Trans Union to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact TU to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
Product: Credit reporting 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 that is being posted to my report. 
Here is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 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

I monitor my credit report using XXXX XXXX. While checking the collections section of my report on XXXX XXXX, I discovered a collection agency was incorrectly reporting on my credit file. I filed a dispute to have the collection removed with Equifax in XXXX 2015. The investigation was completed in XXXX 2015. The company was removed but I never received any documentation from Equifax confirming the date of removal. I only realized that it was no longer reporting on my XXXX XXXX account. 

In the same month the company re-appeared on my report in XXXX XXXX as an unpaid collection to Equifax only. I thought maybe it was an error and would be corrected on it 's own. The account was still showing on my report in XXXX 2015 so contacted the collection agency. They told me to dispute the collection again with Equifax because they did n't have any record of my file in their system to remove. I contacted Equifax to dispute the file and the customer service representative never submitted my dispute request. 

In XXXX I realized the company was still falsely reporting on my credit so I decided to contact a lawyer to pursue legal action. Once my lawyer spoke with the collector, they removed themselves from my credit report & backdated the date of removal. My lawyer informed them that we were requesting monetary compensation for the damage done to my credit and the denials I received for XXXX credit applications I submitted. Their legal department requested that I provide a copy of my credit report as proof that they were reporting incorrectly after XXXX 2015. 

I contacted Equifax & requested a copy of the dispute report I filed in XXXX. They said they had no record of my dispute request ( although you can see that an inquiry was pulled by Equifax on their website for the day that I called to submit the dispute ). I asked if a manager would be willing to pull the call so they could hear that I requested a dispute be submitted, but Equifax refused & said all they can do is send me the original dispute results from XXXX 2015. The original dispute report says nothing about me submitted a dispute against the company nor does it show the date when the collection had been removed. 

The Equifax representative stated that Equifax does n't have a way to see when a collector contacts them to have their account removed from any credit file. I know this is false because I have received previous showing confirmation that a collection was removed my from report. I believe that Equifax is removing collectors from credit reports & backdating the report date to help the collector avoid lawsuits. This hypothesis is based on the other thousands of complaints submitted by others with similar experiences with Equifax. I 'd like to find out who I can report my complaint to regarding my concerns with Equifax & if they are able to help me obtain the documentation needed to continue my legal pursuit with this collector.
Product: Payday loan, title loan, or personal loan

Support is unhelpful in simpy explaining anything. They only copy and paste things that say " Sorry '' and " We understand ''. If you truly understood, you would answer simple questions. I need results not sympathy. i went up the chain of command with NO results and the same XXXX answers. Might as well just say I DONT KNOW and stop wasting everyone 's time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Experian dated XX/XX/XXXX Experian stated in the previous complaint response that they would send me reinvestigation results within 30 days. It has been WELL past 30 days since my first compliant and I still have not received anything regarding the reinvestigation from Experian. I have not received any reinvestigation results regarding this account from Experian through any mediums. Under the Fair Credit Reporting Act Subsection 611 ( 15 USC subsection 1681 ( 6 ) ( A ) Notice of Reinvestigation Results, the results of the reinvestigation must be delivered by MAIL or if authorized by the consumer for that purpose, by other means available to the agency. I NEVER authorized Experian to deliver any reinvestigation results by any other way then MAIL. I also asked Experian to provide me with the description of the procedures used to verify accuracy in previous disputes. I'VE DISPUTED THESE INACCURATE, DUPLICATE ACCOUNTS MULTIPLE TIMES. Under the Fair Credit Reporting Act Subsection 611 ( 15 USC subsection 1681i ( 6 ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone of such furnisher. HOW CAN YOU VERIFY INACCURATE INFORMATION? Them changing the status of how the disputed accounts are reporting is NOT enough because it's still INACCURATE and DUPLICATE reporting. I will not be giving you another days to " investigate '' any disputes as you have had since XXXX of XXXX to correct all inaccurate reporting. I have been trying to resolve this matter without litigation but it has caused me great stress, mental anguish and headaches and has harmed my ability to obtain credit. I have been damaged by Experians inaccurate reporting and disregard to follow federal law. I will now file complaints with the Attorney Generals offices, the FTC, the XXXX and seek an attorney to sue because Experians violations are clear as DAY and Experian has NO INTENTIONS on complying with FEDERAL LAW after I've done my due diligence to mediate this problem with civil proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX and I rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX, from XXXX XXXX XXXX who can be reached at ( XXXX ) XXXX, for two years until XX/XX/2019. After vacating, we had a final walk-through with the on-site resident manager who confirmed that the apartment was empty and professionally cleaned. 

However, a few months later, we received a notice from XXXX XXXX claiming that we owed {$220.00} for a missing cook-stove burner and a new cleaning sponge left under the sink. We immediately called to inquire about the charges and were told that they were a mistake. The manager apologized and promised to take care of the charges. After several weeks of communication between us, the manager, and the back-office staff who generated the charges, we were assured that the matter was resolved. 

Recently, I received an email from my XXXX XXXX XXXX alerting me of a " major derogatory mark '' on one of my accounts. After logging in, I discovered that Columbia Debt Recover : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TEL : XXXX on behalf of XXXX XXXX , had reported a collection item on my account for a supposed debt of {$76.00}. When I called the provided phone number to request substantiation of the debt, I received an email with only the name of the creditor and a vague " Move Out Statement '' that basically support my above recount of the event, and the original debt amount of {$76.00} as well as a total due of {$78.00}. 

I have learned from other tenants and a past employee that this is not a rare occurrence but rather a consistent scheme used by the management company to collect small nominal charges that many residents may not bother to fight. This appears to be a fraudulent practice that defrauds past residents with small insignificant amounts that may accumulate to a significant annual sum for the management company
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on a XXXX Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.