23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate service and unfair practices, which violate the Consumer Financial Protection Act, Specifically. Cash App failed to timely and efficiently to prevent and address fraud on their platform, having my account vulnerable and unprotected. Furthermore despite their resolution process was unfair and deseptive, as they did not did not comply with error resolution requirements under the Electronic Funds Transfer Act and Regulation E. These actions cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax added an unknown collection account to my credit report. This account tanked my credit score XXXX points. The account shows as a paid collections account. Prior to XX/XX/XXXX there was no collection on my credit report. Ive been in contact with the original collectors and explained to them the account was opened fraudulently using my personal information.

Collection agency XXXX XXXX Original balance {$100.00} Status Paid Account number XXXX Agency number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and accounts which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$210.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Balance Owed : {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$370.00} -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX SERVICE ) XXXX Balance Owed : {$370.00} XXXX XXXX -- -- -- -- -- XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$210.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I saw a promotion offer when I searched for tickets on XXXX, saying that I can earn {$200.00} statement credit and XXXX bonus miles after satisfying the spending requirements. I was happy that AmEx gave this offer to me. I applied for it and got approved. There is no pop-up window during my application. 
However, when I almost finished the spending amount, I asked the representatives about the offer status via online chat. They told me that I was denied for that offer. They insisted there was a pop-up window. I can be definitely sure no pop-up windows. On the other hand, I called the customer service they told me it is tracked and asked me to continue spending. It is so confusing. And I finish the spending amount, but no bonus came to my account. I was fooled. 
I also tried to create a case via calling, but no response. So I am now complaining here. Currently, I have screenshots of the offer I saw, the phone recording when I called the customer service telling me that the offer is tracked. I also found some alliances on this website XXXX XXXX XXXX. They all encountered similar issues. If my issue can not be fixed, I may have to report to the Office of the Commissioner of Financial Regulation and unify other victims to fight against AmEx.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit card or prepaid card

My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get Transunion to cancel a membership that was not requested. My last attempt was last month over he pnone, yet they are still mailing me letters mentioning my " Transunion XXXX XXXX '' XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services is reporting on XX/XX/2020 TWICE on credit bureaus for an amount of XXXX that I have absolutely no knowledge of. Ive tried to get it verified. I would like this investigated & removed as soon as possible.
Product: Student loan

I have a loan, which is subsidized and is currently in the education deferment. It has @ {$69000.00} in unpaid principal and has no unpaid interest. I also have an unsubsidized loan. I am currently paying {$300.00} a month while in deferment, with that amount being split per Navient policies between loans. The account history for my subsidized loan shows that on XX/XX/2021, I was credited {$180.00}. Then also on XX/XX/2021, I was debited {$180.00}. This pattern has been ongoing for years and is also the case with the unsubsidized loan : my account is credited, and then the exact same amount is debited. Despite having made this payment for some time, the balance of unpaid principal according to the account history has not changed on this subsidized loan. I have called and I have written previously, and I receive back boilerplate language explaining how payments are divided between the accounts. Now, the Navient portal will not allow me to send questions to Navient by the portal 's email system, despite whatever browser or computer I use, retuning an error stating I do not have to access the email system. The fact that there is a cycle of debits and credits and never shrinking principal on my subsidized loan is never addressed in any response. I am becoming increasingly frustrated at the lack of explanation. I am making a good faith payment every month despite having an education deferment, and yet, it appears that Navient is pocketing my payment and not crediting my account. I would really like an explanation of this revolving credit/debit cycle and why the principle is not showing a reduction on the subsidized loan despite regular payments.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year>2024 -- {$210.00}
Product: Student loan

Contacted Navient on XX/XX/17 for justification for monthly interest rate increases on variable rate private student loans ( XXXX XXXX XXXX XXXX XXXX ). The customer service representative claimed that the US LIBOR rate has increased for the last 6 months ( XX/XX/XXXX-XX/XX/XXXX 2017 ) and this resulted in increases in the rate. This information is inaccurate. The USD LIBOR rate has not increased every month of this year. Additionally, other instances when the LIBOR rate has changed ( increased or decreased ) the interest rate of the loans has not changed accordingly. These interest rate increases have corresponded with paying additional money towards the principle each month and is suspicious. Further, as soon as these loans were placed in auto debit ( and therefore eligible for a 0.25 % interest rate deduction ) the following month the interest rate was raised to match that 0.25 % decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inquires that two other companies have removed due to investigating these inquires did not belong to me. I was told to create an FTC report by several Equifax representatives which I did and they said I did not do the report right so I am completing another report ... .. I have 6 inquires that did not belong to me which are as followed : On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, XXXX an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, an inqury from XXXX-XXXX.
Product: Credit reporting or other personal consumer reports

I've requested to XXXX 3 times over 1 week to no longer dispute and account and remove remarks from my credit report, including confirmation of my request via email to provide to my mortgage lender, and the specific account remains the same on my lenders side. 
On XX/XX/year> I was notified by my lender that I need to no longer dispute a specific account per the underwriters in order to receive approval for my mortgage. I called XXXX 's customer service phone number and submitted a request to no longer dispute LVNV Funding, LLC, remove remarks, receive confirmation via email to provide to my lender, and updated my address on file with XXXX. I was assured that my request regarding the dispute and remarks would be complete and should update on my lenders side within 72 hours. My request regarding a confirmation via email was explicitly denied with no reason provided. The address update I was told would be confirmed via mail within 30 days. I was provided confirmation number XXXX for this request. 
On XX/XX/year> I was notified by my lender that there had been no change on her end, and again, I need to no longer dispute a specific account per the underwriters in order to receive approval for my mortgage. I called XXXX 's customer service phone number for the second time and submitted a request to no longer dispute LVNV Funding, LLC, remove remarks, receive confirmation via email to provide to my lender, and updated my address on file with XXXX. I was assured that my request regarding the dispute and remarks would be complete and should update on my lenders side within XXXX hour. My request regarding a confirmation via email was explicitly denied with no reason provided. The address update I was told would be confirmed via mail within 30 days. I was provided confirmation number XXXX for this request. 
On XX/XX/year> I was notified by my lender, again, that nothing had changed on her end and I need to no longer dispute a specific account per the underwriters in order to receive approval for my mortgage. I called XXXX 's customer service phone number for the third time and submitted a request to no longer dispute LVNV Funding, LLC, remove remarks, receive confirmation via email to provide to my lender, and updated my address on file with XXXX. I was assured that my request regarding the dispute and remarks would be complete and should update on my lenders side within 72 hours. My request regarding a confirmation via email was explicitly denied with no reason provided. The address update I was told would be confirmed via mail within 30 days. I was provided confirmation number XXXX for this request. 
While I show updates on my account on XXXX 's website, my lender sees no change. 
XXXX 's failure to do their job correctly is likely going to prevent me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing the status, amount, dates of an account listed on my TransUnion credit report for months and TransUnion continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. I sent TransUnion yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ). I also included the screenshot to prove that there is no loan reporting on XX/XX/2009 from the University of XXXX XXXX. TransUnion has completely ignored my letter and proof and still is reporting the account on my report after I've sent in proof. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED THIS FRAUDULENT ACCOUNT WITHOUT MY AUTHORIZATION. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a major concern due to its impact on my credit. It has led to a loan denial and higher interest rates on my current credit accounts. This situation is causing me significant financial and emotional stress, which will persist until resolved.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding this erroneous account, it appears that Experian credit bureau has failed to take appropriate action and continues to report them. I have no idea where you obtained this account. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX # XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Reported on Credit Reports Account # XXXX XXXX I formally wrote to dispute inaccurate information being reported on my credit file by Progressive under my rights afforded by the Fair Credit Reporting Act ( FCRA ). The first letter is to Experian Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered that the above-referenced account is inaccurately reported as an open collection/charge-off with a past-due balance of {$270.00}. This reporting is incorrect and violates FCRA S

ection 15 USC 1681e ( b ), which mandates that credit reports must ensure maximum possible accuracy.

I have taken the necessary step of sending certified dispute letters to all three credit bureaus to address this matter. I am also requesting that you investigate this issue promptly and take corrective action to ensure that the information reported to the credit bureaus is accurate.

As part of this investigation, I request the following : Verification of the account 's current status with supporting documentation. 
Correction or deletion of the inaccurate information from my credit reports. 
A written confirmation that the necessary corrections have been made or an explanation if further information is required. 
This error is negatively affecting my credit profile, and I kindly ask for your expedited assistance in resolving this matter.
Product: Consumer Loan

The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information,
Product: Credit reporting or other personal consumer reports

This is not my account! This is the second time in XXXX months that XXXX allows this inaccurate information in my credit report negatively impacting my credit rating.
Product: Debt collection

Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.
Product: Checking or savings account

I had lost everything in hurricane Irma. I would normally have been in Florida but due to health I was still in XXXX XXXX. I had made the decision to become a full time Florida resident so I closed my accounts up here. Because I was going to be in Florida within a matter of days I decided to open a new account in Florida. I'm retired so the account was going to be just for my social security. After the hurricane I stopped receiving any mail from Florida. My home in Florida is gone. It will be years before I can return. So I reached out to social security. Because I hadn't opened a new checking account social security suggested I open a local account. They need a few weeks to process a new direct deposit and said my direct deposit would be sent to my recently closed account but that bank would send the deposit back to social security and they would then send it to my new account. So I go to the us bank on XXXX XXXX XXXX XXXX XXXX and open a checking account. All goes well but the woman clerk tells me I need to bring in an official us mail so they can verify my address. Never heard of that before and I had been clear in that I have no mail. I used my dad 's address in stetting up the account so she said at some point thet I'd need to bring something in. I told her that social security was sending some forms and I'd bring them in. 
This morning, XX/XX/XXXX, I called to see if my social security check was deposited. I was shocked when they informed me that my account was suspended because apparently I had two days to bring in some mail. I spent the entire on the phone with 8 us bank employees and got the same story. They even said it was mentioned by the woman in my application. 

Now here is where it gets really odd. The first woman I talked too then mentions I had opened another checking account this morning. I was shocked and she couldn't explain anything about the account. Now I opened my account one week ago, I received two letters ( by the way they would not accept their mailing as official ) one was my new pin the other my debit card but I didn't open them till today. So after spending all day on the phone with them. No one could explain this new account. Finally one person said I had must have been hacked and it was my responsibility to resolve this with their fraud dept. 
Did some research and it turns out us bank had been fined XXXX XXXX for taking client data and opening account with out customers concent. I believe they are still doing it. 

In closing I finally gave up. The last person I spoke with I told him I would go to the branch tomorrow and close the account. The response,, because my account was suspended I could not close it until I brought in an official mailing address to me..