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

On XXXX XXXX XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

With a promo code FXXXX ( {$200.00} bonus offer ) attached, I opened XXXX  Money Market account, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/splash/checking/checking-offer-December19.html The terms of the promotion were : Open a XXXX  Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. 

Though I learned that customers who had opened savings account with the same offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. 

I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. 

Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. 

Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!
Product: Prepaid card

I have been on the phone and ca n't get through this horrible phone system and sit and wait for the fraud area to pick up for over an hour and then it just disconnects. I am out {$100.00} that I need to feed my kids with and I ca n't get any response. I have had it! I ca n't get anyone to provide the police report details to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior the many phone calls, I sent letters to each creditor and credit bureau asking for proof of validity of signed by me XXXX XXXX XXXX credit applications ( inquiries ) The Results Of Our Reinvestigation ( XXXX ). 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
Inquiry Date : XX/XX/XXXX CR ( Continued On Next Page ) XXXX Page 3 of 6 XXXX XXXX  XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX We have reviewed the consumer statement. The Following Consumer Statement Has Been Added/Updated To Your Credit File As You Had Requested. THE FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONES CREDIT REPORT IS A ) FIRM OFFER OF CREDIT B ) INSURANCE C ) A COURT ORDER/ D ) EMPLOYMENT/ I RECENTLY PULLED A C OPY OF MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE AND DO NOT FIT A, B, C, OR D ABOVE ( XXXX ) XXXX Source : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  This account was opened in XXXX. This account has since then been paid and closed. I reached out to XXXX XXXX  and asked for them to remove this item from my credit report. XXXX XXXX  agreed to do so, The lady I spoke with informed me that I just needed to call each credit bureur and repot the same statement to ( XXXX, XXXX, TRANSUNION ) I did just that and each agency then told me that I need something stating that XXXX XXXX  would remove the item. I Informed all three agencies again that XXXX XXXX  stated that there was nothing else to do but let all three agencies know to remove the account listed above due to the age of the account and it being in good standing. I have since then sent in 3 rounds of dispute letters asking for ( XXXX, XXXX, TRANSUNION ) to contact XXXX XXXX  and get the approval for removal the account above directly. I also asked for them to send me proof of application for credit inquiries listed above there are inquiries reporting to ( XXXX, XXXX, TRANSUNION ) that are incorrect and there is no signature from me showing that I gave the businesses above permissible permission to pull my credit report. 

As I know that I a direct violation of the FTC/FCRA These same items have been reported to my Transition report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid XXXX current and it continues to show as late and does not reflect payments made. Please update this to reflect accurate status.
Product: Mortgage

Received letter on XX/XX/year> that we had unclaimed funds in the amount of {$3500.00}. We went through the process of submitting our information to Dovenmuele Mortgage company to return the funds to us. After months of requests by us, submitted to Dovenmuele Mortgage , Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX, fax XXXX, calling Customer Service at XXXX, a supervisor suggested to call the State of PA to see if the State has the check. XXXX XXXX XXXX  at the State emailed me that they have checked for the funds and they do not have anything from Dovenmuele to us. Please help, Thanks.
Product: Debt collection

My younger sister used my name to get her and her boyfriend phones at XXXX. I have XXXX.
Product: Student loan

I attended XXXX University from XXXX as an XXXX. I was under the impression that my student loans were federally owned. After I graduated, it came to my attention that a portion of the loan was owned by National Collegiate Trust. I had not made any payments between XXXX and XXXX, and the loan was in danger of default. I began making regular payments and have done so, in full and every month since late XXXX-early XXXX. Unfortunately, not only has the loan balance not decreased, it has increased. According to my most recent statement, the original principal loan amounts were for {$4200.00} and {$120000.00}. I have paid {$2100.00} and {$10000.00} in interest, respectively. Yes, it seems that the interest amount is nearly the same amount of the loan. Only {$1700.00} and {$3900.00} have been applied to the loan principal. As of XXXX/XXXX/XXXX, I still owe a balance of {$4300.00} and {$15000.00}. In sum, the original loan was for {$16000.00}. I have paid an aggregate amount of {$18000.00}. I still owe {$19000.00}. After 8 years of consistent payments, how is it possible that I still owe more than the original loan balance? What kind of interest rate gauging and manipulation is in practice in order for this to happen? How is it possible to be charged nearly 100 % interest for a loan?
Product: Debt collection

On XXXX/XXXX/16 I spoke with this debt collector in regard to a debt they have in my name from XXXX XXXX. They gathered my phone number, address, name, and reference number at the beginning of the call. I spoke with them about my desire to dispute the debt and its validity at which time they advised that I mail them a letter in writing in regard to my desire to dispute my debt. I mailed the letter and a check for the original bill, before the addition of late fees ( {$18.00} ) that day. I heard nothing back from the debt collector and I mailed another letter asking what the status was of my account on XXXX/XXXX/16. On XXXX/XXXX/16 i received a letter in the mail from the original debtor, XXXX stating that since I had not paid the bill in question they would be assessing late fees to my account. I called XXXX and was told that they had no record of a payment for {$18.00} on my account. I was able to resolve the debt with XXXX and they advised that I request to have my check for {$18.00} returned to me. I called the debt collector and spoke with XXXX to ask that they return my check, at which point he claimed that the check was mailed to me on XXXX/XXXX/16. To date I have not received my check in the mail. I asked to speak with a supervisor at which point I was told that his supervisor was on another call. He stated that he looked into this issue further and found that the check was mailed to " the address they had on file '' which is an old address, hence why I did not receive my address in the mail. I told him that it was impossible for them to not have my current address as they ask for it at the beginning of each phone call, the letter I mailed had my address as the return address, and my checks have my address clearly printed on the top corner. He stated I should call my bank to have a stop payment placed on this check ( this would cost me an additional {$35.00} through my bank ). I am disappointed that this company was so lazy in their attempt to mail back my check. Instead of using the information I gave them multiple times to mail the check back to me they mailed it to a complete stranger who now has access to my banks account number, routing number, and a signed check. I am completely open to countless scenarios of fraud involving my personal finances due to the laziness of a debt collector. I do not have disposable income to throw around money to place stop payments on checks that were haphazardly handled by a law firm specializing in debt collection. This definitely qualifies as improper contact, as they mailed a complete stranger my personal check as well as mail from themselves, the debt collectors. They knew this was an incorrect/old address for me based on how many times they were given updated information. 

I am still in the process of confirming whether or not this check was illegally cashed.
Product: Credit reporting

I have written and contacted Equifax so many times, and their most recent XXXX involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

What a joke " Cash App '' is! I have recently since deleted this app and vow never to use it again. First I purchased trees from a fraudulent landscaper that did not have a license to do business in New Jersey. I called them and got a fraud number from a company that pretends to be cash app and they tried to rip me off and I reported it to the AG office. I got in touch with the " real cash app '' and they were useless and the app was useless. they could not see any information about XXXX XXXX I gave money to when I asked for a list of all transactions for 2024 they said they could not give it to me. I demanded to speak with the supervisor ( XXXX ) and she had no power either. then she magically said she sent me the list I requested since I didn't use the cash app that much. It was not accurate and not complete what a joke. I felt hopeless and despair. Issues with Cash App : 1. They don't vet people, 2. They don't keep records and the small amount they do is inaccurate, 3. They can do anything when something fraudulent happens and I was told it was like giving someone cash. 4. No way to track where funding is coming from or going to. XXXX. No contact with the people sending money. No details what so ever. Please see all my documentation and it doesn't have my {$2200.00} which should show {$2200.00} and then {$50.00} tip for the guy who brought rotten trees. I am filing this complaint against them in hopes CFPB can crack down on them. Take them out of business. I have emails and more if yo like it. The detailed cash app show how I got ripped off bitcoin and I don't know how they got that money from my account from cash app.
Product: Credit reporting

Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 XXXX XXXX account number XXXX listed a 60 day late that was previously disputed and deleted. Trans Union placed the notation back on the report on XXXX XXXX 2017. 


I had disputed this with Trans Union and they reinserted it. This constitutes fraud on their part for not maintaining reasonable procedures in cases of disputed accuracy and violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score went down XXXX points. When I checked my credit report, my on-time payment history had decreased from XXXX XXXX XXXX XXXX XXXX and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of trying to purchase a home. When I received my credit report there are several accounts which are not mine. I've gotten help to get these things removed, in addition to paying for services that have not removed the listed accounts. 

I'll provide details in my attachments.
Product: Mortgage

On my closing, XX/XX/2020, I was supposed to receive XXXX, per my attached closing Disclosure. 
I have contacted the mortgage company, with no response or call back for years. 
I have also contacted the Title company who stated that no money was sent to them to be disbursed at the closing.

I have contacted XXXX as well as reached out to XXXX.

To this day I have not received a response or conclusion to this matter.

Security National Mortgage Company has cause me a lot of anxiety and grief. They have put me in the credit bureau with an open account for a mortgage, that was sold to XXXX XXXX XXXX, that is showing late payments for over a year, how can I owe two mortgage companies for the same house? I have reached out to have this account deleted from my credit report with no success. No return phone calls from messages left to resolve this issue.
Product: Debt collection

A company called Empire Resolutions at XXXX keeps calling my home phone. They have called my home more than 4 times looking for a XXXX XXXX ( my ex-husbands first wife ). I have no communication with her and I have asked this company to take my phone number off their call list several times. The have an automated system that keeps calling my home. I actually spoke with someone twice and asked them to stop but they still continue to call. I know my rights under FDCPA and they are not allowed to robo-call nor are they allowed to call family members, friends or third parties more than once. THEY HAVE CALLED ME MORE THAN 4 TIMES IN A 4 DAY PERIOD. Please do something about this!!!
Product: Credit reporting or other personal consumer reports

Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX TransUnion XXXX Last Updated XXXX XXXX XXXX XXXX Payment Status Not more than two payments past due Account delinquent 60 days past due date Worst Delinquency 30 days past due 60 days delinquent Balance {$19000.00} {$19000.00} Credit Limit 2-YEAR PAYMENT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting or other personal consumer reports

Someone keeps calling me. They say they're from synchrony bank and it. There's gon na be alarm for my rests. You know, so tell me I should have my subpoena. But it's not a correct XXXX XXXX XXXX team. I try to ask him their name address. And he hung up on me. He's very aggressive. I don't know what else to do. 
His number is. ( ( XXXX ) ) fake number
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account, please provide physical verification for late payments. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX