23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$860.00} ; XXXX XXXX XXXX balance {$170.00} ; XXXX XXXX balance {$400.00} ; XXXX PROGRESS XXXX balance {$55.00} ; XXXX XXXX balance {$0.00} ; XXXX XXXX XXXX balance {$500.00} ; XXXX XXXX XXXX balance {$880.00}
Product: Money transfer, virtual currency, or money service

I received a text message from a email XXXX and it said this Hello, sorry to bother you via text message! Our company is hiring 50 XXXX employees. If you have free time to work remotely part-time, we need you to join our team! Help restaurants improve their rankings. Pay by the day, XXXX XXXX dollars per day! You can score from home and easily earn over {$20000.00} per month. Interested parties please contact XXXX : XXXX ( Requirement : 24 years or above ) I texted this XXXX number and some person female 40 years she said and that she lives in Washington told me that she would help me on this job and how to do my training on the platform the website is XXXX XXXX XXXX After I was done with my training on the website she asked for money to be deposited my first amount was {$40.00} dollars and I made {$30.00} dollars she said in order to make more if I could deposit {$1500.00} and I would make {$500.00} dollars for commission on restaurant rankings my bank sent me a text message it was a fraud and I call them telling them what was going on and the person I spoke to said it was okay to transfer money. and to use my account information. After I login on the website for the job on the platform website XXXX XXXX XXXX and was clicking a red button for the restaurant ranking. It completely put me at a negative number of what I added the first time I told my supposition trainer and she asked to deposit more in order to get my money back and my second transfer was of {$1900.00} and it wiped all of my money. My trainer promised me that wouldnt happen and that she had money but she lied and she keeps texting me asking if I have money. I dont reply anymore because she scammed me and lied to me! The person in the bank was a man he gave me wrong information and now theyre blaming me. I used XXXX to transfer money onto the website XXXX XXXX XXXX  were I was doing my supposedly training and the other app was crypto.com and XXXX of the app was made under my name for the bank called XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX, XXXX XXXX NY XXXX and the phone # is XXXX nobody answers the last two dates since XX/XX/year> and I tried like 3 more times last week I dont know what else to do! And they made a fake address up thats not my address with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 disputes to Equifax to their mailing address of XXXX XXXX XXXX XXXX, GA XXXX on the dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The accounts that were disputed were XXXX XXXX for {$130.00}, XXXX XXXX XXXX XXXX for {$9700.00}, XXXX XXXX XXXX XXXX for {$10000.00}, XXXX XXXX XXXX for {$210.00}, XXXX XXXX XXXX for {$120.00}, no named account on the report for {$280.00}, no named account on the report for {$50.00}, no named account on the report for {$200.00}, No named account on the report for {$260.00} and a no named account on the report for {$62.00}. I have not received one response to any of these disputes and Equifax is refusing to delete the disputed accounts despite their violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry on my credit report I did not authorize.
Product: Credit card

They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 XXXX on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment XXXX XXXX XXXX is past due which is not true.
Product: Bank account or service

I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Bank of America ) and the XXXX XXXX County Sheriffs office. Bank of America originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Bank of America has reversed the credit given to me for the fraudulent charges.
Product: Debt collection

I offered a settlement payment that was refused and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian a third party consumer agency continues to infringe upon my right to privacy. I have demanded every old address as well as any addresses not linked to me be removed from my consumer report. Experian has once again denied this demand and sent yet another generic message to my email stating they can not fulfill this request. They continue to deny me my right as a living breathing person. They have assumed a role and have a duty to make sure that each consumers report is accurate. I have stated several times that the information is indeed inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why i have a late pay on my report because i always have paid my bill on time very diligently but i have one isolated late pay that i can't seem to get taken off and i know the date they are telling me but i have a payment that was taken out before the 30 days were up at the same time that i paid the other payments so there is no way that it should be reporting as late this one time. I've tried disputing it with the credit bureaus but not had success in removing it. Please help me to resolve this matter. i am a good client of theres.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion and XXXX  by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..
Product: Checking or savings account

Citibank failed to credit the account the bonus for the Enhanced Direct Deposit Offer. In opening and funding the account starting in XX/XX/XXXX, I relied on their mailing and email offers and complied with those terms which should have resulted in a {$200.00} account credit some time ago. 

For example, the Citibank of email of XX/XX/XXXX with the Subject line XXXX, Congratulations on enrolling in the Enhanced Direct Deposit Offer stated in relevant part : to earn your {$200.00} cash bonus, make sure to complete at least two ( XXXX ) Enhanced Direct Deposits totaling {$1000.00} or more within the first 90 days of opening your eligible account. XXXX deposits that together satisfied these terms were made on XX/XX/XXXX and XX/XX/XXXX. The email stated that the cash bonus will be credited to your eligible checking account within 30 days from the date you complete all Required Activities. 

In my first attempt to resolve this matter with Citibank, I initiated an online chat on XXXX XXXX, XXXX. The chat session lasted over half an hour before the chat was unceremoniously ended by Citibank without warning and without Citibank addressing the issue. 

I then sent Citibank a letter also on XXXX XXXX, XXXX via certified mail and which was delivered on XX/XX/XXXX to once again bring this problem to its attention. Citibank replied seeking more details on the offer, which I promptly sent. 

In a letter dated XX/XX/XXXX, Citibank falsely claimed that " " Checking Accounts '' must be opened in a physical branch or over the phone with a physical branch employee '. No such requirement was in the previous offer by Citibank. This is clearly fraud. 

In this time frame, I removed all funds from the account and on today 's date it reflects a negative balance for reasons not apparent to me.
Product: Credit reporting or other personal consumer reports

To whom may concern : On XX/XX/year> i submitted an application for a forbearance plan to XXXX Bank, the reason that i have to summit an application for forbearance plan was because on XX/XX/year> i have to pay XXXXXXXX XXXX the amount of {$6900.00} because my Escrow balance was short and in order for my payment do not go higher i has a friend to borrow me that money, since that i been trying to get in track with all the bills because i had to pay my friend that amount of money, that's why i decide to contact XXXXXXXX XXXX on XX/XX/year> and summit an application for a forbearance plan.At the moment that i summit the application i contact XXXXXXXX XXXX i they told me that i was protected for the forbearance plan and was not going to hurt my credit score.Now i just find out that they are reporting 1 miss payment and my credit score has drop more than XXXX points.Also now i'm back in track and i have made all my payments on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX and XX/XX/year> i paid the month of XXXX. I call then again on XX/XX/year> and i have requested to remove the forbearance plan and i call today XX/XX/year> again and the haven't removed yet.
Product: Mortgage

My mortgage loan with Ditech was paid off on XX/XX/2016. At that time, Ditech was notified by the lender that I refinanced with that we had paid our annual property taxes and the loan was paid in full per the loan balance payoff statement provided by Ditech. I had paid the property taxes in full XX/XX/XXXX. I receive a short pay notice from Ditech for {$2600.00} dated XX/XX/2016. The short pay resulted because Ditech had also paid the property taxes. The letter from Ditech indicated that I would need to pay them an unreasonable interest rate of XXXX per day on {$2600.00} shortage. I IMMEDIATELY paid the {$2600.00} via wire transfer by my Title Insurance Company, to keep them from charging me such a corrupt, and criminal interest rate. Since my loan balance was paid, and the {$2600.00} was paid immediately, and Ditech received a refund on the property tax that they overpaid, they have owed me {$6000.00} since XX/XX/2016. Each time I call, the length of time it will take to receive my money gets longer and longer and longer. My local Sheriff 's office confirmed that they returned the overpayment to Ditech on XX/XX/2016. It is now nearly three months later and I have not received the {$6000.00} that Ditech owes me. The loan is closed, and paid in full. Ditech is holding my money, after paying a property tax bill that they were told not to pay. From the beginning, they have managed my escrow account in a very suspicious manner. Over collecting in the beginning, then sending a huge refund ( Approximately that same amount that I complained had been over collected ... nearly {$5000.00} ) after holding the overage for more than 6 months, then showing a shortage and increasing the monthly payment substantially. The individual is demanded to pay interest of nearly {$48.00} dollars a day on a {$2600.00} amount that resulted from their error, while the lender can keep {$6000.00} of my money for three months and do nothing to assist me with a more prompt and reasonable return of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my Experian report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my Experian report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This marks my third complaint, asserting my status as a victim of identity theft and disputing an inquiry in my file resulting from this criminal activity. The inquiries subject to dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have either made or authorized. Kindly expunge the record of this inquiry from my credit file, as it stems from an alleged identity theft. I also include in this complaint my newly filed FTC report XXXX XXXX  The nature of this inquiry is unfamiliar to me, and I hold reservations about its accuracy, especially considering that the information on this inquiry has been DELETED from other bureaus. Additionally, the reported payment history on this inquiry remains a mystery. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt. Please see the inquiry details for removal below : -- -- -- -- -- -EQUIFAX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX misdiagnosed my condition, I was there on a Sunday afternoon about a XXXX, I was given an XXXX and sent home. Monday night I was admitted into XXXX Hospital and was operated on Wednesday morning. I almost lost XXXX because of them. Also I never received notice from Aargon Agency that they were collecting this debt. They have violated the FDCPA as well as the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccurate negative accounts on my credit report. Despite my repeated attempts to resolve this issue, these erroneous entries persist, reflecting poorly on your organization 's credibility and violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

PHOENIX FINANCIAL SERVIC Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name XXXX XXXX XXXX XXXX Phoenix Financial Services continously report to all 3 credit reports as if I have an account with them. They are the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me.
Product: Credit card

My Interest Rate is 21.15 % which is 3.25 % + 18 %. This is a ridiculous rate! Wells Fargo was unable to tell me how this interest was determined. They could not tell me if my Credit score was an issue, financial position, etc. I believe that this is illegal and a company should always be a in a position to explain how it determines its fees.
Product: Debt collection

In review of my XXXX credit report, in XX/XX/XXXX, I noticed that there was a reporting by Capital One Bank USA. They reported the account as a " Charged-off '' on all three credit reporting agencies. 

I sent Capital One a letter dated XX/XX/XXXX requesting validation of the {$830.00} they that are reporting.I asked them to provide me with any information on the alleged debt, like first date of delinquency, a contract with my signature and any statements that could validate that I owed this debt. 

Capital One responded on XX/XX/XXXX, asking me to provide them with information regarding this dispute. If they truly read my letter, I provided them with all the information that I had accessible to me. I responded back to Capital One with the information they requested that I complete in XX/XX/XXXX. 

In return, I received XXXX ( XXXX ) separate letters from Capital One all dated XX/XX/XXXX. 
XXXXThe first letter stated that the application was taken over the phone or the internet, and that they didn't have a paper copy of the application to send to me. 
XXXX.The second letter, they validated that they received the application via the internet on XX/XX/XXXX. They also stated that they were not able to provide me with any statements to reflect charges that were made. 
XXXX. The third letter only stated tha they would update the account with all three credit bureaus. 

Not XXXX of their letters were able to authenticate/identify that it was me, XXXX XXXX XXXX who open this line of credit/credit card that is now being reported on my credit reports
Product: Debt collection

XX/XX/24 An amount of {$1500.00} collection. My report includes accounts with a reported name that is different than mine. I dont recognize the accounts in question. The report shows I owed money to an account that is not mine. The current status of my account is not correct.
Product: Debt collection

I received a letter in the mail from a company stating an account in my name has been transferred to Resurgent Capital Services and if I needed any additional information to reach out to them. I researched the company for their address and sent them a debt validation letter on XXXX XXXX requesting detailed information about the collection in question. On XX/XX/XXXX, I received a credit report notification stating that a collection account has been added to my credit report and it happened to be the account in question. I still have no received any information about this debt since I sent the letter.
Product: Debt collection

Complete Payment Recovery Services , Inc. is attempting to collect a debt on behalf of XXXX. We are a business and do use XXXX 's services but I've confirmed with XXXX there is no debt due and they do not use this third party to collect debts. In fact, if you drop or do not renew services then it just drops, no debt is owed. 
Complete Payment Recovery Services , Inc . 
XXXX XXXX XXXX, XXXX, AL. XXXX. XXXX. First, contacted me on I believe XX/XX/XXXX-20 by telephone, stating it was attempt to collect payment amount {$90.00}. I also received a letter a couple days later, and then a third call XX/XX/XXXX-20.
Product: Payday loan, title loan, or personal loan

I wanted to pay off loan and Cashnet agreed. Instead of keeping the payoff agreement they refinanced the loan I was trying to payoff which caused higher payment more interest and they wouldnt resolve the matter by accepting the last payoff payment and continued to withtraw funds from my account without my approval. I had no choice but to close account and cancel debit card to kep them from going into my account and they continued to charge interest and wouldnt accept a payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment was late because it got lost with the U.S Postal service, thus they reported us late on XX/XX/XXXX, after we paid over the phone and brought our balance up to date they also agreed to do the goodwill change since it wasn't our fault. After 1 week or 2 the changes were made as agreed. Now today XX/XX/XXXX that XX/XX/XXXX month went back to reporting negatively severely impacting my score and defaming my credit worthiness. I also did not get a call back from the lender as they agreed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, Ink ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). 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 was unfair and deceptive, as they did not comply with error resolution and 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.