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

I sent a dispute by certfied mail to Experian, and XXXX XXXX. The dispute of illegal late payments reporting to Experian. The certified letter sent on XX/XX/2023 to Experian and XXXX XXXX. XXXX responded back with a credit report stating that it was the result of the investigation, report was dated XX/XX/2023. 

Experian received its letter of dispute on XX/XX/2023 which was five days after being sent by certified mail on XX/XX/2023. In my request for a re investigation of the late payments, also inaccurate information being reported. They sent a Experian report, advising that the results had been completed. 

Experian,. never did thier due diligence in ensurig that the investigation had been conducted. Therefore, XXXX XXXX had not even did a investigation into my complaint whjich is a violation of ny federal rights under the FCRA 15 USC 1681i. ( a ) ( 1 ). In accordance with federal law my rights has been violated under FCRA 15 USC 1681i ( a ) Reinvestigations of Disputed Information. 
( 1 ) Reinvestigation Required : ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumerand the consumer notifies notifies the agency directly. 

I never received any results from XXXX XXXX of my dispute. Also, I never received any results within the ( 30 ) days mandated by federal law. The dispute was sent on XX/XX/2023. XXXX XXXX stated that they had not got my dispute of XX/XX/2023. I then conducted research of tracking by XXXX. I found out that XXXX XXXX received my certified letter on XX/XX/XXXX, @ XXXX. 

As, of the date of receiving my letter of dispute. I have not received any response of the ( XXXX ) days mandate by federal law. Therefore, my rights again have beeen violated under FCRA 15USC1681n- Civil Liability for willful noncompliance : Any person who obtains a consumer report from aconsumer reporting agency undr false pretenses or knowingly without a permissible purpose shall shall be liabile to the consumer reporting agency for actual damages sustained by the consumer agency or {$1000.00} whichever is greater.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX Case ID : XXXX The review of your dispute has been completed Hi, XXXX. Since you've accepted responsibility for the {$100.00} transaction with XXXX XXXX XXXX the credit we issued to your account, along with any related fees and interest charges, if applicable, will be reversed. Please note, it'll be reversed in the next XXXX business days - you'll see it listed with your account activity on your next statement or by logging into Citi XXXX or the Citi XXXX XXXX. 
As a result of this decision, {$3.00} is now due by XX/XX/XXXX. This amount due is separate from, and in addition to, the Minimum Payment Due from your most recent statement. If you already included this amount in your payment disregard this request. 
Please note, per federal regulations we may report your account as past due to the consumer reporting agencies listed below if we don't receive payment when due. 
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  We included the below transaction details for the dispute ( s ) on account ending in XXXX for your reference. 
Date XX/XX/XXXX Amount {$100.00} XXXX XXXX XXXX XXXX XXXX  Your Citi Team XXXX Citibank , N.A . Citi, Citibank, Citi with Arc Design and Citi XXXX are registered service marks of Citigroup Inc . 
Citibank , N.A . is the issuer of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX licensed to Citigroup Inc
Product: Debt collection

Unverified and Unauthorized on my credit report, I've been disputing with this account for 2 months however they refuse to remove it and now I'm coming to you guys to resolve this problem. It should be a fair resolution to this issue, thank you!
Product: Debt collection

RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT
Product: Money transfer, virtual currency, or money service

{$350.00} incoming payment to cash app. Cash app denied my payment on purpose and there is no customer service to talk to about this. They then put the money on hold for 4 days.
Product: Credit card

I called Chase today and Asked for all copies of statements and charges to be mailed to me. 
I was denied this information and was told that it is personal information. 
I reported to Chase a year ago that I did not open this card and the information used to open the card is not mine. 
I feel like they are being untruthful to me and are not giving me correct information to hinder the resolution.
Product: Checking or savings account

I am submitting this complaint due to BMO Harriss unfair practices and mishandling of my claim. They have been extremely uncooperative and their actions have continuously impacted me, and their customers, even after XXXX attempts to communicate and resolve this matter with BMO Harris Bank. I originally submitted a merchant dispute around XX/XX/22 ( Case ID # XXXX ) for about {$40.00} and provided some specific details on what happened. I placed an order with XXXX online and the place delivered the incorrect order. I called the restaurant where the food came from and spoke to the General Manager, XXXX XXXX who acknowledged their mistake and offered to refund my money, however because the charge went thru XXXX, XXXX explained I needed to communicate what happened to DoorDash so they could issue the credit. XXXX sent me an email message confirming/acknowledging I was owed a refund. I attempted to call and resolve the matter with XXXX explaining what happened, but they refused to assist me or communicate with the General Manager XXXX even after being provided with all necessary info and approval. 

When I communicated to BMO Harris what happened, I also provide them with the phone number to the General Manager of XXXX  along with an email and attached the email from XXXX, the General Manager at XXXX. The email again confirmed their mistake and that I was owed a refund. Since filing my claim with BMO Harris, I continue to have issues with gaining assistance in completing out this claim. I keep getting the run around and no one seems to know how to do their job or have the correct info. Each rep contradicts the other making it extremely difficult to trust or understand certain things which results in me trying to request to speak to a supervisor. BMO Harris has failed to completely due their due diligence in handling this matter and are violating the Truth and Lending Act by classifying and handling and my claim as a in good faith claim. The services rendered by the merchant were NOT delivered as agreed, which they acknowledged. BMO Harris has failed to explain to me why they have classified and handling my claim in such manners. I have attempted to escalate this matter multiple times with all failed attempts. I requested to speak to a manager more than 2.4 weeks ago, which I was told I would receive a call back within 24-48, and a manager just attempted to return my call the other day. This is unacceptable behavior and mishandling of my claim when BMO Harris has been provided with more than enough evidence and information to refund my money. I need your help in obtaining a refund and holding BMO Harris accountable for their unfairness and mishandling of claims.
Product: Debt collection

I disputed this with you in XXXX 2015 Case number : XXXX. This debt is not mine but continues to remain on my credit reports. The company 's only response to my dispute through you was TEST. I have heard nothing and received nothing since.
Product: Checking or savings account

Every time I try to transfer money to my other bank account which is linked to my Bank Of The West account I receive a error that I can't identified. This has been happening since I filled the first claim against them. Today I tried sending my daughter {$50.00} because she is out of state and is in need of the money today. I have been on hold for 3 hours waiting to have this issue resolved.
Product: Checking or savings account

I am a XXXX XXXX. The only business transactions I have are receiving my salary and sometimes buying home office supplies. I do not sell any products or anything of that nature. I just work on a XXXX basis. I have been using my N26 account for months as my primary checking account. I applied for a SBA eidl loan and put the N26 account down as the disbursement account because it is what I normally use for day to day transactions. However, I read my terms and conditions and saw the account can not be used for business purposes. To me, I don't use it for that, I use it to collect my salary and pay for our household needs. But I asked the SBA to change the account. They dispersed the loan before making the change. N26 returned it as fraudulent without even contacting me. I worked with the SBA to have it resent to my brick and mortar bank account. On XX/XX/20, N26 sent me a letter saying I was in violation of their terms and they would be reviewing my account to ensure I wasn't using it for business. I thought this was fine, because I haven't used it for those purposes, and I had explained to customer service that I tried to have the loan sent elsewhere. On XX/XX/20, I went to use my card, and it said it was disabled. I received no email. I talked to customer service. They could provide no information other than saying it was under review and I can not access my money during that time. All I wanted to know was how my money would be returned to me. They could provide me with no contact information and basically said we can hold your money as long as we want and you can't even speak to us about it. They ended my ability to chat with them. I have no way to contact them and they have over {$1600.00} dollars in the account. At this point, I don't trust them because what bank doesn't allow you to communicate with them while they are holding your money. I just want to know how to access the rest of the funds they are holding. I already changed my direct deposit.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove 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 that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; US DEPARTMENT OF EDU XXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and learned that my personal information was used to open account # XXXX at XXXX XXXX, XXXX. I am an identity theft victim and filed a report with identitytheft.gov, filed a police report, sent a letter to XXXXXXXX XXXX Fraud Department, as well as all 3 credit bureaus. I included the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA ( Refer to duties when ID Theft Occurs ) and according to the law 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] the CRA shall block the reporting of any information that resulted from an alleged identity theft and there should not be any damages on my credit reports according to 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts with the same account holder and they were sold in XXXX of 2022 to XXXX in which I set up payments with them in XXXX of 2022 as ACH direct drafts in I have never been late. The account has not report correctly to the repositories from the initial term of the agreement. The balance has never been updated nor are the payments being reported. I spoke with XXXX concerning the issue and was informed that they do report my payments to XXXX XXXX every 30 days and XXXX XXXX is to update my credit report. This has not occurred. They last update XXXX XXXX submitted to the credit agencies was 10 months ago. 
I have one payment remaining on each account that is not due until next month.
Product: Mortgage

All the Complaints that was CLOSE stated due to DUPLICATE!!! This are not duplicate Complaints they refuse to Answer the complaint. So when they said Duplicate then Complaint was Close and could not be reopen. If they were duplicate they should have CUT and PASTE to show the duplication. They should have not been allow to just not answer and close the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

This company was supposed to do a background check for a potential employer. They have my social security number entered incorrectly by XXXX digit. I have reached out to this company about 7 times in the last week to try to get them to fix my report and they keep telling me they are unable to even after I sent them a picture of my social security card.
Product: Credit reporting or other personal consumer reports

When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.
Product: Checking or savings account

Wells Fargo on XXXX, XX/XX/year> refunded my provisional credit for the amount of XXXX dollars. Which I work hard for my money I work washing Cars in high school and the transaction I reported was a fraud. Which I didnt have the card at all. But apparently they said they couldnt do the claim again since visa only gives the face for you XXXX  and not XXXX. This put my account at XXXX dollars.
Product: Money transfer, virtual currency, or money service

Someone gained access to my cashapp and then proceeded to unlink my phone number and email and change my password
Product: Credit reporting, credit repair services, or other personal consumer reports

Security freeze was placed on my account last year. I want to lift the freeze now. Have contacted the company, and it did nothing. Submitted requested forms in writing a month ago, promised resolution in 10 days, and nothing happened. All I want is for these people to lift the security freeze I placed on my account last year. They are not responsive.
Product: Credit card or prepaid card

I applied and was approved for a prepaid XXXX card by Crypto.com. It was issued on XX/XX/2021. The company will supposedly update the card status from issued to shipped once they mail out the card. So far it has been 62 days, and there has not been any communication or indication that my card has shipped. The company does offer the card in a virtual form ; however, I can not use my card for purchases that do not have an alternative to physical card transactions.
Product: Credit reporting or other personal consumer reports

Ally reports late payments on my credit report without consent or proper notification to deem payments " late. '' They have lied to me stating they would be removed via phone then send correspondence stating they are " accurate '' without sending documentation related to investigation or documentation showed that notification was sent 21 days prior to due date as required by Truth In Lending Act.
Product: Debt collection

I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to XXXX XXXX XXXX I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( Afni , INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of Afni Inc . This debt was also previously deleted off my credit report and should not have been added back on again. 
I quickly wanted to note something about the debt itself. It appears to be XXXX bill but this doesnt make sense because the debt is about {$4100.00}. This is a fishy amount of debt for something like a cellphone store because phone bills never run up that high before they cut your service. I believe that by the share amount of the debt alone, this helps to raise reasonable doubt that a cellphone bill or device can be that high and expensive under my name. Ive also tried calling XXXX customer relations to try to dispute the validity of the debt but XXXX brought XXXX and this is making it hard for me to get someone on the phone. Please do not put this wrongful debt that isnt mine on my credit report. Below are more information to help verify my identity because I did NOT open this debt under my name. I will email this letter to XXXX and mail a copy to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also as an added pre-cautionary measure to having submitted my dispute before the ( XXXX ) day time fame elapse.
Product: Debt collection

XXXX offered cable/internet services for my home. We were told that we had 90 days to cancel the account if we were unsatisfied with the service. We had many issues regarding the service to our home. While it was getting close to the 90 days for cancellation, we were promised that the issues would be resolved. We spoke with many representatives and when we complained repeatedly that the issues were not getting resolved, we were told that the 90 days would not be in effect since we were still unsatisfied. After about 100 days, we finally cancelled the service because the customer service was so poor. 

After cancelling service and returning the equipment to XXXX, we received a bill from XXXX for the service. I called XXXX to complain but was told that it was after the 90 days. Now, years later, this is still affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 months ago I received my credit report and it had inaccurate data concerning my Bank of America credit card account. In XX/XX/XXXX, the report stated I was late three months in a row. They were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I had set up automatic payment through my checking account a year prior. At the time, I contacted a representative from Bank of America and was told it was an error on their part for halting my automatic payments. After the initial month of a late payment I had to resubmit my checking account. However in XX/XX/XXXX it happened again. As well as in XX/XX/XXXX. Finally, I started to pay manually to make sure the payment was taken. I was told by the customer service representative that no adverse action would be shown on my credit report About three months ago I mailed a certified letter to Bank of America expressing my concern about the negative and inaccurate reporting to the credit bureaus showing missed payments. I received a letter from Bank of America stating that they did report my missed payments accurately and had no information regarding the representative stating that the inaccuracies would not affect my credit report. I would like this resolved as soon as possible.