23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I talked with Revenue Recovery to learn how I suddenly owe {$650.00} and to whom. I was told it was for an ER visit to XXXX in 2011. They said I worked at XXXX and had XXXX health insurance. I explained I have never been to XXXX ( I reside in XXXX ). I did not visit an ER in 2011 and I have never had XXXX health insurance. I asked why six years later they determine I owe this amount to this facility? I was not offered an explanation. The woman said she would put this matter in dispute. The next I learn, the debt is turned over to the credit bureau as a legitimate debt owed by me. It is not mine. I ask that it be removed from all credit bureau reports and that it be written off, or the facility find the actual person who owes this alleged debt as it is not me. I believe they are past the statute of limitations to collect on medical debt in Kentucky anyway, and this attempt to collect a {$650.00} debt owed to a facility which I never visited is against the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date listed below, I submitted the following statement in the form of a letter listed below and Experian failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Experian Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a small loan with Affirm in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. Affirm reported the total balance and the first XXXX payments to XXXX. After 11 months of payments, Affirm did not reported again. In XX/XX/XXXX Affirm stop reporting any information to XXXX and XXXX removed the loan from my credit history. This lowered my XXXX XXXX by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my XXXX XXXX when there is ample evidence that I have met my contractual obligations to Affirm, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.
Product: Checking or savings account

I am disappointed that because of a negative $ XXXX on my SunTrust Checking and savings account were closed. 
I understand that account in the minus longer then 60 days have the account closed. I love SunTrust and wish to remain a customer by having my federal tax refund direct deposited into the reopened account which can repay your company for the loss. Your bank is the best I have ever had. I wish to resolve this. 

Unfortunately I have called and called your support lines and been given multiple answers. I wish to know which one is correct. 


Can I re-open my previous account Please? I wish to repay the {$13.00} debt. 
I will have my Federal tax return direct deposited into my account. 
If so ill need a new debit card sent to me as I have lost the other. 

If the same account can not be reopened can I create another checking account and resolve the debt still? 

I didn't receive any notice when my account was closed. No email when it was in the negative. 
I have tried responding to the secured emails that I have but I do not get a response. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

this was not sent in error i am a consumer by law my information was used against my consent after i brought it into the company attention they still did nothing which by law they have to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address faud 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropiate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove unauthorized inquiries from my report ... ..all 32 items
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed some things was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more then 35 days and Experian haven't responded to my letter. That's a direct violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period begining on the date which the agency received the dispute from the consumer or reseller. 
Remove XXXX XXXX XXXX XXXX # XXXX, delete this account immediately because of violation 15 usc 1681i ( a ) ( 1 ) ( A ) also XXXX XXXX XXXX XXXX XXXX acct # XXXX both are inaccuratly reportiowing inaccurate accts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a XXXX compliance letter about inaccurate information reporting on my credit report I sent letters in and never got any response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent notarized documents to TransUnion CB ( driver license, social security card and mortgage statement ) requesting them to update all my personal information on my credit report and this company refuses to do so. I got divorce and remarried 5 years ago, so I have a new last name and they do not want to remove my previous last name. Note that all my open and current accounts have been updated for a long time. 

Can you help me please. I believe TRANSUNION should change my all personal information for my credit report to be accurate. " I AM NOT LONGER HAVE XXXX XXXX as my legal name '' and my current personal information is the following, all others information on my credit report is completely inaccurate. 

My full name is XXXX XXXX XXXX ( changes last name 4 years ago ) My social security number is XXXX My present and only address is XXXX XXXX XXXX XXXX XXXX, MD XXXX ( living here for almost 6 years ) My present and only employment is XXXX XXXX All others inaccurate personal information needs to be remove from my credit reports. 

THANK YOU IN ADVANCE, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had it with XXXX 's handling of my issues with the way they are reporting my personal information. There are wrong addresses on there that I have never even lived at. In response, I have gotten letters from them requesting information that I already sent out ( a utility bill with my current address, my ID with my current address, etc ). 

I mailed them the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, At this point mailing them so many times out is messing with the security of my information. I mailed them a follow suit letter as well on XX/XX/XXXX showing that XXXX fixed the errors on my personal information in my report and that experian is obligated by FCRA laws to follow suit by also updating my information so it matches. 

I have included files that show that XXXX has received the information they are YET AGAIN requesting. 

The only information on my credit report should be my current address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX my current phone number : XXXX and my current employment status : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This week, XX/XX/XXXX I received THREE letters from XXXX after I submitted my previous complaints with the CFPB. TWO of those letters are asking for the information I have already sent over FOUR TIMES!!!!!!!! I sent my current utility bill from XXXX, and I even included my XXXX that contains my SSN! 

I have sent an OVERWHELMING amount of evidence to get the wrong information removed and have the right information stated on my credit report. XXXX is especially messing with my ability to move at the moment since whenever my credit is pulled, they see the erroneous previous addresses. 

I HAVE ATTACHED EVIDENCE THAT SHOWS I MAILED MY EVIDENCE MULTIPLE TIMES ALONG WITH THE LETTERS.
Product: Credit card or prepaid card

I would like to file a formal complaint against Discover Card with yet another example of their fraudulent customer practices. When I applied for a Discover Card in XXXX from the application Discover Card sent me, I asked for a balance transfer of {$23000.00} from a credit line since Discover was advertising a lower introductory interest rate on balance transfers. Instead of granting the amount requested, Discover issued a card with a credit limit of {$5000.00}. In todays mail, I received a Discover Card bill showing Discover subsequently transferred a balance of {$4700.00} from the credit balance of {$23000.00} without my authorization or intent. Additionally, Discover billed {$140.00} for this transfer that I did not request nor authorized. Discover has subsequently promised to close the credit card because I refuse to comply with Discovers subsequent fraudulent and illegal requests for a certified copy of my drivers license. 

Please require Discover to under to balance transfer of {$4700.00} Discover fraudulently completed without my authorization and remove the {$140.00} fee Discover is charging for the fraudulent transfer. 

I have never previously dealt with a company with such poor customer service and fraudulent, unauthorized activity in all my 71 years. Discovers Executive Office is continually unavailable and does not listen to customers. I found a website with multiple complaints about Discover and added my initial complaint. I will be demonstrating this additional fraudulent activity on as many websites as possible to help make others aware of Discovers ongoing deceitful activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called Amerihome several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. Amerihome continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint
Product: Debt collection

XXXX XXXX XXXX XXXX contacted me about a credit card from Capitol One which they are attempting to collect upon. They did not identify themselves as being from XXXX XXXX XXXX XXXX. I discovered this after reverse tracing the phone number they gave me to contact them.Instead of discussing the delinquent credit card amount in question, they attempted to coerce me to purchase a gift card from them, before allowing me to inquire or negotiate over the amount I owe to Capital One. They sent me a letter dated XX/XX/2017 with the last four digits of the credit card # XXXX along with a case number XXXX. The letter instructed me to call an XXXX number ( XXXX XXXX ). I called the number which brought me to a menu with only one option, which was to hit the number 1. I selected the number and a call center representative came on the call and attempted to sell me a {$100.00} dollar gift card for a fee of {$2.00} before he would discuss anything about the delinquent credit card. This tactic was deceptive and unethical in my opinion. I was trying to make a good faith effort to settle an old debt and was being being solicited to buy something else in order to simply gain access to someone who could or would discuss the credit card with me.
Product: Checking or savings account

I made a transfer from the same XXXX account that I had made previously to open the business checking account for my NY incorporated company XXXX XXXX and XXXX  with a valid EIN number from the US government registed in my name with 100 % ownership as put on the application to Chase. 

Chase subsequently the next morning, locked my account and cancelled the transfer. They told me it was because it was an external account they don't know of. But the transfer was made from Chase, to a VERIFIED account already that they dropped money in. This keeps getting fishier and fishier. THEY ALSO TOLD ME I WAS NOT ALLOWED TO RECORD THE CALL THEY DON'T PERMIT IT!!!! NY is a single party consent state and I consented ( don't need to say a word to consent ) and I believe by telling me that they were breaking the law. They have it recorded they told me, they also then tried to backtrack and say they didn't say anything, please listen to the call its the truth about how some of these banks collude to mess with a good customer, his business and his HARD earned CASH of his own. No fraud, just fraud on the banks side for locking my money. Fix this problem they are retaliating, its obvious!
Product: Credit reporting, credit repair services, or other personal consumer reports

I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints against Equifax, XXXX and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all XXXXredit Reporting agencies shouls be deleted.
Product: Credit reporting or other personal consumer reports

Thank you for your immediate attention. 
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this time frame, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the XXXX XXXX XXXXXXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX  on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXX XXXX XXXX myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to XXXX and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for two disputes one for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for XXXX XXXX XXXX revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under XXXX and the rest of equafax and XXXX for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.
Product: Credit reporting or other personal consumer reports

Equifax has falsely fabricated a credit score for me reducing my score from XXXX to XXXX. This is not a logarithmic outcome. The decision to lower my credit score was taken by an Equifax middle manager alarmed that I might be climbing out of the wormhole Equifax created for me. Heres how it works : for years Equifax has been pushing false data into the system for more than a century. An Equifax client, say XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX make a false claim ; Equifax publishes it without any verification at all. The consumer works diligently to remove it or after seven years it expires. However, the consumer still cant get a credit card because according to Equifax there is no credit history which the banks love since they dont really like lending. If the consumer manages to get a credit card Equifax steps in and says : no, no, no, your credit cards are too recent, therefore you get a drop of your credit worthiness to under XXXX, making it impossible to even rent an apartment. The responses Equifax gives to consumer complaints is to demand data they already have in the hopes of wearing the consumer down and confusing the matter. In the end the CFPB accomplishes nothing. I make this promise to Equifax : I am going to file as many lawsuits as possible and call on XXXX XXXX XXXX and XXXX XXXX to haul XXXX XXXX to congressional hearings in Washington. Equifax is a corrupt bad actor, a social Ill and a company that should be heavily fined if not dissolved. So, Equifax send me a free copy of my credit report and score now. Oddly enough my father worked for Equifax for more than thirty years and he hated his colleagues at your monstrous company.