23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has ignored my desire to correspond and get details on how they continually verify XXXX liens in the public records section of my file. Initially they somehow kept verifying these liens as mine at my current address, which is not accurate. And now they are claiming that the liens are mine, only at another address, where I do not even live ... They are only communicating through this portal and not answering any of my letters where i am asking them to properly investigate this and see that that my mother lives at that other address and we have the same name. They ignore me! I have spent so much money at my local XXXX post office sending endless letters via certified mail with XXXX requested back and yet they keep sending me the same ridiculous response which makes no sense. XXXX and XXXX have removed these inaccurately placed liens on my files with them, what is Equifax seeing that they have not seen? I think that they are doing illegal verifications so they do not accept responsibility for their inaccurate reporting. Equifax takes advantage of its consumers and i will hire an attorney if these liens are not removed from my name.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I would like my derogatory account removed. This account is misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$7000.00}. I have reached out to this creditor multiple times that this debt is not mines. This account was opened by a ex spouse. I never lived at the listed address and I never had service with this company. I have provided police report as well. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).
Product: Checking or savings account

I have over 21 NSF fees in my usaa checking account. Every fee was cause by deposits that showed up as cleared on my online account statement but the bank says they the items were returned door the the items not actually being cleared fully. I have nearly {$600.00} in NSF fees in a three day period. Also Usaa policy read that they will only charge up to 10 nsf fees per cycle, I have 21 in 3 days. I've talked to three representatives and each one refused to refund any of the fees and stated that even though the deposits made showed up on my online statements that they weren't actually clear, therefore that is why the payments were returned and fees were charged
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

We were debited earned cash back rewards from Citi Visa. The credits were earned with purchases on their card. We had a refund returned on the Citi Visa for a purchase that was made on XXXX XXXX. Both cards were issued through Costco. We received a {$12.00} reward from the XXXX purchase but deducted {$74.00} in cash back rewards from Citi on the refund. They should have only deducted {$12.00}. We made two calls to them to correct the error and they refused stating it was an automated process. It is our position that this was a fraudulent transaction on their part. We earned the cash back credits per the terms of their card agreement and Citi wrongfully deducted the earned cash of {$62.00}.
Product: Debt collection

I have attempted to settle the debt several times by phone and they refuse to settle or accept any payment other than the whole amount at one time, Ive asked them to send me the documents about the debt and theyve refused.
Product: Checking or savings account

On XX/XX/year> I deposited a XXXX  Refund Check issued by XXXX XXXX XXXX for XXXX dollars as a refund payment for my XXXX XXXX. I made the deposit using USAA 's mobile app on my iphone. I waited the 3 days as required and destroyed the original check. I was notified by USAA on the XXXX of XXXX that the image of the check was unreadable, so they had to return the check, and debit the {$1200.00} from my account. USAA informed me that they could reissue a substitute check and I could deposit that, which I did by sending it back overnight via UPS but this time i deposited into my checking account ending in XXXX on XX/XX/XXXX, they turned around and returned that check as well, initially telling me that it wasn't endorsed when in fact I knew I endorsed it. A different representative I spoke with when the issue was escalated, told me that it was the same problem and shouldn't have been issued to begin with, it had nothing to do with endorsements. They told me my only recourse is to have XXXX XXXX reissue the check and after multiple conversations with XXXX XXXX, they have told me they can't reissue a check that still shows cash, when I escalated the event to senior person in XXXX, they told me that USAA has the {$1200.00} she can track the payment via the account numbers on the back of the check. USAA has still refused to pay me the {$1200.00} dollars and says the check was returned, XXXX financial system as of today still shows the check as cashed XX/XX/year> -
Product: Mortgage

I refinanced/modified the mortgage on this property back in 2012. Greentree approved the refinance which was based on making 3 monthly payments which were completed and on time. I received a congratulations letter that my refinance/modification was approved. Subsequently 30 days later I received a follow up letter from them saying they never received a signed document I was suppose to mail back to them. However, there was no such letter ever sent to me that required a signature. I requested them to simply just fax or send me the letter to sign and I 'll get it right back to them. 

They declined and made the mortgage due in full and rescinded the refinance approval. After many attempts they agreed to have me submit a new application. Using all the same information since nothing changed they declined this one of course. From what I have found out this is a scheme to steal homes and is fairly common with companies like this. This action by that company cost me my family, my house and everything I worked over 20 years. I 've contacted over 20 people at the various companies most likely involved in this fraud and they all hind behind their XXXX dollar desks. If the investment company ( Ditech, Greentree, XXXX XXXX, XXXX Investors or whoever ) would like to come out of the shadows and speak with me regarding correcting this wrong before if must go to court and media. As a result of all this the house was foreclosed on this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax noticed that your scores dropped by 46 points on XX/XX/XXXX and must be confirmed or disputed by today here XXXX The above was a text message it said from equifax I received from XXXX.today and I believe it could be fraud
Product: Credit reporting or other personal consumer reports

RE : Formal Demand to Remove Inaccurate XXXX XXXX Account from Credit Report To Whom It May Concern, This letter serves as my third and final demand that you immediately remove the inaccurate XXXX XXXX account information from my credit report. I have previously notified you of the inaccuracies, yet no corrective action has been taken. This ongoing violation of federal law demonstrates negligence and disregard for your legal responsibilities. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. Specifically : 1 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report. 
2 15 U.S.C. 1681i ( a ) ( 1 ) : Upon notice of a dispute, you are required to conduct a prompt and thorough reinvestigation to verify or remove the contested information.

3 15 U.S.C. 1681n : Noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of {$1000.00} per violation, punitive damages, and attorney fees. 
In addition to your violations of the FCRA, multiple court rulings have affirmed the illegality of reporting inaccurate or unverified XXXX XXXX accounts to credit bureaus : XXXX XXXXXXXX XXXX United States ( XXXX ) : The court ruled that the federal government wrongfully reported XXXX XXXX arrears to credit bureaus and ordered the records expunged. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) : The court found that the XXXX XXXX agency violated the paying parents due process rights by reporting arrears without proper notice. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) : The court reversed a decision to report XXXX XXXX  arrears due to a lack of evidence and improper procedures. 

I have solid evidence that the XXXX XXXX account information you are reporting is false and was provided without proper verification or notice. I have never provided my consent for this account to be reported, which is an additional violation of my rights. 

As a result of your continued failure to comply with federal law, I have suffered significant harm, including financial damages and emotional distress. Therefore, I am demanding : 1 Immediate removal of the inaccurate XXXX XXXX account from my credit report. 
2 Payment of {$1000.00} in statutory damages per bureau for failing to comply with the FCRA, payable to me at the address listed above. 

If you fail to comply with this demand, I will have no choice but to initiate litigation against all three credit bureaus for willful violations of the FCRA and associated damages. In court, I will seek the maximum allowable damages, including statutory damages, punitive damages, and attorney fees. 

This is your final notice. I strongly urge you to take this matter seriously and fulfill your legal obligations. Contact me via email only. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact via email only XXXX All rights reserved
Product: Credit reporting or other personal consumer reports

This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. 
I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX  FORMAT compliance since, per XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
Please delete the follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have reached out to Bank of America to have a statement added to my report, showing that the late payments were due to XXXX related immediate family death. Have reached out to CEO, twice. The missed payments have significantly decreased credit score.
Product: Mortgage

I was paying the mortgage ahead ( trying to keep it paid 3 months in advance ), but they were holding the payments in unapplied. When I called to see why they hadn't applied the payments, they told me that I can not pay my mortgage more than 2 months ahead. There is no written information about this, it is an internal policy. The representative said that if I pay more than XXXX mortgage payments ahead, it will sit in unapplied, and I will have to call when it is within the 2 month period to have the payments applied.
Product: Credit reporting or other personal consumer reports

DeptOfEd XX/XX/XXXX - {$4800.00} DeptOfEd XX/XX/XXXX - {$3300.00} DeptOfEd XX/XX/XXXX - {$6900.00} DeptOfEd XX/XX/XXXX - {$1200.00} DeptOfEd XX/XX/XXXX - {$2200.00} DeptOfEd XX/XX/XXXX - {$2400.00} DeptOfEd XX/XX/XXXX - {$1100.00} DeptOfEd XX/XX/XXXX - {$2400.00} DeptOfEd XX/XX/XXXX - {$6900.00} DeptOfEd XX/XX/XXXX - {$3700.00} ALL ACCOUNTS MARKED AS MISSED PAYMENTS ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) AND IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX  XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$290.00} XXXX/XXXX  XXXX {$550.00} XXXX 'S XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$22000.00} XXXX/XXXX  XXXX {$670.00} XXXX  XXXX {$6400.00} XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$3500.00} XXXX/XXXX XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by Ally Financial and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Product: Student loan

I went to XXXX XXXX and XXXX XXXX XXXXXXXX and they promise job placement and I never got or job
Product: Money transfer, virtual currency, or money service

I started a chat with CASHAPP XXXX about losing my card and needing a new one. They had already had my new name which was legally changed years ago and created a wrong card with an old NON LEGAL name. 
During the chat they shamelessly tried to pass AI customer service as a real human and verbatim even said so. This clearly was not a human, ignored anything I asked or typed, ignored all uploaded documents and multiple clearly typed answers to questions. 

They willfully cause emotional distress and play games to toy with their users and no matter how much I asked for a manager a real person or an escalation it never happened. 
all proof attached YOU CAN NOT LIE AND PASS AI AS HUMAN
Product: Credit reporting

I have tried to submit a dispute online and Equifax wo n't allow me to submit my information. I have several accounts that should have been dismissed due to Chapter XXXX
Product: Debt collection

I had 2 bills from hospital which was listed on my credit bureau of {$280.00} and {$830.00} but sequoia finance has keep adding interest raise the bill to {$380.00} and {$1100.00} and listed on my XXXX credit Breaue which is wrong. I have not knowingly paid {$400.00} for the first bill settlement I need them to correct the bills amount and to refund the money that I paid them more than I owe.and even they had hard inquiry on my credit report without my authorization when I call Sequioa fianc why would you made my hard inquiry on my credit report then they said they have a right to do and I told them that the conversation is been recorded and I will report this then he said he will remove hard inquiry.this is act of fraudulent trying to take more money then I owe some one has to take action on it
Product: Debt collection

1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX, Experian and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.