23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Inaccurate Credit Reporting by XXXX XXXX XXXX and IQ Data International INC Complaint Details : I am filing this complaint against XXXX XXXX XXXX, IQ Data International XXXX XXXX XXXX  and/or their property management company, for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Summary of the Issue : The apartment complex has reported an incorrect balance of {$5100.00} to the credit bureaus, which does not accurately reflect what I owe.

I have disputed this error with the credit bureaus, but the apartment complex has failed to correct or verify the information.

I have requested documentation from the apartment complex to justify the reported amount, but they have either failed to respond or provided inaccurate records.

This false reporting is negatively impacting my credit score, limiting my ability to secure housing and credit.

Supporting Evidence : Lease Agreement & Final Account Statement ( shows the agreed-upon rent and move-out terms ).

Bank Statements ( showing rental payments made ).

Emails/Text Messages ( correspondence with the apartment complex ).

Tenant Ledger or Account History ( requested but not properly provided ).

Violation of the Law : Under the FCRA, data furnishers must ensure that all reported information is accurate and verifiable. The apartment complex is failing to : 1. Report accurate information ( 15 U.S.C. 1681s-2 ( a ) ).

2. Conduct a proper investigation after my dispute ( 15 U.S.C. 1681s-2 ( b ) ).

Desired Resolution : I request that the CFPB : 1. Investigate the apartment complexs inaccurate reporting and require them to provide proper documentation.

2. Direct them to correct or remove the false entry from my credit report.

3. Ensure compliance with FCRA regulations to prevent further harm.

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I did not consent, or benefit from, or authorize any the following account WFBNA card account XXXX the total amount XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in late XXXX, I began receiving a number of alerts from the credit monitoring services that I have, saying that either new inquiries had been made on my credit report, new addresses added to the report, or in some cases even new accounts opened. I contacted Experian, XXXX, and XXXX in order to dispute these items, and I have also been contacting the individual companies that are making the inquiries/ opening the accounts in order to ensure that all accounts are closed or applications denied. Originally, the credit reporting agencies suggested that I place a fraud alert on my credit report, which I did early in the process. However, that did not seem to have much effect, as I continued to get alerts about new inquiries and accounts. More recently, I discovered the option of a credit freeze ( which was never explained by the reporting agencies - Experian did suggest that I sign up for a paid service they offer in order to lock my report, but did not explain that it was also possible to do essentially the same thing for free with a freeze ). After placing freezes at all 3 bureaus, the alerts have definitely slowed down, but I did receive another address change and inquiry today ( 3 days after placing the freeze ). 

I am submitting this report because I was directed by Experian to submit a report through reportfraud.ftc.gov and upload it to them, and that site sent me to the CFPB website to submit this when I selected the type of report.
Product: Debt collection

I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.
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 fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 139 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Please remove these identity theft inquiries : All XXXX accounts for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I withdrew {$180.00} from my checking account at XXXX XXXX XXXX bank and loaded as virtual currency into Venmo internet debit card to make purchases. After I made purchases and returned boots to XXXX XXXX refunded XXXX to Venmo account and Venmo frozen account any notice and blocked ability to either spend the balance making purchase or transfer back to my checking account. I made many inquiries to Venmo customer service which come back with unrelated automated message which does not address frozen account nor ability to transfer funds back. To this day the Venmo card balance is {$52.00} account is frozen and all inquiries to XXXX XXXX and Venmo go unanswred
Product: Credit card or prepaid card

Citi / AAdvantage Platinum Select card offers, " Spend {$2500.00} in three months and get XXXX XXXX XXXX bonus points. '' The problem is, you don't get 3 months because the clock starts the moment they approve the card. 
They will only send the card regular mail. They say that is 7-10 days. So they admit you won't get three months. 
Additionally, if card is lost in transit and they cancel and send new card, another 7-10 days from that point. So now we're at 2 weeks gone by ( at least ). 

Therefore, they are making an offer that they can never honor because no one is going to get 3 months. 

I believe the offer should say, " three months from time card is activated '' ( which is actually what I assumed was the offer ). That way, the consumer does get three months. 
The could even say, " three months from time card is activated or 15 days after approval, which ever comes first. '' That at least satisfies both parties ' needs. 

I have contacted Citi three times on this matter and they refuse to let me speak to a supervisor, they refuse to overnight the card, they refuse to give me card number so I can make online purchases. I was approved on XX/XX/2020 and it is XX/XX/XXXX and still don't have card. I have contacted XXXX XXXX three times and they finally called me today to say they will do nothing.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX are not showing my credit score and I have over 2 years history
Product: Credit reporting or other personal consumer reports

I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$6100.00}
Product: Credit reporting or other personal consumer reports

Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a XXXX XXXX no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Fraud from XXXX I d0 n't have exact dates because the transactions never post to my account and never show on my checking account statement. I get 2 checks directly deposited into my checking account the first week of each month the total for both checks deposited be less than the 2 checks amount to. In XXXX i started getting weekly unemployment payments directly deposited into my account it was over XXXX and most of it disppeared from my account. I would make withdrawals using atm get the receipt go to my online account days later and the availible amount show less than my receipt from atm show.Money would disappear from my account and never post to my account and never show on my statements. I would call customer service to resolve each issue but they was not able to help because they too was unbale to see the transactions and withdrawals that i didn't make. I just found out about cfpb
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1994 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am reaching out to assist in a matter concerning a loan company. After advising them I was experiencing an extreme financial hardship and death in my family I requested they cease any automatic payments from my account. I received a call from XXXX on XX/XX/XXXX. I again explained I was suffering an extreme financial difficulty due to a loss of income and death of my brother who was murdered on XX/XX/XXXX. I requested a financial hardship program which would allow me to pay back this loan with terms that did not consist of interest only payments. I was advised by XXXX that the only thing they would be able to do is put me at payments of {$20.00} until I can get on my feet however interest would a continue to accrue at a standard rate. I informed him that would not be sufficient as I would just be throwing money away, all while continuing to accrue a high interest balance each month. XXXX then explained he was unable and unwilling to do anything else and that if I did not work out a promise immediately I would be subject to an unauthorized payment being submitted to my bank. This is nothing more than an unacceptable and unauthorized threat which should be investigated. No company should feel its first option for dealing with someone in a hardship is to threaten to take money from my bank account. I am asking that I be contacted by a member of the corporate staff in order to work out an acceptable and reasonable arrangement.
Product: Credit card or prepaid card

Citi Reference Number : XXXX " We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your account. '' Send me billing statements as often as you'd like, they will only get ignored. I am not responsible for making required payments because I don't owe your company a dime. I had disputes on my account that were left unresolved, including disputes where I showed you proof of the merchant billing me twice but you still went in favor of the merchant. There's {$600.00} in just one dispute alone that you told me you were crediting back to my account permanently. You later on decided to undo that action. You can not tell a customer you're making a conditional credit permanent, and then later on bill them for it. I also have your promise of a permanent credit for the nearly {$600.00} charge in writing, and I will be using it for supporting documentation, along with proof of all other disputes your company mishandled. And I will be reporting this to the credit bureaus, as well as whatever collections agencies you decide to sick after me. So I suggest you save your time and effort right now and remove the balance from my account, which is only as high as it is due to all the late fees and interest charges which have incurred due to the fact that that were transactions I refuse to pay for because you didn't do your job. 

Have a wonderful day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion on multiple occasions regarding these inquires appearing on my Credit Report from dates back in 2018 they were not there about 2 months ago now they have been inserted, I did not authorize or didn't get any type of notification on where or why they are on my report. I've tried calling the company 's along with Transunion and the representative refuses to assist with this issue. 

Hard Inquiry on XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX
Product: Money transfer, virtual currency, or money service

I initiated an international wire transfer on the XXXX of XXXX from my Chase business checking account for XXXX dollars that has not been received by the recipient branch. The wire was sent to my father 's bank account in XXXX. It has been 16 days since I made this transfer. An international wire transfer is supposed to take 1-5 business days. My first phone call to customer service at Chase was on the XXXX of XXXX inquiring why the wire had not been received by the recipient yet - since my account had been debited days ago.I was informed to wait until the end of the week to start an investigation. I called back Monday the XXXX and was issued a case number XXXX but I have been unable to get anyone in Client service to actually track or follow up with what is going on with the transaction. After a week of waiting, on the XXXX of XXXX I had to harass customer service for a helpful answer and was finally directed by an agent to something called the " secure messages center '' which is a service that exists within the Chase online banking app - a service I did not know existed, nor was informed of by Customer service until I threatened to escalate the situation. To summarise it is like a private inbox within the app itself and the messages sent or received here are not reflected in my regular email inbox that is linked to my bank account. Therefore, unknown to me, this entire time, there had been a message in the Secure Message Center inbox from their " XXXX XXXX XXXX XXXX XXXX '' sent on the XXXX of XXXX stating that the wire could not be completed because the XXXX XXXX XXXX XXXXXXXX required more information regarding the purpose of the wire and that if I did not provide this information within 5 days of the receipt of that message, a recall would automatically be initiated and i would be charged the fees to process the same. Since not a single Customer service agent I had spoken to directed me to this service until the XXXX of XXXX, or even informed me that such a service existed and that I had probably overlooked a message regarding my wire in this specific part of the online banking dashboard, I did not end up being able to provide the relatively simple information that could have allowed the wire to go through within the required time window. The message also mentioned that the recall would take 3-5 business days and that I could contact the XXXX XXXX XXXX XXXX XXXX XXXX for any further information. When I attempted to call this number on the XXXX of XXXX I received an automated response stating that this department was unavailable. In my last conversation with a customer care specialist with Chase I was informed it would take 3 months to recall my money back.
Product: Credit reporting or other personal consumer reports

Incident Description : XX/XX/XXXX, I initiated a dispute regarding an entry on my credit report with XXXX, XXXX and Equifax. The entry in question pertains to an accounts that does not belong to me. 

Actions Taken : I submitted several formal disputes through online portals and mail to XXXX, Equifax and XXXX. 

I received a response from all three bureaus stating that the investigation would be completed within 30 days. The response indicated that they would contact the creditor to verify the accuracy of the information. 

I followed up with as the investigation period had expired. I was informed that the outcome was that they were able to verify the accounts were mine and when asked for the original signed contract, I never heard back. 

Amounts Involved : The disputed entry involves : XXXX XXXX I show the balance on my XXXX report as {$3400.00}. XXXX I'm not sure of the balance. XXXX XXXX {$120.00}. XXXX XXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX  {$1500.00} and XXXX XXXX XXXX {$590.00}. 

Current Status : As of XX/XX/XXXX, the issues remains unresolved. I have sent additional documentation, spoken with a representative, etc. However, the incorrect information is still appearing on my credit report, affecting my credit score. 

I request that you forward these comments to the companies involved to ensure that this issue is addressed promptly and accurately. I am looking for a resolution that includes correcting or removing the inaccurate information from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried reaching XXXX XXXX Equifax to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern lately regarding the regularity of payments. 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

This complaint requires your immediate attention, as it has not been submitted in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This is a deeply concerning issue that has caused me significant stress and anxiety.
Product: Payday loan, title loan, or personal loan

We understand we owe money to this company. But we have continually asked them not to call us and even sent a cease & desist letter which I have a copy of asking them not to continually call us ( I have copy of this also ) We would like all correspondence to be in writing from now on. They still are calling in which I have dates and times and voicemails saved. We would like the harrassment to stop and send us what we need in the mail please.
Product: Checking or savings account

Hundreds of withdrawals were fraudulently taken from my account as XXXX charges up to 2021. My account was in overdraft many times as a result. This was during XXXX. 
I submitted a detailed claim to both Wells Fargo and XXXX and was not repaid the amounts. I appealed and heard nothing back. 
My XXXX account was subsequently disabled as if I had been the perpetrator of the fraud and recently my Wells Fargo account also closed by the Bank. As such I am unable to share the files which were sent directly to Wells Fargo and XXXX. 

I believe these are wholly unacceptable and unfair practices by Wells Fargo. 

The amounts total over {$120000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has repeatedly and recklessly reported and continue to report inaccurate and incomplete data to Equifax to be entered on my personal private consumer report. The inaccuracies and incomplete data is as follows. 
Reporting that I have made 23 percent of my payments on time, this is not reflected on my report. Incomplete and missing and or on time payments for XXXX, XXXX, XXXX, XXXX. Also, as of XX/XX/XXXXXXXX  has changed my days late from 150 to 120 in order to dictate the automated system to generate another 150 day late report. Also, between XXXX XXXX  and XX/XX/XXXX XXXX XXXX XXXX has increased my balance on a closed and charged off account by XXXX, see attached documents.
Product: Mortgage

I filed chapter XXXX bankruptcy on XXXX/XXXX/14, the bankruptcy was discharged on XXXX/XXXX/2014. I included my XXXX balance of approx. {$34000.00} ; this balance was discharged. XXXX sold the loan to Seterus. I have been making monthly payments to Seterus because I want to avoid a foreclosure. However, Seterus are charging me interest and will not provide me with a statement, nor will they provide me with receipt of my payments. My payments have increased from {$300.00} to over {$400.00}. I have requested pay off statements and the balance keeps increasing. Since this loan was included and discharged in my bankruptcy they should not be charging me interest. I want a refund of all of the interest I have paid them since 2014. I want a detailed list of all of my payments and I want a pay off statement. They refuse to talk to me on the phone because they keep saying I am in bankruptcy. I keep telling them my bankruptcy is discharged and closed. I need this information so that I can sell the property and I want the interest that they have charged me to get refunded. I am not liable to pay this loan because it was discharged. They are breaking the law by charging interest on a loan that was included and discharged in bankruptcy. Please help.
Product: Debt collection

Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail.