23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Regarding Cash App ( and various other services that use a XXXX  party identity verification service ), Myself and numerous others are stuck in a continuous loop of trying to validate and verify my identity to no prevail. Instead of telling me that their identification verifying process is flawed, I am continuously told that either my Driver 's License photo has a glare on it or other excuses like there is not enough light in the room when I am taking a selfie photo of myself, all of which are not true. 
I am an American citizen and I have been alive for XXXX  years and it has never been this hard to verify my identity until these recent years where there must be some kind of leniency on the legal standards by which a company is required to verify consumers. 

As a result, I can not cash out on my XXXX account, without being properly verified. In the meantime, the value of my Bitcoins are steadily decreasing. 
XXXX has to be done about this because consumers can not choose the verification processes that companies are allowed to use, nor do we have control over the ways in which our information is stored for legal purposes, ie., XXXX XXXX. I have been experiencing this problem ever since the mandatory switch to XXXX XXXX. 
Nothing about my name or my social security number has ever been changed. 
I am having the same problem with XXXX also and XXXX owes me money as well. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

( See more details in the included document named Dispute not solved XXXX to Equifax. ) Equifax did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here. 
Additional Information and Documents About My Dispute to Help Equifax Resolve It : Dispute Is Not Solved, on Equifax XXXX XXXX : XX/XX/XXXX ; Confirmation # XXXX ; account on page XXXX o XXXX, and page XXXX of XXXX ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

XXXX. My credit report is about this credit card account, still has to be corrected. 

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, XXXX every month while agreement was active, last XXXX payments in just XXXX on XXXX XXXX XXXX. 
Instead : XXXX REPORTED XXXX LATE PAYMENTS!!!! 
See Equifax XXXX File Included page XXXX o XXXX and page XXXX of XXXX - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages XXXX - XXXX ( pages XXXX pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX XXXX XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the XXXX monthly payment of the Certified Payment Agreement was XXXX 

No matter this Equifax XXXX XXXX of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see Equifax XXXX XXXX page XXXX - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The XXXX letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female XXXX at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.
Product: Credit reporting

On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.
Product: Checking or savings account

I received a check from XXXX XXXX for XXXX XXXX XXXX in the amount of {$390.00} sent I think the change amouth is XXXX cent XXXX XX/XX/XXXX. I deposited it it at Keybank. They say the check looks different then the ones they have previously received. They told me the that they would have a decision in XXXX business days. Which has already passed they've been holding onto my check since the XXXX of XXXX It is now the XXXX of XXXX.. I took the time to be on the phone with your department for an hour and spoke to your representative XXXX I believe his last name initial was XXXX. We both talked to their fraud department and they recorded the conversation and took notes down. He told them that I was the person who got issued the check. All of the information on the check was correct, and he confirmed that the check was issued by your company! They are still deciding to at this point. Discriminate against me. I am starting to get really upset!! I have never known a bank to hold less than XXXX XXXX dollars and think somebody's trying to scam them. If I wanted to scam, I would have tried to cash way more money then a measly XXXX Not that I do those things, but i'm just saying it would've been a XXXX of a lot more money than this! I also have been told by several representatives of Keybank that they don't understand why it's taking so long because of the amount of the check being so low!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Maam To whom it may concern, I have a few late payments to my XXXX # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XX/XX/XXXXunexpectedly. 
Her XX/XX/XXXXwas and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XX/XX/XXXXunfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XX/XX/XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXMD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX
Product: Checking or savings account

The sports betting website XXXX XXXX fraudulently charged my card for {$1500.00} on XX/XX/XXXX. I contacted Bank of America within a day of the charge being made, and in the two weeks following my initial dispute of the charge I called two additional times as the claim was being reviewed ; each time, representatives assured me that Bank of America would resolve my claim, and I would receive the {$1500.00} within 24-72 hours, and this was a lie, as they denied my claim. I have never in my past spending history spent any money on sports betting, which Bank of America would have realized if they properly researched my account history, which again indicates that this charge is fraudulent. My account only had around {$1800.00} at the time of this purchase, so the the {$1500.00} charge drained my account almost completely of its funds. Furthermore, after reading Bank of America 's claims decisions it seems they had not properly contacted XXXX XXXX to get information regarding this fraudulent purchase, or traced the IP address of the purchaser.
Product: Debt collection

I have paid off this account and I would like it to be removed from my credit report as soon as possible
Product: Debt collection

They are trying to say I owe them money for a service I never used. The address and all my peronal information does not match.
Product: Credit reporting

I 've paid off XXXX accounts and upon paying both these debts off they agreed to remove both items remain on my credit. Accounts were with XXXX credit card and XXXX.
Product: Debt collection

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dynamic Recovery Solutions called my home and sent a letter here for a debt owed by XXXX XXXX. I do not know an XXXX XXXX and this person has never lived here or used this phone number. 
This harassment has been going on for over a year by this company. I have filed complaints, received an apology from the company, and the harassment starts again after a few months.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report this afternoon and found inaccurate accounts. I regularly monitor my report, but this time, these errors just appeared out of nowhere, and I cant figure out why. I even refreshed my browser, hoping it was just a technical issue, but nothing changedthe incorrect accounts remained. This situation is very upsetting, and Im asking that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue forever.
Product: Checking or savings account

On XX/XX/2020, I went to the HSBC bank branch located at XXXX XXXX XXXX, XXXX, VA XXXX to close an old checking account I had at HSBC. The account contained {$1700.00} and had been at that balance for over a year. I asked the representative at the branch if I could withdraw the money and close the account. He said yes, withdrew the money, provided a receipt of the transaction showing an ending balance of {$0.00}, and told me the account was closed. I left the branch and deposited the money in another bank. 

Recently I received a letter in the mail addressed from HSBC stating : " Subject : HSBC Bank USA, XXXX. 
Account Number Ending In : **** Amount Due : {$15.00} Dear Customer, We would like to thank you for being a valued HSBC customer and we hope you are enjoying all the services and benefits. 
We recently notified you regarding the overdraft of your HSBC checking account. Please deposit the amount above to cover the overdraft as soon as possible. 
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Evidently they have made an error while closing the account and never did so, then charged me an overdraft and/or low balance fee on the account which they said was closed. I even specifically asked at the branch if the withdrawal could be made, and the account closed, without triggering any of these fees, and their representative stated that it could. So now HSBC has made a mistake closing an account I no longer have, erroneously charged me fees, and sent me harassing letters about a nonexistent debt which I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these XXXXyears and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of education/OSLA/Oklahoma Student Loan Authority . For the % th time i will attached a XXXX police report/ftc/identifers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received inquiries from companies that I'm not aware of or was supposed to do a soft pull. 

Please see the disputed inquiries : XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests to update the erroneous accounts. The 3 credit Bureaus are required to review these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

South west credit systems XXXX stated that owe an amount already paid to XXXX  there is no exchange for amount or consideration. There is no loan and should not be inferred. XXXX  has all equipment in possession yet expected again to show reception and I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  ( XXXX ) Address : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( Equifax ) Inaccurate late reporting : XXXX - ( XXXX, Equifax & XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( XXXX & Equifax ) ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX, XXXX, Equifax ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/XXXX - ( XXXX & Equifax ) ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX  ) ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$3800.00} ( XXXX ) ; {$0.00} ( XXXX ) ; {$3300.00} ( Equifax ). This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  EQUIFAX MORTGAGE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has an incorrect account listing of an account with XXXX on my credit report. 

I attempted to make a purchase using XXXX  through XXXX. However XXXX  canceled my order immediately after completing checkout. XXXX has never refunded my {$500.00} down payment, nor have they terminated the never existent loan. 

They continue to report to experian a loan that does not exist and refuse to refund my down payment. 


Experian has been notified of this multiple times by multiple channels. Including a previous complaint utilizing this process, with which they never responded and simply lied, stating they did. 


Both companies are in very serious wrong doing and both are abusing this system right in front of your eyes. Take action on them immediately.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized credit card account on my credit report through Equifax, listed as a XXXX XXXX  credit card. However, I have never visited any XXXX XXXX  branch or opened any account with them. On XX/XX/XXXX, I submitted a dispute through Equifax 's Dispute Center, and on XX/XX/XXXX, I received their response report. 

In the report, they found that the holder of the XXXXXXXX XXXX XXXX is named XXXX XXXX, with a date of birth of XX/XX/XXXX. This does not match my name or date of birth at all. However, the last four digits of this person 's SSN are identical to mine, and the address listed is the same apartment I lived in from XX/XX/XXXX to XX/XX/XXXX. Despite these details, it is evident that the holder of this XXXX account is not me. 

After sending me this report, Equifax has not removed this unauthorized XXXX account from my credit file. Moreover, this account does not appear on my reports with XXXX or XXXX. I find it unacceptable that Equifax has not taken action to adjust my credit file, even though their own investigation clearly shows significant discrepancies between the account information and my personal details.
Product: Credit card

I purchased an item using my XXXX XXXX Credit Card. The item was incorrect so I contacted the merchant who told me to send the item back and they would give me a refund. I sent the item back and never received the refund. 
I called XXXX XXXX to report a transaction and merchant. I shipped the item back and charged the return to my XXXX XXXX card so they could have adequate information and proof that I returned the item. XXXX said no problem they will place a claim and make sure that I do n't accrue interest on the item. 
XXXX asked that I fax them proof of the correspondence between the merchant and I plus proof of the return such as return label and tracking information all of which was sent to XXXX. XXXX asked that I wait 30 days while they complete their investigation. I waited 30 days and then I called them they told me do n't worry they are still waiting on the response from the merchant. I waited as instructed by XXXX customer service but I heard nothing from them. They were too busy sending my account to XXXX with no concern about my claim. 
On XXXX XXXX, 2016 I called XXXX again they said they cant help me any longer and that I must call XXXX because their partnership with XXXX has ended and XXXX should have all my detail. 
I called XXXX bank they said a charge for {$380.00} took place on XXXX XXXX, 2016. That same day a claim against those charges appeared and a credit was posted. Yet again that very same day the credit was removed and te charge was applied. XXXX said that the claim must have been resolved that 's why the added the charge back to my account. I told XXXX that the statement does n't make any sense. XXXX claims that the dispute was never resolved and that they must place a new claim. My problem is that XXXX knew that my TrueEarnings ( R ) Card from XXXX and XXXX XXXX would be replaced with a credit card from XXXX and would not be an XXXX XXXX XXXX Card anymore. I believe based on the notes that XXXX read to me that XXXX did n't care about my claim and did n't care to inform me that they placed the charge back to my account which accrued interest because it would not be their problem any more. I upset because XXXX had ample time to get the job done and keep me up to date with results but they willingly choose not to. When I called XXXX they told me that I must place a new claim and that they would take care of me. The customer service agent from XXXX told me it will take 24 hours and a agent would call me back but I have yet to receive a call from XXXX regarding my account. XXXX and XXXX need to get their things together and keep me up to date about my account.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion by mail, but they are refusing to investigate my case, claiming that the documents were submitted by a third party. In reality, I am the one submitting my own documents and dispute.
Product: Credit reporting or other personal consumer reports

LCI verified a bankruptcy on my credit report, and they claimed that the bankruptcy court verified the account. When I ask the courts, they responded saying that they do not provide any information to the credit bureaus. 15 USC 1681b states that CRA credit reporting agency has to have permissible purpose. In accordance with the written instructions of the consumer to whom it relates. Knowing that I asked them for a copy of the permissible purpose written document. I also sent them a copy an Affidavit of Fact notarized stating I did not give them permission to my private information. I also asked them to remove this erroneous inaccurate unverifiable information.
Product: Credit card or prepaid card

Fnbo- XXXX XXXX I found a bunch of XXXX charges on CC and I called to have the disputed. And they denied the claim saying I took part in the fraud. When I called the they told me that if someone in my house used my card without my permission it is still considered a valid charge. Although nobody in my house used my card to my knowledge. They will not reverse the charges.