23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a opportunity to resolve this issue. I filed a re-investigation, and still no lawful response from Transunion, XXXX and XXXX. Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act pursuant to [ 15 USC 1681s-2-b ( ii ) ] and [ 15 USC 1692 ( e ) 8 ( 2 ) A ]. I have legal documentation of my attempts to have inaccurate and false information removed.
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 ( CFPS ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, they dispute. Resolution process was unfair and deceptive as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I am disputing the of {$110.00} Alliance One is trying to collect because it does not belong to me. This debt has never belonged to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( XXXX, XXXX, and Equifax ) : Account Number : XXXX and XXXX do not provide an account number. 
Equifax reports an account number that is partially masked as " XXXX XXXX' Account Type : All three bureaus report an " Open Account '' as the account type. 
Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. 
Bureau Code : All three bureaus report " Individual Account '' as the bureau code. 
Account Status : Equifax reports " Notsatisfying F20_TRADE '' as the account status, which is not reported by the other bureaus. 
Monthly Payment : Equifax reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. 
Date Opened : Equifax reports a date opened of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Balance : Equifax reports a balance of " {$2000.00}, '' while XXXX and XXXX do not provide this information. 
High Credit : Equifax reports a high credit of " {$2600.00}, '' while XXXX and XXXX do not provide this information. 
Credit Limit : Equifax does not report a credit limit, while XXXX and XXXX do not provide this information. 
Past Due : None of the bureaus report past due information. 
Payment Status : Equifax reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : Equifax reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Date Last Active : Equifax reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : Equifax reports `` OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). XXXX and XXXX do not provide this information.
Product: Mortgage

I have been attempting to obtain a home equity loan modification from Citibank since XX/XX/XXXX because on XXXX/XXXX/XXXX the 10 year note matures and instead of being interest only it becomes interest and principal. I was assigned an agent within Citibank who sent me forms to fill out which I did to begin process. I filled out forms, uploaded them to secure email host.XXXX. and began the process of obtaining a loan modification. Since XXXX/XXXX/XXXX Citibank has shuffled me to numerous agents assigned to my case. In each instance after fulfilling my obligations to provide financial docs, permissions to obtain tax transcripts for tax filings of mine I have been " shuffled '' agent to agent ( approx. XXXX agents ). The agents have not followed through with communicating with and to me regarding status of my loan modification. I have been provided with new agents to deal with my case and a pattern of delay on Citibank 's part has been established and memorialized in notes I have written for each phone call to Citibank. Telephone numbers have been provided to me by agents ( via emails ) which when called connected me to wrong departments within Citibank, agents assigned to me " were not in the office '', " were not longer within home equity department, or simply did not respond to my communications after 100s of hours spent by me generating financial docs and providing them requested documentation either sent to me to fill out or required I provide them in order to obtain a loan modification in a timely fashion. Now I am about 3 months and 2 weeks from the time in which my loan goes from interest only to interest and principal, which will create a condition in which I will no longer be able to make payments and stay in my home. YESTERDAY I was informed by a supervisor at Citibank that Citibank WILL NOT begin a loan modification with me until I am late ( or/and delinquent ) on my payments on this loan, which as of this day I am still current on. In other words, I have to give up protecting my credit score and sacrifice my credit at XXXX years old in order for Citibank to consider performing a loan modification after consistently paying what I agreed to pay them monthly since XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval. 
I want my original account to be open.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga XXXX are violating the Fair Debt Collection Practices As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). 

I would Like to file a complaint against XXXX XXXX XXXX XXXX XXXX for the following violating or attempting the violate the following : 1. 804. Acquisition of location information A. Not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; B. Not communicate by post card ; C. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

807. False or misleading representations : A. the character, amount, or legal status of any debt ; or 812. Furnishing certain deceptive forms A. False Misleading information on printed correspondence that entity has A+ rating with the Better Business Bureau XXXX
Product: Credit card

I called the AAFES Exchange Crwdit Program on XX/XX/XXXX to verify that i qualified for the promotional XXXX XXXX  discount on first days purchase. It was a new card, new credit check, and I had never had a retail card with them before. I made my initial purchase on XX/XX/XXXX. When i looked at my bill in XXXX there was no discount applied. I called on XX/XX/XXXX and was told that the discount would not be offered because of a different account i had that was for military clothing only. I was told to send an email and i did so, which has not yet been answered. I also called again on XX/XX/XXXX and was given the same information. This promotion discount that caused me to apply for this card was the only reason I had done my purchase this way. I had called the company before applying for the card and before making purchases. No after the fact they say a credit card that was not a retail card ( military clothing only ), prevents me from using this discount. This seems misleading, illegal, and amounts to almost XXXX XXXX dollars of missed discount. Had I been given accurate information i would never have opened this card or purchased it through AAFES.
Product: Mortgage

Hi, my name is XXXX XXXX, and I have been working with Veteran United for about four months to secure a loan for a new home due to a job change in the Pacific Northwest. They help me get my scores up to apply and get approved. However, the budget they gave me was so low that I could not find anything in the area for me and my family except for homes in less popular sites. I asked them about this, and they told me that this is what my DTI ( debt to income allows, which didn't sound right. They approved me for XXXX when I asked for XXXX. About a week later, I went to another mortgage company and was approved for XXXX, so why would they lowball me like that on the budget? I can only think of a few reasons, and one is because they wanted me to target a specific neighborhood or because of my race.
Product: Credit reporting

On XXXX/XXXX/16, I was notified of a glitch within Transunion 's systems that resulted in all of my inquiries being deleted from my report and subsequently being placed back on to my report. I 've called several times in attempts to speak with the Special Handling department and have either been on hold for several hours or received bad customer service from rude, impatient customer service representatives. 

I 'd like to speak with someone regarding the glitch, as it is against federal law to remove and then reapply the inquiries to my account without notifying the consumer first. Is it possible to investigate this glitch and have someone from Special Handling contact me in regards to removing these inquiries? 

Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing thorough documentation and evidence demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries persist, negatively impacting my creditworthiness. 

I have made multiple attempts to dispute and remove the fraudulent items from my credit report. Each time, I have meticulously provided evidence, including affidavits, police reports, and any other relevant documentation, to support my claims. However, despite my persistent efforts, the fraudulent items continue to tarnish my credit history. 

The presence of these fraudulent items has caused significant distress and financial harm. They inaccurately represent my creditworthiness and have resulted in denied credit applications, higher interest rates, and other adverse consequences. Furthermore, the repeated denials of my disputes have eroded my trust in your agency 's ability to conduct fair and accurate investigations. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a user account at risecredit.com when I contemplated seeking a loan in XX/XX/2016. At the time, I was working at a company called XXXX XXXX XXXX, and included this information in the application I started. I ultimately decided not to pursue the loan, and closed the site. 

In XX/XX/XXXX of this year, a mistake in payroll left me scrambling, so I remembered Rise and ultimately decided to pursue a loan. I had changed employers, so I put in the correct information on my application that I worked for XXXX, had gotten a substantial raise, and looked for a phone number on XXXX to be used to verify my employment. I had also moved to a new address, since I bought a house, and updated that information as well. 

I checked everything over for accuracy and submitted the application. Immediately I was called to verify my identity because of a fraud alert. I did so successfully. Then, I was asked to verify my bank account via an online company, which again, I did so successfully. 

Several days passed, and I started receiving emails for further documentation, such as my driver 's license, XXXX, paystubs, electric bills, bank statements, mortgage statements, and more. I provided this information multiple times, daily receiving emails that they were still missing the information. I decided to give them a call, and the CSR I spoke with informed me that the information on the application did not match the information I was giving them, other than the XXXX ( which had been from the year prior from XXXX  ). I was quite confused, and said that I had updated my address and employer to the new one in their application, and the CSR apologized for the system error and said he would fix it and I'd hear back on an approval in the next 48 hours. 

Instead I received an email informing me that they were unable to verify the information I gave them because of a lack of documentation. So, I called again. The CSR was incredibly rude and said that I falsified information on my application, which is why I was denied. I informed him that I did no such thing, and that I had properly updated to my current information, which included a {$2000.00} a month increase in pay rate, so the idea that I wouldn't have is outrageous, especially given the fact that it doesn't pre-fill information on the application from their database. Oddly enough, my address in my account is listed correctly, so I *know* the application was saved properly with my new information. 

I continued to follow up, continuing being told I could apply again in 6 months. I don't even want the loan at this point, I just want the inquiry removed from my report. It was not used to evaluate my credit worthiness, and their system fraudulently altered my application with past data that I didn't even have access to. 

They've refused to remove the inquiry on their own.
Product: Prepaid card

I am unable to use my amex card anywhere. No place is taking it. I have reached out and was told to try different stores.
Product: Checking or savings account

On XX/XX/2022, my bank account was completely emptied to offset a negative balance in my brothers bank account even though our accounts aren't connected or linked. Chase bank rationalized this action by saying since my mother co-signed both my account and his account, her signature was enough of a connecting factor for them to do that. I tried explaining that the money they took was a loan disbursement from my veterinary school that Im given to live off of but they still cited they were justified in taking the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

XXXX is reporting negatively on my credit report even though the debt was sold to AD ASTRA RECOVERY SERVICE in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00}
Product: Checking or savings account

XX/XX/XXXX my account was restricted. I spent {$40.00} total to buy crypto for a gambling site called XXXX. Maybe this caused it, I don't know, even they don't know fully why they restricted my account. Called two times already, they tell me " check the app '' XXXX says that other people have this issue and the same thing happened to them for MONTHS. I already waited 2 weeks for checks and debit cards for XXXX to process, missing my summer class registration, I don't have the patience for more money hostage games with SoFi.
Product: Debt collection

I called and reported that the debt was included in a bankruptcy and was not collectible by this collection agency. I volunteerly moved out of the apartment before eviction due to non payment of rent when I filed for bankruptcy. I was in the hospital for an extended period of time and not collecting a paycheck which is why we moved. I sent the bk paperwork and the notice of departure due to inability to pay rent and they refuse to remove the collection. As part of the bankruptcy I moved out and the apartment was closing my file without just the deposit fee and they were not going to charge lawyer fees they just closed my account and balances it to zero. So there should not be a collection at all from the company or the original creditor.
Product: Credit reporting

I received a letter in mail. It was a pre-approved confirmation certificate- for a pre-approved loan. 
It was our residential address, but the recipient was a different name. 
I searched this name, and he had XXXX criminal records. Two years ago, we had a collection agent called us about the bill we did not have, and it was the same person 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. The charge off was not updated as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete it.
Product: Payday loan, title loan, or personal loan

A solar panel loan was obtained to install solar panels through XXXX XXXX. The panels are not performing as stated in the contract and the loan company has not addressed this with the company. In the meantime I still having electric bills and also paying the installments for the loan. I have reached to the solar company and they have refused to solve the issue.
Product: Money transfer, virtual currency, or money service

Background= XXXX XXXX  making {$8.00} an hour XXXX. Working less than XXXX hrs.wk. 
XXXXXXXX XXXXXXXX  making {$2.00} an hour plus tips. Working less than XXXX hrs.wk. 
XXXX charges each {$9.00} to cash their payroll check. Check is drawn from XXXX account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.