23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX18, my card was charged in the amount of {$100.00} by the XXXX XXXX XXXX In XXXX XXXXXXXX, Oklahoma. 

On a bill that I opened in XXXX, I became aware of this charge and reached out to CITIBANK GOVERNMENT CARD SERVICES on XX/XX/XXXX18 to inform them that I had not made this charge and never booked travel in XXXX XXXX, Oklahoma. I was sent an AFADAVIT to my government email, which is password protected and transmitted electronically using their XXXX form. I completed the AFADAVIT and returned it on XX/XX/XXXX. 

OnXX/XX/XXXX, I contacted CITI to get a status of my dispute, as my card was reported as delinquent. I also contact the XXXX XXXX XXXX accounting department, and they were unable to locate any information referencing my credit card number or a booking for that night. 

I was told that my AFFIDAVIT was never received. I resent my AFFIDAVIT via fax and email. 

On XX/XX/XXXX, I received an email confirmation that my AFFIDAVIT was received. 

On XX/XX/XXXX, my account was closed and suspended, and I incurred a XXXX late fee. 

I reached out to CITI on XX/XX/XXXX and was told that there were no record of the affidavit and that I need to reach out to the government travel office in order to get a refund. I contacted the government travel office who reported having no record of that hotel booking.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have created an account with Robenhood trading system to invest some cash into the stock market. And I transferred $ XXXX into the Robenhood account trading for the first time I spected to lose or make profit but I expected a fair investment but one day I seem a stock call XXXX XXXX XXXXXXXX XXXX seems to be increasing in value I decided to purchase that stock. I purchased the stock and in less than 20 minutes the stock dropped down from scratch and I lost almost all of my money. I feel that it's like a scam someone playing the system to make people buy those stock to still the money from us. I contacted Robenhood and the reply from them was that they don't control the price of the stock that is why I'm seeking for help because not too long after that happens to me I've seen the new a young man was XXXX  due to something similar to my history.
Product: Money transfer, virtual currency, or money service

A fraudulent account was opened without my knowledge. The IRS received a 1099-c stating that they forgave {$3900.00}. 

I never had an account with them. I filed a fraud complaint with the IRS and IRS fraud division. 

The customer service with XXXX is almost non-existent. Numerous times re-explained the issue, back and forth emails with a confusing misunderstanding of the issue at hand. 

I sent in the IRS letter. They wanted my SS #, DOB, and DMV. Furnished but now have regrets as if I never had an account why would they need this information? 

Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, Transunion has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts. 
First, INACCURATE REPORT is my NAME and ACCOUNTS. My full name is spelled XXXX I XXXX and not XXXX XXXX as Transunion is reporting. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX they have on file of these accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. The INACCURATE report MUST be DELETED together with the UNVERIFIED ACCOUNT below : XXXX XXXX SERVICING XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. 
XXXX attached copies of my correspondence regarding this inaccurate reporting of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested loan payoff through credit union. The bank incorrectly processed payoff and closing request and reported a missed payment instead. My credit score dropped 74 points on XX/XX/21 as a result of the incorrectly reported missed payment. I opened a dispute and the dispute was found in my favor. The report was corrected but my credit score remained the same. I would like my SCORE to be adjusted to reflect on time payments and that the account was closed in good standing. This is resulting in unnecessary undue hardships on myself and possibly monetary loss as a result of interest rates that are not as favorable due to a low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix the charge off and account balance on my credit report I have requested validation as well as prove to the original contract and have not received any information all it states its updated I will like the account to be validate and the original contract I have asked if it couldnt be validate to please remove and for the last 6 months I havent received original contract car was total insurance company paid balance off
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App. ( Block Inc. ) due to inadequate customer service an unfair practices, which violated Customer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account Name Credit Collection Services Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the reports are false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have Experian be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX   removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Debt collection

Credi Collection Serv is trying to collect XXXX that I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about a fraudulent dismissed bankruptcy on my credit report. They are the sole reporter of it and when I contacted the origination court they do not have a record of it. I never filed for bankruptcy, I have no history of bankruptcy and transunion will not verify this outside of the flawed  XXXX  system that spits it onto the page as verified.
Product: Debt collection

My complaint has been in courr for years now. My credit is unrwstorable because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from I.C. System Inc for an XXXX XXXX account. This account was opened by someone else using my SSN. I have never lived at the address they have on file nor the city. I have called them several times and also XXXX to clear this up. XXXX said they do not have an account under my name. IC Systems wont give me any info since I can not provide account information and wont remove the collection account from my credit report. I have opened 3 disputes with XXXX over this collection account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I rarely use my Cashapp except sending family money. I only used my Cashapp card like 7 times since getting the card a few months ago. I never had an issue with Cashapp since I was a customer dating back to like XXXX. The last time I sent money was to my niece ( # XXXX ) for {$40.00} on Tuesday XX/XX/XXXX. I signed out of Cashapp after that. I logged in today XX/XX/XXXX because my niece needed {$20.00} for gas to get to work. That's when I noticed that my account showed as {$0.00}. I thought that was weird. I looked at the activity and it shows somebody by the user of $ XXXX sent themselves all my money via from my Cashapp debit card for {$210.00} on Wed XX/XX/XXXX. The last time that I used my card was XX/XX/XXXX at XXXX for {$13.00}. I haven't left my house in 2 weeks and my card stays in my backpack. The only other person here is my mom and she don't know how to log into anything and is not good at using technology. So, with any activity that happens on my account, I get instantly notified. When this happened I did not get notified anywhere like I usually do via text and email. This got me believing that this has to be an inside job with Cashapp employees or hired hacker. How was they able to get through XXXX and XXXX XXXX. They got through my account password, my pin and cash pin, my finger print, notifications via email & text, and the supposed Secure lock? Not only that it shows {$0.00} spent in the month of XXXX on the activity log for my Cashapp card. Is the company 's security that weak? Since it's happening with so many people it seems like their aren't properly protecting peoples information and it's indeed not secured. I got with customer service demanding answers and my money back. All they kept doing was transferring me to different agents with all of them saying that they couldn't do anything and that they will need to get it to a specialty team. They could not give me a eta on when this will get resolved other than a reference # XXXX.
Product: Credit reporting or other personal consumer reports

Per *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in XXXX day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies TransUnion, XXXX, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. TransUnion and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also TransUnion, XXXX, and XXXX  state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Product: Debt collection

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit report, I noticed that there are instances of late payments, and I would like to provide some context and request your assistance in rectifying this matter XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2019 i signed a contract with Lowe 's Home Improvement store in XXXX, GA to install a new roof. I was given the option of using 0 % APR for 24 months which is what i opted for as opposed to charging it to a different card and getting points. I pay off my credit card balances in full every month unless i have 0 % and sometimes even then. My wife told me that a couple of days ago that our Lowe 's balance had increased on her credit report even though we have not charged anything since the roof to keep things simple. I looked up our account and saw interest charge of about {$790.00} which shocked me. I called Lowe 's credit card company which is Synchrony bank last Saturday and i was told that the promotional rate was entered for only 6 months and that I had to get the store to call in and change it to 24 months. I called the store same day and spoke to the store manager who told me i had to call back Monday and speak to XXXX. The sales person we dealt with has left the company. I called yesterday and spoke to XXXX who told me he would get our files and call me back by same day or this morning. Never called back. My wife keep excellent record of everything we buy in separate folders and there was not any finance paperwork in the folder. We need your help to clear this up and get the 24 months as promised to us by Lowe 's. 
contact person at Lowes is XXXX and his cell number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXXdischarged Reference XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.