23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX, 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: Money transfer, virtual currency, or money service

I was scammed by a person online for several transactions that total {$6200.00} through Cashapp in XXXX and XXXX of XXXX. Cashapp ruled in my favor that these were fraudulent and on XX/XX/XXXX and promised to refund them on XX/XX/XXXX. ( I have attached the communication from cashapp disputes promising the money within XXXX business days credited back to my ( Now Closed, yet the checking account is still open ) debit card ending in XXXX. The money never showed. I reached out to cashapp support via email phone and chat. I have provided files that show these interactions. The only answer I get from Cashapp support is that cashapp shows that they refunded me the money on their end. I never get a different answer or another way to get the money refunded back to me. They only say that they refunded me and hang up on me or stop communicating. XXXX email, they no longer communicate with me. I asked for them to send a check instead and they do not answer me. I am being ignored. I reached out to my bank ( XXXX ) and they escalated the issue and researched. They found no pending refunds of any kind posted to any of my cards ( Active and Inactive ) or accounts. They said no attempt to refund me was made by Cashapp at all. ( I have provided a letter from XXXX stating such. Cashapp refuses to attempt the refund again or get me my money in another way. I was advised to inform cashapp of what XXXX found and XXXX bank advised me to come to this site to try and get my refund from cashapp. 

Cashapp denied my complaint with lies. My bank provided proof that they did not receive any refund yet cash app came back from a previous dispute saying they refunded me without proof.
Product: Consumer Loan

I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of dispute on XX/XX/XXXX and have not received an investigation. I am deeply concerned about the inaccuracies of these items on my report. I have tried calling for resolution but to no avail. Some of the items reported are inaccurate and others are invalid. Requests for validation are not being honored but I get canned responses like " we have a responsibility to report accurate information ''. I am aware of that and I am telling you these are not accurate. Please remove them as soon as possible as it is hindering me from qualifying for a mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> did not review my disputed accounts
Product: Credit reporting or other personal consumer reports

XXXX and Experian credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. 
The FTC states Date of first delicacy ( DOFD ) are to be removed from your credit report within 7 years from XXXX. MO revised Statue collection dates has expired. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 

XXXX XXXX XXXX using the Date of Last activity XXXX XXXX when they were XXXX from my chapter XXXX ) to keep account on my credit report not Date of First Delinquency to remove it. 
This is causing XXXX harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter on ( XX/XX/2024 ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX  Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Reported as inaccuracy did not complete transaction XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Discharged Reference Number XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXXXXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX  XXXX XXXX On XXXX XXXX XXXX XXXX  XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

Fair Collections is Closed/Charge Off Account and Comments Say XXXX and XXXX Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... XXXX XX/XX/XXXX... TransUnion XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX XXXX XXXX Is A Closed Account On TransUnion and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute two items with Transunion, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX back in XXXX which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX XXXX. XXXX continuously reported the loans late on my credit even though they never were.
Product: Credit reporting or other personal consumer reports

COMENITYBANK/VICTORI Account type - Charge Account Date opened - XXXX XXXX, XXXX  Address COMENITYBANK/VICTORI XXXX XXXX XXXX XXXX, OH XXXX XXXX Account created under COMENITYBANK/VICTORI without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Checking or savings account

I rarely use this account and it seems that due to that fact, Key Bank feels that they can charge and continue to charge my account for overdraft fees. I was charged an overdraft fee due to the fact that I made a direct withdrawal for my credit card payment, but because the account went into a negative balance because of how Key Bank rearranged my account transactions, I incurred a {$33.00} overdraft item charge. I was informed by their supervisor on XX/XX/22 that this would be the only way that I would incur overdraft charges. This being due to my not opting into overdraft protection since the account was opened. However, upon checking my account just the next day Key Bank did the same thing again. Yet, this time they rearranged the posting transactions in my account so that I would be charged XXXX overdraft fees, one of which they refunded as they knew it was their error because I wasn't opted into overdraft protection and therefore should have never been charged these fees in the first place. So, I have now incurred {$77.00} in overdraft fees that should have never been charged to my account due to my opting out of overdraft protection.
Product: Credit card

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX and XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.robinhood.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX and XXXX. Based upon the understanding that www.robinhood.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to XXXX XXXX XXXX XXXX Unfortunately, as of the date of this complaint, www.robinhood.com refused to provide the requested information upon our justified request. By refusing my request, www.robinhood.com failed to provide the required information about the XXXX  hosting the beneficiary wallets, which I have made a series of transactions, www.robinhood.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.robinhood.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit card

-Contacted XXXX XXXX about an order on XX/XX/2023 that was delivered by XXXX  but was sent a picture of it delivered to another doorstep clearly not my address. Order was for {$190.00} XXXXUpon contacting XXXX XXXX, they reccomended I contact American Express to dispute it so that I can get my money back -Provided Amex all documentation, but they keep telling me that it was delivered and they can't use the picture that it was delivered to some random doorstep as proof (??? ). 

Amex account # / Reference # : Account Ending In XXXX Reference Number : XXXX
Product: Credit card

I have been a member with American Express for their Delta SkyMiles Amex XXXX  credit card since XX/XX/2018. It has annual fee and every year at renewal, a companion certificate is issued for a Delta flight. 

In XXXX, I decided to downgrade my card to a free version as I did not feel it was worth paying the annual fee after changes to Delta 's rewards program. I received a letter in the mail saying that I had until a date in XXXX to reverse the product change. 

Before that date in XXXX, I called customer service and requested reversal of the product change. I asked to confirm if the reversal would truly reverse the change and make it as if I never changed products. The agent told me yes, confirming what was written on the letter. 

The issued the XXXX card again, but will not issue the renewal companion. They claim that I am not eligible because of the product change. I've tried explaining the the letter said I could reverse the change, but they say it doesn't matter. I've asked them to reissue the letter that was sent in XXXX for me to reverify, they are refusing to resend. They will only send me the credit card terms in conditions, as this supports their position. 

I believe they are wrongfully withholding a credit card benefit from me that I should be entitled to. I paid my annual membership fee, which should count as a renewal since I've been a member since 2018. I believe based on what I discussed with them with the written notice I received, they should either issue me with the companion certificate or waive my annual for this year. 

Unfortunately, the written notice they provided me has been misplaced so I can not provide. They do not provide a digital version of the notice, and they will not reproduce the letter.
Product: Debt collection

Barclay Bank of Delaware is reporting a debt of {$2200.00} on my XXXX Credit report. In my past CFPB dispute I was advised by Barclay that this was a valid debt and in speaking with the office of the president staff member XXXX XXXX, he was able to hear on a phone call where the Barclay staff member had formally told be incorrectly that the a XXXX had been issued and the debt was cancelled, which is what I have always been told. Two days ago XXXX XXXX told be to contact XXXX XXXX XXXX to settle the account as they were now the one 's handling it. The phone number he provided no longer worked so I called him back to let me know. Today he said Barclay was actually recalling the debt and I could work with them, no explanation was provided for the recall. He provided the phone number XXXX ext XXXX to address the balance. After finally reaching someone at this phone number ( XXXX -Employee ID XXXX ) she stated that she can see that XXXX had the account and Barclay issued a recall but stated there is no way at all for her to collect payment on this account. How can I be responsible for all their errors, in addition to the fact that they are reporting a balance but won't accept payment!
Product: Payday loan, title loan, or personal loan

XXXX XXXX, My name is XXXX XXXX XXXX. Please contact me via this email and by phone at XXXX I was working with a vendor and she connected me with a finance company to finance a product that she wanted to sell to me under false pretenses. I was unaware that I was signing up for a loan and she assured me that I was not signing up for a loan and that the product was returnable within 90 days. Upon speaking to the customer service representatives at Belmont Finance LLC I spoke to a representative named XXXX I asked XXXX if it was possible for the loan to be canceled and why was not offered a deferment he advised it was due to my credit and that if the vendor wanted to she had the ability to cancel the loan. I reached out to the vendor to relay this information to her and she proceeded to contact my finance company figure out exactly who I was talking to which was XXXX XXXX and he gave her information regarding my credit why was an offer the deferment and basically what we talked about. The winner text me stating that XXXX XXXX allowed her to listen to our recorded conversation And gave details about our conversation as well. The vendors name is XXXX XXXX of XXXX XXXX XXXX XXXX in XXXX North Carolina. XXXX should not have been able to contact my finance company figure out who I was talking to you or we told who I was talking to you as far as the representative get information regarding our conversation my credit and listen to our record a conversation which she admitted to doing so via text with. I have attached a copy of the screenshot showing her phone number and a text. The finance company has confirmed that a conversation between XXXX and XXXX did take place regarding this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I do not recognize these accounts. This is purely identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Place XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1984 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX CO XXXX {$12000.00} XXXX XXXX XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof