23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and the bureaus did not removed as I asked.i am providing the identity theft report and l will attach to this. and please removed the inaccurate that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma originally had issues processing my legal name change from a XXXX XXXX to XXXX XXXX. Now that issue is fixed they cant open the car we it karma spend or save accounts because their system still has the social linked to the old name and now XXXX cant open the accounts I need.
Product: Debt collection

I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Credit Collection Service for a fraudulent account for {$320.00} from XXXX XXXX. The account is fraudulent, unauthorized, not my account and is the result of identity theft. Credit Collection Service is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

ACCT #   XXXX     XXXX   XXXX   First of all this account is not paid, I did not find an option regarding my problem on this consumer protection, First of all My name is   XXXX   XXXX   I went to the ER at   XXXX   XXXX   on  XX/XX/XXXX  I handed them my   XXXX   card and obviously they did n't bill to   XXXX   like they should have, I called  XXXX  to the billing department they told me that my bill was sent to collections after I had already sent by fax and email on  XX/XX/XXXX  at   XXXX   XXXX  . a letter stating that I had  XXXX  at that time and that I keep receiving bills even with this email I never got a response from them at all by email or at my residence regarding my dispute I was just being ignored, so then they sent my bill to   XXXX   XXXX   XXXX   original creditor, when I received a collection letter from them, I also sent them a proof of my   XXXX   card and waited for their response, after a couple of more months I received a collection letter from a current creditor PENDRICK CAPITAL PARTNERS II   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX  IL   XXXX      XXXX   XXXX     XXXX   I also sent them a notice on  XX/XX/XXXX  at   XXXX   XXXX  . to stop harassing me and to bill   XXXX   since I had  XXXX  at the time of service and I am still on collections.
This is a HIPPA violation I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party, and I have been trying to resolve this matter from point A (   XXXX   XXXX   XXXX   BILLING DEPARTMENT ) To POINT B AND C -- - with all this collectors.
Please help   XXXX   XXXX   DATE OF SERVICE  XX/XX/XXXX  CLIENT ACCOUNT # that Pendrick Capital Partners II Has on my account is  XXXX  Identification No :  XXXX  Amount Owed {$1900.00} Settlement Amount {$1200.00} My   XXXX   Member Id number is :   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   PLAN ISSUER ID :  XXXX  I also contacted   XXXX   XXXX   XXXX  , and I got advised to contact your department and also to contact the federal Consumer Financial Protection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to validate this inquiries on my consumer report that I do not recognize on XX/XX/XXXX. 
XXXX ( cfpb case number ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. 

Its been more than 30 days please delete this inquiries that are not mine from my consumer report.
Product: Credit reporting or other personal consumer reports

An account was opened in my name without my permission at the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone number XXXX. I live in XXXX, PA. The opening date was XX/XX/XXXX. It resulted in a hard inquiry/credit check on my account. The account was finally closed and they reported it as a fraudulent event on XX/XX/XXXX and said they would contact Transunion directly to have it removed from my report. No action was taken, and since that date of XX/XX/XXXX I have called the above number 8 times and left my contact number for someone to call back and no one has reached out. There is never a manager or another option present. They are a horrible company, I just want this resolved.
Product: Credit reporting or other personal consumer reports

this account was open without my knowledge. this is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter of to the consumer reporting agencies XXXX XXXX and TransUnion to remove address from my personal information and that I am a victim of identity theft back in XXXX of 2023 According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

On XXXX XXXX I opened a dispute with Bank of America on a payment I made online with my checking XXXX XXXX, XXXX to the Ma XXXX XXXX XXXX my payment of {$320.00} for dental insure was to be made by XXXX XXXX, XXXX. For some reason the XXXX XXXX had been cancelled on XXXX, XXXX and the customer service dept XXXX was unable to fix it. I told the XXXX XXXX that I needed a refund if my insurance was cancelled and my payment was for XXXX and XXXX they said to file a dispute with my bank. Which I did on XXXX XXXX Bank Of America gave me a refund of {$320.00}. They said an Affidavit would be mailed to me in the next week and that I needed to fill it out and send it back which I did the first week of XXXX to XXXX. O XXXX XXXX I had a message on my phone saying they had not received my paper work yet. I called the claims department at XXXX pm I was on the phone with a lady in claims she said it would be best to have her fax the page to me and for me to fill it out again and fax it back which I did to XXXX I used my access line with XXXX I had a copy of the fax and it says received.I was told the claim was all set as long as the merchant did not dispute my claim which they did not they had given me a reference number XXXX that would pull up the credit. On XXXX XXXX I got an email notification that my account was over drawn by {$400.00}. I thought we were victims of fraud but I was told that they took back my credit of {$320.00} because I did not send back the affidavit which I had done over a month ago. XXXX in the Claims department was rude told me too bad its done and that they do Not ever reopen an investigation that it was my fault?? I told him I had proof and could sent them the fax report he kept arguing with me I demand a Manger and was transferred to XXXX he asked me to fax the affidavit to him directly at XXXX which I did as soon as he re faxed the paper to me. XXXX told me to call back Wednesday XXXX XXXX. I did at the number he gave of XXXX turns out to be a general number for the claims department. I spoke to a XXXX and she said they ca n't help because I have still not faxed the affidavit back? I told her the number XXXX gave me and she said that it was wrong had no idea where he got that she said to fax it to XXXX which I did. Meanwhile that bank has returned XXXX automatic payments from my account and bounced 11 items from XXXX XXXX. It 's XXXX am and I have spoke to two supposedly mangers at B Of A claims and they are claiming that I have not faxed them yet and when they received my fax it will take them two days to look at it i the meantime they said I will continue to have bounced fees. XXXX in XXXX said she is just an account Manger and unable to assist me.
Product: Checking or savings account

On XX/XX/XXXX I called US Bank collection department. I advised the agent I had been referred to XXXX by US Bank and needed to determine the amount owed to get the account removed from the system. I was advised roughly {$1900.00}. I was advised to visit the branch to determine next steps to getting the old account ( s ) removed so I would be eligible to open a traditional checking account. I visited the XXXX branch of US Bank that day, however, when I requested to speak to a branch manager I was asked to, and agreed to, make an appt. for Tuesday, XX/XX/XXXX. I later canceled that appt. I visited the branch on XX/XX/XXXX and again told the teller I needed to resolve an old account that had been referred to XXXX. The teller called the collection department and was advised approximately {$2400.00} to get the accounts ( checking/savings/cash advance ) removed from XXXX. The branch manager, XXXX, came by and confirmed the payment would remove the accounts from the system so I could open a new account. I left the bank and returned with the cash to pay the debt. I scheduled an appointment for XX/XX/XXXX for the manager to confirm the accounts had been removed and to discuss opening a new account. 
I believe US Bank misrepresented the status of these accounts and was deceptive in their collection. I stated multiple times, to several employees, that the whole purpose of my contacting them was to remove these accounts from XXXX. The answer to my request should have been " we are not able to fulfill your request because there are no US Bank accounts of yours in XXXX to be removed. ''
Product: Credit card

hello to whom it may concern. 
My husband brought our wedding ring XX/XX/XXXX at Jared of Jewelry for {$7700.00}. He made autopayment of {$220.00} every month. In XX/XX/XXXX I saw a balance of XXXX that we should be pay off by XX/XX/XXXX. Here where my problem starts. On XX/XX/XXXX, I went back to Jared to buy a nickel for my husband birthday ; It's cost {$1600.00}. He does not like it, XX/XX/XXXX, I returned it. In XXXX my husband saw the payment increase of XXXX dollars. He asks me why the payment increase, and the total balance now is double. I said I don't know. I went to Jared to ask why. The lady that I saw find out that I brought a Neckles. I said no I returned it in the next day. She calls Comenity bank to clarified. when the bills come for the next month. The bills say XXXX. I keep call Comenity bank every month to discuss that ; they never fix my bill. They want me to pay that amount which i do not have. I only brought one product ; in the bill I have two different due date to finish pay. Now in the bill, they put pay XXXX by XX/XX/XXXX. They change the bill without buy nothing more. They refuse to fix it. Please to who is going to read my complain, i am ready to pay {$1500.00} off for me can be done with this company. please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX # XXXX {$10000.00} fraudulant charges i asked XXXX, equifax, XXXX to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act XXXX XXXX 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 instuctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by EQUIFAX , INC . I've tried countless times in the private via certified mail to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with XXXX, Transunion, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, ca XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX ), I do not have a contract with CREDIT COLLECTION SERVICES, They did not provide me with the original contract as I requested. CREDIT COLLECTION SERVICES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until CREDIT COLLECTION SERVICES proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EXPERIAN XXXX XXXX, OR XXXX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit card or prepaid card

Purchased a computer from XXXX ( web store ) based on an advertised interest rate of 0 % if paid in full within one year. Financing by Goldman Sachs Bank, USA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ). Purchase made on XX/XX/XXXX, in the amount of {$2500.00}. Payments totaling {$2500.00} made between XX/XX/XXXX and XX/XX/XXXX. Despite this, Goldman Sachs Bank charged interest on the account balance every month, starting in XX/XX/XXXX. To date, they have changed {$98.00}, including interest after payment in full for the purchase was completed on XX/XX/XXXX. I have called them four times, most recently on XX/XX/XXXX ( XXXX ), and written them five times. No response to my letters, except to acknowledge receipt of two of them, together with promises during each phone call that a " Supervisor '' would call within 48 hours to resolve the issue. No call ever received, nor any explanation provided. Most recently, I received a letter dated XX/XX/XXXX stating that they charge interest because I have an outstanding balance of prior interest. This is not the terms made at the time of purchase, which they have never addressed. Currently they have posted three negative reports with the credit bureaus against me.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices

, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : 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 loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep receiving emails from Halsted Financial services stating I own money from a XXXX XXXX XXXX account. I never had a XXXX XXXX XXXX account and I checked my credit report and XXXX XXXX is not listed on any of my reports. This company is a scam. If you XXXX them and look at the XXXX, you will see this is happening to other people as well. I can only imagine how many people they scammed into paying something they don't own. Hopefully you will look into this.
Product: Money transfer, virtual currency, or money service

I made a wire transfer with Chase bank to send money to a business asscoiate in XXXX. The important business asociate never received the funds. After three call and over a week of waiting while the customer continued to check for the funds availability. I cancel the wire transfer and requested a refund. I was told chase would try to get my funds back. 
This is totalt unreasonable and I have been waiting eight days and am now not getting any answers from Chase. 
Chase never was able to make the funds available to the business associate. I requested on many occasion any form or verification that the funds were available. They never were! 
Chase after many days never completed the wire transfer and this was confirmed by my business asociate and his bank and now they are making excuses and not replacing my funds causing problems for my business. 
XXXX XXXX XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

For the past two years, I have been disputing incorrect information on my credit report concerning Affirm. I bought doors from XXXX and they were financed through Affirm, but I had to return them because they were the wrong size. I remember speaking to a representative who told me to wait for a credit to be applied to my XXXX credit card for the return of the doors. Despite this, I never received any statement or other correspondence from Affirm regarding the amount that was due. It was only when I checked my credit report that I saw the negative reporting from the bureau. I don't think I should be held responsible for this, as Affirm should have sent me a statement about the payments due. I have been asking for these items to be removed from my report for some time now, and I feel this is the only fair thing to do. You can see from the attached invoice that there is a credit, as the funds were transferred in XXXX and XX/XX/2021 for the return of the doors, but my report is showing XXXX and XX/XX/2021 as late. If I had any money owed to Affirm, they never sent me a statement. 

Thanks XXXX According to CFPB it's noted : Note : Under the Financial Protection Bureau : Statement required. The creditor shall mail or deliver a periodic statement as required by XXXX for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law.
Product: Credit card or prepaid card

Chase bank charges interest on interest. Every other credit card I have ever had, if you pay off your total balance by the payment date your balance remains XXXX until you charge something else. When you pay off the balance due on Chase, they send you a bill the next month for interest. You pay that off and the next month you get a bill for interest on interest. This will continue if you do not pay the new interest charges the day they hit. I dont think this is legal. This is the second time this has happened to me with Chase. I have closed the account and will never bank with them again. They are criminals.