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

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do nonrelated to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX FACTORS SHOW OLDEST ACCOUNT XXXX YEARS OLD & AVERAGE ACCOUNT JUST XXXX YEARS OLD I DISPUTED THIS INFO SHOWING I HAVE MANY ( AT LEAST XXXX ) ACCOUNTS BEEN OPEN ( CLOSED/PAID NOW ) FOR 7 YEARS OR BETTER ALSO MY OLDER ACCOUNTS ( PAID ) PAYMENT HISTORY DOESNT REFLECT ACCURATELT FOR OLDER TIMEFRAME
Product: Checking or savings account

In XX/XX/XXXX I decided to close my certificate of deposit as well as my savings account at PNC Bank. They told me that they would send me 2 checks, one with my deposit certificate balance of XXXX USD and another with the savings account balance for XXXX USD. In the month of XX/XX/XXXX I received the check for XXXX USD and I never received the check for my certificate of deposit. 
In the month of XX/XX/XXXX, XXXX XXXX contacted me to tell me that my check was stolen and that they would open an investigation and return my money, the case is XXXX. I have spoken for 10 months with different people and no one gives a XXXX. a solution, the last contact was on XX/XX/XXXX with XXXX XXXX Executive Client Relations which told me that it would contact me and it has not happened. I demand my money back.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report there were multiple accounts that were incorrect. 
On the date XX/XX/XXXXXXXX  a XXXX XXXX XXXX was opened and it has a total balance of {$9200.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$7400.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$1400.00}. On the date XX/XX/XXXX a XXXX XXXX was opened with a total balance of {$2000.00}. To conclude, On the date XX/XX/XXXX a XXXX XXXX was opened with a balance of {$2200.00}. I have received multiple calls from debt collectors of debt that i don't recognize. There were also Inquiries on my report that i never initiated. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB and received a response on XX/XX/year> COMPLAINT XXXX related to Fox Collection XXXX. I requested detailed documents describing the alleged services and products received, the charge for each, and the dates allegedly received. I also requested detailed report of any insurance claims filed related to this charge. They made a false statement declaring that I responded with a validation of the debt and claiming that I stated that the debts were owed. I received the encrypted message but could not open it and could not get a verification email to allow me to. If they are declaring they received validation of this debt they must provide proof. I have requested this from Fox Collections along with another method of delivery for the document they provided. The fact they they made false statements should deem this debt not valid. I believe that when providing facts that the party agrees with the CFPB everything to be true. The blatantly lied. I have not yet received any document that I requested from them validating debt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX  OF XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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
Product: Debt collection

There is a lot of odd things going on within this company. 
1. I was sued by them in 2021 but afterwards never heard a thing. Technically I never heard a thing about the lawsuit either and didn't know I could do anything about that in court.

2. After they won I didn't hear anything. They don't do anything. No movement nothing with it.

3. I've called them twice now trying to work out a deal and every time I've been hung up on rudely. I emailed them on their email and also don't get a response. 
This is just such terrible behavior and they have all the power here while I have none because they have a garnishment.
Product: Credit card or prepaid card

I have auto pay with my Capital One Quicksilver account, and it makes automatic payments for me. I dont use the card very often, so my statements are usually very low. 
My XXXX XXXX XXXX account was hacked, so they changed my bank account, and for that reason the autopay with my Quicksilver card didnt go through. 
Capital One charged me a {$25.00} fee for that, so I called them to have the fee reversed. They reversed the fee, and I paid my remaining statement, which was ONLY {$39.00}! Then, this month, Capital One charged me an another {$40.00} fee! They said that I should have made the full payment of the statement, even with the fee they reversed! I called multiple times, and no one is willing to reverse this nonsense! The greed of those people is unbelievable! 
I canceled the card, and will refused to pay for that fee. I want to make my complain here, and will proceed with a legal suit to Capital One if they harass me to pay for this fee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor violated my rights under 15 usc 1681section 6 o 2 states, I have the right to privacy 15 usc 1681 section 6 0 4 a section 2 it also states a consumer reporting angency can not furnish an account without my written instructions. Under 15 uscs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX, my Chase business card had fraudulent payments made on it in the amounts of : {$9300.00} and {$4800.00}. Both of these amounts were refunded by Chase to whoever made the payments. On XX/XX/XXXX, Chase then refunded again {$4800.00} to the scammer as a credit balance refund. On XX/XX/XXXX, the scammer made payments of {$13000.00} and {$3000.00}, both of which were returned. 

I received a letter in the mail shortly thereafter informing me that my auto-payments of {$94.00} did not go through and I was being assessed a late fee of {$40.00}. 
Upon checking my credit account my balance went from {$9300.00} to {$14000.00}. I discovered the fraudulent payments and returns and contacted Chase by phone immediately. 
After being on hold for upward of XXXX minutes and tossed between different departments, the chase representative told me that this is a new scam and that the investigation will go to the fraud department and they will fix my balance removing the {$4800.00} and that it may take several weeks. Also to change all of my passwords and set up a verbal code when calling in to chase. The scammer changed the phone and email on my account to their own so they could receive correspondence. Chase fixed both the email and phone number while I was on the call with them, A few weeks later I checked back again because my balance did not change except for the minimum auto-payments I was making. Again, Chase put me through several different departments and told me that fraud would take care of it and I would be receiving a letter in the mail. 

I called back at the end of XXXX and was told the same-fraud dept would take care of it, I will be getting my balance back to normal in XXXX business days. 

At the end of XXXX after checking and still no resolution to my account, I called again. This time the representative told me that I would be receiving a check in the mail for the amount of {$4800.00}. Once received I can deposit it and pay off the fraudulent activity on the card. He also said that this should not have happened in the first place, that Chase should have flagged the fraudulent payments from the beginning. 
XXXX weeks later I received a letter stating that an electronic transfer of {$4800.00} was sent to a bank account not belonging to me, XXXX that belongs to the scammer that started this whole mess. 
I called Chase and they assured me everything was ok and that they were going to escalate it to a supervisor with fraud recovery, to hold off on calling because they will be sending a letter with their findings and to take care of the additional balance on my card. 
I never received any letter. 
Today XX/XX/XXXX I called Chase again and they told me that they are sending my case to the fraud department to investigate. 

Please help! I don't know what to do, I feel like I can not get this resolved. 

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

Hi, Reached out to Apple about my apple card not paying off the balance via the XXXX XXXX. It was not working for the entire time I had the balance on the card, and still will not work to this day. My phone records show I reached out to Apple to discuss a way to make the wallet work, but they could not fix the issue. This resulted in 2 late payments. From the apple card app on the phone presented was no other way to pay the card off. This resulted in confusion and lack of a process to escalate the issue. I have followed up with the bank associated with the card and have started twice a process to get the late payments removed from my account and they have not followed up with me on their final decision, nor have they provided any documentation to me.

ThanksXXXX XXXX
Product: Debt collection

In XXXX of XXXX XXXX XXXX flagged my credit with a medical debt from a hospital Ive never attended or heard of. I disputed the bill as fraud and contacted the collection agency. After about 2 months or less the debt was removed and i assumed removed as fraud. I filled a fraud complaint with the FTC and reported the issue to the police department. In XXXX of XXXX the debt was reported back on my credit credit through a company called XXXX. Ive reached out to XXXX about the debt however no one answered or returned my phone call. Ive disputed the debt several time this year, i also filled another claim with the FTC and the police. However the issue still isnt resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate customer service and unfair practices which violates the consumers financial protection act. Specifically cash app fee ail to take timely and effective measures to prevent and address fraud on the platform, leaving my platform vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement under the electronic fund transfer act and regulations E. These action have cause significant inconvenience and financial loss and I seek redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX 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 XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the Payment history. A charged off account should NOT include an active payment history. This inaccurate information fasley manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sir - The debt was originally with XXXX Hosptial which I was paying off in installments and reduced to {$1000.00} in XX/XX/2018. Then without mentioning to me, the debt was transferred to Frost Arnett ( account XXXX ) on XX/XX/2018. However on XX/XX/2018, I paid XXXX Hospital {$200.00}. The letter from Frost Arnett arrived on XX/XX/XXXX When I got the letter I called Frost Arnett immediately and informed them that my debt was only {$800.00}. The person said that they would check about the payment of {$200.00} to XXXX and never called back which he said they would do. I called XXXX also I filled a complaint already with Frost Arnett asking them - why dont you verify the {$200.00} which I paid and reduce my debt by {$200.00}? No Answer. Lastly I said that I would file with FTC and XXXX if I didnt hear by XX/XX/XXXX which I am now doing. I even paid Frost Arnett {$400.00} but I will go further until I hear that my {$200.00} direct payment to XXXX has been credited I have uploaded and shown Frost Arnett the  echeck of XXXX XXXX XXXX cashed by XXXX on XX/XX/XXXX to no avail - why dont FA call or write XXXX about the {$200.00} which I wont pay twice XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX ************ {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer reporting agency if 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

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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: Checking or savings account

Im filing this complaint because on XX/XX/2023 I deposited a check in my account, the XXXX check was a refund on my security deposit from my rental company. After waiting several days the check finally cleared, and on XX/XX/2023 I went inside of a local Bank of America branch ti access my money. Upon doing so i was immediately met with skepticism and a bunch of question, being a XXXX male I personally feel like I was stereotyped and ultimately was told Id have to stand by as the teller verified my check deposit from days prior. After waiting over 30 minutes the teller finally arrives and tells me the check couldnt be verified, I dont understand how that could be as although my rental company had a history of long hold times someone always answers the phone, so once again I think this was more personal then business. Moving forward I leave the bank upset that I couldnt access the money I waited so long for, however that wasnt even the worst part, I soon found out my whole account had been frozen, with no access to my money. I couldnt pay for food, the hotel I was staying at and ultimately ended up having to sleep in my car for a few days. The support lines were no help and only told me Id have to wait as my account was under review. It is now XX/XX/XXXX and I still have no access to my money, bills are piling and Im running out of excuses to tell my creditors. Im very disappointed in Bank of America and once this is resolved will be swiftly changing banks.