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

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : COLLECTIONS ACCOUNT : XXXX XXXX ORIGINAL CREDITOR : XXXX BALANCE : {$3300.00} REMARKS : Derogatory
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I closed my Best Buy account ( last week ) and destroyed the credit card. I still have a balance on the card. I'm in the process of consolidating debt and the bank giving me the loan has requested the full account number from Best Buy. I talked to multiple people through the Best Buy customer service number on XX/XX/year> and they all refused to give me my account number. I asked if there were any other options to obtain my account number they said no. I even spoke to a " supervisor '' and was given the same information.
Product: Credit reporting or other personal consumer reports

Im filing this report due to me sending multiple letters to have the report corrected the last letter I sent was to the reporting bureau TransUnion to remove the false reporting of an increased loan amount of my XXXX XXXX pledge loan account. They have not removed it. I also legally did not give them permission to put this inquiry on my credit report. This letter stated to remove the inquiry in 3 days for the illegal reporting ; the letter was received XX/XX/XXXX at XXXX pm and there has been no correspondence? This false reporting is hindering me from obtaining personal credit loans due to its inaccuracy. 


XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measure to prevent and address fraud on their platform, 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 loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX and XXXX to purchase furniture. I was late with making the payments and received a call from Admin Recovery with a settlement agreement which I took and have been paying faithfully since XXXX of XXXX  I am now receiving collection letters calls and bad reporting from XXXX and XXXX stating that they have not received payment since XX/XX/year>. They payments sent to XXXX XXXX are automatic every XXXX weeks. I have called about this situation 3 times to XXXX and XXXX Bank to update the records and correct it. Now my credit score has dropped again because they are reporting me as being delinquent when they should not be servicing the account any longer. They keep giving me the run around and sending me back to Admin Recovery who states I am in good standing with them. I pay XXXX twice a month. the settlement amount was XXXX which I have paid XXXX of so far and I am due to finish by next XXXX with the account. I am beyond frustrated because I am making the payments, and it is not fair that they keep reporting if they sold the account and refuse to update their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.
Product: Credit reporting, credit repair services, 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 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 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

This is my first 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, block 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, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please i need someone to help me here. I sent out my first dispute letter to Experian on XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my Experian report and they are listed bellow yet Experian or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing.
Product: Credit card or prepaid card

I purchased a Vanilla Visa gift card on XXXX XX/XX/XXXX at XXXX XXXX exchange for {$480.00}. I tried to use the card on XXXX XXXX and the card was decline. Upon further review, it was used twice at a XXXX in the XXXX area. One for {$220.00} and the other for {$250.00}. The card has been in my possession since purchase and I did not use the card. I contacted Vanilla gift card customer service on XXXX XX/XX/XXXX and filed a Dispute packet ( Ticket/Case : XXXX ). I was told it could take up to 90 days to investigate the dispute. I called to day and was told that investigation started on XXXX XXXX and can take up to 90 days to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized XXXX  XXXX XXXX to obtain my credit file, but what I do know is XXXX  XXXX XXXX has broken the law!
Product: Credit reporting or other personal consumer reports

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out. 

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of XXXX
Product: Credit card or prepaid card

While visiting the branch, I was offered a 0 % and XXXX fee credit card offer which I accepted - branch rep repeatedly told me that " clear value : card has no fees. 
However, upon receipt of the card I was refused XXXX fee part - and old attempts to convince otherwise have failed and my balance transfer still caused 4 % fee being charged. 
I am requesting review of this charge and refund as its existence was not disclosed during the application.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX
Product: Checking or savings account

Case XXXX When my CD closed I never got the check in the mail. 
I submitted an affidavit, and they were going to resend after XXXX  days, I was upset at the unreasonable delay, but I went with it. 

They Promised, many times, to send the new check XXXX. 
I called for the tracking number, and they said they sent it regular mail. 

What happens when I don't get my money again? 

Why is the bank allowed to steal my money with no recourse? 

I feel like my only option is to sue, maybe Capital one needs a lesson like XXXX
Product: Debt or credit management

We enrolled with Freedom Debt Relief to clean up our credit cards and loans. We were paying XXXX every 2 weeks and then we lost 2 of our incomes. Before we lost the 2 incomes, I had agreed to a settlement on one of the accounts. They paid only XXXX to them. There was a XXXX balance. After losing the two incomes, we had to drop out of the program. I went back and looked for that money and it went to them, the company. I have a ledger showing this and also a fee of XXXX each month when account was active. I was told to call if I wanted additional information. This morning I spoke to a rude woman there who told me they took the money as their fee although nothing was settled at all. She said I owed them XXXX but they took the XXXX and that was the way it was. I feel that the money we invested into this program should come back to us as not one bill was settled. They were taking out their fee every month and that XXXX. Was there to pay bills that never got paid. I'm sorry we couldn't go through with it, but we were XXXX  Less income. I just want to know if what they did was legal? And is there any way to get that money back?
Product: Checking or savings account

My debit cards were stolen along with my phone, I had the same PIN for both and because I have a long term illness which I take medication for I wrote the PIN down in my phone. Over {$800.00} was taken from me, they went to ATMs in parts of town I had never even been to. Of my two banks, XXXX reimbursed me for the {$130.00} taken from that account once I sent them the police report. My other bank, J.P. Morgan Chase Bank are refusing to reimburse me for the stolen funds, {$720.00} from that checking account. They say I authorized the transactions and their investigation was thorough and complete. I gave them all the evidence including the police report and answered their questions, I explained why I wrote the PIN down even though I thought they meant on paper, either way they said they are done and can not help me further. I feel I am a victim of a crime all over again and Chase are giving more protection to the people who stole from me. If they actually engaged with the merchants and looked at the security footage of these random ATMs they would see people stealing from me. I am so devastated by this huge financial knock. I dont feel secure and I no longer trust this bank. The claims team were horrible to deal with, they had awful attitudes and more or less blamed me for what has occurred and said I was making it up.
Product: Credit card or prepaid card

On XXXX Discover Card offered a zero percent interest rate on all purchases for 12 months. I've been a customer of Discover since 1996. I only use this card once a year to keep my account open, due to high interest rates. Upon receiving the promotional 0 % APR, I commensed to charge on the card. Over XXXX XXXX dollars were charge under the impression that it would be a 0 % APR. Upon receiving my next statement, the normal 11.99 % interest charge was still in place. I called to inquire and was told that in addition to activating the card, I had to call a different number ( not provided ) in order to activate the new interest rate. Discover was willing to activate the 0 % interest rate on any future charges, but the balance would still have 11.99 %. This is a deceptive practice and false advertising. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, Equifax, and XXXX. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.
Product: Debt collection

I HAVE HAD PAYMENT ARRANGEMENTS WITH THE COLLECTION COMPANY REGARDING THE MEDICAL BILL-BUT THE BALANCE DOES N'T SEEM TO BE GETTING SMALLER. AND I HAVE NOTICE THAT THEY ARE ADDING ACCOUNTS BALANCES TO THE ORIGINAL ACCOUNT. AND SOME OF THOSE ACCOUNTS ARE MY EX-WIFE ACCOUNTS. I BELIEVE THAT I HAVE PAID THE BALANCE OF MY ACCOUNT AND DO N'T OWE ANYMORE. BUT I CA N'T GET THE PAPERWORK FROM THIS COLLECTION COMPANY SHOWING WHICH ACCOUNTS ARE WHICH.
Product: Credit reporting or other personal consumer reports

Hard inquiries were made without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is " '' XXXX XXXX '' ''. For over a year, i have trying to reach out to get fixed all of the error information in my credit report. However, my affords seem like worthless and my problem still haven't even changed. I notice that all of the name and some of the addresses that exist in my credit report, have no relationship with me and our business. Here are the name and addresses that need to be removed off my credit account : *NAMES REPORTED _XXXX, XXXX, XXXX _XXXX, XXXX , XXXX ************************************************ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I had an American Express personal credit card. I actually had 3 of them. When I began having financial difficulty due to the economy in XXXX, I attempted to contact American Express and asked them to consolidate all three cards so that I might make one payment and it would not be so confusing to have 3 different due dates. They would not do this. As I fell further behind, two of the cards were repeatedly switched to many different collection agencies and it became hard to tell if the people calling were legitimate or not. The card with the highest balance seemed to remain with American Express, not a collection agency. I began trying to pay the other two cards but none of the agencies involved could tell me if the debt would be eliminated if I continued to pay or if I completed the " program ''. So, I stopped paying them. The card that seemed to remain with American Express was not offered to settle. In XXXX of XXXX, I received a call from an " attorney '' who said he represented American Express and wanted to know my situation. I spoke to him and he never offered to settle this debt. Just now, on XX/XX/XXXX, I was " served '' at my door with a lawsuit regarding this card. I question who filed this case and the validity of it because it says the plaintiff is " American Express National Bank ''. Everything I have read says this entity is the branch of American Express that handles their personal savings accounts, not credit cards. I also question this due to the fact that this debt is older and that I have received many seemingly fraudulent sounding phone calls from unverifiable sources and have had someone who said they were American Express debit my checking account for {$270.00} after I specifically called for a cease and desist on any and all payments and collections until verified. Please help me determine if this lawsuit is real or fake. I need to know how to respond and do not want to go through this if it is the actions of an unscrupulous attorney or no attorney at all. In my county, there have been attorneys and/or groups of people who have banded together and pursue collections thinking no one will ever try to verify anything and they will just pay even if time frames have passed and even if credit card companies do not know they are collecting on their behalf. Please help.
Product: Debt collection

IN XXXX XXXX I PURCHASED A SECTIONAL ,65 INCH TV WITH SOUND BAR AND TV STAND BECAUSE OF FINANCIAL ISSUES I DECIDED TO RETURN EVERYTHING BACK .IN XXXX THE FURNITURE GOT PICKED AND I WAS CURRENT WHEN ITEMS GOT RETURNED AS OF THEN I GET AROUND 5 CALLS A DAY FROM DIFFERENT NUMBERS HARRASING ME TO PAY AND THAT IM BEHIND ON PAYMENTS WHEN I HAD ALREADY RETURNED THE PRODUCTS.I WAS TOLD THAT THE FURNITURE WOULD BE SOLD IN AUCTION AND WHATEVER THE BALANCE LEFT OVER WOULD BE MY RESPONSIBILITY TO PAY OFF BUT THEY STILL KEEP CALLING DAILY REQUESTING I PAY THE PAST AMOUNT DUE. I AM AWARE THAT I AM RESPONSIBLE BUT UNTIL I RECIEVE A LETTER SAYING THE BALANCE LEFT OVER I WOULD APPRECIATE ALL THESE CALLS TO STOP
Product: Debt collection

Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX