23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, I spoke with " XXXX '' through the XXXX XXXX about purchasing an indoor rower that he posted for sale. The rower was priced at {$410.00}. According to the XXXX XXXX, shipping would cost {$14.00}. " XXXX '' let me know that XXXX would not ship items over 20lbs and that the rower was well over 100lbs. He said that he would ship it to me personally and that shipping from XXXX ( where he was located ) would cost {$110.00}. The total cost of the rower would then be {$520.00}. 

Since XXXX would not allow the shipping of products over 20lbs, he told me that XXXX would not allow him to accept my offer. He asked to me to use a different form of payment, outside of the XXXX XXXX. He suggested using XXXX. He sent me his wife 's XXXX  info which was : XXXX XXXX ; XXXX and requested I send him a screen shot after payment to confirm that I paid, which would then allow him to ship the rower. I paid him through XXXX in the amount of XXXX on XX/XX/2022 around XXXX XXXX. EST. 

Within a few hours ( XXXX EST ), I looked at XXXX again and noticed the same exact pictures of the rower I had just purchased from XXXX, but listed under a different name, " XXXX '', and coming from Colorado. I immediately called my bank, Wells Fargo, and reported the fraudulent purchase. Although when I XXXX the money, a note at the bottom said that the money would not be available to XXXX XXXX until the next business day, Wells Fargo told me there was no further action they could take since I already submitted the money. 

After noticing the double post of the rower, I reached out to " XXXX '' numerous times at cell phone number 1 ( XXXX ) XXXX, which was the number through which we had been communicating. He ensured me that this was not a scam. I continued to text him and request a refund but never heard from him again and needless to say, never received the indoor rower that I paid for. 

I since reported this user and the user of the secondary post to XXXX and blocked them from the app. I reached out to Wells Fargo again and finally received a letter dated XX/XX/2022 that they determined that this payment was processed as requested and that they were unable to stop or reverse the funds and subsequently closed the claim.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX  Discover credit XXXX XXXX XXXX XXXX. 

This agencies, most of them debt collection agency, submitted a collections to XXXX, XXXX, XXXX and XXXX. I did not have anything to do with these agencies but when I ran my credit report, I found multiple credit enquiries and collections on my credit report. I believe that I am a victim of identity theft. I have provided my date of birth, Social security number and full names to fake or scam job or employment agencies that never got back to me, I have provided the same information via email and phone and I lost my identity cards such as government ID, social security card and passport last year. 
I have contacted the credit reporting agencies and collections agencies to dispute this collections account and as part of the process of disputing this collections accounts, I am required to also notify FTC and this is the purpose of this complaint. 
Thank you.
Product: Debt collection

XXXX XXXX is attempting to collect a debt for a apartment application i did not sign or authorize. I contacted XXXX XXXX in regards to this matter and make them aware this is a case of Identity theft and I never applied for this application via M BY XXXX XXXX.
Product: Credit card or prepaid card

I tried to redeem my Thank You points online but my account was locked. I tried to call the Service center on XX/XX/2020 during the time they said they are open, but was told on the phone the office is closed. I called again and was put on hold for over 2 hours with no responses ( saying there is a long wait ). I tried to chat with folks at Citi online but they refer me to the same number I called. I then tried to text to XXXX but was routed back to online chat where the agent can only give me a phone number that I was not able to speak to anyone who can unlock my Thank You account. I then tried to call the automated line to redeem my points. But every time I was prompted to say where I want to redeem from, they can't recognize my voice for XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, Transunion and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a Identity Theft report to Experian regarding an account that does not belong to me. Which is the XXXXXXXX XXXX XXXX account. They removed the account from my credit report and a few days later it was put back on my report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a call on XX/XX/XXXX from Capital one, confirming I was attempting to open a credit card, which was not me. Capital one reported it as fraud and did not accept the application. The application was online in XXXX CA. Please help me find who did this and continues to attempt to open cards in my name..
Product: Credit reporting or other personal consumer reports

Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. Transunion reported the date opened as XXXX XXXX and XXXX reported the date as XXXX as the date opened. 
The date last reported was different as well. Transunion and XXXX reported the date last reported as XXXX XXXX reported the date last reported was XXXX 
Lastly, the date last active was different as well. Transunion reported the date last active as XXXX XXXX reported the date last active as XXXX XXXX reported the date last active as XX/XX/XXXX. 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report.

I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( Pub. XXXX XXXX XXXX ( United States ) XXXX, XXXX XXXX. XXXX, enacted XX/XX/XXXX, XXXX XXXX. XXXX ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I filled a Identity Theft report with the FTC and my local police department, all three credit bureaus have reported my credit history as inaccurate. On XX/XX/2019, I went online and requested my credit report from Experian because my request to obtain my credit report through XXXX XXXX XXXX XXXX   was denied. I was successful in obtaining my credit report online. Credit report # is XXXX. I saw several discrepancies and decided to go online to dispute the information. I was unsuccessful in disputing the information online. I was directing by Experian website to call XXXX to dispute information. On XX/XX/2019, I call the number that was listed and a female agent took my information and started asking questions regarding my dispute. I disputed information that was listed on the report that was printed. The agent stated more than once she didn't see certain information I was disputing. She didn't seem as if she wanted to correct anything I was disputing. After we went over everything, she gave me a new credit report # XXXX. I received the report in the mail on XX/XX/2019 and as of XX/XX/2019, everything we have went over still remains on my credit history. No investigation was ever made. The agent never corrected anything. There are many unknown inquiries on my report. There is information that has not been disputed or corrected. There is information that is not listed and should be. I have had many issues with the credit bureaus regarding my credit history since I filled an Identity Theft affidavit with the FTC. I have contacted the credit bureaus many times in making attempts to correct my information. It is possible that there is fraud involved. Experian has more than thirty inquiries posted to my credit history within the last two months. Major Credit Bureaus need to be monitored because they are also posing a risk for fraud.
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 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, ( 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 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 redres : for these violations.
Product: Debt collection

On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear MONEYLION, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that MONEYLION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the importance of consumer consent for credit reporting. Furthermore, identity theft fraud laws in XXXX XXXX underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MONEYLION to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MONEYLION immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MONEYLION will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts and this company refuses to fix errors. I filed XXXX  XXXX bankruptsy in XX/XX/XXXX and was XXXX in XX/XX/XXXX. The following accounts have numerous errors that this company refuses to fix per bankruptsy law. Credit first should not have any derogatory marks, payment summary, or high balance, or credit limit listed, should say paid in bankruptsy discharge, XXXX XXXX is the same and they should state bankruptsy paid in discharge. XXXX also should not have any derogatory marks, no payment summary, and say paid in discharge with no high balance or credit limit, XXXX  XXXX XXXX should have no payment summary, high balance, credit limit, payment summary, and should be listed as paid and XXXX in bankruptsy, XXXX  should not have any high balance, credit limit, payment summary, and should be listed as paid and XXXX in XXXX  XXXX. I have contacted this company about this and they wont even investigate or fix the mistakes. If this company cant fix this issue I will be forced to contact my lawyer about this.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # 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, has violated my rights. 


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

XXXX have submitted several disputes to capital between XX/XX/year> to present. After the first dispute and it came back verified I submitted again. The result came back within 3 hours. Since the ive submitted several disputes with the same time frame. They are not investigating. Also i have 1 inquiry with the same result. I also have contacted and sent them information about receiving mail and email explaining how my personal information was compromised. They still won't investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX : XXXX XXXXXXXX  # 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
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Netspend I purchased 2 game system ONLY from XXXX for my grandsons who live an hour away from me as a XXXX gifts. On I purchased the full amount on my card the other a purchased a couple days later has to go to another store once they came in stock to buy one part cash and the remainder on my card I had charges for something with online purchases totaling {$240.00} for something that had to do with XXXX XXXX starting around XX/XX/XXXX but I didn't know it until my card was declined knowing that I still should have had money on the card. I checked the transactions as soon as I noticed it I disputed the charges. Supposedly it was escalated yet the last time I emailed there was no response I do not have a game system in my home being that I am a XXXX year old female and they don't live with me
Product: Debt collection

This debt just popped up on my credit. I don't even know what it is from. I didn't receive anything in the mail pertaining to this debt. I didn't even validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically Prestige Financial as the company entitled to enforce this reporting to my credit. 
Company : Prestige Financial Account Number : XXXX Prestige Financial Services XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the XXXX XXXX and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.