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

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, my personal information was compromised, leading to the unauthorized accounts and inquiries listed below.

Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

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, and I seek appropriate redress ( 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately XXXX XXXX has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and XXXX INCONSISTENT 2018 showing proof XXXX XXXX did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY
Product: Prepaid card

** On XX/XX/year>, I acquired a Vanilla Visa XXXX  in the amount of {$500.00}. The card is issued by XXXX, XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX. The Card is distributed and serviced by InComm Financial Services , Inc . 

** When accessing the card account on-line it shows an available balance of {$500.00}, as it should. However, card transactions always get declined ( Not authorized ) for both in-person and on-line transactions, at supermarkets and utility providers. 

** I subsequently contacted customer service at the number provided on the back of the card and was assigned XXXX # XXXX. 

** On XX/XX/XXXX, I provided the required materials ( front/back of card, purchase and activation receipt, drivers license w/ address ) by email to XXXX. Subsequently I received a confirmation by email that the information has been received and that it will take XXXX business day for a response. 

** As this response was not forthcoming, I submitted a reminder by email on XX/XX/XXXX. No response as of today either.
Product: Credit reporting or other personal consumer reports

There is an account on Santander that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found several inquiries not authorized by me. This creditor accessed my credit file without my knowledge or approval on XX/XX/year>.
Product: Debt collection

A couple of weeks ago I discovered my credit report in XXXX showed an unpaid balance of {$250.00} due to a company called XXXX XXXX XXXX. I do not recall ever using or seeking treatment for a sleeping disorder, nor do I recognize the name of the company, so I disputed the charge and asked XXXX to investigate. 

Today, XXXX came back stating they had investigated the account and it had been " verified as accurate ''. They also informed the account is now in the hands of a collections agency called Merchants & Professional Collection Bureau Inc., and has been given an account number XXXX. XXXX 's report shows the original charge or invoice date to be XX/XX/XXXX, and shows it past due as of XX/XX/XXXX. 

Simple online research showed both companies share the same address : XXXX XXXX XXXX, XXXX, Texas XXXX. I reached out to XXXX XXXX XXXX asking for documentation or proof that I incurred in such a charge. They have yet to replied.
Product: Mortgage

My mortgage was purchased by Suntrust Bank in XXXX. I was not given account information in time to make payments for XXXX. The previous bank took bi weekly pmts from my account since I was paid this way. Suntrust would accept my payments then return them after I was told the account would be current. In XXXX I sent 2 payments told it would bring me current then payments were returned. Then I sent XXXX payment in XXXX they were once again returned. Then In XXXX I sent 3 payments that were received on XXXX. I once again spoke to a rep and told them that I would sent another payment which was recieved on XXXX. I was told by the bank rep on XXXX that the account was not fine. Yesterday I received a check back for 1 payment. I am now on the phone with the bank and am being told they are now returning 3 payments back to me!! 

This is extremely frustrating they are ruining my credit. This is unfair that a bank would do this to a consumer that is trying to bring the account current. I feel they want me to foreclose on this property. I have asked the bank to put this is writting to me and they refuse.
Product: Checking or savings account

The company put freezez on my account. unespected fees, promblem with withdrawals and making deposits.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. The accounts are from LVNV FUNDING LLC for the amount of {$2200.00} and {$1200.00}. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. The harassment through emails and text messages at all hours is excessive for this amount and account. I also don't have information to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

i been a victim of inquiry issue and want the following inquries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both Experian & XXXX to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the EXPERIAN & XXXX have yet to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove names and address on attachments FCRA violations
Product: Credit card or prepaid card

For multiple years Ive been going back and forth with capital one and XXXX XXXXXXXX about accounts which were opened with my identity and every time they say that they will clear it and its still not cleared
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 the account information on both the Experian and XXXX reports are seriously incorrect and should be removed from my report. The balances of the XXXX XXXX  revolving account. 

A letter forwarded to XXXX XXXX  on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. 

Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.
Product: Credit reporting or other personal consumer reports

Hello on XXXX I submitted a request to transunion to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
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 XXXX XXXX XXXX. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : FIRST XXXX  : XXXX Account name : XXXX XXXX XXXX IN Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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

I was going through my credit report and listed on my report is a previous address in XXXX XXXX. I have never visited, or lived in this state. I have always loved in the State of XXXX. I have only visited the states of XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Apparently there is some identity theft or fraud happening, or has happened in my name. I would like this to be investigated thoroughly and some type of report submitted on behalf of my name to clear up any errors or collections that I have no connection to.
Product: Credit card

My account was closed without notice. I never received any communication from the company. I have app installed on my phone. I have never been late on payments. They never called me. They claim that they closed my card and I lost all the miles that i accrued without any explanation.
Product: Mortgage

Wells Fargo is attempting to sale my home without a legal right to do so. According to the Deed of Trust executed on XX/XX/XXXX and recorded on XX/XX/XXXX in XXXX County ; XXXX, XXXX, solely as a nominee for None Stated dated XX/XX/XXXX and recorded XX/XX/XXXX inthe Official Record Book of the public records of XXXX County, VAgiven to secure the original principal sum of {$700000.00}. XXXX transferred the rights to my property XX/XX/XXXX without notifying me and additional as a number of legal actions have shown, XXXX could not hold the property in the first place. XXXX and Wells Fargo colluded to steel my property. XXXX held my property for over eight years before transferring it to Wells Fargo
Product: Checking or savings account

Bank of America has been straightforward to deal with in previous years, but I've had difficulty receiving good service lately. I always give good feedback, but the bank seems to mismanage funds, accounts, refunds, etc. They refuse to allow me the right to dispute online or via mobile app. They mismanage disputes. Do not reimburse overdraft fees when funds are refunded or caused by fraudulent charges. Years back, I complained that my funds were taken. For instance, I found many payments missing from XXXX, and when cross-referencing those payments, they were never reflected. When I brought this up to the Boa regulators, they tried to convince me that I was wrong. Something is terrible here. 

A of now, BOA received over XXXX in refunds and all I've is XXXX? I still have overdraft fees and do not understand their accounting methods. They hold refunds longer than necessary. It's not their money to take or manipulate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian aided a fraudster in stealing my identity. They allowed the fraudster to create a PIN and security questions/answers and are continuing to allow them to use this information and change my personal email and phone number to theirs, and request credit and open accounts in my name, even after I contacted them to inform them of the problem. To date this fraudster has opened 4 XXXX XXXX accounts in my name and attempted two others. I have both their email and phone number from the applications at XXXX XXXX to get credit approval and open these 4 accounts. 

Experian has refused to help me other than allowing the situation to continue for 7 - 10 more days while I send them undefined paperworkand they told me to check back every 2 hours or so until then to see if the fraudster has attempted to access my account. 

Their mishandling of my personal identity should spur an investigation into their perpetration of identity theft. 

I have since contacted XXXX who took immediate actionsetup a secure connection for me to send them my drivers license and photo to prove my identity and they have committed to sharing this with the other credit agencies. They also put a fraud alert on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting wrong information on my credit report XXXX XXXX XXXX was deleted from off my XXXX XXXX account and still showing on my Equifax Report this account is close with a {$0.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.
Product: Debt collection

Orion is fraudulently reporting a XXXX account to my credit bureaus I have been disputing for over 3 years. We have written Orion Portfolio, as well as their subsidiaries, such as XXXX, XXXX, and XXXX several times over the last three years disputing a debt supposedly owed to XXXX in the amount of {$360.00}. As we have stated on numerous occasions to Orion ( and its subsidiaries ), this amount is owed due to double billing on old XXXX account ( that was supposed to have been closed ) along with new ( current ) XXXX account, all at the same time. Even though we have disputed this debt, to this day Orion, through XXXX, is reporting this account to credit reports. We have tried many attempts to reach Orion to no avail. XXXX, however, is not willing to correct the reporting of this account.
Product: Debt collection

T-mobile says I owe them XXXX. As of XXXX XXXX. How can they say that. In oder for me to keep the Device you must pay both Device and bill. I did that in early XX/XX/2021. Bye the middle of XXXX i was with new XXXX and still Im. I asked XXXX why are you sending me the bill, the ask me for my personal information I said no you should know all my information your the ones sending me mail.you have all that. Twice they said they couldnt find out why this was happening. Now its in Collections Agency. One told me I would have to go in person with my I.D . Are they crazy. I have a XXXX. Plus location place people are very rude .Customers like me walking in for help we get sent back to calling customer service. This is ridiculous Ive had it with these people treating you like garbage. They want XXXX dollars from me this is false accusations. When they have billions and trillions of dollars .Thank you.
Product: Money transfer, virtual currency, or money service

My wife passed away in XXXX someone has tried to hacked her email and all accounts associated with it. One of which was PayPal so I attempted to shut it down .Paypal recommended I also shut down mine a well and start a new one so I did. After working with them for over a month to shut down my wife 's account. They said they needed a photo Id of her and other info to finalize the shutdown Because of the hacking I said no! 
The next day they locked down my new account demanding I furnish them my photo Id and proof of residence bank routing no 's and other information that in my opinion would open me up to being hacked. I did not have to furnish this information to open the account. 
I have {$480.00} left in the account I can't access or have sent with out meeting their demands
Product: Debt collection

I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. 
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. 
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. 
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. 
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. 
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. 
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. 
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. 
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. 
I am not on XXXX because I have XXXX or XXXX, I am XXXX. 
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. 
Please help me I am prepared to show evidence of my condition. 
I always paid my bills before this so I understand, but they should have just written it off. 
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. 
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?