23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Unable to make payments, auto withdrawals stopped but the company continues harassing phone calls several times a day during non-business hours and weekends, and makes numerous calls to place of employment under various untraceable ids.
Product: Credit card or prepaid card

We opened a XXXX Credit Card in early XXXX at a retail store. 
XX/XX/XXXX, we were informed the account was past due. We called in and discovered the employee in the retail store entered our address into the system incorrectly causing us to never get the card or bills. We called the support number, got a XXXX late fee removed from the account, paid XXXX  and were told the account was now up to date. We were also told that they had fixed the errors on our address and would be sending us a new card and bill so we could access the account via online services to verify balance, address etc. 
Unfortunately no card arrived, no bill arrived. Our next contact was XX/XX/XXXX when we called in after getting a notification via SMS that the account was again past due. 
We called in, frustrated and wanting to be done with it. We talked to another agent, were informed our address was incorrect in the system ( was missing part of the street name ) and the agent had fixed our address, issued a new card, and would reverse one late fee. After the reversal we owed {$XXXX} and agreed to paid the {$XXXX} left to bring our account to zero and no longer get harassed by ComenityXXXX  about late fees and overdue balances. 
On XX/XX/XXXX we got another notification that our account was past due with a large balance needing to be paid. We called again, spoke to an agent named XXXX and were told that they were able to locate the issue with the account. Even though we called and talked to someone XX/XX/XXXX, the agent did not post the fee reversal until the following bill cycle, causing our account to not be at a zero balance as the agent had stated. Along with that, our address was never correct in the system, causing us to not get the bills or card required to set up an online account and see balances, etc. 
After being on the phone with XXXX for over an hour, we were able to get confirmation that we would get our bill, a card to set up online account access, and that the account was now at a zero balance with all fees reversed. XXXX was very helpful and provided detailed notes about the account late fee removal being applied incorrectly and worked hard to help us get our account fixed. XXXX was kind enough to tell us that the internal system showed the bills, cards, etc were being returned as address incorrect from USPS, but for some reason the credit provider did not call the number on file they called when the account was past due to rectify the address situation. 
In early XXXX we got our first bill and our new card! Unfortunately, our account statement shows none of the balance adjustments XXXX said would be applied got applied. We reached out via the online message system on XX/XX/XXXX as all forms of phone based communication seem to result in actions being performed incorrectly. We recieved a respone on XX/XX/XXXX from XXXX informing us that they will not be assisting us with fixing or reviewing our account and we must pay the additional late fees charged due to customer service representatives inability to process payment correctly. They are unwilling to help us resolve this issue.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, CEO Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  I am writing regarding XXXX XXXX XXXX, CEO of Commenity Bank who is allowing Identity Fraud on my card and even has the audacity to charge me for these fraudulent charges. This complaint can be validated by the Partner BJs XXXX XXXX who markets this card. In fact, you can see below XXXX XXXX XXXX, Vice President of BJs is also allowing this to happen as my account was compromised back on XX/XX/2021 I reported it to Commenity Bank to stop the card because I received a call on my cell phone stating they are BJs XXXX Mastercard. I even gave them the phone number that came up on the caller ID and wrote and called both Commenity and BJs to stop my card before something happens. 

What tipped me off the Identity Theft was the person on the phone had my full Commenity Card Number and was trying to validate my Social Security. Second, I did not have on file my Cell number as all my cards I use my land line for protection. 

I wrote to Commenity to close the account as no charge happened that day. Well, Commenity Fraud did nothing and fraudulent charges made to XXXX online started to appear on my statement late XXXX and XXXX. After several calls to stop the card to no avail. 

Now XXXX XXXX XXXX, CEO is running a scam sending me a letter saying they are going to ruin my credit by reporting my disputes as valid charges in hope of extortion of these charges and ruining my status as good credit with the XXXX agencies. I have the letter sent on behalf with the knowledge of the CEO. 

So, we have both BJs and Commenity running Consumer Fraud and Protection Scams and want to put this on record as the AG should prosecute both firms. I will send the formal papers to the AG this week with the documents to support it. 

As I been still fighting this illegal activity for months as both are just doing nothing. XXXX XXXX XXXX, XXXX XXXX is totally aware of this and going along for the ride, so her name will be put in as she is condoning this illegal activity. 

In fact, this morning I called the representatives and told him received a call from their XXXX Call Center telling me this charge was to be made zero, they will close the account and open me up a new card and account for protection. But I suspect this is a scam to lure me into screwing up my credit with the credit reporting agencies. 

Looking to hear from you, as I will show you all emails and even messages sent to both entities. Both did zero. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

There was a problem with the model of the car and after replacing XXXX XXXX XXXX XXXX wouldnt work with me, capital one wouldnt work with me and my car got repossessed because i couldnt put a XXXX XXXX in a car that was only XXXX XXXX XXXX. There has been a class action law suit agains the company and recalls on certain models of the car
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 confidentially under 15 U.S. Code 1681, Account : XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX Account XXXX Account : Unknown Name Account number : XXXX 15 U.S. code 1681 section 602.A indicates, I have a right to privacy. 

15 U.S. code 1681 section 604.A indicates consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions or crimes which antedates the reports more than seven years.

15 U.S. code 1681s-2 ( a ) 1 section states : 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 or other personal consumer reports

I was charged for 2 semesters. I was only enrolled for one semester and transferred to another school before second semester start in XXXX, Texas where I completed XXXX school.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HWARFIELD ( Original Creditor : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the completeness or accuracy of the information contained in my file. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I request that you delete or correct any inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( XXXX ), furnishers of information are required to correct and update any inaccurate information provided to consumer reporting agencies. 

These are the accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information that is NOT correct.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to an inadequate Customer Service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely, and effective measures to prevent an 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 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: Checking or savings account

I ordered a bill-pay of an amount of {$530.00} in XX/XX/2019 for paying my XXXX house rent & utility. 

Bank of America deducted {$530.00} from my checking account on XXXX XX/XX/2019. 
Again, Bank of America deducted {$530.00} from my account on XXXX XX/XX/2019. 

I have contacted BOA several times ( 3/4 time ) over the phone. Every time, after talking with the bill pay team and account team, they acknowledge the issue and opened service ticket ( 3 times up to now ) to solve the problem. But every time, they close the case without refunding my money. 

My landlord confirmed to me by mobile massage that her bank did get a single payment for the bill pay order. She mentioned that the first time the check got rejected and got accepted the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX. They could never get my bill correct from the start. It was always different amounts. I switched to XXXX and got credit to pay off thge phones we were leaseing. After I switched I recieved different bills ranging from a credit of {$450.00} twice to {$1000.00}. I have called at least 10 times trying to find out which bill is correct. They can not give me any information at all. Transunion just keeps coming back with the same results that it will stay on my credit for 7 years. I know I owe them money but I doi not know how much. I Told XXXX on thwe last call that I Owe them money, but bunless they can explain all the different bills i will not pay. I told them if they want thier money to call with that information
Product: Money transfer, virtual currency, or money service

XX/XX/2018. This site does not seem appropriate for the type of complaint I have. My complaint/concern relates to information sharing. My personal identity and transaction information some how was provided to XXXX. First let me explain that my identity on XXXX is not the same as my banking information. Yet XXXX suggested a person I conducted business with three times through Wells Fargo 's XXXX service as a possible new friend. 

I called Wells Fargo and was unable to speak to anyone who could address this issue. I called the Federal Reserve Consumer Help line and they said that Wells Fargo was a national bank and not under their jurisdiction. I intend to try to contact XXXX executive offices and the FCC but filed with your agency first because the Federal Reserve Consumer Help desk suggested it.
Product: Mortgage

During the Covid Pandemic I was laid off and had to make changes to my mortgage through the Loss Mitigation Department. But during this long Process Loancare LLC continued to report negative/late payments on my credit report which waiting on the Paperwork to be sent to my address from the loss mitigation department so that I could file them out and get them back to them. I have tried correcting this issue with them directly and in 8 mouths nothing has yet to be done.
Product: Debt collection

I have been trying to contact this company on multiple occasions and no one has returned my phone calls. I have been trying to resolve this debt by getting on a payment plan because there is no way that I can pay the full amount in one pay and Im also not sure the the full amount is correct. All I keep getting are threatening letters that I can not contact the company and they are taking me to court to sue and Im sick of being harassed by a company that I have never even spoken with so how can I trust that the debt is even valid with them. The company is Midland for XXXX XXXX and the amount is XXXX. Im sick of being harassed and not being able to get this under control all my other debt is being handled but this one.
Product: Mortgage

Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy. 
I may still cooperate with the agreed entry. 
The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up. 
Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out. 
If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied. 
Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX. 
I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX. 
Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX. 
Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue. 
Thank you!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had applied for a mortgage and found out th at Portfolio Recovery Associates wa s reporting a collection account for a  XXXX   XXXX  credit card debt. I have NEVER had an account with  XXXX   XXXX  ever. I have told all  XXXX  credit bureaus this as well as Portfolio multiple times. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of  XXXX   XXXX  statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that 3 Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be 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
Product: Money transfer, virtual currency, or money service

I transferred the sum of XXXX XXXX and XXXX dollars on XX/XX/XXXX. 2023 from an agent, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX VIA WESTERN UNION to my wife in XXXX for Family Support Living. I instructed that, the money be paid into her bank account number XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The tracking number is : XXXX XXXX XXXX. She went today XX/XX/XXXX. 2023 to cash the money but, they told her that, there was no information about the transaction yet hence she couldn't get the money. I would appreciate it if you could help me check your system for an update on the transaction. Thanks in anticipation of your prompt and favourable reply.