23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPT OF ED/XXXX XXXX ... XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX  XXXX .... Balance : - ; XXXX  XXXX XXXX ... XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report today and it has my name on there mispelled.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report that I did-not apply for. These inquiries are really affecting my credit health and my everyday life.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and identified several billing errors. These late payments are not consistent with my normal payment history. Please correct these issues and update my account accordingly. Thank you!
Product: Bank account or service

I purchased gas in the amount of XXXX on my American Express Serve card. They put an additional hold of XXXX to verify my balance. I felt that this was an extreme amount of money. When I called to complain, they first told me that it would be 8 days before the money would be returned to my card. When I asked for a supervisor, that person told me that they would need to transfer me to Technical support to see about getting the hold removed. I was on hold for 1 hour and 41 minutes, and then the call dropped. I have since tried to call back and had no luck. This has caused my account to be in the negative by XXXX. They have taken all of my money for the week and I will not be paid again until XX/XX/XXXX. I have a screenshot of the on hold time with this company. They have offered me no type of resolution to my issue. I even verified that they had my number on file in case we were disconnected, which they assured me they did, and I have yet to receive a call back from them. I have used the card for gas plenty of times, and never had a hold like that. I purchased from the same XXXX a week ago and no hold was placed. This is just them keeping extra of my money for a week and it 's unjust and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you for your help.
Product: Credit card or prepaid card

In XXXX of 2016 I went to XXXX  and purchased 3 cell phones. The person who helped me said that I would pay XXXX for the phones over time and asked if I wanted insurance on the phones? She said it would not cost me anything for the insurance. I accepted and she opened a credit card in my name and put the insurance cost on the card. I am paying XXXX for the phones but I did not know that she would use a credit card to purchase the insurance until I saw a delinquent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( XXXX, Experian ) sent me any physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
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 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

XXXX XXXX XXXX XXXX is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I did not authorize or initiate these accounts, and it is unjust for me to be responsible for them. I urge you to take prompt action to correct this mistake.
Product: Credit card or prepaid card

My prepaid card account was suspended on Sunday XX/XX/2020 after making an online purchase at XXXX XXXX  XXXX I was not notified. I tried to use the card again about a half hour later to make an online purchase at XXXX and my card was declined. I tried to log into my account and I kept getting an error message. I tried again on Monday but still could not log on. I was sent a balance statement that gave my balance but did not say anything about my account being frozen. On Tuesday the XXXX I tried calling, but found out there was a long wait and couldnt stay on hold that long. On wednesday, I called again. After being on hold for 2 hours, I was finally connected to someone who told me my account was suspended but they could not tell me why. She said I should be contacted within 1-2 business days and to call back if I didnt hear anything. I called back today and waited on hold for over 3 hours. I was told the same thing I was told on Wednesday. When I told her Id waited 2 days already, she said I would have to write a letter. I asked, then demanded she put me in contact by phone, or give me a phone number. She refused, but did eventually connect me with her supervisor. He told me my account was suspended because a purchase I made went against their conditions for use. But he would not tell me what that purchase was. Since I had just gotten that card a week before, and only used it for the books, XXXX groceries and XXXX XXXX, I knew I had not made an illicit purchase. He said they had no way of contacting anyone who could help me but kept telling me to write a letter. I am filing this complaint because theyve kept my money without tellling me that they did it, or why they did it and without giving me a chance to dispute their decision. This has put me under stress and financial hardship as the {$140.00} I had in my account was all the money I have. Also my social security widows  benefits was set up for direct deposit into this account and the deposit was rejected. I now have to wait longer to get that money and take get something else set up and will have to borrow money to get things I need till then.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX, Equifax and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 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 not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time, as evidenced by bank statements and payment confirmation receipts that show my payment was processed and sent well before the due date. 
Despite providing these documents, the late payment was inaccurately recorded on my credit report by all three agencies ( XXXX, XXXX, and Equifax ). 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware of the companies pulling my credit. I offered to give them my credit score and they still pulled my credit without my permission.
Product: Debt collection

This charge is for " Roaming Charges '' while on a cruise. I did not make or receive any calls, did not text or receive any texts ( except from XXXX ), and/or did not connect to any website while out of the country ; therefore I received no benefit. I initially disputed this charge w/XXXX, by my phone call, in XX/XX/XXXX and asked for details of the charges, which I never received. I disputed the charges again XXXX XXXX ( collection agency ), who sent a demand letter, in a letter dated XX/XX/XXXX and again requested a statement detailing any numbers that were called or received, and the web sites that were visited during the period while I was out of the country, and once again received nothing. My account was then passed on to the XXXX XXXX XXXX ( another collection agency ) and I received a demand letter from them. I wrote to XXXX XXXX XXXX on XX/XX/XXXX and informed them that the charge was not valid and that I had already disputed the charge with XXXX and another agency. I explained that I received no benefit for the charges, and despite XXXX requests, I had not received anything validating the charges. I informed them that I would not respond to any more inquiries. On XXXX XXXX they signed for my certified letter and my account was reported to XXXX as a collection on XXXX XXXX. My XXXX Credit Score has just dropped from XXXX to XXXX due to this. I 've not checked, but I 'm sure that my XXXX and XXXX XXXX scores have dropped as well. I have a collection on my credit report for a medical bill which I disputed. The scenario with that bill was exactly the same. When I would dispute it with a collection agency they would drop it and then it would be sent to another agency. I finally gave up sending letters and explaining the situation over and over again. This practice has got to be in violation of the FCRA and I do not intend to have another collection on my record that is not valid. Enhanced Recovery should be shut down based on accounts that I 've read when I researched the phone number that they called from. 
Since then I received another collection letter from Enhanced Recovery Company , LLC. I have verified that they called me on XXXX and today ( XXXX ), left it ring XXXX, hung up before I could answer and left no message. The number that they called from is ( XXXX ) XXXX. I have no interest in contacting them as I have already made it clear to XXXX other collection agencies that I do not owe XXXX {$620.00} and that I requested a detailed statement which I have not received. They do not have a detailed statement as explained above. I sent a letter to XXXX requesting that they remove the collection. They did not remove it but they did indicate on the report that the account is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and XXXX XXXXk replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by COVI. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency Experian, XXXX and XXXX delays are still reported. In the reply from XXXX XXXX, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.
Product: Debt collection

A third party operator keeps calling my place of employment, they represent a third party debt collector. I 've never provided a general phone line to my place of employment, and have told them repeatedly that I can not take personal phone calls. The company is called MCM. What concerns me is how they got the phone number since I never provided it and why they continually call when I say I can not take personal calls at work.
Product: Credit card or prepaid card

I filed first complaint ( XXXX ) with Comenity Bank because I had 8 unauthorized charges on my BJs Perks Mastercard and made multiple attempts to contact Comenity to resolve the issue and have never able to speak with a representative. I locked the card on XX/XX/22. I NOW HAVE 6 MORE FRAUDULENT CHARGES-ALL MADE ON XXXXAFTER I FROZE THE CARD. As before, all appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( see attachment ). I sent another message through their online system reporting the issue. 

I NOW HAVE A TOTAL OF 14 UNAUTHORIZED CHARGES ON THIS ACCOUNT. TOTAL : {$2200.00} AND CAN NOT REACH ANYONE AT COMENITY BANK TO RESOLVE THIS. 

My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I want to have these charges removed and close my account IMMEDIATELY. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX
Product: Checking or savings account

I'm disputing transactions that were done on my 2 savings accounts and checking accounts. It appears that my accounts were hacked from XXXX. Money was transferred and XXXX out to different people/ organizations. Also about XXXX was spent at XXXX XXXX These transfers and transactions are totaling XXXX. I have been disputing with fifth third since XX/XX/XXXX and have appealed it 2 times and was denied again. As they are saying because my card has a chip, I authorized all of this. I absolutely did not. 

There were transfers from my savings to my checking accounts and then sent via XXXX XXXX ( which I don't have that app as of 3 years ago ) and send through XXXX XXXX transfers from savings to checking for XXXX, XXXX, XXXX XX/XX/XXXX a XXXX transfer for XXXX and XXXX XXXX transfers from XXXX account to another and then sent out for the amounts of XXXX XXXX ( XXXX ) XXXX XXXX More XXXX sent in the amount of XXXX ( XXXX ) XXXX XXXX XXXX transfers from savings account to checking then sent out XXXX transfers from my savings to checking XXXX transfers from savings to checking This was all transferred and sent to different people and organizations either via XXXX, XXXX XXXX XXXX purchase made.
Product: Money transfer, virtual currency, or money service

Trying to open an account with XXXX and PNC, my bank will not let me link my account ( held jointly with husband ) to the XXXX account. My husband has an XXXX account in his name linked to our joint account with PNC as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries for XXXX XXXX  on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Product: Credit card or prepaid card

On XXXX a payment was paid via bill pay from my bank to US Credit Card account for entire statement balance of XXXX, this posted to my US Bank Credit card account on XX/XX/. USBANK then proceeds to try to autopay the SAME AMOUNT of XXXX, as a pending payment to be effective/posted on XXXX  I want to make this clear, this is a duplicate payment. I have tried cancelling it online, and also reached out to customer care, they will not let me cancel it for some unknown reason ( payment has NOT been processed yet, so it is not even in progress ). Their only option is to allow payment to go through, and ask for a credit after it posts, which could take over a month. This money is needed asap ( food, expenses, bills, mortgage ), and will sit interest free as a negative balance to my credit card, because US Bank for some reason can not cancel the ach payment that is occurring multiple days from now.