23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX have been a victim of identity theft in regards to a credit being issued under my name and social security number without my authorization. There was a credit card issued from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, I filed an identity theft report and received reference number XXXX. I then contacted the XXXX XXXX fraud department on or about XX/XX/XXXX, and did receive correspondence on or about XX/XX/XXXX, stating that they investigated my claim and I wouldn't be responsible for the debt. Unfortunately, at this time I don't have a record of the correspondence because I went through a divorce in XXXX and all of my possessions were burnt. At this time I am requesting that XXXX XXXX reinvestigate this of matter to clarify the accuracy of this debt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has altered the way they do freezes without any notice to us the consumer. An There's not one human being to get a hold of pretty sad these people have access to my info and it is more unsafe in any 3 of the credit bureaus hands who sware to protect it. My info was leaked thanks to lack of safety protocols these agencies have with our information especially a veteran. I put a freeze for my own safe keeping and now they are trying to block me from having any access to my credit even though I personally set up the freeze after my credit was comprised XXXX spent 9 years homeless and not one problem until I finally buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN I HAVE ASK XXXX  TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
Product: Money transfer, virtual currency, or money service

Furthermore cash apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the electronic fund transfer act ( E F T A ) ,15 U.S.C 1693F and its implementing regulation regulation E,12C.F.R 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith faith yet cash apps failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.
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 : XXXX 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 XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX AUTO FIN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX 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: Debt collection

This debit collector does n't have my name correct nor did they put my exact address at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, legally these unverified & unauthorized items must be removed! 

I filed police report on behave of this matter & I also reached out to all creditors. 

1. XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # ( XXXX ) XXXX 2.XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 3 . XX/XX/2023 XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 4. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 6. XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX, CA XXXX XXXX 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 8.XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, NC XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX5 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, credit repair services, or other personal consumer reports

XX/XX/2019, {$100.00}, Account closed by XXXX XXXX EQUIFAX is reporting inaccurate information on my credit report. 
A closed account should not say ( open account ) on a consumer credit report. A collection account should not have a amount of {$100.00} dollars.

602. Congression

al findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Checking or savings account

events ) Theft XXXX XX/XX/2024 New Individual No My bank has twice moved funds without my authorization as well as let a family Member service the account. I have filed out all the fraud reports they have sent me and they have not responded to a single one. They cant provide a document showing where I authorized this - because I didnt. I call and they just tell me to file a fraud report with the fraud department. I do and they go unanswered. I authorized none of that and need to take legal action. They have take. Money from me I never authorized. I looked into suing your bank and it was suggested I file a police report for documentation purposes. I filed one with the XXXX police. This is my mailing address. I dont have a home I am staying in XXXX and my privacy is being violated.
Product: Credit reporting or other personal consumer reports

I do not recognize this inquiries and i ask to be removed and the bureaus did not do what i ask im providing a identity theft report attach to this im requesting them to be. Remove they are inaccurate and not mine
Product: Debt collection

On XX/XX/ I mailed a debt validation letter to southwest credit systems using certified mail. The letter was asking them for proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, an agreement with the original creditor that grant them the authority to collect on the alleged debt, verification that this debt was assigned or sold to a collector, complete accounting of the alleged debt, and commission for the debt collector if collection efforts are successful. I notified them that they had 30 days to validate the debt or all references to the account must be deleted and completely removed from my credit file, and a copy of the deletion request should be sent to me immediately. I also asked that they not contact me about the debt. They received this letter no later than XXXX XXXX XXXX, which I have the certified mail return postage to verify. They have not sent me any proof or verifications of the debt and I wish for it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, the Early Warning 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 an Inquire from XXXX XXXX  XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX. on XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, And a collection account from XXXX XXXX & A opened on XX/XX/XXXX with account number XXXX. 
These accounts have resulted in several fraudulent hard i nquiries and fraudulent collections appearing on my consumer XXXX credit report. 
I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulentitems. 
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: 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, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX CR UNION Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6200.00} written off. {$6200.00} past due as of XX/XX/XXXX. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint by the provisions of the Fair Credit Reporting Act and request that the Credit reporting Agencies remove the unauthorized inquiries reporting on my Credit File. I sent a dispute letter to each of the three major Credit Reporting Bureaus on XX/XX/XXXX, with complete attachments of my personal information as well as the FTC Report I received from the Federal Trade Commission for reporting the fraudulent activities on my Credit File. I need the following unauthorized inquiries removed from my Credit File the sooner the better : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. It has been 15 days for the Credit Bureaus to validate these inquiries and I expect that these inquiries will be completely removed from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years Experian have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute the incorrect information it comes back verified even though I provide proof of the incorrect information and they saying it come back correct because the social is correct. so i went to XXXX and now it has been deleted from XXXX. I ask Experian to remove this Bankruptcy since XXXX is no longer publishing it and they violate my right by not deleting it and still reporting on my credit. 
I am not disputing the Bankruptcy but disputing is not 100 % accurate. 
I have also ask Experian to disclose who they verify that information from so I can take the appropriate action.
Product: Credit card

I called AFFIRM pertaining to an item that I did not purchase. They ( AFFIRM ) in return asked me to contact the merchant and dispute the charges. So, I called the merchant and disputed the charges from XXXX. XXXX then sent me a confirmation that i was correct and needed AFFIRM to communicate with them in order to resolve and remove this purchase from my account. To date, AFFIRM has not removed this charge and is hindering me from obtaining any other needed loans and continually harassing me to pay an overdue debt that has been confirmed " not to be responsibility '' by the actual merchant.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2021 I noticed that cashapp had closed my account without any type of explanation. Unfortunately Ive been investing in stock and bitcoin on the platform for quite some time. I had about XXXX bitcoin which at the time was valued at around {$42000.00}. When I saw that my account had been closed I tried to sell by bitcoin hand withdrawal the funds back into my bank account. The first withdrawal that I did was for {$4000.00} at XXXX on XX/XX/2021. This withdrawal was not sent to my bank and it was subtracted from my cashapp balance. I researched a little online and found out that sometimes for larger transactions cashapp may not be able to instantly deposit it so I tried doing smaller amounts and a few of them went through. I did several {$1000.00} withdrawals around the same time as the first one and some went through and others didnt. Im total I attempted to withdrawal {$25000.00} which is the weekly limit for withdrawals on my account and only {$9200.00} was deposited into my account. Additionally i still have {$13000.00} on my cashapp account that I am not able to withdrawal because I am at the weekly limit. I tried contacting cashapp about this major problem and all I got was a auto response from their support. I also tried calling them but they do not have a customer support number. I contacted my bank to see if maybe the transfers were just on hold and my bank told me that cashapp reversed multiple transactions. Im total I am missing {$29000.00} that cashapp seems to be refusing to give me. This is my savings and they are denying me the right to withdrawal this money and are not attempting to help me resolve this issue.
Product: Mortgage

I had an insurance claim. My insurance company sent me the claim proceeds and included Newrez on the payment. They deposited the check XX/XX/year>, into an escrow account XX/XX/year>, and have refused to send my proceeds to pay the contractor despite me sending a completion certificate and adjustors report several times.
Product: Credit card

In XX/XX/XXXX I received a letter from Citi Financial advising me that they were decreasing my credit limit from {$19000.00} to {$8000.00}. My balance at that time was {$7800.00}. I previously submitted a CFPB complaint and Citi advised nothing they could do. This hurt my credit usage and ultimately lowered my credit score drastically. I've never paid Citi outside of XXXX days. Because of this, I raised funds to pay the balance down to $ XXXX to offset the damage done to my credit score. 

Well, on XXXX XXXX I then received ANOTHER letter from Citi advising that they were lowering my credit limit from the {$8000.00} that they just lowered it to, to {$760.00}. Remember I just paid them a lump sum to get the balance to $ XXXX to help with the damage that their last credit limit decrease did! This time I reached out to Citi Financial ( as the letter requested I could do ) to ask that my limit be reinstated. Of course, that request was denied. 

In XX/XX/XXXX, through XXXX XXXX, I was approved for a travel card through Citi with a credit limit of {$9300.00}. I currently have a balance of {$3100.00}. I have just received another letter from Citi advising that they were lowering this credit limit from {$9300.00} to {$3100.00}. I was just approved for this credit line XXXX months ago. 

Because of this, my credit score is about to take another hit! This is UNACCEPTABLE and under the consumer protection laws like the Unfair, Deceptive, Abusive, Practices Act, this is ILLEGAL! 

As a consumer, I've done what I'm supposed to by never paying this account past XXXX days late. And when my credit limits were decreased, I made substantial payment to offset that, only to have Citi offset what I've done. I've been with Citi for over XXXX years! But this is unfair! It's deceptive and abusive to myself as the consumer! 

I will go to the Attorney General or the FTC if needed. I did my part to offset what was done. They considered me a risk so I paid them a large sum of money. Only for them to come back and decrease my limit again to offset what i've done. At this point it's combative and abusive! 

I've attached backup showing my credit report before their initial credit limit decreases. Also showing what the decrease did to my credit score. I also attached the pay history showing my large payment of {$7200.00} to offset the decrease done in XX/XX/XXXX. Also the letter I just received, decreasing XXXX XXXX account. I pay all my creditors on time and take that seriously! I'm a Financial Analyst/Accountant as a professional.
Product: Debt collection

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years already since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.