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

To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting or other personal consumer reports

I have been trying to correct information on my credit report for almost a year now. I wrote all three bureaus and Experian failed to respond while XXXX XXXX and XXXX disagreed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at XXXX weeks gestation. It was here in the hospital, where I will remain for another XXXX weeks until the birth of my child, where I was notified by XXXX credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.
Product: Credit reporting or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported. 

1 ) Balance 2 ) Origination Date 3 ) Date of last action/activity 4 ) Date of last payment These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part.
Product: Credit card or prepaid card

XX/XX/XXXX my wife was on line using XXXX to transfer money from one account to another and had difficulty. she talked with a XXXX XXXX XXXX rep and eventually had her cancel the transaction. the rep was slow and put me on hold for extended periods of time. ( my wife filed a complaint about the rep and talked with someone on the phone from that bank on XX/XX/XXXX ). 

XX/XX/XXXX I received an alert from XXXX that a new credit card was set up in my name on XX/XX/XXXX. my wife researched this and canceled the card on XX/XX/XXXX. it was a Victoria secret card with comenity bank. 

XX/XX/XXXX. my wife called comenity and canceled the card after explaining everything to the phone rep and they were marking it as fraudulent and said they would be doing an investigation and would send me info. 

XX/XX/XXXX my wife froze all three credit approving agencies in my name. 

XX/XX/XXXX we received over {$570.00} in VS thong underwear. my wife called VS LOCALLY and was referred to their fraud dept. The person that ordered the items. called and had the mailing address changed to send items to an out of state address, XX/XX/XXXX wife called Comenity Bank and the card is closed and marked fraud as of XX/XX/XXXX, the rep could not see where any second order was placed. if change made on or after XX/XX/XXXX it should not ship since card was closed and marked fraud. 

I have been instructed to take items to local VS for credit and get a receipt, I have filed with XXXX XXXX, NC XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **Subject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX** **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXXXXXX XXXX  - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXX XXXX XXXX  has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to XXXX XXXX, it may take up to 30 days for this update to be reflected. 

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft.

2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX **Experian Consumer Services** XXXX XXXX XXXX XXXX, TX XXXX XXXXSubject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX** **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXXXXXX XXXX  - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXX XXXX XXXX has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to XXXX XXXX, it may take up to 30 days for this update to be reflected.

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft.

2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter. 

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

When I discovered I was a victim of identity theft, I ran my credit reports and began disputing the fraudulent hard credit inquiries on my report. 
A person posing as me, using my social security number applied for credit with SunTrust Bank on XXXX XXXX, XXXX. I disputed the hard inquiry with XXXX immediately and contacted SunTrust in writing and received a written response dated XXXX XXXX, XXXX indicating they received my dispute. I received a second letter dated XXXX XXXX, XXXX informing me that they have researched my account and have determined the account is being reported accurately. I wrote them a second time explaining that I never have applied for credit and they 're providing inaccurate information to credit bureaus. Both times I also included a copy of my FTC Identity Theft Report and proof of my identity. 
Having failed to accomplish anything productive via mail, I called the number provided in the letters SunTrust sent me, XXXX. After nearly 20 minutes on hold, I spoke with a man named XXXX I think. He did n't speak his name clearly. I explained I was the victim of identity theft and SunTrust was inaccurately reporting a fraudulent hard inquiry. I asked what it will take to get it removed from my credit history. He seemed to have not listened to anything I said because he kept talking about the money I owe them and I will have to pay it. I explained that my niece used my social security number to apply for credit with SunTrust without my knowledge or permission. XXXX then told me that since I admitted I knew who did it, he ca n't help me. He either can not or will not actually listen to what the customer has to say. I told him I wanted the documentation they have for the application so I could take it to my local police department as evidence. He told me that he does n't have to do anything. He became belligerent and rude with me. When I told him I was recording the phone conversation, he hung up on me. I called back and was able to speak to a gentleman named XXXX. I explained the situation again and he gave me a different number to call, XXXX. I 've called this number three times and have n't been able to speak to anybody. The first two times, I was forwarded to a full voicemail box and instructed to call back another time. Today, XXXX XXXX, I was able to leave a voicemail but have very little confidence I will receive an acceptable response.
Product: Debt collection

I have sent a total of 4 emails to the company requesting information. i have not received any requested information from the company however they are still implementing collections tactics.
Product: Prepaid card

I received an email from Rushcard stating that they will be performing maintenance on XXXX XXXX, 2015 and I will not be able to access my account. As of today I still can not access my account and my paycheck was sent to Rushcard via direct deposit but my account still shows {$0.00}. No one will answer the phone and sent a message stating that the update failed.
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 Funds 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

Creditor was required to send me specific paperwork within a certain period of time regarding this account. I didn't receive this paperwork so how are you accurately reporting this information - you need to remove this account immediately. You are also reporting different information when all data furnished should be accurate. How is the payment history inconsistent and how can the date of last activity have 2 different years? Please see the attached letter that was sent to the company XX/XX/23 which is dated, and time stamped along with the inaccurate credit report. Remove the following account from my credit report within 15 days : XXXX XXXX XXXX
Product: Debt collection

I have been saddled with a collection account for what seems to be a three-year old cable bill. I have no knowledge of this debt. When I spoke with XXXX, they stated that they did not have much information on the debt itself. They also stated that they on the spot adjusted the balance from XXXX to XXXX. Then my credit report collection is saying that I paid down XXXX dollars, which I did not. I both do not owe the debt and did not pay towards it. As far as I understand, simply from their information, they have assigned me an inaccurate number. I did not pay XXXX dollars a month for cable, nor did I miss any payments, nor did I pay XXXX of the XXXX alleged.
Product: Debt collection

Specialized property management have unlawfully taken action against my credit for a claim that was approved and already paid to them from XXXX XXXX. I have agreed with XXXX XXXX  to pay cleaning claim of a property rented. XXXX approved the claim for cleaning to XXXX of {$400.00}. Based off my documentation, pictures and videos.
Product: Money transfer, virtual currency, or money service

Crypto.com is selling airtime or minutes for cellphone carriers, and charging you more then what the stated price says. It will for example state a XXXX $ XXXX airtime voucher for XXXX XXXX  is a specific amount of XXXX. But when you check what dollar amount the actually charge you based on the displayed amount of XXXX  is in fact not XXXX $ XXXX, but always in the ball park of XXXX $ XXXX. When you ask crypto.com about this, they make it seem like its nothing but the exchange rate, but the value XXXX  cant physically change this much in a span of XXXX minutes. And I have went back to check the value price as it changes and its always XXXX $ XXXX. I believe this is unethical and wrong of crypto.com, they highlight the XXXX  % cash back for the transaction over their platform, but they fail to mention that you arent really paying XXXX $ XXXX, but really more. I have attached examples of the consistency of {$62.00} XXXX, vs how it says XXXX $ for the voucher, how now where it states their is extra charges, and how crypto.com tries to blame it on the spread sheet. If that was the case, then why does the costs they want to charge always convert to XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration regarding the blatant disregard for credit reporting laws evident in the ongoing presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries persist without resolution. 

Your failure to address these accounts, despite clear evidence of their fraudulent nature, constitutes a violation of the laws governing accurate reporting. It is evident that the bureau is neglecting its responsibility to thoroughly investigate and rectify inaccuracies. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of an FTC report and thorough investigation. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a text message around the end of XXXX stating they were trying to collect a debt I texted stop and no more texts came I received the documents on XX/XX/XXXX that stated the debts for collection. I called XX/XX/XXXX at XXXX XXXX and arranged payment. I told the company not to call or text but to contact me only in writing and provided an email and address for them to use. On XX/XX/XXXX at XXXX XXXX  I received another call from them telling me to call them. When I called the number back that they provided for call back XXXX they told me it was an automated call and they cant stop those. They said that they wont call themselves but cant stop automated calls. I know this is a violation of my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX Bankruptcy & Chapter XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Product: Debt collection

I have disputed this debt with XXXX since XXXX. I have sent multiple requests to verify the debt. XXXX has refused to respond to the certified letters I sent on XXXX and again on XXXX. The credit bureaus removed the item, but now all of a sudden it 's appearing again. This debt is not mine, I have not signed a contract or anything to business with XXXX. Please remove this from my credit. It 's been almost a year and XXXX has not responded to any requests. The law provides for removal of the item if you do n't respond and it 's been nearly a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX has failed to remove two inquires from my Transunion Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : XXXX XXXX XX/XX/XXXX XXXX XXXX   Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by XXXX XXXX advising that they have requested removal was sent to Transunion by uploading to their website and they haven't removed to date.
Product: Credit reporting or other personal consumer reports

XX/XX/year> While at the shopping mall i lost my wallet and XXXX found it. During the time XXXX found my wallet XXXX was able to have his girlfriend help him commit fraud using my Social Security number and license to complete credit applications without my consent. They also obtained a fake drivers license with my information on it using a different face image. Please accept my request in consideration as i am trying to purchase a home for my family and I thank you
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX