23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).
Product: Credit card or prepaid card

After a scam of a purchase of gift cards, XX/XX/2023,, Chase bank, holder of my credit card was phoned and alerted to the even withthin the hour.. The charge had not yet been posted to my account. Chase said they could do nothing about it.In later interview with a chase agent, my interview was posted with her as occurring at XXXX XXXX. I did not speak with her until after XXXX XXXX. 
Two procedures the bank must practice to prevent these scams are : XXXX ) make all Credit cards under their fraud protection program universal. 
XXXX ) be able to remove charges not yes posted available to fraud investigation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00}
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 violates 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.
Product: Credit reporting or other personal consumer reports

Pioneer/XXXX  agreed to a pay to delete for an account I had with them that was in a charge off status, I paid this account however they have not deleted it and it is still being reported as a charge off/ delinquent account with the amount owe of {$0.00} to all three credit bureaus. 

Additionally, XXXX XXXX XXXX is continuing to report an account on my credit report that is over XXXX XXXX XXXX. This goes against The FCRA 's seven-year lookback period codified at 15 U.S.C.
Product: Mortgage

I contacted the mortgage company and explained i would no longer be able to make my full payments due to loss of wages. They suggested i try to sell the house on my own as a short sale. I followed their advise and tried for several months to sell the home. Several offers were submitted and each time they took too long or changed the price. At the end they had told me if i gave the home back to them it would only affect my credit for 3 years not 7. I just want them to change my status so it is not showing on my credit.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that I am a victim of identity theft. Unauthorized accounts and transactions have been made in my name without my knowledge or consent. I first became aware of this fraudulent activity on XX/XX/XXXX. These accounts have negatively impacted my credit and financial standing. 
I affirm that I did not authorize these accounts, transactions, or activity, nor did I receive any benefit from them. I have taken steps to address this matter, including filing a police report and disputing the unauthorized accounts with the relevant institutions and credit bureaus. 
Given the significant impact of this theft on my credit, I requested removal of these fraudulent entries : XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1600.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1300.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX XXXX XXXX Monthly Date Opened XX/XX/XXXX balance of {$35000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Type CREDIT CARD Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX DBA XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX balance {$18000.00} XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX  XXXX ACCOUNT Balance {$35000.00} Thank you for addressing this matter urgently within the four-day period requested. Please feel free to contact me at XXXX or via email at XXXX should you require any additional information.
Product: Vehicle loan or lease

I apply with Wells Fargo auto loan in 2013 in my interest rate it was super high. I struggle so hard to paid off the loan. I traded a card and the money that I was upside down transferred to the new loan. I heard Wells Fargo was having me settlement to the customers but I dont know if I qualify my loan was in 2013 with a high interest-rate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my prior disputes regarding Experian. Once again experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in providing the method of validation within the required timeframe specifically for XXXX  XXXX XXXX account and XXXX XXXX account. 

As per the FCRA, once I request method of validation, the credit reporting agency must provide the requested information within 30 days. Despite my multiple requests for the method of validation for these accounts, Experian has not provided this information within the legally mandated period for either of the disputes. This failure represents a direct violation of federal law under the FCRA. 
I have included documentation of my requests an the lack of response for your reference.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, To Whom It May Concern, I am writing to formally request the removal of a closed. account from my credit report that is inaccurate and does not belong to me. Specifically, I have no contract with XXXX XXXX XXXX ( XXXX XXXX XXXX : Acct # : XXXX, Amount : {$1700.00} ) and do not owe any debt to them. 

This account was recently removed from my XXXX credit report due to inaccuracies, and I respectfully request that TransUnion take similar action by removing this account from my credit report as well. 

Please promptly remove closed account, as the presence of this inaccurate account negatively impacts my credit standing. I can provide supporting documentation if needed. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

In XXXX 2017, I applied for an American Express Platinum card that was advertised as " spend {$4000.00} for first three months and pay an annual fee of {$450.00} and you will get XXXX points, plus other benefits '', I sent {$450.00} fee and spent more than {$4000.00} as stipulated, and now when I went to get my points, they flatly denied that they '' ever had such a promotion, even though it still all over the internet, they also claim that what 's on the web is not their promotion, but when you call one of those offering this promotion, you end up tight at American Express. This is clearly a deceptive and misleading practice by Amex, and I want either my XXXX points or return of my {$450.00} fee.I would not have paid a hefty annual fee for a card that I can without a fee. I also want my other points for the more than {$4000.00} that I put on this card, redeemed. This card is issued to me, it also mentioned my business, after denying that they ever had such a promotion, After denying that such a promotion ever existed, now they 're saying that this card is only for personal use and businesses are not eligible for it! even though there is no mention of such restriction anywhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in 2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I had a credit card with citi. In XXXX 2014 I become XXXX and went of family leave through my job. Since then I have been completely XXXX as determined under ssdi as having a permanent XXXX. I paid each and every month a fee for credit insurance if I lost my job, or became XXXX. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency step in and help me force the bank to remove all these negative reports on my various credit reports and have the safeguard credit insurance policy do as it was advertised and the terms and conditions state is is supposed to do and finally put an end to this harassment!
Product: Credit reporting

Experian Credit reports state XXXX score is based partially on the number of inquiries. Experian report shows multiple entrances of an inquiry by THE SAME BANK, ON THE SAME EXACT DAY thereby increasing the inquiries exponentially while decreasing my XXXX score for a none existent reason. Ex : XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX mos in row? ) Experian XXXX ( why show your own inquiry ) Out of XXXX inquiries there were only XXXX I was responsible for. Why are there XXXX inquiries I had no control over. How can I stop future inquiries that are not requested nor required?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX {$460.00} XXXXXXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

ON XX/XX/2020, I SENT PARAMOUNT RECOVERY SYSTEM AND XXXX XXXX XXXX LETTERS FOR THE ALLEGED DEBTS OF XXXX ( XXXX ) XXXX  XXXX ( XXXX ) THAT I DO NOT OWE.I HAVEN'T RECEIVE ANYTHING FROM NEITHER OF THEM CONCERNING THE DEBTS AND I HAVE ATTACHED COPIES BELOW FOR YOUR ASSISTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is consistently underrated and by Experian. My credit score with XXXX XXXX and XXXX typically ranges from XXXX to XXXX. My Experian credit score is XXXX. I contacted Experian on XX/XX/XXXX in an attempt to find out why it was such a disparity with my Experian credit score, Oppose to XXXX XXXX and XXXX  score. I have received a response from Experian as of this writing.
Product: Checking or savings account

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> money was being taked in out my account that was sent to this number XXXX the amount that was total removed out my account was XXXX in XXXX I ask the bankers to return my money an they never did my name is
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already corrected these inaccuracies due to an identified error. I am puzzled as to how you have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request XXXX result in legal action against your agency. I specifically wish to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting errors on my credit report I sent several letters to them even dispute online and they refuse to update my credit file nor did they provide me with results of there findings after I requested proof. 

The following discrepancies and potential FCRA violations were identified on my credit report : Account Information : XXXX XXXX Account Number XXXX XXXX XXXX Account Type Detail Discrepancy : TransUnion reports " Flexible spending credit card, '' while XXXX reports " Credit Card. '' Violation : This discrepancy directly violates a specific FCRA ( Section 623 ( a ) ( 1 ) ( A ) ) if it leads to confusion or misrepresentation of the account. 

Balance Exceeding Credit Limit : Balance : {$6400.00} Credit Limit : {$5400.00} Violation : This situation is inaccurate in reporting under ( Section 623 ( a ) ( 1 ) ( A ) ) if the balance is reported as exceeding the credit limit, which can negatively impact my creditworthiness. 

Payment Status Inconsistency : Both TransUnion and XXXX report " Collection/Charge off '' with a " Monthly Payment '' of {$0.00}. 
Violation : Reporting a monthly payment as {$0.00} while indicating a " Collection/Charge off '' status may be inconsistent and violates FCRA 's requirement for accurate and complete reporting ( Section 623 ( a ) ( 1 ) ( A ) ). There is no way you can have both of those statuses ; a Charge off is a sold account, and this debt does not belong to me. There should not be a reported balance. I do not own this account. 
Reporting Dates : Last Reported Date Discrepancy : TransUnion : Last Reported - XX/XX/XXXX XXXX : Last Reported - XX/XX/XXXX Violation : The discrepancy in last reported dates between the credit bureaus violates FCRA 's requirement for accurate and up-to-date reporting ( Section 623 ( a ) ( 1 ) ( D ) ). 
Date of Last Payment Discrepancy : Both credit bureaus report the " Date of Last Payment '' as XX/XX/XXXX. 
Violation : If this date is inaccurate, it violates FCRA 's requirement for accurate reporting ( Section 623 ( a ) ( 1 ) ( A ) ). 

I kindly request that TransUnion delete this record from my credit report and take appropriate actions to ensure compliance with the FCRA.

I requested that they provide me with a written response outlining the results of their investigation, any actions taken, and documentation to rectify the violations within 15 days.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2021 ;
Product: Credit reporting or other personal consumer reports

I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.