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

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : MIDLAND CREDIT MANAGEMENT Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous letters to the credit reporting agencies. And have not received any documentation proving debt.
Product: Credit card

Making a payment has always been an issue because they do not apply the payment in timely manner and you can not make additional payments easily. For the last XXXX months the second payments that I made were not applied on the day I made them. Made by phone because the online system would not allow me to make payments for the due date. After the first month, I was refunded the late payment. The second month I cancelled the payment, as it was several days after the due date but the payment I made on the due date was not posted.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Despite my attempts to resolve the issue, Cash App did not provide appropriate assistance or take the necessary steps to investigate and correct the fraudulent transactions on my account.

As a result of these failures, I have experienced significant inconvenience and financial loss. I am seeking appropriate redress, including a full investigation into Cash Apps practices and a resolution that fairly compensates me for the damages incurred. 

I request that the CFPB take appropriate action to ensure Cash App complies with consumer protection laws and implements fair and effective fraud prevention and resolution measures.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 


Account Name : XXXX XXXX XXXX # XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX
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 accounts 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 accounts 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 accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXXXXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$480.00} 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: Checking or savings account

On XX/XX/2019, I wrote to Capital One, requesting closure of my 360 account, which I no longer use. I received no response, and my account remained open. So I sent Capital One an electronic message through its online messaging function. Still no reply, and my account remained open. So I faxed Capital One at the customer service fax number displayed on its website : XXXX. 

My account remains open against my wishes and specific instructions. This appears an attempt to continue counting me as a banking customer and extracting fees against my wishes. I anticipate getting hit with account maintenance fees for lack of maintaining a minimum balance or direct deposit. Contacting the CFPB and law enforcement is my last resort to get Capital One 's attention on my requested account closure.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other Transunion closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.Even though its an identity theft claim, a 30 day re-investigation process is required. In the event that Equifax decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Please be advised that Equifax, at this time, will not block the information subject to the Submitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf ''. Equifax made its decision not to block items identified as fraud/heft. No reason was provided. A blatant disregard to the FRCA Section 605 ( b ).  Provided the Following A copy of Police Report A copy of my credit report I received from your company. The fraudulent items are Listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B/609E of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
All proof of respondents and faxes. 
And responses
Product: Debt collection

Nationwide Credit , Inc., is attempting to collect a debt that is not overdue, is not in collection, and the account is open and current. 

I have attached copies of my OPEN account, showing the account is active with not payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXXXX/XX/XXXXDate Updated : XX/XX/2016
Product: Money transfer, virtual currency, or money service

My account with Robinhood was hacked somehow. When trying to report that to them I was told once I proved my identity that we could reset my security features and that the funds in my account would be untouched and funds would remain. After waiting and doing the entire identity process 3 times I was informed they were closing my account and was not provided an answer why. Upon my account being closed I was barred from my funds as well. I reached out and was told because my account was closed they could not prove it was me and that they had the right to not release my funds. Even after proving who o was as well as them telling me they could see where the funds came from. I attempted to contact them further but continue tk get return to sender emails as if I was blocked and they do not have a phone number to reach them. And to make matters worse they sent me tax documents trying to charge me taxes on funds that they wont let me withdraw. I have filed a complaint with SEC AND FINRA as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dignifi has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and Dignifi regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.
Product: Credit reporting, credit repair services, 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 correct 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
Product: Credit card

- XXXX experienced a data breach in 2022. My XXXX account was broken into and individuals made two charges on two separate occasions through the XXXX app. it was then charged to my Bank of America credit card. 
- Bank of America reviewed my two charges : 1 ) {$31.00}, 2 ) {$91.00}. Both charges were made in the same month. Bank of America only refunded me for the smaller charge of {$31.00} but denied my claim of {$91.00} citing that the " merchant provided documentation confirming you received the merchandise or service. '' I DID NOT make this charge nor did I purchase it for anyone else. The XXXX ride occurred in a different state and I can prove that I was out of state from where the charge occurred. 
XXXX Bank of America will not let me dispute this charge. I find it especially convenient that they would refund the lesser amount and make me pay the larger amount.
Product: Credit reporting or other personal consumer reports

I am submitting this request to formally dispute the inaccurate reporting on my closed account with account number [ XXXX ] on my credit report. Despite my previous disputes, this issue has not been resolved, and the incorrect information continues to appear on my credit report. 
KOHLS/CAPONE XXXX XXXX : {$0.00}
Product: Checking or savings account

I saw a transaction on my USAA checking account this morning that I did not send or authorize via my debit card. The bank asked if I had possession of the card and I said yes, the agent told me that they had to disable the card and send me a new on and I should receive it in 2 -4 business days which leaves me without access to any of the funds that are in the account and more that are on the way to the account. I told them I run a business and I have employees to pay and I pay them out of my one and only account with them as well as my personal expenses and they want to leave me without access to money for 2 - 4 business days. I told them that is not acceptable and I need access to my money the next day and they said they couldn't help me, their expediated cards take 2 - 4 business days. I again said that is not acceptable, you need to send me a debit card overnight. Again, 2 - 4 business days was there response, no attempt to help me access my money, and it could be Christmas week before I receive a new card. I don't have money to purchase anything including food. 2 - 4 days is unacceptable. I can go put money into a credit union up XXXX XXXX from me and they give me a debit card the day I can open an account but not USAA. I need 24 hour access to the money available in my account.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated
Product: Credit card or prepaid card

I dropped off my XXXX XXXXXXXX XXXX XXXX for warranty work on the rear windshield. There was a crack on the inside of the vehicle near the heating element. A previous spokesperson had said that the crack was not caused by impact and would be covered under warranty. I also had a 2nd opinion by a professional car company in XXXX. I was then charged without my permission by XXXX for the repair. The amount was XXXX. I disputed this with my credit card company and they refused to cooperate with me. I send all the information they requested and they will not communicate with XXXX. The vehicle was left incomplete and with my car has missing parts in the rear dash.
Product: Debt collection

I was never properly informed of any liens or judgement until XXXX/XXXX/XXXX. I filed bankruptcy in XXXX with knowledge that all debts were XXXX. As of XXXX/XXXX/XXXX XXXX XXXX I received a call as well as an email directly from Bank Of Hawaii ( lienor ) asking for payment and they are not willing to settle. Bank Of Hawaii collection department representative XXXX XXXX emailed me judgement papers to show me a break down of the initial payoff, as, well as, made me aware that interest and per diem will be charged continuously until debt is satisfied. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX sent a payoff request thru email. After speaking to our attorney I was made aware that all debts should have been discharged and it is in violation for the debtor to request payment. I am aware that a motion can be filed to resolve this matter. I will take legal actions if necessary. Prior to discovering this situation I was never made aware of this debt. Had I been properly made aware in XXXX, I would have attempted to take care of this matter. I was never properly informed, I had no knowledge of a per diem fee, as well as, interested being added daily since XXXX till current. This matter was brought to my attention thru Escrow. After cleaning up my credit and trying to make an attempt to purchase my first home for my family of XXXX, this situation has stolen my opportunity to move forward in providing a stable home for my family. Please advise.
Product: Credit reporting or other personal consumer reports

I am still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed. 
XXXX XXXX XXXX  has two fraud accounts and they won't remove them I have provided them and Citibank with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to XXXX XXXX  to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX XXXX XXXX that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX XXXX nor its affiliates they are operating in shady business practices.
Product: Credit reporting or other personal consumer reports

company 's reporting charge offs. charge offs are considered certificates of indebtedness and certificate of indebteness are considered income. Any financial institution that forgives or writes off {$600.00} or more of a debt 's principal ( the amount not attributable to interest or fees ) must send you and the IRS a Form 1099-C at the end of the tax year.
Product: Debt collection

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report XXXX AND EXPERIAN which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at AVANT /WEBBANK FOR {$580.00}, AND XXXX XXXX XXXX FOR {$240.00}, XXXX FOR {$00.00}, XXXX XXXX FOR {$00.00}, AND XXXX XXXX FOR {$300.00}, AND XXXX XXXX XXXX FOR {$920.00}, AND XXXX XXXX XXXX FOR {$870.00}, AND XXXX XXXX, XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX & XXXX Account Number XXXX, XXXX Account Number XXXX, AND Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer, Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer, Account Name XXXX XXXX XXXX  Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX AND XXXX AND EXPERIAN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX XXXX