23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED 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 Transunion XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

XXXX & Bankruptcy : Bankruptcy Reported on XXXX **Inquiries** 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
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

This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX XXXX {$270.00} XXXX XXXX  {$350.00} XXXX XXXX {$420.00}
Product: Debt collection

I 've been on Social Security since XX/XX/XXXX I am a XXXX Vectren XXXX person and this debt they 're trying to collect I am unaware of I was checking my credit on XXXX XXXX sound out that I have debts on there for B & P collection services XXXX foot {$54.00} {$68.00} and {$290.00} for XXXX XXXX XXXX I 'm on Social Security I do not owe them anything and I was unaware of this bill Social Security my Medicare should have taken care of this bill and va their phone number is XXXX I would like this matter taken care of I am not liable for this bill I am unaware of this bill until I checked my credit today
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXXXXXX  an individual claiming to be from XXXX customer service had me send {$160.00} via XXXX  thru capital one. This was done via my phone as they had me log into my checking account to verify it was me to settle a dispute with missing items via XXXX order. They had me download an app where they where able to take control of my mobile phone. I immediately called capital one that same day and file D a complaint with the Federal trade commission. They informed me they would investigate, which would take 10 days and I was admittedly told the funds of {$160.00} would be credited back to my account. Now they said no. I've been fighting with XXXX and capital one since XX/XX/XXXX with doors slammed in face via the phone. The same fake XXXX scammer also debited {$100.00} as they went jnto my XXXX account and placed a {$100.00} gift card using one of my credit cards on file with XXXX in my account payments. The funds that was send thru XXXX  thru capital one doesn't even exist and the number they called from was disconnected immediately. Please help.Thanks
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my previous request for an investigation into the inaccuracies on my credit report, initially submitted in XX/XX/XXXX. As of now, I have not received a response from your office, and the incorrect information still remains, harming my credit. This lack of action is both concerning and unacceptable. 

For your reference, I request the immediate deletion or removal of the account. 

- XXXX XXXX  XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX I kindly request that this matter will be promptly solve by EQUIFAX As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
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 XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/2022 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.
Product: Debt collection

SCOTT & ASSOCIATES continue to harass and come and constantly have individuals come to my home on holidays, nights and multiple visits during the day. This is harassment and I have requested ALL COMMUNICATION BE DONE VIA MAIL. It does not make any sense for someone to come ring my doorbell while and impersonate as if they are delivering a package, I have had individual say they are from the courts only to be given a outdated document stating court for over a year ago. 

I DO NOT WANT ANYONE COMING TO DELIVER ANYTHING FROM THIS COMPANY THAT CAN BE SENT VIA MAIL. This is harassment and I want it to stop. I am gathering videos of each of these encounters that continue to happen after i have requested for it to stop.
Product: Debt collection

We owned a house : XXXX XXXX XXXX XXXX XXXX Oregon. In XX/XX/XXXX my wife signed a landlord agreement stating that the electric services from XXXX County would return to our name at tenant move out. 

In XX/XX/XXXX I had a XXXX XXXX which bankrupted us, we file for bankruptcy XX/XX/XXXX and was finalized XX/XX/XXXX- The house in question was surrendered to the XXXX  XXXX XXXX on that date by court order. Evidently the bank had a tenant there and upon their moveout the electricity went into my wifes ( XXXX ) name- XXXX XXXX XXXX did not change the utilities evidently- So the bill kept growing to {$150.00}. before shut off in XX/XX/XXXX a full 1.5 year after we did not own the home. We recd no notification this service was in our name nor delinquent. In fact we called everyone involved with our ownership and cancelled our service XX/XX/XXXX. 
Then we find deleterious credit information was posted on my wife 's credit report by Columbia Credit XXXX XXXX XXXX XXXX. XXXX XXXX, Or for over {$270.00}! I called them and explained we did not own the house in XX/XX/XXXX nor the landlords by definition, as you have to own the property before you can be a landlord. In addition XXXX court and sheriff department knew our address as the house was handled through them so very little effort was made to inform us on any issue. 
the facts we did not own the home after XX/XX/XXXX, we were never contacted, before posting deleterious and untrue responsibility to my wife 's report- we did contact XXXX county by phone informing them we lost the house- All they had to do was contact their own county office for our information or google my name it pops up first page with our XXXX XXXX, OR address
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and discrepancies in my credit report regarding the account listed below. This marks my initial attempt to resolve these matters with your agency. I urge you to address these errors promptly and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor Name : XXXX XXXX Account Number : 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. 

XXXX XXXX XXXX has violated my rights. 

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 an 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

XXXX XXXX XXXX violated my privacy 15 USC 1681 section 602 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collections : 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 XXXXXXXX Experian ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 XXXXXXXX EMPLOYER : XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX Real Property Taxes XXXX are due XX/XX/XXXX. Furthermore, XXXX Citizens XXXX are entitled to defer tax obligations to a later date. 

Financial Freedom paid my property taxes, without solicitation, XX/XX/XXXX - at lest four moths before they were due. Please see attached tax receipts. They are now threatening me with with delinquency letters and foreclosure proceedings. Please see attached " Property Charge Delinquency Letter. " In addition, Financial Freedom is charging me for {$1800.00} rather than the {$1200.00} that I owed in property taxes for the year. This is unconscionable and a violation of our mortgage agreement. My obligation is to pay the taxes when due - XXXX has breached our contract by paying my property charges without notice. I am now trapped in a situation whereby I face the threat of losing my home over {$1200.00}.
Product: Credit reporting or other personal consumer reports

I need your assistance regarding this incorrect account listed on my credit report. It has harmed my reputation, and I seek your help to address it.
Product: Credit card or prepaid card

I feel sure that you have heard from others with this problem but I am unable to get any assistance from the companies involved after over XXXX hours of trying. Along with scores of other XXXX XXXX, my XXXX XXXX XXXX card was transferred to Barclay 's XXXX in XXXX. I received the new Barclay 's cards and when I tried to activate them I eventually determined that my birthday was incorrectly transferred. I am unable to access this account despite multiple " specialists '' hearing my problem. I want to pay off the transferred balance of {$260.00} and close the account. 

Nobody seems to want to help me at Barclay 's or XXXX and this balance will soon come past due, accrue finance charges and impact my XXXX XXXX. I have not had a late payment on any account in over XXXX years and this is infuriating as I know how difficult it is to change something on a credit report even if it was not the individual 's fault. 

Another concern about this is that after reading social media comments from others who have similar problems, most people think that not activating the card will close the account and solve the problem. This is a serious issue that is impacting hundreds if not thousands of people. I really do not know who else to turn to and I hope you can help.
Product: Credit card

I had multiple Synchrony store cards & i woke up this morning & all my accounts were closed. I received a new store card in the mail today & before i was able to activate it the account was already closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this with both Experian & XXXX XXXX. I have inaccurate multiple late fees showing on my credit report in XXXX. This account is showing inaccurate, this account says closed but does not state when it was closed, it does not give the full accurate account number. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. This closed account was completely deleted off of my Experian credit report only to reappear again this month with more inaccurate late fees. This account wasn't even opened in XXXX of 2017. For the last time, this card is paid off & closed I am demanding to have this account deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the account from my credit file.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I called XXXX XXXX and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and Experian. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to XXXX XXXX. In this notice it contains this same request and I'm requesting for XXXX XXXX to stop sharing my nonpublic information with XXXX, XXXX, and Experian.
Product: Checking or savings account

I was a victim of fraud and I went to my bank to dispute the charges and they declined my dispute.
Product: Credit card or prepaid card

I tried using the XXXX XXXX XXXX card on XX/XX/XXXX. My child support was direct deposit on XX/XX/XXXX. The merchant informed me my card declined. I called to informed my card had been compromised on XX/XX/XXXX. They explained I should receive documents they mailed in XX/XX/XXXX to make a proper claimed. I called back for an update XX/XX/XXXX. They said that is not in the system however they would mail out documents. XX/XX/XXXX I called they said give it satybut they will mail out documentation. Saturday gets here and they stated they will mail out documents. I still havent received anything XX/XX/XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXXXXXX 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 Also there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX account to JP Morgan Chase Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
XXXX issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. 
There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that JP Morgan Chase Bank could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX was an active participant in the movement of my money, which eventually ended up with the Company, JP Morgan Chase Bank have not exercised their duties to identify this suspicions scheme in a timely manner.
Product: Credit card or prepaid card

I have been trying to contact someone within Citi to help me for days. I have called multiple times and no one can resolve this issue. There was a hold up on my mortgage loan and I found out last week it was because Citi has a note in an old credit card account " Account disputed by customer ''. The XXXX bureaus all said no dispute on their end. To resolve this, I have to call Citi to get those notes removed and get a letter for my mortgage lender. I can't get my loan because Citi will not help. Citi first said, even if we could give you a letter to show there's no dispute, it would take XXXX business days by mail, we can not email or fax the letter. Then Citi said they can't help at all, there is no such letter. Then Citi said their back office may be able to help get a letter emailed to me. The letter has never came and I think that Customer Service acts like they're unsure of even what I am talking about. 

I am not disputing anything and to my knowledge, I never did. Citi has my entire life on hold because of these dispute remarks in my credit report. I worked since the end of XXXX to get a home loan and found out now, unless they send proof that there is no open dispute, which they did already verify with me by phone, I can never get a mortgage loan. I needed the letter days ago and the mortgage lender is going to close my file. I can not get Citi to send anything for me to provide to my mortgage lender. Citi knows they are holding me up and keeping me from getting a mortgage refinance that would help me greatly financially and they don't even care. It's like they are doing this intentionally to be spiteful with me.