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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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
Product: Credit card

Amex charged me XXXX for Return Service Fee. It's saying that my bank rejected. They won't reverse and is creating a huge issue around it. President Biden signed the bill for Junk Fee. Amex continue to charge over the legal limit is shameless. Should be fined. 

We will attempt to process it up to two more times in the next few days. Theres no need for you to make a new payment at this time. 



Please confirm your bank account information and ensure there are sufficient funds in your bank account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover incorrect accounts on my credit report, and I have no clue how or why they appeared. I routinely check my report, but this time, there were suddenly discrepancies that made no sense. I even refreshed the browser to see if it was a temporary glitch, but the problem persisted. The inaccurate information remained. Given this situation, Im requesting that the documents I sent be carefully reviewed to ensure I never have to deal with this stress again.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX that my delinquent account from XXXX for {$2400.00} had been sold to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX. This was the first I ever heard from XXXX XXXX in over six years. I have been admitted for other procedures and admitting never mentioned there was an alleged past due amount on my account. I never received and past due/demand letter or contacted in any form. I have had the same address and phone numbers for over twenty years. Obviously, I never afforded the opportunity to contact my insurance carrier or the hospital to determine if the charges were legitimate and if so, who 's responsibility the charges were ... the insurance or me. Now EOS CCA has contacted me and demanded payment and threatened to damage my credit and in fact has reported the debt to XXXX. My attorney has advised me that per the Texas Civil Practices & Remedies Code that the statue of limitations on the alleged debt is four years and the debt occurred over six years ago.
I believe the bullet points below summarize my complaint XXXX XXXX sent me one bill 6 years ago, that I reasonably believed was the responsibility of the insurance company. I fully expected to receive another bill after insurance had paid their share. When I didnt receive one, my reasonable assumption was that insurance had paid it in full. Now the hospital has sold my account to EOS CCA that is trying to collect a debt that, per the statute of limitations, is no longer collectible. Even though, per the law, the debt isnt collectible, they have threatened to report me as delinquent to the credit bureaus. o This is a deceptive practice in that I was only given one notice of the debt in 6 years where I had every reason to believe was satisfied by my insurance company o Its also an unfair practice for the collection agency to report a debt as delinquent as an uncollectible debt cant possibly be delinquent. o Its an abusive practice to threaten to harm my credit standing over an alleged debt that I have no legal obligation to pay
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home address
Product: Debt collection

I sent a letter via XXXX, certified with return receipt to this company asking for debt verification/validation/purchase agreement from original debtor. In the letter, I advised this company to only communicate with me via mail. They have been calling and emailing me daily. Over and over. They started emailing and calling me before even verifying any debt owed, which is a violation in itself. Theyve received my letter and still continue to email and call me, after I told them not to. They are in violation of the law and I have records to sue.
Product: Credit reporting

Equifax has failed to add my XXXX bank mortgage account on my credit report after I have provided proof to this fact.
Product: Checking or savings account

Contact the cash app on many difference of XXXX upon disputes regarding transactions that transpire in my account that I did not authorize. The transactions never was investigated thoroughly as well as showing any type of document showing that investigation has taken place. I never had got any response back. All they did was sent a virtual email stating that the case has been closed and never came to a solid resolution regarding this matter. I have went over and over again with cash app on numerous occasions about different disputes cases that I have filed with there company on regarding charges that was not authorized by me Also never received any accuracy on any investigation that has transpired while my dispute. I never received a provisional credit. While I was awaiting on my dispute to be resolved. I have actually had numerous reports regarding failing to get any accuracies upon any disputes that I have put in in with cash app or XXXX  so these entities are alike. They all operate in the same manner so I have also put in numerous disputes on that same behalf with XXXX as well as cash app as well as many other banking companies. 

I have yet got any conversation regarding any of my disputes that I have filed with the company
Product: Credit reporting or other personal consumer reports

I am writing to report violations of my rights by XXXX XXXX. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.
Product: Vehicle loan or lease

Prior i emailed regarding getting assistance with car payment because an emergency happened. 

Now fast forward, Having the jeep a year payments weren't made towards the car note payment, but paid to have my jeep fixed. I have been reaching out to the dealership to schedule appointments, regarding concerns i was having with the vehicle, to my prevail I was and continually getting the run around. Now the jeep has been repossessed. 

When i went into the dealership, XXXX as I was advised, i was told If i can find my own mechanic, then i can continue to go to my own mechanic and long as i produced reciepts of what I have fixed, then what Stellantis Financial would deduct from that, and then send me the title. 

That hasn't happened, I still don't have the title, the vehicle is currently At XXXX XXXX and Stellantis is giving me until XX/XX/XXXX to pay XXXX. Now when I log into my credit reports, what Stellantis is saying I owe and behind on to retrieve the vehicle, does not say that on my credit report. 

All I want is my title at this point. On my credit report it shows 60 days past due, of only XXXX dollars. I have an appointment scheduled to have the radar replaced, but not my vehicle to have it replaced. Everytime I catch Stellantis in a lie, they do something to my account, now I can't even login to view my statement for XXXX. Last i did check it only showed past due of XXXX. 

I have had it with this company from not receiving any help from dealership on fixing the vehicle, from the issues I have with the vehicle, to just everything. 

As a consumer, I rather put my car note payment towards having a working vehicle, rather than paying a car note on a vehicle that was going out on me and at that time only had it 7 months. now its been a year, 1 year XX/XX/XXXX and im going through XXXX and back getting my title. I present reciepts, no money taken off. Now its like their trying to charge me quadriple what I owe without deducting anything, and witholding my title, now their possible trying to sell the vehicle. 

I'm a XXXX XXXX, that goes to treatment 3x a week. I also work, go to school and take care of my mother who has progressive ms. Im not looking for sympathy or empathy, Im looking for my title to be sent to me. Getting the car fixed cost more, than what the car note payments were. 

I am still wanting to fix the jeep, long as I own it, i will no longer pay Stellantis another car note payment.

I really need my title. I even went as far as contacting a attorney to send a demand letter, Haven't been able to pay that, because of how high getting my jeep fixed costs. I really need some help on retrieval of my vehicle title and having my vehicle towed back to me.

I have emails and videos of issues i brought to their attention with getting no where.

They even locked me out from my online account and now I can't see anything. Pricing doesn't add up to whats on my credit file, accounts being locked after catching company in multiple lies just a bunch of scam stuff thats going on.
Product: Debt collection

After multiple disputes with XXXX XXXX XXXX, with every dispute coming back as a valid debt, I contacted Capital one directly. 1 dispute with capital one discovered that it was a fraudulent account. Attached is a copy of capital one 's letter date XX/XX/XXXX that says this debt is fraud. I also attached a copy of XXXX XXXX letter dated XX/XX/XXXX that says it a valid debt. 

Please remove from my credit files now. XXXX XXXX has refused to provided me with a copy of the original credit application and the drivers license on file, when I requested it. XXXX XXXX  has violated my rights as a consumer, by refusing to send me the information I requested. They also have violated my rights by not properly investigating if the account was fraudulent. 

Please remove now.
Product: Credit reporting or other personal consumer reports

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. This account XXXX XXXX with the account number XXXX was paid in full and was never late. I am always paying on time. This should be remove on my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, someone opened with XXXX XXXX XXXX an account in my name and take out a loan, I reported the fraud, they investigated, and come to conclusion that the loan name and soc sec is mine therefore is not a fraud, and I am responsible for the loan payment, the bank never provided me with a copy of id used to open the loan or a copy of the signature page. XXXX XXXX XXXX XXXX never tried to cross examine my address and picture id with the one on file. During the investigation period the thief made a payment which never raised concerns whom he is where the money comes from under middle of the investigation period. I seen it on my credit report, when I brought it to XXXX XXXX XXXX XXXX Fraud Departments attention, I was told that they aware is not me paying and they still investigating my case. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud Investigations Manager closed my fraud report without resolving the case. and I still have the fraudulent at this point delinquent loan on my name. With a thief using that account. I need help to resolve this issue of the identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$19000.00} ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/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 Violates the consumers 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 was unfair and deceptive, as they did not comply with error resolution and requirements under the electronic fund transfer act ( EFTA ) and regulations E these events has cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I participated in a promotional offer to refer a friend and receive an additional 1 % interest rate on my savings account for three months, applicable to both the referrer and the referred friend via this url http : //marcus.com/share/ASI-31C-VDRF After following the necessary steps and successfully referring a friend who opened an account, the promotion was initially acknowledged. However, nearly a month passed without either of us benefiting from the offer. 
I first contacted XXXX on XX/XX/XXXX, at XXXX XXXX  and spoke with XXXX XXXX XXXX, who generated case ID XXXX and assured me of a follow-up within 3-5 business days. I was contacted on XX/XX/XXXX, for further details and was told to expect another call within 2-4 business days, which did not happen. Consequently, I reached out again on XX/XX/XXXX, at XXXX XXXX  and spoke with a supervisor named XXXX. He identified missing information, took the necessary details, created a new case ID XXXX, and promised a callback within 2-4 business days. 
After receiving no further communication, I contacted them once more on XX/XX/XXXX, and spoke with XXXX, who was unable to provide any updates or a timeline for resolution. She advised me to wait patiently for a callback. 
The referral, which should have been processed in XX/XX/XXXX, remains unresolved. Despite my repeated attempts to resolve the issue since early XXXX, I am still without a solution or a definitive timeline for resolution as of mid-XXXX.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX account number XXXX, I have maintained a flawless payment record, ensuring that I never missed a payment deadline on both XX/XX/XXXX and XX/XX/XXXX. To my astonishment, upon scrutinizing my XXXX credit report, I was taken aback to discover a glaring discrepancy indicating that I made a timely payment on XX/XX/XXXX but was late on XX/XX/XXXX. This misinformation was deeply concerning, as it directly conflicted with my meticulously kept payment history. Strangely enough, when cross-referencing the information with XXXX and TransUnion, these credit bureaus reported that I was late on XX/XX/XXXX but punctual with my payment on XX/XX/XXXX, aligning accurately with my factual payment records. The inconsistency among the credit reporting agencies has sparked significant unease and apprehension regarding the accuracy and reliability of my credit report, potentially impacting my credit score and financial standing unjustly. In light of recent developments for credit consumers, a groundbreaking legislation has been passed that aims to revolutionize credit reporting standards, emphasizing greater precision, fairness, and transparency in the system. These new regulations herald an era of enhanced consumer protection, empowering individuals with stronger rights to dispute inaccuracies, demand corrections, and ensure the integrity of their credit information. In light of these changes, I unequivocally demand the immediate removal of the erroneous late payments from my credit report, as they are unequivocally false and unjustly tarnishing my credit history. It is imperative that the credit reporting agencies rectify this error promptly to uphold the integrity of the credit reporting system and safeguard my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX., unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hours.XXXX XXXX XXXX The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX  XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
Fifth third bank on XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The company, XXXX XXXX XXXX XXXX, re-structured my payment terms from a monthly payment amount of {$1800.00} to {$2500.00} a month. Part of the te-structuring agreement was that they will consider the loan current and report them to the credit bureas as current. I kept my agreement even thought it cost me over XXXX more a month. I also paid off the loan XXXX  months earlier ( I paid it off in XX/XX/XXXX, 7 months before the maturity date of XX/XX/XXXX ). This re-structuring of the loan and the terms were all done over the phone. I kept my part of the agreement, but the company did not correct the information on my XXXX, XXXX and XXXX credit reports. They show late for these months. I called the company again and the rep I spoke with said she will put in the request and that they will take care of it. I reached out to the credit bureaus and disputed the information on my credit report but the company still did not correct it. This is not fair.
Product: Credit reporting or other personal consumer reports

I do not recognize the credit inquiries, I have asked the credit Bureaus to remove them, and they did not do so. I am requesting they be removed because they are inaccurate and unauthorized. 

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 reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( Upgrade Inc. ) Has violated my rights under 15usc1681 section602 states i have a right to privacy 15usc1681 section 604A section2 it also states A consumer reporting agency can not furnish an account with out my written instructions, under 15 usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant qualify for a mortgage because Equifax refuses to delete inaccurate child support information from my credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have mailed in a copy of my child support orders for them to see how much I was ordered  to pay. I also included all my pay check stubs to show that I have paid on time since child support started in 2013. I submitted all my check stubs with the year-to-date information highlighted so they could see that I had never paid late nor that I was in collections, along with a print out of the Child Support Payment History, to show that the payments had been received by XXXX XXXX XXXX. I also sent in an administrative hearing court order and an official letter from the XXXX XXXX XXXX XXXX, stating that they had reported the account erroneously and that this account has never been past due and was never in collections and that they reported the account in error. I have been trying for over 12+ months to get Equifax to correct ( delete this account ) my report and they are refusing to do it, and they are continuing to report the erroneous/negative/delinquent information. I have sent all correspondences via certified mail to Equifax while disputing this account. I have tried numerous times to resolve this matter with Equifax and XXXX XXXX XXXX, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX