23daVinci/CFPB_Complaints huggingface dataset:
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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 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 reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX " Two '' Hard Inquries, ..please remove!. 

I have no knowledge of these accounts, ..and they are no attached to any open accounts. 

Thanks.!
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX , Act Name : XXXX XXXX XXXX XXXX, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had an emergency room visit and my health insurance did not pay all of the amount. 
- I have a family member who is a XXXX, XXXX XXXX. She was going to try and reach some agreement with the hospital and the two other medical practices that are billing me. She spoke with XXXX XXXX, located at this number ( XXXX ) XXXX, which is the location of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, AL on XX/XX/2019. She requested the Medicare codes for each billed item. He would not provide this. She explained to him that I could not possibly pay {$8800.00} because I had just started to work after a number of years of unemployment. He offered to spread the bill over thirty-six months. Ms. XXXX told Mr. XXXX she would look at my income and expenses and be back in touch with him within thirty days to inform him of what I could pay. He told her that bankruptcy was probably my best course of action. 
- However, Mr. XXXX didn't wait anytime until he turned the account over to a collection agency, Professional Account Services, P. O. Box, XXXX, TN XXXX. I sent them a letter letting them know that a XXXX, XXXX XXXX was going to be contacting them for some additional information. The letter was sent on XX/XX/2019, to the address In XXXX, TN and they signed for this letter on XX/XX/2019. 
- Ms. XXXX contacted them by phone but they wouldn't provide any information that she requested. 
- Within, a couple of weeks based on my income and expenses we determined a monthly amount and the number of months that I could pay for the hospital bill. We sent the offer to the XXXX, TN address listed above. 
-What I received was a letter from Past Collectively Different, XXXX XXXX XXXX XXXX, XXXX , TN XXXX. It read " We are in receipt of your dispute letter regarding the above referenced amount, which was {$8800.00}. We have verified with our client that the charges are true and correct. Please contact our Customer Service Department at XXXX to discuss arrangements. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 14 usc 1692g, we have met the provisions set forth to validate this debt. ". I HAD NEVER DISPUTED THE CHARGE IN ANY CONVERSATIONS OR WRITTEN CORRESPONDENCE WITH THE HOSPITAL OR COLLECTION AGENCIES. 
- My complaint is that the collection agency refused to accept or even respond to my offer made to them. Rather than respond to the letter of offer sent to the XXXX address, they sent my account to another office for collection, This was obviously done to keep the collection process going. 
-My financial situation was not one of my own making. I lived in a town in XXXX Alabama, which had been a manufacturing town. However, the recession caused more and more companies to leave the area each year. Unfortunately,, I was tied to that area because I owned a house and could not sell or rent it. I was finally able to move and became employed in the last quarter ofXX/XX/2019. 
- I need the collection agency to consider the offer I made and to quit sending my account to other branches so they can continue the threatening letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving an email that my complaint has been completed from your website and I saw that Trans Union gave an answer where they pretty much said they would not delete anything. I called Trans Union on their XXXX number and the woman on the phone said that I did not meet the criteria to get the items that I needed deleted but at the same time said that she could not tell me how to meet the criteria because of some company procedure. I feel that this is extremely unfair and ties the hand of the consumer because If I dont know how to get it take it off my credit report and the credit bureau themselves will not tell me how then it ties that persons hands. Their procedure makes no sense from an investigation standpoint. Especially with the fact that I provided a police report ( and other crucial evidence ) about the identity theft/fraud, and they seem to be practically refusing to delete anything.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action.I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter. 



XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a new business account, funded it with a $ XXXX cashiers check from XXXX XXXX. the placed a 7 day hold on the funds which was fine, I then wired $ XXXX into the account so I could use it to make payroll. I wired out money for my payroll to pay my contractors and after the 3rd one they froze my account. After calling they refused to tell me anything except they said it was " flagged for fraud ' because of the check I funded the account with. I told then the check was a cashiers check and they said it doesn't matter. They refuse to give me the funds in the account or give me any timeframe which I can get this resolved. This has cost my business a great financial hardship and they should be shut down and fined by YOU. I can not log in, see my funds or use my funds. This is theft
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding to this accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly.

It is imperative that this accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. 

Below, I have outlined the specific details of the accounts that require correction : XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX balanced {$170.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint Against cash app lock incorporated into an adequate 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 card

XXXX Citi Card includes theft protection insurance. 

I filed a claim for break in as that is covered under the Citi Card Benefits. The insurance company that Citi uses has the following information XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Toll-Free ) XXXX Fax Having filed a claim 3 months back for XXXX USD of merchandise lose, I am being given a run around despite providing all the information. They take upto XXXX weeks to respond and It is very difficult to get the adjuster on the call. 

I have made XXXX phone calls and the issue is still not resolved. They are asking for a report that does not exist. 

I need CFPB 's help to get this to resolution Thanks,
Product: Credit reporting or other personal consumer reports

I feel as my credit information has been in linked out without my authorization.
Product: Checking or savings account

XX/XX/2020 Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E & EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds
Product: Debt collection

Attempted to contact the bureaus to pay my debt and have been routed to another company called XXXX. XXXX has since been harassing me and refusing to allow me to pay my debt.
Product: Debt collection

Collection agency put this on my credit without notifying and allowing me to dispute this debt that I do not owe. When the company called me 2 times. I informed them both times, that I did not owe the company and that this was an error. They refused both times to put this in dispute then the next day I noticed that it appeared on my credit. I called the company to dispute it, which they started getting rude and unprofessional with me, 1st told me that they had no address on file to send me any correspondence t then asked then why put it on my credit, they told me to pay the bill or they was going to take legal action against me. I informed them I wanted to dispute the bill. The lady cursed me out and hung up the phone, Called back asked speak to a manager, i was informed no manager was available. then the person wanted to start telling me to pay the bill or else. i told them I didnt ower it, and wanted to dispute it.. They said fine we will dispute it. When I called back next day. I was being told the bill, and that they didnt show anyone has ever called me and that they had no records of me calling and disputing the bill. The account was not disputed. I told them I didnt owe the bil.. they said oh okay well you better pay it or else, I asked what or else would mean, she hungup
Product: Credit card

In XXXX of XXXX, I received my regular bill from comenity bank, which was for my Caeser 's reward card. Account last XXXX XXXX. The amount of the bill was just over XXXX dollars. I wrote a check, number XXXX, for XXXX dollars. The bank ( comenity ) processed a payment of XXXX dollars as a ACH, transaction, and charged me interest on the remaining balance. Once made aware of this, I called them and reported the error. I was told that I needed to contact my bank to get a copy of the check to verify the amount was accurate. So I called my bank, and was told that when a ACH transaction is done by a company, they do not return the check, and they were the ones who would have to make that happen. I called the bank back and they told me that they could not do that, and that it was my responsibility to produce the check. There was no explanation as to why I could not get the check back, so I sent them a copy of the duplicate, which I was told was not enough. I explained to them, that I would pay the remaining balance, but there was no way I was going to pay for their mistake, and I absolutely refuse to do so today, so they have gone after my credit report. This is a second incident with this bank in the past 3 years, and I stand by, my statement, and still have a copy of the duplicate. All of the balance being reported on this account are late fees on the interest charged, As with all my bills, I have always paid what I owe, on time, if not earlier. My Credit report speaks for itself.
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 affective 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 or other personal consumer reports

I am very upset with Equifax as I have submitted multiple disputes ( my most recent one including a FTC report and a copy of my Florida drivers license ) and they have all been turned away by Equifax. I have reported fraudulent inquires not made by me over 4 times to Equifax. They sent me a letter saying " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I have submitted multiple documents to prove these inquires were not mine and they refuse to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!
Product: Debt collection

I was not properly notified of an alleged debt by Transworld Systems Inc. ( " TSI '' ), which sent purported collection notices to an outdated address despite my updated address being available. TSI continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount alleged by TSI differs from the final bill of the purported original creditor and ignores an unprocessed energy draft. The credit reporting agencies ( XXXX, XXXX, XXXX ) are reporting conflicting Dates of First Delinquency and amounts owed. I demand the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Product: Credit reporting

On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I attempted to freeze my credit with the three major credit bureaus as a precautionary and preventive measure. XXXX  and XXXX XXXX were not a problem and completed online. Equifax would not let me proceed and required me to call. I talked to two people and they would not freeze my credit. They asked questions such as the month and day the last time I disputed my credit. Like I know that kind of information ... They said I have to send a copy of my social security card and drivers license which I am uncomfortable with doing. My complaint is the other two credit agencies have a process online of controlling my own credit and Equifax is painstakingly difficult.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There's a incorrect address, phone number, and name showing on my credit report. I've send in docs several times to show proof that these are not accurate, however, they remain on my report or reappear. The incorrect items are listed below - XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked to please remove these inaccurate items. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX # XXXX XXXX, Tn XXXX My phone Number is ( XXXX ) XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Money transfer, virtual currency, or money service

XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX A/C : XXXX Outgoing wire transfer - {$18000.00} I did not do the wire transfer, not sure who entered my account and did it, XXXX said they can not refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax a dispute letter via Priority Mail on XX/XX/2020 and they picked up the letter from the post office on XX/XX/2020. It has been more than 30 days since they received my dispute and they have NOT completed the investigation. 

I have proof they received my letter and I have proof they are still investigation. The investigation should be completed within 30 days from hen they received my dispute, according to the FCRA. I have attached proof of my original letter with tracking number, the tracking confirmation of delivery from USPS, and the follow up letter I sent on XX/XX/2020 Please note : I DID NOT SUBMIT ANY ADDITIONAL information to grant them an additional 15 days. 

They are in violation if the FCRA and I plan to file legal action if the items I disputed are not deleted immediately from my credit report. 

I'm also demanding a updated copy of my credit report reflecting the deleted accounts I disputed. 

I demand all accounts I disputed in my XX/XX/2020 letter be deleted from my credit report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, Experian are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. 
Account : XXXX XXXX Account number : XXXX Date XX/XX/year> XXXX
Product: Credit card or prepaid card

Wed, XXXX XXXX XXXX  Charged {$670.00}. I was supposed to receive a treatment I paid for and did not receive it, I was overcharged and I did not authorize this charge. I have disputed it with Capital one and provided evidence but they have not properly examined my issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am in pain and have done this procedure before this is not the proper outcome. It came to my attention that Capital One leaked my personal number with the company and they have sent me spam messages and compromised my number. The fraudulent company now calls me multiple times a day from both my business and personal number to harass me. I want them to fix the damages and reverse the charges or I will have to take the next step and escalate the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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