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

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX Account # 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 a account without my written instructions This collection account has reported incorrect Account opened date, Term Date and more
Product: Checking or savings account

On XX/XX/2022, I opened a new personal checking account with M & T bank online. I opened the account under a {$350.00} promo code ( " CF '' ) for opening a new account and maintaining {$10000.00} in the account for XXXX and XXXX. I completed those terms as of XX/XX/XXXX, and when I attempted to log into my account to move some of those funds from my account to another account under my name at a different bank while I was traveling out of state in early XXXX, the transfer was blocked and then my access to my account was blocked. On XX/XX/XXXX, I called into customer service and was told my account was blocked due to suspected fraud and that the only way to regain access to my account would be to go to a branch in person and show a physical ID. I explained that I am currently traveling for a few months and asked for other options for proving my identity and getting the suspected fraud block removed, but after elevating to a supervisor they continued to refuse to allow any other options but to force me to travel back to XXXX XXXX. I now have {$10000.00} of my own money that I can not access while traveling because M & T decided they did not like that I was trying to do online banking while traveling out of state. I did nothing fraudulent and was not even given the option to try to resolve whatever the suspected fraud was. Further, the timing is somewhat suspicious, as I had just completed the terms for the {$350.00} welcome bonus and was expecting to receive that bonus this month. I need to have access to my own money restored and also expect to be paid out for the bonus for which I completed all terms.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX and capital one is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, capital one and the creditors reporting collections/Charge-Offs, other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. i am opting out of my your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached. No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldn't be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX XXXX Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.
Product: Debt collection

This company reported an account from XXXX on XX/XX/2018 in the amount of {$490.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. The company repeatedly called me at my workplace as well. This was not done 5 days after reporting it to the Credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I attempted to purchase some clothing on XXXX from what seemed to be a ligit website on XX/XX/2018. The seller offered 3 different payment methods, XXXX, XXXX XXXX, money order. I chose XXXX because I figured a bank was involved so it has to be credible, after speaking to the seller via text and placing my order once I transferred the {$250.00} the seller seemed to stop responding to me so the next day the name of the website was changed from XXXX to XXXX, so I called the bank wells fargo and reported it they pretty much told me their not responsible because I authorized the transaction my claim # XXXX I also made a police report # XXXX. These banks are allowing criminals to use their establishment to commit crimes and dont even investigate it. My name is XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint again cashapp Block , Inc. due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute and 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 those violations.
Product: Debt collection

After reviewing my credit file that Equifax maintains under my social I have come to find out that XXXX XXXX XXXX has inserted 9 accounts under my name damaging my credit that does not belong to me. I am a victim of identity theft and there have been many accounts opened using my driver license and social. Not only did XXXX XXXX not inform me that they were inserting negative information into my credit file they didn't give me the opportunity to request validity of these alleged accounts. I have never done business with XXXX XXXX  nor ever had a contract with them stating that I have an obligation to pay them any funds. I have never done business with the company they represent either. Every account listed with this company is a result of identity theft.
Product: Debt collection

ive sent numerous certified letters requesting information that I previously stated to you, its been over three years and they send me the same thing over and over and over again, a copy of a statement from the original creditor with my name on it with a balance, I have also sent them via certified mail a cease and desist letter, I just received another copy of a statement from the original creditor, this harassment needs to stop and Im at my wits end and I dont know what else to do but to contact you guys, this collections was on my credit report in XXXX XXXX, I just had it removed in XXXX of this year with the credit bureau .
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Su
bject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to update my current address which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a charge off in XXXX XXXX for a XXXX XXXX account that is closed. The only thing Transunion did was remove the balance due and payment history. They are still erroneously reporting the payment status as late and not even stating that this is a paid charge off. They are reporting payment status as late but payment status late of XXXX XXXX. That is when it was paid so it should not be reported late as pf that date. Photo proof attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first delinquency date for XXXX XXXX is reported as XX/XX/XXXX on my Transunion Credit Report. This account first became delinquent in XX/XX/XXXX and was transferred to collections in XX/XX/XXXX. This account is more than 7 years old and is not compliant with the 7 year statue of limitations for how long an account can report on credit per fair credit reporting act. This creditor has illegally extended the statue of limitations on the reporting of this account from the first delinquency date and this account should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX XXXX that there was a recent change to my account. When I looked at the summary it seemed that AMEX ran my credit. When I called AMEX I found out someone applied for credit with my information and they were approved for XXXX. Its proving to be difficult for me to get them to cancel the card.
Product: Bank account or service

The USAA FEDERAL SAVINGS BANK, XXXX, XXXX, TX XXXX is EMBEZZLING money through access of my account. USAA is accessing an account that has been closed for over 2 years.The XXXX of XXXX, XXXX stated that no activity has taken place on this closed account. Who is able to access a closed account other than an EMBEZZLER? USAA stated that USAA can open a closed account to make deposits but not to withdraw. That 's a clear sign of POTENTIAL FRAUD. I have not authorized anyone to transfer any money from or to any other account. I do not know of any SUPPORT THE TROOP accounts. I have provided proof of this FRAUD & USAA still chooses to hold me responsible for an issue in which USAA has n't provided any authorized transaction on my behalf. I have been calling for the past XXXX days about this matter. No one can show from where & to the money was transferred. There is a clear case of FRAUD & EMBEZZLEMENT. PLEASE HELP ME WITH THIS MATTER.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report on XX/XX/year> and noticed an inaccurate reporting on my credit file. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item to ensure accuracy. Below is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX  account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. It seems like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person. I was also told thatXX/XX/XXXX had a breach. I am deeply concerned because I don't know if I was impacted by that also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit report I noticed an account I do not recognize from Jefferson Capital LLC. I asked for verification of this account via certified mail on XX/XX/2020. I never received a response and this company continues to report an inaccurate account on my credit report. They are not following Metro2 reporting compliance.
Product: Credit card

I got a debt card for chase bank with an account ending with XXXX. 
I do not have an account with chase and you can not talk to a human on their system.
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 those violated
Product: Debt collection

The company Caine & Weiner is attempting to collect a debt from me. In which case I do not know this company and I do not have a contract with this company. I am looking for immediate remove of the following account which is not mine nor is this account associated with me ; XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 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. Delete these inquiries due to violation of 15 USC 1681b 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I told this company that I oweprosper to shut the card off after they charged me a first fee of {$40.00} and the a merchant fee of $ XXXXwhen I would pay my monthly payment and ask why theyd hit me with {$80.00} so that my balance was never paid down..and when I was a day late still the same {$80.00} but {$40.00} then {$40.00} I told them to shut the card off immediately and I made my last payment in XXXX because they never shut the card off and the balance never went down..its ridiculous..nowhere in the small print did it say charges would be that high..do not use prosper
Product: Credit card or prepaid card

The amount on my card is from XX/XX/2022 I never received the item Chase refuse to resolve {$16.00} I had to waist time and stressed caused by chase Their customer service are wishes from XXXX XXXX dont speak well English and just rude and unwilling to help