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

XX/XX/2018 I called Transunion and faxed the requested identity theft reports from the Federal Trade Commission and was told that the items would be disputed. I informed the representative that I was not trying to file a dispute, that the listed items were fraudulent accounts that resulted from identity theft. I spoke with a representative today and was told the FTC reports " did not meet their procedures for blocking accounts. '' I asked the rep to send validating documents that were used to verify the accounts, which I was informed they couldn't send. I'm just frustrated not only was the US supervisor ( rep ) speaking in a very rude manner, but I just don't feel it is fair for these accounts to still be reported when they do not belong to me. I couldn't even get the addresses linked to these accounts. I've previously tried contacting the creditors directly to no avail. They sent bills, no contracts with signatures or anything so I'm thinking the accounts were possibly opened electronically.
Product: Credit card or prepaid card

There are two XXXX XXXX XXXX fraudulent opened accounts reporting by Experian credit bureau. I submitted valid police report at XXXX XXXX police department and FTC identity theft report sent to Experian to block/remove this two fraudulent accounts from my credit report under CA Civil Code Section 1785.16 which states : " when consumer submits valid police report or a valid investigative report, the consumer credit reporting agency shall promptly and permanently block reporting any information that consumer alleges appear on his or her credit report as a result of identity theft ''. I contacted Experian and their representatives based on the documents and the statement that I made keep rejecting my documents. Please resolve this issue on my behalf by removing two XXXX  XXXX XXXX fraudulent accounts from Experian credit report.
Product: Debt collection

Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear Experian Dispute Team, I am writing to formally dispute and request the removal of an inaccurate account reported on my credit report by XXXX XXXX. I have no knowledge of this account, and the reported information contains significant discrepancies that are negatively affecting my creditworthiness. Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2020 Opening Date as per Experian : XX/XX/2020 I want to emphasize that I have never opened or used an account with XXXX XXXX. The inaccuracies in the reported opening dates and the existence of this account at all raise concerns about the fairness and accuracy of the information provided to credit reporting agencies. The Fair Credit Reporting Act ( FCRA ) places an obligation on credit reporting agencies to ensure that the information contained in credit reports is accurate and up-to-date. Discrepancies and inaccuracies in credit reporting can have a substantial impact on an individual 's creditworthiness, which is why it is crucial that such information is reliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Mortgage

I am an XXXX service member and XXXX in XXXX of XXXX. When we arrived in the area we purchase a house for {$190000.00} and by XXXX the value had dropped dramatically. I am now set to transfer to XXXX in XXXX of XXXX and can not afford to keep the property so I started the process to sell my house in XXXX of XXXX, thinking that two years was more than enough time to sell before leaving. I know I will never be able to sell the property for as much as I paid for it so I requested a Short Sale through my then mortgage company. After a couple of months of waiting for a reply from them and listing the house for sale, that mortgage company sold my loan to another mortgage company and in the process lost some of the documents causing the buyer we had for the property to back out because they were taking to long. We then got back on track with the new company trying to sell the house. The last appraisal was done in XXXX of XXXX stating the house was worth {$76000.00}. We listed the house for {$100000.00} and received an offer at that price. Now almost a year and a half into trying to sell this house and not go into foreclosure, my now mortgage lender says they need to net {$140000.00} to approve the Short Sale. I have never missed a monthly mortgage payment and can not afford to in the future because it will affect my security clearance and my job. I do n't know what else to do. We have been very patient and done everything this company has asked. If I foreclose on this house it will affect my career and family and that is the last thing I want to do but come XXXX of XXXX I will not have a choice and will be forced to foreclose. I would very much appreciate any assistance you could offer. Thank you.
Product: Debt collection

Hello, Upon reviewing my credit report I realized that CB/Victorias Secret is being reported as a closed/charged off account. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a XXXX from Victoria Secrets. This is a violation of 15 USC 1681eb. I demand that this inaccurate information be removed from all 3 credit reports.
Product: Credit card or prepaid card

This is my 2nd complaint against Capital One for the exact same reason. 

I have been repeatedly denied a credit line increase on my Capital One credit card account. I have made all payments on time ( aka no late payments ) the life of the account and have paid my account in full the past few months. I have made several inquires into why I 'm being denied a credit line increase via email, chat, and phone. Each time I inquire as to why I 'm being denied a credit line increase I am told that the customer service/customer service supervisors can not help me and to read my letters of denial. The denial letters I 've received give no explanation as to why a credit line increase is being denied except that my " account is currently being reviewed at the current credit limit ''. I have contacted the company via chat - I 'm giving 'canned ' responses, I 've contacted consumer affairs for Capital One - no one responded. 

I filed a Better Business Bureau on this same issue about two years ago, and again I 've filed another complaint this past week. I am not being provided with a valid reason why this credit line increase is being denied, nor is Capital One providing acceptable customer service on this issue. I believe I may be being retaliated against by Capital One because I filed a complaint with the BBB two years ago, and fear this retaliation has and will continue as I was forced to file yet another BBB complaint and now another CFPB complaint as well.
Product: Credit card

Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains.
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: Checking or savings account

I received a opening account bonus of {$200.00} on XX/XX/, opened the account on XX/XX/, received a direct deposit on XX/XX/, and met all the requirements of the bonus. The bank app showed I met the requirements and would get the bonus within 14 days at that time. But chase never gave me the offer bonus, even on multiple attempts of being contacted.
Product: Debt collection

I asked was the debt sold to a collection agency. The debt collector was tryng to coerce y child a minor into paying the debt. She is XXXX. I tried to work out the details of the debt to pay it and she refused and told me I better pay up or she will ruin my credit. I want the debt removed from my credit and ill pay for deletion on a negotiated amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX XXXX days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

Credit report agency is reporting inaccurate false information.
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 : # XXXX, XXXX XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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: Credit reporting or other personal consumer reports

My information with equifax has been breached here is the proof
Product: Credit reporting or other personal consumer reports

I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, account attributed to entities like XXXX XXXX  do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. This account never belonged to me.
Product: Credit reporting

15 USC 1681s ( a ) ( 1 ) authorize the Federal Trade Commission to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. Experian is not in compliance with 15 USC 1681i ( 5 ) for the treatment of inaccurate information for XXXX XXXX and XXXX XXXX XXXX. They have have denied reinvestigation of dispute of report number XXXX on XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX **** Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have been oppressed by this company and humiliated for far too long. I have found this company violating my rights as a consumer. On many occasions I have been harassed by phone, They are falsely representing a debt that has already been paid for when my credit was extended. I request my payment of {$19000.00} be redirected to me.
Product: Credit card

Filed dispute # XXXX on XX/XX/year> with Capital One against merchant XXXX on a canceled flight with charge of {$550.00}. Dispute was denied and closed on XX/XX/year>. My sister, which was on the same flight with me, also filed her dispute XXXX against the same merchant with Capital One on XX/XX/year>, her dispute was resolved on XX/XX/year> and she got her full refund back. We have uploaded same kind of supporting documents ( airline has supplied us with XXXX of XXXX XXXX ) to Capital One secured link. I have called Capital One and was told to uploaded a letter to request explanation of different outcomes of these XXXX disputes, i uploaded the letter on XX/XX/year>. I felt my dispute was not fully inspected by Capital Once, I received request to upload supporting doc on XX/XX/year>, which i did on XX/XX/year> and within less than XXXX hrs, the dispute was denied and closed. I want to know why is my dispute is denied while hers is approved.
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 confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX, Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have 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 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

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

Consumer Name : XXXX M XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX Bank on XX/XX/XXXX under the account number XXXX, a XXXX XXXX  account opened on XX/XX/XXXX under account number XXXX, an XXXX XXXX account opened on XX/XX/XXXX under account number XXXX, and XXXX XXXX  XXXX account opened on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt and to my knowledge they have never provided me services nor goods. My rights were violated under section 809 of the FDCPA
Product: Debt collection

CRA violation no knowledge of inaccurate accounts on my Experian credit report. FTC ID Theft report # XXXX
Product: Credit card or prepaid card

At  XXXX  on  XXXX   XXXX  I received an email that was made to look lik e it came from Wells Fargo ,  confirming a trip to  XXXX   XXXX   XXXX   XXXX   that  was booked with m y Wells Fargo cred it card for  XXXX   XXXX  through  XXXX   XXXX . The email had my name, and the la st 4 digi ts of  my Wells Fargo C redit card, links that sent me t o wellsfargo.com, whi ch I later found was routed through a google search to the wellsfargo.com help page, and had a toll free number to call if the charge looked fraudulent.   I called the number, and it was an exact match o f the Wells Fargo call in line. Same automated service, same hold music and I was greeted the same way I am greeted when I typically call Wells Fargo. I was asked for my name, SSN, and then my account user ID. I gave my name and SSN, but when he asked for my user ID, I became suspicious that I was not actually speaking with Wells Fargo so I told him that I did not remember. After questioning me why I did n't remember, he eventually said that he was going to escalate this to his manager. When she came on the line she asked for my name again, and the last 4 digits of my SSN, which I gave. She then said that my account was on hold, told me there had been a large charge recently on my account, and asked if I could tell her any of the recent amounts. I told her I did n't know, because I rarely use the card. She told me the most recent total and airline it was booked with, then asked if I had booked the trip. I told her no, she said she would deny the charge, and asked me if I would like to take my account off hold. I said absolutely not, and said I wanted the card canceled. She said that all  she could do was keep it on hold, so asked if there was anything else she could do for me. I told her no as I realized what information it was that I just gave to someone I knew was a scammer. I asked for her name, and she mumbled out a generic sound. I asked her a couple more times and she finally settled on  XXXX .   
I got off the phone and immediately got my Wells Fargo card and called the number on the back. The Wells Fargo associate I spoke with got into my account and immediately let me kn  ow that there had been  XXXX  charges that were flagged, and proceeded to confirm which charges were mine. He then closed the account, let me know where to send the e-mail s  o Wells Fargo can follow up, and set up a new account for me.
The questions the Wells Fargo associate asked was exactly the same as I got from the scammers, which led me to believe that they were recording my answers, and planned to call Wells Fargo and play my answers in order to get the charges approved.
I have since updated all my passwords, put a 90 day freeze on my credit, and called all the financial institutions I work with to set up 2 part verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.