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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair Practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX  XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/Natural Person. Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place.

The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act.

I shouldve been provided an Opt Out form in accordance with the GLBA 15 USC 6802 ( b ) for my Non Public Personal Information youre transmitting with non affiliated third parties.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all reporting collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. 

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ).

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account from ChexSystem Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX  violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please view FTC REPORT and proper identification attached. TRANSUNION VIOLATED FEDERAL LAWS
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

I have reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX  XXXX letter XX/XX/2023 and then on 2nd letter XXXX/XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through XXXX.
Product: Credit reporting or other personal consumer reports

The current SSN breach of XXXX XXXX. SSN is on the news and the advice to freeze credit is valid I feel but, Experian is using to garner money from users in a very deceptive way. after placing the freeze on an account the actual setting is buried very deep in the website after them asking for money several times. It took me almost a half hour to find it just to verify it was frozen. They want XXXX dollars a month to place a lock on your credit and I see many people being confused and mistakenly signing up for that. I actually wonder if they didn't cause this breach to steal money from people. The other XXXX bureaus are not doing the same thing at all. As a matter of fact XXXX has the easiest to navigate and deserves kudos.
Product: Credit card

I had lost my credit card on XX/XX/XXXX and reported the card lost/stolen shortly after. There was XXXX transactions in total one for {$4900.00}, XXXX for {$44.00}, XXXX for {$40.00}, and the other one for {$43.00}. Once I reported these charges as fraud, the bank adjusted the purchases and my statement was back to {$0.00}. On XX/XX/XXXX I noticed that the charge for {$4900.00} was on my statement now, I thought it was an error and they would fix it but it stayed on my account. On XX/XX/XXXX I called about the charge, and the representative told me that the charge was filed back on my account due to it being suspicious because of a previous fraud charge on my account that had similar circumstances. This was the only piece of evidence they informed me about that they used to reach their conclusion. They only filed back the fraudulent charge of {$4900.00} but not the other ones which occurred on the same day which is strange.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Debt collection

Transworld systems inc, XXXX XXXX. This account is not mine, I have successfully disputed before but they just keep changing the company used to report the debt and try to collect on SOMETHING THAT ISNT EVEN MINE!!!! I have zero absolutely zero to do with this account Ive asked for proof Ive asked and asked nothing, growing very upset.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my XXXX  credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and XXXX   and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to XXXX about this not being me that attempted to establish a line of credit with this company. XXXX   has refused to do anything.
Product: Debt collection

In XX/XX/XXXX i recieved a collection notice and harrassing phone calls from Renton Collections since I HAD never received a bill for any debt ... ... 
I contacted the creditors listed on notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX.. who uses a billing service called XXXX. 

XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Spoke to a representative named XXXX The biller did not get the insurance information and in fact HAD the wrong home address for me in order to even send the bill .... 
XXXX XXXX evidently did not secure that information from the Hospital ... .although insurance and myself were successfully billed by hospital and other contracted service such as lab work. 
I corrected the information with XXXX whom then told me XXXX would in fact pull this item out of collection since this was in error. 
In XX/XX/XXXX, I received yet another call from collection and notice I informed on call this was taken care of as insurance was just billed in XXXX. Again I called XXXX who went over my account said yes this was supposed to be PULLED out of collection we reviewed that all information was correct. and confirmed a phone # for my insurance and was assured this situation was taken care of. 
In XXXX I received an explanation of benefits showing MY insurance DID in fact pay this bill to make sure i did not owe any i waited 2 weeks and called XXXX a third time they assured me it was PAID IN FULL and was NOT in collection. 

In doing End of year financial items i see a derogatory mark on my credit reports for FULL amount plus interest from XXXX of {$1100.00} plus interest from Renton Collection. 
How do i owe something already paid and confirmed by my insurance carrier? 

I sent a letter informing Renton Collection that this is in FACT paid in full and if they have an issue to contact XXXX XXXX emergency medicine or biller XXXX. 

Today XX/XX/XXXX I received not one but 2 bills for {$1200.00} dollars a bill I DO NOT OWE. 
I want this corrected and any mark taken off my credit record. 
This is illegal going after a bill that has been PAID in Full
Product: Credit card or prepaid card

On XX/XX/2021 I purchased keratin bond hair extensions online from a website called " XXXX XXXX '' for {$840.00}. I received the hair extensions and had them installed by my hair stylist. The extensions felt rigid and hard in my hair and I asked for the extensions to be removed. When my hair stylist sprayed the bonds with the solutions provided, the bonds went from being clear to a milky, white paste and had a glue-like consistency. The process of removing the keratin bonds was extremely painful. I purchased these hair extensions because they were marketed as keratin bonded, which should be an all natural hair protein and it clearly was not. I contacted Chase on Monday, XX/XX/2021 and was told since the product had been utilized they could not file a dispute. I do not see how that provides the consumer any protection as the goods I purchased were not as advertised. I would like a full refund and I would be more than happy to send the remainder of the hair extensions back to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the recent publicity about the Equifax security breaches, I contacted Equifax to freeze my information. It appears that Equifax took my money, but failed to freeze my information. My mortgage broker provided me with a credit report response from Equifax more recently than the requested freeze. Additionally there are a number of items on the report I would like to dispute, but phone number the company provided was not answered by a live person, so there was no other way to submit my concern except to wait on the phone indefinitely or pay more money and submit the concern by mail. I called several Equifax numbers and was repeatedly transferred and placed on hold.
Product: Bank account or service

Almost a month ago my account went negative and I was immediately assessed fees. Before I could get back on my feet and cover any of the charges, the bank continued to allow charges to go through and while doing so assessed fees each time. I have been charged over XXXX fees adding up to more than XXXX dollars. I had a XXXX account with them and they took the money I had out of that account to cover the balance without any warning causing my other account to become negative. They XXXX charged XXXX fees to that account as well. I have not been able to catch up and they took all the money that I did have, so now I am unable to do anything at this moment. I can not even pay my rent. The XXXX time I called about the fees, they refused to help me at all.
Product: Credit reporting

I was trying to get a credit report through XXXX and it seems that my social security number is not matching with my name or anything of my identity. I do n't know what the problem is but I want to improve my credit and pay on my credits but I can not if I cant get down to the bottom of things if I have been identity theft or not. Please respond as soon as possible. Thank you.
Product: Checking or savings account

Ive tried numerous times to call Wells Fargo and have them explain to me. Why do I have overdraft fees, and check return fees? No one was successfully able to explain it to me with common sense. They purposely waited until I got into a certain amount of funds and then release the charges so I can overdraft. Sure instance a XXXX dollar XXXX charge should be deducted that same day, but they would wait a week just so I could be at a certain amount to charge me extra for overdraft. As I explained it to them, they were doing this they act dumb Founded.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XXXX XXXX at XXXX XXXX  I received a text message from Central Portfolio Control Inc. " a licensed bill collector '' asking me to contact their office at a specified number. I did an internet search to verify legitimacy, found the official website, and called them from a number provided there. I was connected with an agent that confirmed my name based off the number I was calling from. They began to try to confirm my identity further by listing the address and birthdate they had on file. All the information, except my name and an old address, was not a match to their account. Despite this the agent wanted me to pay the bill and he offered me a credit if paid within the next 48 hours. He said if I didn't pay it would damage my credit. I told the agent I wanted to call the medical company to verify if I had any unpaid bills that had been sent to collections. I called the medical company and they said all my accounts were paid and closed. I called the collections company back and spoke to a different representative and explained what had happened so far. She said that I was not a match to the person on the account based off the different birthday and other information. I asked if my name and credit would be affected She said the debt was not mine so it would be closed. I'm frustrated that I wasted the entire morning trying to track down a debt that was never mine to begin with. If I was a more naive person I might have paid right away when I was threatened by the first agent who said I should pay despite the fact that my information was different from the person they had on file. I did my best to confirm this was a legitimate business before I called but I still can not shake the feeling I was dealing with scammers making fraudulent claims and I'm concerned about the fact that they have any of my personal information at all.
Product: Credit card or prepaid card

i have tried multiple times to pay off this card and close it and they keep adding fees to close acount and this fee and that fee just recently my payment was due on XX/XX/XXXX i paid it on XXXX third more then amount asked for and they charged me a late fee on the third for a payment i made on third i called again trying to pay off this account mind you its a XXXX credit card i have been told they are having trouble and cant close it at this time again now they are saying they want all these fees for closing account when all said and done they wanted XXXX bucks when card is only for XXXX credit and i have available credit on it so balance is under XXXX dollars i need help the fees im being charged are uncalled for and all i want to do is pay it off and close it but they keep making it a night mare capitol one credit cards are ripping consumers off with un necessary fees and