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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX  days ). Please let me know if you require anything else. Please remove the following items as soon as possible : 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 XXXXXXXX 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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Product: Checking or savings account

- Without my knowledge and authorization, Bank of America charged me for the " Check Image Fees '' as " Bank Charges '' for the months of XXXX, XXXX, and XXXX of 2023, {$3.00} for each month with the total of {$9.00}. 

- Upon noticing it, I called the bank in the month of XXXX and asked for refund. Bank refused to return without any reason. 

- At the same time, I requested the bank to remove any online banking settings that would initiate such charges. Bank confirmed that they removed it. 

- There were no such charges for the month of XXXX, XXXX, XXXX, and XXXX of 2023. 

- Once again, to my surprise, the same charges were again applied to my account for the month of XX/XX/2023. These charges were not authorized by me. 

- I called the Bank of America twice to resolve this issue. The representative that I talked to were unable and unauthorized to remove these charges. They were also not able to connect me the supervisor or any other higher authority who can discuss this issue with me and resolve it. 

- I was left with no other option but to escalate this issue to all the relevant government authorities who can help resolve this issue. 

XXXX Bank of America chose to completely ignore me, I feel very helpless. That should not be the case. Bank should be held accountable for their actions. 

- I need someone to help me.
Product: Student loan

Sallie Mae wants XXXX $ / month. I can not pay this with my other bills ( car insurance, phone, credit cards ) My Mom is the Co-signer & she is stretched to her limit too, already paying XXXX $ /month for my Parent plus loan, & XXXX $ / month for other student loans I incurred & XXXX is my brother 's. She 's a single Mom & is enrolled in a debt consolidation program for debt incurred in my first year of college in XXXX. She 's afraid Sallie Mae is going to sue her & put a lien on our house. Both myself & my brother still live with my Mom. ( Ages XXXX & XXXX ) We both make minimum wage. What can we do?
Product: Credit card or prepaid card

Inquiry Ref . No. :  XXXX  Establishment Name :  XXXX   XXXX   XXXX   XXXX   XXXX  Disputed Amount : {$5400.00}  01.  I specifically requested front desk to not authorize any room charges by any means.  XXXX  front desk assured it would be done.  (   XXXX  did not provide adequate service and failed to provide the request. I believe Foul-Play was involved )  02.    XXXX   did not provide me with any other details of  Hotel Policies , Room Charges or anything when I checked in.  (   XXXX  did not provide adequate service and failed to provide pertinent information. )  03. I  did not provide any authorized amount at the time of check in. But on the receipt that  XXXX  shows, it magically has an  " Amount Deposited ''   that pretty much accurate to the total amount at the end of check out. How does that happen? ( It ca n't be coincidence.  ) 04.   XXXX  claims that I 've signed documents at the end of check out. I was not physically at the property to check out nor did I sign anything at check out. I left early due to a family emergency. Also the signature that was provided has a different  stroke  and is off.  (  Fraudulence is involved ... )  05.   Any room charges, should have been double checked by  XXXX , notified the authorized personnel or customer that was staying in the room & should have had receipts other than the last check out statement, which I was not there to see or sign.      06.  I am willing to compromise and pay for the room but not the extra charges as I did not benefit or use those extra services ... My prepayment charge for the hotel stay was {$1100.00}.
Product: Credit reporting or other personal consumer reports

Experiences and XXXX are reporting previously disputed things on my credit report. My information has been compromised and they are refusing to take off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cashapp failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was u fair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Tranfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Accounts and Hard Inquiries Report Number : [ Insert Report Number ] Date of Report : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of the following negative items on my credit report : 1. Collections Accounts : XXXX XXXX XXXX XXXX XXXX : {$960.00} ( Original Creditor : Independent Emergency Physician ) XXXX XXXX XXXX : {$660.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Hard Inquiries : XXXX XXXX XXXX : Inquiries on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
XXXX XXXX : XXXX on XX/XX/XXXX. 
XXXX XXXX : XXXX on XX/XX/XXXX. 

I believe these items are inaccurate for the following reasons : XXXX. Failure to Verify Debt Properly ( Fair Credit Reporting Act - FCRA 15 U.S.C. 1681s-2 ) : Under the FCRA, data furnishers and credit reporting agencies are required to ensure maximum possible accuracy of the information they report. I demand that you provide full documentation and verification from the original creditors or furnishers proving the validity of these debts and inquiries. If you can not provide this documentation, these items must be removed immediately from my credit report.

2. Unauthorized Inquiries ( FCRA 15 U.S.C. 1681b ) : Credit inquiries can only be conducted with my express permission. I did not authorize the aforementioned inquiries. Therefore, under the FCRA, these inquiries were illegal and should be removed from my report immediately.

3. Right to Validation ( Fair Debt Collection Practices Act - FDCPA 15 U.S.C. 1692g ) : Collection agencies must provide written validation of the debts they are attempting to collect. I request immediate validation of the collections from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  If this validation is not provided, or the debt is found to be invalid, these collections must be removed from my credit report, and I will consider legal action for damages caused by the inaccurate reporting. 

4. Potential Legal Repercussions : Should Experian and the associated furnishers fail to comply with my legal rights under the FCRA and FDCPA within 30 days of receiving this notice, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. Additionally, I may pursue legal action for violations of the FCRA and FDCPA, which carry statutory damages of up to {$1000.00} per violation. 

XXXX. Request for Investigation : Under the FCRA, I formally request that you investigate the items listed above and remove any inaccurate, incomplete, or unverifiable information from my credit report. I expect to receive written confirmation of the results of your investigation within 30 days as required by law. 

I appreciate your prompt attention to this matter. Please send all correspondence to the address listed above. Failure to correct these inaccuracies will result in further legal action to protect my rights under federal law. 

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

They did not resolve the issue. I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY Fourth COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD. I HAVE USED THE RESET BUTTON AND I AM UNABLE TO ACCESS MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX XXXX. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.
Product: Money transfer, virtual currency, or money service

XXXX XXXX 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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 or prepaid card

I was approved for a Chase XXXX XXXX credit card with an {$8500.00} limit. The promotion was to spend {$4000.00} in the first three months to receive the advertised benefits.

I received the card and spent approximately {$6000.00} in the first couple weeks. I was consistently transferred to the fraud department for most purchases. 

After two weeks my card account was closed without logical explanation. I did not even get to one statement cycle to make a payment on the account. 

I feel the company advertised falsely to get me to sign up for their card and advertised aggressive spending for the first three months to reach the benefits, and once I did what they asked, they closed my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, it is stated in 15 USC 1681 section 602 that consumer reporting agencies, such as Transunion, XXXX and XXXX, have a responsibility to exercise fairness, impartiality, and respect for the consumer 's right to privacy. As the consumer, I have the right to ensure that my private information is not shared. This is supported by 15 USC 6801, which emphasizes the obligation of financial institutions, including those that furnish information to credit agencies, to respect customer privacy and protect the security of their nonpublic personal information. 

Additionally, 15 USC 1681 section 604 states that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. As the consumer, I have not provided consent for Transunion, XXXX and XXXX or the financial institution that furnishes information to credit agencies to share my information, and they do not have my written consent. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as stated in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to exercise a nondisclosure option. The financial institution did not inform me of this right. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in consumer reports, unless authorized under subsection ( b ), which does not apply in this case. Therefore, the reporting of this adverse item without my permission violates the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Transunion, XXXX and XXXX are obligated to maintain reasonable procedures, as stated in 15 U.S. Code 1681e, to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. It appears that Transunion, XXXX and XXXX are not fulfilling these obligations. 

Lastly, 12 CFR 1016.7 specifies that a consumer has the right to opt out at any time. I hereby exercise my right to opt out of your reporting.

Please take note of my requests and ensure that my private information is not shared or reported without my consent. Thank you.
Product: Debt collection

While reviewing a copy my credit report, I discovered that IC System Inc has reported a collection on my credit report. I do not have any knowledge of an account with IC Systems or any company they may be  collecting for. The company listed on the report says XXXX XXXX. I do not have any accounts with XXXX. IC System Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$140.00} and have failed to notify me of the debt or verify if it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Debt # XXXX
Product: Debt collection

I recently sent a letter to XXXX about the false information they were reporting and instead of removing the false information the company XXXX National Credit system ) updated it, when theyre clearly negligent.
Product: Credit reporting or other personal consumer reports

**Complaint Summary : ** I am filing a complaint against the credit bureaus for not removing fraudulent accounts from my consumer report, despite providing all necessary documentation, including a police report, FTC report, identity verification documents ( driver 's license, Social Security card ), and a dispute letter requesting the removal of fraudulent items. The accounts in question do not belong to me, and I have followed the proper steps to report the fraud.

**Detailed Description : ** I recently checked my consumer credit report and noticed several accounts listed that are fraudulent and do not belong to me. Upon discovering this, I immediately reported the fraud to the police and filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also provided copies of my drivers license, Social Security card, and a dispute letter requesting the removal of these fraudulent accounts. 

Despite submitting the necessary documentation, the credit bureaus have failed to take appropriate action in a timely manner. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block and remove fraudulent information within 2-4 business days of receiving notice of identity theft. The FCRA also allows for a 30-day period during which the bureaus can still conduct an investigation, but the fraudulent accounts must be removed or blocked within the initial 2-4 business day window.

I have not received any confirmation that the fraudulent accounts have been blocked or removed from my report. This is a clear violation of my rights under the FCRA. 

I am requesting that the CFPB assist me in ensuring the credit bureaus comply with the FCRA and promptly remove the fraudulent accounts from my report. I also request that any fees or penalties related to this violation be assessed and appropriate action be taken. 

**Documentation Provided : ** - Police report confirming identity theft - FTC Identity Theft Report - Copy of my drivers license - Copy of my Social Security card - Dispute letter requesting the removal of fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This was done on XX/XX/XXXX and was written to about this matter. Bank of America told that there would be an investigation and that I could not open any checking or saving accounts. The investigation took a year and I was given a letter stating that " opening checking and saving accounts are permitted '' to me. The amount was XXXX and it was from a closed account in which I had no knowledge. I have already spoken to Bank of America and they are supposed to send the letter within one to three business days. This complaint is to conclude this letter is sent for me to open checking and saving accounts and not to wait for the XXXX of XXXX of XXXX. This date was not told to me until I investigated this issue upon the XXXX  of XXXX of this  Year. I met with a Bank Associate and was told that this would be undone on the XXXX  of XXXX of XXXX. I need this copy of the letter stating " opening of checking and saving accounts is permitted '' to me. This issue was settled in XXXX.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Debt collection

My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX  XXXX XXXX # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : CAPITAL ONE N.A. 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXX IL Credit Card Payments Credit Card Payments - {$340.00}
Product: Mortgage

Green Tree Service was trying to ask for a large sum of money I didnt owe.I felt like it was fraud or something with all the money they wanted from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX This account is reporting on my credit report to all 3 credit bureau as Account charged off. {$22000.00}, written off. {$24000.00} past due as of XX/XX/year>. 

I have yet to receive a 1099-c form which I have requested. I am concerned this is some fraud going on with this account. Due to the reporting on my credit? If not actually written off why is it reporting as so on my credit report that is in violation of the fair credit act.
Product: Credit reporting or other personal consumer reports

Transunion has not follow the laws!! Account XXXX XXXX I have asked numerous time for the the ORGINAL ADDRESS we're this account and the contract for this account and XXXX XXXX has not been able to send me anything!!! Transunion has not send me anything.. I filled out all the forms and sent in and I have not gotten any response I demand this be removed from my account!! This account was open fraudulently.. I have not seen the contract that was signed.. I have no knowledge of this account!!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid in full a charge off from Wells Fargo Dealer Services. This closed the account and released the car title to me. In XX/XX/XXXX WFDS updated the reporting on this charge off to XXXX   as late that month. It is now reporting as a current late and has dropped my credit score 20 points. The account was closed in XXXX. It should not be updated as current. I have tried to correct this with XXXX, Wells Fargo Dealer Services, and now twice with CFPB.