23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

There 's a Florida address that belongs to a thief that took out a XXXX dollar loan in my name in XXXX! 
From the looks or this report, I believe he 's at it again. Never lived in Flordia, never took out a XXXX XXXX credit card? Seems like he took another loan out in my name in XXXX? 
Do n't really know what I can do at this point. The police told me in XXXX when he took out the first loan, that this man has been steeling identity for over 15 years, with never a conviction? So now 10 years later, he 's been stealing successfully for over 25 years! 
I 'm ready to give up and start doing what he is! Seems like a pretty good living! 
I refused to pay a bogus bill from XXXX in XXXX and it still shows up 11 years later? 
It seems to me that my XXXX score is not fair at all. 
Thanks, the real XXXX XXXX XXXX. XXXX
Product: Credit card

I asked for a Bank of America Credit Card account be closed. I was assured that it was closed. A recurring charge was set up from a vendor. I do n't intend to continue with service from that vendor. Bank of America reopened my account without my permission and processed a charge. I never gave them permission to do so.
Product: Vehicle loan or lease

This company illegally committed adverse action against me without offering alternative accommodations.
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that 3 credit bureaus are not interfering with records. I'm sending this Complaint to aid with drawing up a lawful response, as required by FCRA regulation 605b. If you do not object to the following items listed below, which are replying incorrectly due to fraud, I will turn over my records to my lawyer to commence a legitimate action. It's my intention not to pursue any valid activity, so if it's not too much trouble, follow the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. I would highly appreciate if you assist me to removed these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021, I went shopping and my debit card got declined. Checked my account and realized from XX/XX/XXXX XXXX XXXX over {$4000.00}  was stolen from my account. I notified TCF bank that day. They assured me they would go through my bank statements and dispute all fraudulent charges. On XX/XX/2021 I received a letter in the mail from TCF Bank dated from XX/XX/XXXX, stating they would refund {$150.00} of the XXXX}. The other charges were considered normal account behavior and were denied. All of these charges are from the same place. They are all fraudulent and can not only refund some but not all. On XX/XX/2021 I tried calling TCF dispute services. Their automated services hung up on me and transferred me to many different departments and branches, none of which were dispute services. Everyone I talked to told me they cant help with my situation. I then called TCF Bank in my hometown to hopefully find a correct number. The manager of the bank couldnt find the correct number in their OWN system. All of these charges are from XXXX XXXX and XXXX trip. Where I live doesnt even have XXXX at all.
Product: Checking or savings account

I am writing to complain about claims I made with bank of America regarding the total amount of {$9700.00} charged to my debit card on various dates. These charges were made after I lost my Bank Of America debit card back in XX/XX/2021.. Below are the unrecognized charges that occurred on XX/XX/XXXX : XXXX : {$150.00} ( XX/XX/2021 ) XXXX  : {$20.00} ( XX/XX/2021 ) XXXX  : {$170.00} ( XX/XX/2021 ) XXXX  : {$1700.00} ( XX/XX/2021 ) XXXX  : {$7600.00} ( XX/XX/2021 ) I received a call from Bank of America XXXX XX/XX/XXXX, to confirm some changes made on my card, and as the agent was going through them I was not recognizing any of the charges. 

The BOA agent opened a claim that day and canceled my lost debit card and ordered a new one for me. He also told me that a couple of charges was being made with my card for a total amount of {$9700.00}. But he will open a case and that my money will be reimbursed while investigations are being conducted. 

I will like to reiterate that I have not initiated the above-said transaction made on XX/XX/2021. However, the original claim I made, had a mistake on one of the unauthorized transactions. Hence, I would like to file a new claim on the unauthorized transaction from XXXX and XXXX only, as I could not recall the exact date where I entered my pin at XXXX. 

I am appealing to Bank Of America to reconsider their decision and to keep their promises of paying me all that money back while they are still pursuing their investigations. Also, you have all the recordings of my communication with your co-workers to verify the veracity of my claims. 

I have tried XXXX attempts to solve this problem with Bank Of America in vain, instead of solving the issue they closed all my account related to them without telling me the reason. 

Hope to hear good news from you as soon as possible because I am relatively irritated and frustrated about this ordeal.
Product: Debt collection

A company called " Convergent Outsourcing , Inc. '' continues to send letters requesting payment for {$1100.00} for an account I never had and purchases I never made. I have never heard of this company or the merchant they claim to represent. I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Product: Credit card or prepaid card

On XX/XX/2020 I used my Citi XXXX XXXX credit card to purchase 2 airline tickets to XXXX. Days later flights were cancelled due to COVID-19. I initially disputed one of the charges with Citi to get a refund ( which I eventually did on a ticket ending in XXXX ). The other charge of XXXX I was told to go through XXXX XXXX. XXXX eventually changed their policy to issue actual refunds rather than just airline credit. On XX/XX/2020 XXXX XXXX sent me a notification that a refund was being issued for a ticket ending in XXXX and that it could take XXXX days. About 2 weeks after that, I emailed and called Citi asking if there was a reason for the delay. To this date I have not been issued that refund. I have continually placed a dispute on this charge which has been responded with too much time having passed and not having a current receipt. This additional charge has caused issues with my credit score, additional lines of credit, and the credit limit for this card being reduced as well. Also, XXXX XXXXXXXX during the pandemic has been added as I have not been able to access this money.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$3000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

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

This is a not a duplicate complaint, I am a victim of identity theft and I have filed Identity theft police report and FTC report for this matter. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Account Number : XXXX is resulting from the identity theft that should be blocked. 

Please block and REMOVE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent item is circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information. 
Fraud account must be removed from my report immediately.
Product: Debt collection

Stop contacting me over XXXX  XXXX credit card account thats isnt mine!
Product: Credit reporting or other personal consumer reports

According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your XXXX  loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my XXXX  loan records nor did I give consent for XXXX to contact me regarding any finances or my XXXX XXXX They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the entire credit card balance of {$10000.00} off bringing the account to {$0.00}. On XX/XX/XXXX I received an email that my credit card statement was ready and there was a new charge of {$160.00} in interest applied to the balance owed. I contacted CapitalOne Customer Service today on XX/XX/XXXX to inquire about the charge and to ask this be removed. I spoke with XXXX, the CSR who passed me to a supervisor as she ( XXXX ) was unable to remove the interest fee. 

The supervisor indicated she could not waive the fee and the interest charge was applied on XX/XX/XXXX, the same day as my payment posting. This can not be the case as I logged in to my account 2 times after my payment posted ( on XX/XX/XXXX and XX/XX/XXXX ) and the account was showing a {$0.00} balance. This interest charge had to have occurred after XX/XX/XXXX and the account supervisor is not providing accurate information. 

I would like to lodge a complaint against CapitalOne based on on deceptive and unfair practices and will continue pursuing my request for CapitalOne to remove the charge. I have documentation showing the date the balance was paid, the date the interest was charged and also documentation showing the dates I logged in to my account to view the balance. 

Thank you for taking the time to review this complaint and please let me know if there are any questions or if any additional information is needed. 

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

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... Transunion, XXXX, & XXXX to this date XXXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over 18 hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Product: Debt collection

Certified letter sent on XX/XX/2023 requesting the info below : Name and address of the alleged creditor 2. Name and address of the alleged debtor 3. Alleged account number 4. Amount of alleged debt 5. Date ( this alleged debt became payable ) 6. Date of original charge or delinquency 7. Copy of original contract or agreement with original signatures 8. Provide copy of my signature with the provider of services to release my medical information to you 9. Was this assigned to a debt collector or purchased?

10. Amount paid if debt was purchased 11. Commission for debt if collection efforts are successful The collection company did not respond and did not provide any of the information requested.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( XXXX ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXXXXXX XXXX  XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Credit Card was charged off and a 1099-c was sent out in XX/XX/2018. The credit card company continues to report a balance to credit bureau after 1099c was sent
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a claim 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 or other personal consumer reports

XXXX XXXX XXXX allegedly purchased a contract that i previously had with an auto dealer they refused to send proof of purchase and refused to show anything to show they owned it and the dealer lied about who they were originally, i never gave THEM my ssn, I have no idea how midatlantic got it ans because of the amount of money the dealership charged me they didnt need my social nor was reporting to the credit bureau prior to midatlantic purchases the account so this us identity theft and disclosure of my information to a 3rd party which is AGAINST LAW 31USC SS 3123,
Product: Credit reporting

This account from XXXX and XXXX is more than 7 years old. I requested they remove it or show me proof of the debt and they just told me it was verified. No proof was given.
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX-XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX