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

Fraud Collection Scams : I received collection notice dated XX/XX/19 from suspicious collection agency for XXXX XXXX XXXX in the amount {$270.00}. Notice has residential address incorrect, although postal service delivered to my current mailbox. Incorrect address on collection notice : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. This is not my address. 

Issue is this notice is invalid, and I should not be receiving. I moved XX/XX/2019. Prior to my move, I telephoned cable provider ( XXXX ) requesting my account be closed. I had returned all XXXX equipment. I asked if any balance was due, owed on account. XXXX Customer Representative stated my account had {$0.00} balance, and I owed nothing further on account. Phone call ended. 

I have concern for fraudulent collection scams, abuse and misuse of personal identity information to create false collection. 

Received collection notice from : Credit Management, L.P. ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TX XXXX ; Phone XXXX, Client # XXXX
Product: Credit reporting or other personal consumer reports

Ive identified accounts and inquiries on my consumer report as a result of identity theft. Attached you will find the FTC report, my consumer statements, and my identification proving my identity ; items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail.
Product: Debt collection

Midland Credit Management , Inc. is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with Midland Credit Management , Inc . I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. Midland Credit Management , Inc. is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Checking or savings account

This is a complaint regarding Citizens Bank. 
On XX/XX/2018 we received an email congratulating us on opening Mobile Banking and XXXX Account. I immediately contacted the bank to advise them we did NOT request either service. Bank Rep XXXX said ... it was good I called as this had just happened within a hour of my call and all was okay on our accounts..but, we needed to change our user id and password. XXXX gave me a new ( per his words ) fail proof user ID and we changed password. 

Thinking all was fine I did nothing else until on XX/XX/2018.We are retired and our pension payments go into our account on or around the first of the month. When I went in to account to see if our pension checks had been posted I noticed they were but, the balance as extremely wrong. I scrolled down and saw there were two checks issued on XX/XX/2018 to an unknown person and they were both cashed and deposited into a credit union in California??? I immediately called the bank. The rest of the story is in the attached document.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}
Product: Checking or savings account

We received a call from a number that said it was chase. The man on the line told us that our account had been hacked but chase would help us. The person turned out to be a scammer and took over {$4000.00} from our account using XXXX. When we called chase trying to get our money back they told us no. The reason was the money was taken using zelle. Chase bank specifically told us that yes we were victims of fraud but it was not their problem. We spend days going to the branches and also on the phone only to be told that they dont run XXXX XXXX We ended up closing our account due to the lack of trust we had for the bank. This happened on XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/year>XXXX XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( XXXX XXXX Transunion, 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, etc. ), are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : 1. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
XXXX. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXX XX/XX/XXXXXXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXX XX/XX/XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XX/XX/XXXX), Federal Trade Commission ( FTC ), and the Attorney General. 
XXXX. Retain the services of a consumer attorney to pursue legal action. 
XXXX. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave m XXXX, Equifax, and XXXX no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and notice some things are incomplete and not accurate. and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter asking for an investigation and the information used to add this account to my credit report. I have made 4 attempts since XX/XX/2021 and I have not received any information regarding this account XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am the consumer. After discovery and review of my consumer report, I found that Transunion has reported information on my consumer report without my written permission which is a form of Identity theft. The law clearly states : " XXXX XXXX XXXX Permissible purposes of Consumer Reports ( XXXX  ) in General Subject to subsection ( XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates '' I never gave Transunion permission or consent to report any information on my consumer report and they have not provided documentary evidence to prove that I gave prior consent. No consent is identity theft. 

ACCOUNT ALLEGED AMOUNT XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX {$19000.00} XXXX XXXX {$5600.00}
Product: Credit reporting or other personal consumer reports

Account was closed and account information is still being reported as open with a balance. XXXX has placed account on credit report ( again ) after admitting that account was closed and paid off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.Inc. ) due to inadequate customers 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, Zero dispute process was Unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused Significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

In XX/XX/XXXX I spoke with a customer service rep who was assisting with my billing. I was canceling my service due to a move and the rep inform me of a XXXX $ balance. On XX/XX/XXXX my account was put into collections and I contacted who my billing was sent to which is " Diversified Consultnts '' and the customer service reps were no help and basically I was told to speak back with XXXX about my billing. Nothing has been removed and I would really like my credit cleared of this unknown amount, which is not and I have not even received a bill with this amount.
Product: Credit card or prepaid card

On XX/XX/2020 a credit in the form of a payment was posted to my American Express credit card account in the amount of {$4000.00}. 

That same day I immediately called American Express to inquire about the payment and reported to them that I did not make the payment. They investigated the payment with me on the phone and indicated that they could not tell me who made it and that it was listed as anonymous. I specifically asked them regarding charging against that amount / credit, because I was concerned it would be reversed, and was told that there was no reason they could see to not go ahead and charge against it. 

The payment / credit stayed on my account and they allowed me to charge against it for over a month. Then, without any advance notice, warning or explanation, on XX/XX/2020, I noticed they had debited/charged my credit card the {$4000.00}. 

That same day I immediately called American Express to dispute the debit / reversal of the payment onto my card. They stated that it was still under investigation, needed to look into it further and would not remove the {$4000.00} charge from my card. They stated that my call with them on XX/XX/2020 was recorded and they would need to review that call before taking any action, but repeatedly suggested that I might be responsible for the charges against that {$4000.00}. 

This was not my error. I called upon noticing the payment to report it and was told to charge against it. This card normally has a limit of only {$2000.00}. I have always paid this card on time, usually early. I would have never charged the card for this amount had it not been for the credit/payment they posted and if they had not indicated that it was ok to do, while continuing to let the credit remain on my card for over a month with zero indication that they would revoke it.
Product: Credit reporting or other personal consumer reports

Several months ago i was contacted by XXXX and XXXX who proceeded to violate my consumer rights first by falsely giving me the consumer the impression that they are a law firm, then pretending to have a business opportunity for me and solicited all my presonal information which violates the Privacy Act of 1974 and an array of Consumer Laws. They then retaliated against me as they sated they would, and deliberately negatively reported to the credit reporting agencies against my explicit verbal and written demands. The company willfully ignored all my lawful affidavits including a debt verification/validation request. As this context pertains to CFPB Complaint : XXXX, the credit reporting agencies were made aware of this Several months ago but continued to furnish reports of an alleged debt i have no awareness of, and by fact of law, one that was dissolved under Legal Maxims of Consumer laws, and contractual laws when XXXX XXXX  XXXX Failed to respond to the lawful affidavits in the lawful alloted time, thereby dissolvingany obligations i have to this alleged debt. The account was disputed multiple times and is still being negatively reported on my credit file causing injury and binding of my contractual powers presently and henceforth. As the credit reporting agencies have had multiple opportunities to remove the debt. And has conducted and concluded multiple investigations already in good faith they can not be granted more time. Therefore, the conditional/ contractual stipulation of the 48 hour period at the time it was stated is within my contracting powers according to Uniform Commercial Code and the United States Book of Codes. I do not consent to the credit reporting agencies anymore time. My contractual terms are still stands. I Therefore reject the offer, or request of the credit reporting agencies for more time. with facial relevance- this is a NOTICE OF NO CONTRACT. OFFER REJECTED All Rights Reserved UCC 1-308.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX  XXXX XXXX  Account Number : XXXX Last 4 digit card number:XXXX Account XXXX, XX/XX/XXXX Account ClosedXXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my husband transferred money to my Venmo account because his instant transfer wasnt working. I tried withdrawing the money and it wouldnt allow me. I sent it to my son as well because I thought maybe it was just my computer. Then the money was transferred back to me. I tried to do the longer bank transfer and they informed me my account was frozen. There is {$1500.00} that they wont allow me to access. I contacted them through multiple ways explaining this is urgent because the money is needed to pay for medical expenses. No one seemed to care and said the money may be held for $ 180 days. I was told I would be contacted after I submitted my id. I did that and no one will respond to me. I have a family of XXXX  and {$1500.00} is an entire paycheck. I have read endless accounts of this company holding money or never giving it back at all.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( block, Inc. ) ue to inadequate customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Faile to take timely and effective Measures to prevent and address fraud on their platform, leaving my account vulnerable an unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun 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

My Information with Equifax has been breached and here is the proof. Equifax has refused to delete these accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX XXXX has reported my credit card account as delinquent through each credit bureau. The months/years it was reported delinquent are XXXX XXXX and XXXX XXXX. However, this information is inaccurate, as I am a victim of identity theft and fraudulent transactions were made to my existing XXXX XXXX credit card to cause this delinquency. The company has been informed of this and were provided sufficient documentation to include a credit card fraud affidavit and FTC Identity Theft report, proving there was fraudulent activity on the credit card account at or around the time delinquencies were reported to the bureaus.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX