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. I need the items to be removed ASAP for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  I Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I paid a personal loan plus XXXX XXXX XXXXnterest in 6 months to Republic Finance of XXXX XXXX Texas. They have reported a delinquency to XXXX  violating the Fair Debt Collection Practices Act. They are trying to collect interest on a balance that paid years ago. Sincerely yours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This reporting agency has repeatedly failed to maintain accurate and consistent information on my credit report. This widespread inaccuracy demonstrates a clear failure to adhere to their legal obligations under federal consumer credit laws, including : 1. Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) - Requires credit reporting agencies to ensure the accuracy and completeness of information. The numerous inaccuracies and inconsistencies across my credit report suggest a failure to properly investigate and correct erroneous information.

2. Fair Credit Reporting Act ( FCRA ) 605 ( c ) ( 15 U.S.C. 1681c ) - Limits the duration that negative information can remain on a credit report. Potential re-aging of accounts, as evidenced by inconsistent " Date Last Active '' entries, violates this provision by potentially extending the negative impact on my credit report beyond the allowed time frame.

3. Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ) - Obligates furnishers of information to update and correct inaccurate information. The persistent reporting of inaccurate information by the creditors or collection agencies reflects non-compliance with this requirement.

4. Fair Debt Collection Practices Act ( FDCPA ) 807 ( 15 U.S.C. 1692e ) - Prohibits false, deceptive, or misleading representations. Inaccurate reporting of account statuses, balances, and dates constitutes misleading information that can significantly impact a consumer 's creditworthiness.

5. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) - Protects the privacy and accuracy of consumer information. The mishandling and inaccurate reporting of my personal financial data indicate a breach of this act.

The numerous inaccuracies and inconsistencies in my credit report highlight a systemic failure by the credit reporting agencies to fulfill their obligations under federal consumer protection laws. These violations have significantly harmed my creditworthiness and resulted in financial damage and distress. Immediate corrective action is required to address and rectify these issues to comply with federal consumer credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my student loans in 2005. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim 17 years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overlooking my credit score and noticed that someone was using my information to open up fraudulent accounts. This was not me and i never gave any permission or authorization to use my information.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Around XX/XX/2019 a wells Fargo employee did A fraudulent wire transfer out of my account I wrote complaint and I still didn't get my XXXXso I closed my checking account with Wells Fargo and mi e you I was with them when they were Wachovia And when the pandemic happened they did fraud
Product: Debt collection

This Debt was was recently added to my credit report as a collection and has ruined my credit report I have never had an account with this creditor and furthermore i am requesting that the creditor provide me with documented proof with my signed wet signature that this debt is owed by me if proof can not be provided with 21 days from this complaint I want this item removed and deleted from all three reporting agencies immediately also i am asking the creditor to cease and desist all reporting of this alleged debt to the reporting agencies while it is in dispute.
Product: Credit reporting

I contacted Transunion and provided them with a police report that I am a victim of identity theft. They refuse to remove the inaccurate inquiries, as well as the inaccurate accounts. Additionally, they continue to let people do hard pulls on my credit without my authorization. The following credit inquiries are continued unauthorized inquires related to my identity theft case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I received an attractive offer for a CHASE XXXX XXXX credit card. I applied for the card, but CHASE rejected my application. The rejection letter, dated XX/XX/XXXX, stated Too many credit cards opened in the last two years associated with you. I wrote CHASE and asked two straightforward questions : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS?

-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS?

I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE refused to answer my questions and rejected again my application, although I have an excellent XXXX  credit score of XXXX  ( the credit score range is 300 850 ). I complained to CFPB, on XX/XX/XXXX, complaint number XXXX-XXXX. Instead of answering my questions CHASE resubmitted the previous rejection letters. 
In this complain I want to provide additional details to my case. I have a CHASE Freedom credit card, since XXXX. CHASE asked me to advertise their credit cards to friends. I did that, and received XXXX XXXX bonus points, in XX/XX/XXXX. Please see the attached credit card statement. In other words, CHASE trusts me, and offers a credit card to a friend of mine, but refuses to issue a credit card to me! This is absurd, and it proves CHASE denies cards to avoid honoring the bonuses. 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. This proves a pattern of misbehavior.
Product: Debt collection

VIOLATION OF MY CRA RIGHT SENDING BILLS THAT I DO NOT OWE THE CREDIT BUREAU ALL TOOK THEM OFF AND ARE SATISFIED THAT I DO NOT OWE MONEY ON A LEASE THAT HAS GAP INSURANCE I SENT ALL THE REQUIRED DOC 'S TO ALL COMPANIES INVOLVED
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX XXXX and the credit reporting agencies for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite submitting XXXX disputes since XX/XX/XXXX, with the most recent in XX/XX/XXXX, the inaccurate and obsolete account remains on my credit report, severely damaging my credit score. 

This account was paid off in XXXX, yet it continues to appear on my credit report with inaccurate and misleading information. Under 15 U.S. Code 1681s-2, creditors are required to provide accurate and complete information. By reporting incorrect details, they are in direct violation of federal law.

Additionally, under 15 U.S. Code 1681i, the credit bureaus had 30 days to conduct a reasonable investigation and either correct or remove the inaccurate data. They have failed to do so. I demand immediate removal of this account for the following reasons : Failure to Verify Accuracy The creditor has been unable to provide verifiable documentation proving the legitimacy of the reported information. 
Re-Aging of Debt ( FCRA Violation ) If the delinquency date has been altered to keep this account on my report past the allowed XXXX reporting period, this is a serious violation. 
Failure to Correct Errors Despite multiple disputes, this account remains, demonstrating noncompliance with 15 U.S.C. 1681i ( a ) ( 5 ).

Ongoing Credit Damage This account is directly harming my financial stability, and its continued reporting is causing unjust hardship. 
I demand the IMMEDIATE REMOVAL of this account from ALL credit reporting agencies ( XXXX, XXXX, and XXXX ) under my rights granted by the FCRA.
Product: Checking or savings account

Truist bank sent XXXXXXXX XXXX XXXX XXXXXXXX out of my account to renew my membership without my consent. I contacted XXXX XXXX and was told they sent it back to Truist in the meantime I closed my account with Truist because of suspicious activity on my account and even with a couple of their tellers. I reported the tellers and the activity as well. I called their fraud division and even filed a report with them regarding suspicious activity and them sending XXXX XXXX XXXX XXXXXXXX. Every time I checked to see if my account was closed it would still be open, because they were allowing monies and other things to still come through. I After finding this out I start going to the bank to demand they stop all transactions. I took all the monies that had came into my account out. I received a letter saying I owed them XXXX but they have not told me for what. How do I owe them monies when monies were coming out of my account. They have sent this to collections. Again I need an explanation as to how and why I owe them monies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Secured Loan Dates with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : Account Name : XXXX XXXX XXXX Type of disputed information : Rental Agreement Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXXXXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX  XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
Product: Payday loan, title loan, personal loan, or advance loan

I'm receiving Economic Relief for Affected new Hampshire Families mailing that appear to be official government mailing. The outside of the envelope cites title 18 Sec 1708 US Code and {$20000.00} fine or 8 years imprisonment or both for any person who interferes with or obstructs delivery of this letter or otherwise violates 18 USC 1702 et-seq.

No where on the outside of the envelope does it disclose that it is a private organization. Envelope is design to look like a mailer that came from Treasury or XXXX.
Product: Money transfer, virtual currency, or money service

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 ( 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

When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX and My apartments I was living in at the time XXXX XXXX XXXX XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. Same with XXXX they have been paid off but under the act it should have never been reported because the only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, equifax and XXXX corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.
Product: Checking or savings account

Since XX/XX/2018 i have been charged an excessive amount of bank fees, in the amount of $XXXX dollars. Some of which were not caused by personal error, as well as some caused by account minipulation on behalf of the bank. Flip flopping transactions day to day to cause a bank fee is common practice. I changed my mortgage payment, through XXXX XXXX, to come out the XX/XX/XXXX instead of the XX/XX/XXXX. XXXX XXXX made a mistake and withdrew the mortgage on the XX/XX/XXXX causeing a domino effect of bank fees. I was able to have XXXX XXXX retract the withdrawl, but citizens bank will not return the charged fees on my account. I am opted out of overdraft "protection", so the only method i can incure a fee is from a preauthorized debit or check. With that said, Citizens bank minipulates my account activity to cause a negative balance to charge me a fee. This has happened to me before by this bank, and they have previously returned fees to me, but refuse to return the fees now.
Product: Debt collection

This company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
Product: Debt collection

Portfolio Recovery has been calling me multiple times a day even after being instructed not to contact me by phone. The person I spoke with said they do not recognize a not call list. This problem has been getting worse to the point where they called me 9 times in less than a minute while Iwas at work.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX, my parents received a call for me concerning my Citi Simplicity Card.  This is very odd, as I have lived on my own for 11 years, and Citi does not have this number on file for my Credit Card. On Wednesday XX/XX/XXXX, I logged into my account and was greeted by a splash screen to contact their Customer Service Department at XXXX. I immediately call this number, and I am asked to verify my identity. I provide all the correct information ; however, the representative claims they can not verify me. I am then asked to provide them with a credit card account from another bank. I decline to provide this information, I am then asked to provide my bank account information. I declined to provide this information, and asked to speak to a supervisor. The supervisor stated that all they could do was mail me a letter to my mailing address, in 5-7 business days. Approximately 5 minutes after hanging up from the supervisor, my mother calls me to state Citi was looking for me at their house again. Thinking this was odd, I called the number on the back of my credit card. The representative told me that there was a problem with my account, but he did not know what it was, and that he would call me back on my cell phone. I waited 24 hours with no call back and called the number on the back of my card again this morning, XX/XX/18. I was greeted by a female representative that took all my information, and then states they are having technical difficulties, so I should call back in one hour. Later in the day I call the number again, and XXXX tells me that she can not verify my information. After a heated conversation, she says she has to mail me information, and requests my mailing address. After hanging up with XXXX, my wife calls me to tell me that XXXX from Citi called her cell phone looking for me. Again, this information is not listed on the account. So I call back, as I am pretty angry at this point. to see Why they seem to have information related to me, that is not a part of my account, yet they can not verify my account to tell me what they deem is wrong with my account.
Product: Credit reporting or other personal consumer reports

Equifax has inaccurately reported multiple student loan accounts on my credit report from DepEdNelnet and the U.S. Department of Education, despite their duty to ensure maximum possible accuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1681i ( 5 ) ). These accounts, listed in detail in my correspondence, include repeated inaccuracies that violate my rights to privacy and accuracy as upheld in XXXX XXXX XXXX, 1997.
Product: Credit card or prepaid card

I had a XXXX  and XXXX credit card with the original company, they sold to synchrony bank. Since selling the company I am not getting my statements via mail or electronic delivery. They allow the time to lapse then send me a you forgot to pay your bill email. When I reached out to the company they wanted me to validate my email for the statements. I did that and it is ironic how I am not getting statements but getting the you forgot to pay your bill then they've added late fees etc. This account should have been pretty much paid down and I never see it going down because I never receive the statements only late notices. To me this is fraudulent and predatory lending.