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

In accordance with the Fair Credit Reporting Act Capital One Acct ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX  SELF-REPORTED XXXX Balance : {$260.00} XXXX SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$400.00} XXXX XX/XX/2022
Product: Checking or savings account

CIT Bank charged me $ XXXX for closing a CD ( 3 month interest fee ). They DID NOT notify me that my CD is expiring. The company claim that they send a mail but I never received it and never received any email either. The CD expire around XX/XX/2019 and today is XX/XX/2019. They say they are required to send notification but I never get any notification that my CD is expiring.
Product: Credit card or prepaid card

Beginning on XX/XX/XXXX I attempted to use my cash app card at an atm. I was declined although I was able to send money to another cash app user. Every week I receive unemployment benefits Direct deposit to this cash app account this is the second week I have not received benefits. I can not enable the cash app card. I am not able to speak to anyone from cash app on this matter. It is frustrating because this is my income and I know due to the glitch in the system with the cash card not being g active this is the reason my XXXX Direct deposit isn't active. Cash app hasn't resolved this issue yet and still I haven't received my benefits
Product: Mortgage

Applied for refinance on XX/XX/2020 with NewRez mortgage and I am still waiting for closing. All documents have been submitted and can not get a straight answer from company. I spoke with loan processor yesterday to make sure payoff was received for the 3rd time. Just want to know if this will ever be completed. Appraisal was for XXXX asking to refinance {$120000.00} for 15 years. Current interest rate is 6.99 % was quoted 2.5 %
Product: Debt collection

XXXX says I owe them {$1200.00}, but I haven't been using the service. How can I owe and the service is off?
Product: Credit card

I purchased a TV from XXXX. Placed payments ( XXXX ) on auto pay. When XXXX requested payment from bank, the bank rejected payments. I received a letter from XXXXSnychrony stating that since bank has not honored payments they have suspended my card, send my info to credit and collection bureau. I have made all payment. Called XXXX several times with no satisfaction. I also went to my bank, they found that XXXX has inputted the incorrect account routing number and incorrect bank account number. The routing number appears under miscellaneous information, and the account number the first XXXX numbers were cut off. Also, on XXXX/XXXX/2015 I discontinued my auto pay. Today, XXXX/XXXX/2015. I went on to XXXX site and noticed that they sent to the bank for auto pay. I did received email from XXXX on XXXX/XXXX/XXXX stating they received my request for cancelling auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Well the bank is first Citizens Bank they said that when I made my deposit that my check didn't clear they said that my account basically was fraudulent they said that the deposit that I made was fraudulent and altered to so basically they put my account on hold and put it on for a frozen account and said that this account will be closed and that I have no funds in this account and not to mention this was early XXXX maybe early XXXX of 2021 so why am I still receiving text alerts why am I still receiving email alerts with a balance of {$4500.00} every single day from the moment they close my account supposedly till now and I'm still receiving these text alerts and I also called and I have it on video where I talk to representative and she basically stated that wherever my text alert is saying where my email alert is saying that is my balance so I had got into it with representative that's actually over the account she's very disrespectful she's very rude and I've tried to talk to other people about my account so I don't have to deal with her but somehow they won't listen just basically want to pass me to her and I don't want to talk to her because she's just disrespectful she's very rude and I don't have time for and I know that my account is still open and I know that my funds are still in that account and somehow she's done it where it's showing that the accounts closed but it's not cuz I'm still receiving a {$4500.00} dollar balance every single day I mean I don't know what else to do and I know that I'm not crazy and I know that their system is not going to generate me a balance every single day with the same exact amount every single day from the moment that this account supposedly has been closed have no record of the was supposedly check that was fraudulent I never received that back but I also have when they Representatives on video where she's stating she's saying that wherever my text alert is saying whatever my email alert is saying that's what's in my balance so why are you saying one thing and why is my I mean I don't know what else to do so can you please help me get this issue resolved because I know I'm not crazy and I need my money out of that account thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past 3 months, I have contacted Equifax in three opportunities ( attached proof ) because they are reporting 2 inaccurate hard inquiries from 2019. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to Equifax, I have asked for proof that verifies that I authorized those inquiries back in 2019. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. 

Equifax in those three opportunities, sent me an AUTOMATIC answer back saying that the inquiries have been " verified ''. The letters are always the same, and none of them have provided any method of verification ( attached proof ).

1- Even though I have asked in every single letter I sent, Equifax has not sent me their method of verification. 

2- Violated my right under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) by not providing a method of verification. 

My credit worthiness has been highly affected by Equifax.
Product: Debt collection

Ive repeatedly told pro collect that this debt was not mine and that it was fraud. I sent over the needed documents to prove my case but they ( pro collect worker ) told me to just pay the outstanding XXXX $ balance anyway to clear it off my credit report. I refuse to pay something I know I do not owe. The landlord remade the contract stating I worked for an XXXX  company and that I did not get out of my lease by using my orders from the military which is false. They also signed my name and put my children information on the false document. 
The debt is from XXXX XXXX The date is XX/XX/2016 They refuse to remove from credit report and tried to force me to pay it even with the evidence showing the bill is in fact fraud. I also filed a police report with XXXX XXXX Pd who did the handwriting analysis who determined that the documents presented with my signature is in fact fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork.

I have contacted the company ( XXXX- in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX   to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
Product: Checking or savings account

Recently had an annual subscription renew. Soon as the company sent me a receipt for the payment, I transferred money via XXXX to cover the expense. I used XXXX due to no local branches being in my general area. XXXX transactions are typically instant. However, this was not the case, the transaction ended up not being deposited till XXXX days later. This would have been still within the XXXX time frame of preventing a second overdraft for the same transaction. Even though the transaction shows deposited, the bank then flagged the transaction delaying it additionally and due to the delay charged me a secondary overdraft fee for not bringing the account to the positive within 7 days. I have tried calling the bank to resolve this, they're answer was even though their system delayed the funds when they tried to refund it the system would not allow. This has been a repeated issue with this bank and since each refund is listed as a courtesy refund, they say they are no longer able to process a refund on my account even though it was delayed at no fault of my own. Both the customer representative and the supervisor tried to give me the refund.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : AMERICAN EXPRESS In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$650.00} Account # XXXX  XXXX  XXXX XXXX {$380.00} Account # XXXX  XXXX XXXX XXXXXXXX {$350.00} Account # XXXX XXXX XXXX XXXX {$320.00} Account # XXXX XXXX XXXX XXXX XXXX {$380.00} Account # XXXX XXXX XXXX # XXXX {$540.00} Account # XXXX XXXX XXXX # XXXX {$470.00} Account # XXXX XXXX XXXX  XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # XXXX  XXXX XXXX XXXX XXXX # XXXX {$320.00} Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.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 state a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

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

The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely removed from my credit report.
Product: Checking or savings account

My nightmare began with Robinhood when I tried to communicate with them because I was not having access to my account. I left messages to no avail. I wrote them a certified return receipt letter requesting my account to be closed. The letter was written and sent on XX/XX/2021. Robinhood never replied ; therefore, on XX/XX/2021, my attorney sent them a letter requesting the account to be closed. Robinhood never responded.
Product: Credit reporting

I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all three bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.
Product: Credit reporting

My firs experience with Experian was the Annual Credit Report XXXX XXXX/XXXX/XXXX. XXXX and XXXX have Data showing the First Delinquency in XXXX of 2008, they also show this data on XXXX and XX/XX/XXXX.There is no data shown in Credit Reports from Experian on XXXX, XXXX XXXX or XXXX XX/XX/XXXX A Clear Violation of The FCRA with requires data be removed XXXX years after 1st Delinquency in the case which would have been XX/XX/XXXX Green Tree subsequently bought the XXXX XXXX portfolios XXXX and knew the data was flawed and should have been removed.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 
I have attached DL/ SSN CARD/ Proof if residence for ID verification. 

Company Name Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate intentional, again EXACTLY as it appears on report ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was alarmed this morning to see unauthorized inquiries on my credit report, and I have no idea why theyre there. I routinely check my credit, but today, discrepancies showed up. Even after refreshing the browser, the unauthorized entries remained. I urgently request that the documents I sent be reviewed thoroughly to prevent this issue from happening again.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX 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