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

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$34000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX Account number private, Balance {$870.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number private, Balance {$13000.00}, Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Product: Checking or savings account

I was charged for a hotel room that was cancelled in the proper protocol procedure. XX/XX/2020. 
Thank you XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, I called Zion Debt Holdings because I saw a collection on my credit report. When I tried to explain that I do not owe this debt and XXXX was erroneous to sell it to collection but the woman that answered the phone said " You do owe the debt '' and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$600.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXXXXXX XXXX XXXX Owed : {$690.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXBalance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have was a member of a " breeder 's '' XXXX page for a few months trying to find a XXXX XXXX puppy. I had seen many litters get posted and " people '' posts recommending the breeder. So I finally reached out on XX/XX/XXXX after she had posted a new litter. I asked about a specific pup and price and what the steps were. She said the pup was {$1900.00} but I had to pay {$700.00} up front ( in the form of zelle, XXXX, etc ) to cover holding her and for her XXXX paperwork and she would require the remainder in cash once the pup was in hand. I was a little hesitant to send that much so I had asked if she would do less and I would give her more in cash in person. She seemed to get a little upset as to why I wouldn't trust her and why would I contact her, her page has XXXX followers and she has many references. I admit that I was the one to contact her thinking she was legitimate but to make me feel more comfortable and I think to make it more believable, she agreed to {$500.00} being transferred. I had sent her the {$500.00} through zelle on XX/XX/XXXX. 
She kept asking when I wanted to have the dog home and b/c we were away till Monday I had said Tuesday, XX/XX/XXXX. She offered to meet halfway or deliver. So of course, so I didn't have to miss work I took advantage of her delivering and only having to pay for her gas. On night of XX/XX/XXXX, she sent over a 'sales receiptXXXX ' paperwork XXXX Which made it seem more believable. On our way home Monday, I contacted her to make sure we were good for Tuesday and she said yes but also offered to come Monday night, so we agreed. 30 mins after the plans were confirmed it went downhill! She said her daughter was in the hospital and would have to ship the pup. I knew right then and there that I was in trouble and my deposit was gone! I asked if I would be charged for shipping and she said no. 3 mins later she sent me a link of a shipping agency with tracking and then a random number texts me ( saying it's the shipping company ) and says I have to pay {$1500.00} for insurance, fully refundable, by zelle, XXXX, etc, and the delivery agent will give the money back once they deliver the pup to me! I also got an email from them saying same. She messaged me telling me to pay it, I disagreed. The shipping co called me telling me if I didn't pay, the the pup would go to the pound and the cops now have my info and would come after me! She has refused to give me back my deposit and had blocked me from her page. I wonder how many other people she has done this to! 
I contacted my bank XX/XX/XXXX to file a dispute but unfortunately they denied because it was sent through zelle. 
I have screenshots of everything! And links to her XXXX page if needed!
Product: Checking or savings account

My account and card keeps getting reported for fraud every month for the last 6 months. I am unable to use my card until I verify a list of transactions. It has slowed me down and costed me time and money over each and every period. My checks also keep getting flagged for fraud, I am not treated fairly as a customer.
Product: Credit card

In XX/XX/year>, I was notified synchrony bank closed my care credit card ( XXXX ). When I called, they told me it was simply due to lack of use. When I asked the agent for documentation that they sent he was not able to provide it rather what they did provide was a letter ( copy enclosed ) stating that I requested the card to be closed. 

Therefore, I would like all communications ( verbal and written ) to between Synchrony Bank and myself be shared. I specifically am requesting the letter ( XXXX ) sent to me that would have warned me the card would be closed. Id also like to know how the aforementioned letters were originally sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've put experian on notice numerous times asking for them to delete inaccurate personal information by mail and they refuse to remove them. Experian is the only agency whom does not comply to delete outdated, inaccurate, non deliverable to me addresses and names. experian is reporting numerous last names that is NOT on my social security card. I've sent them a copy of my social security card, drivers license as well as proof of address and they refuse to comply. there is no were in the FCRA handbook that specifies for old outdated information to remain on my consumer report. I've dispute with XXXX and XXXX and they both have complied to FCRA by deleting the outdated information. why hasn't experian complied to FCRA regulations?
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to false customer service and unfair practices, which violates the customer financial protection act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.
Product: Credit card

Early this year, I asked the call representative at Discover to compensate me for the gift card I could no longer use at its defunct retail partner XXXXXXXX XXXX XXXX XXXXXXXX. My request was denied. The gift card issued by Discover card was my cash back reward accrued by my purchases as a Discover card member. 
The denial is an unfair and unlawful business practice due to no fault of my own.
Product: Debt collection

I write in reference to the credit Collector : United Accounts , Inc. 
XXXX XXXX ND XXXX I moved out of an apartment ( apt ) building on XX/XX/XXXX, without owing any money to the apt company ( XXXX ). My apartment was checked out by the then apt manager and according to him, everything was ok. 
I moved out before the end of my lease but I was granted permission from the then manager. He told me it was OK for me to move out and he found a tenant to take over my lease and I also gave him my 2 months notice as requested. After I moved out, the apt manager stopped working for the apt company and a new manager took over from him. Between the old and the new manager, there was no transition and no correct exchange of documents so the new manager billed me {$1700.00} because according to him, he was not briefed by the old manager that he was aware of me moving out and he gave me the permission to move out. 

After a year, I received a letter from the debt collector, United Accounts Inc ( UAI ). I immediately wrote back to them disputing the debt. I have submitted sufficient documents to prove that I did not violate the terms of agreement per my rent lease and I had permission from my apartment manager to move out of the apartment. I have submitted all documents to prove that the original debtor ( XXXX ) is wrongfully charging me but still, the debt collector ( UAI ) does not want to drop the charges due to the fact that they want a commission on the alleged debt because that is how they pay themselves. I even sent them ( UAI & XXXX ) 3 pages of text message exchanged between myself and the old manager during the time he gave me permission to move out of the apt . The text messages show all the conversations I had with the old manager including evidence showing that he received my 2 months notce, he giving me permission to move out of the apt and he saying he has found new tenants to take over my lease. The messages also show evidence of him checking me out of the apt . All these evidence is submitted to the credit collector to prove to them that I do not owe any money because I left legitimately without owing any money. However, the debt collector and the original debtor does not want to remove the debt account because I went online and gave them a bad review and so, this is their own way of " punishing '' me. They have reported the debt on my credit report and now, my credit score is messed up. I have always had an excellent credit score of XXXX but due to this debt account, my credit score is currently XXXX. I was in the process of securing a mortgage and because of this, I 've been denied and my credit cards limits have been reduced drastically.
Product: Money transfer, virtual currency, or money service

I got my account wiped out while in the hospital. Contacted the merchant that was on my statement and they said that my card was stolen and to contact my bank. So I contacted my bank and its been a week and still no temporary return of my money or anything and I have none not sure if I mentioned that I lost almost 15k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to apply for an account at your company. I did not authorize these inquires. Take appropriate steps to remove information about this account from my credit files. I ask that you all remove these fraudulent inquires. I have contacted XXXX  and they said that inquires are factual record but my Identity was stolen and they have not sent me proof neither did these companies that pulled my credit, same goes for TransUnion. If this isn't fix i will have no other option but to take companies involved to small claims court. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX  XXXX  XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

Account names XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXXXXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes
Product: Debt collection

The company has been continually harassing me calling me non sto day and night including XXXX and after XXXX. I have asked them tk stop But they wont someone even called once claiming to be an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Commerce Bancshares, XXXX  XXXX They make it extremely difficult to transfer money out of your account, for example when I need to pay rent. 

With many external transfers they put your transaction on hold. To stop the hold you have to call them and they take forever to answer the phone. 

Their online platform is clunky and doesnt work half the time. 

You can not transfer money via mobile. 

Their daily transfer limits are so low, that I cant pay a mont rent with a single transaction. 

They often block transaction for the dumbest reasons.
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous dispute regarding two accounts that remain inaccurately reported on my credit report. Despite my previous communication via mail dated XX/XX/2023, I have recently obtained an updated copy of my credit report, which still shows the same discrepancies. These inaccuracies are adversely affecting my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation according to the FCRA The term investigation consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who my have knowledge concerning any such items of information. 

They did not do this Also, They have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the last payment made date is inaccurate, and the on my record until date & month totally different. This ground for removal. 
They also violated the law because according to 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. 

I did not give anyone a written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX because they violated my rights by inaccurately reporting my late payment
Product: Debt collection

I never had company or use it before they are saying i sign a contract for 3 years which i didnt. Just for them to leave me alone, i made payment plan for XXXX  every paid period. I dont owe them at all. Protect America there collections are called complete credit solutions
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent activities that has been happening on my credit I'm requesting for the items on my credit history to be deleted.
Product: Vehicle loan or lease

Many weeks ago, an individual named XXXX from Ford Motor Credit called about another individual 's account and did n't say why she was calling. I told her it 's probably illegal for her to be calling me and told her not to call again. She called me again minutes ago. I 'm pretty sure that 's harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX following phone numbers do not belong to me and are a result of fraud : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX XXXX I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXXand signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter on XXXX saying " an isolated technical issue, which has since been resolved, '' .... yielded a dispute on my report that was submitted months before had not be sent the results at the conclusion of the investigation. 

First of all, this was vague and " isolated technical issues '' should not be happening in such an important aspect of a person 's financial information. I am sure " technical issues '' happen quite a bit in these credit reporting agencies. 

Due to the disputes not being noted on credit report and UNEXPLAINABLE algorithms used along with processes to determine scores, my score went from XXXX at the beginning of 2023 to XXXX currently according to XXXX Transunion is the agency they seem to use with their reporting. This is disturbing and it appears these companies are in cohots with one another because once your score tanks, you then get offers via wallethub for high interest cards and loans. I also question the accuracy of the reports. 

In addition, there should be a full investigation into all CB and legislation to control how they determine processes to print scores ; at some point they should become a non-entity in determining credit worthiness due to the lack of integrity in the processes. 

I want my score corrected and reinstated to XXXX and above and to stop dropping EACH DAY IN XXXX and all disputes input that I sent in XX/XX/2023.