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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my attempts, Experian has not responded to my request, and the following discrepancies remain unresolved. I kindly request your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian has included an account attributed to XXXX XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : XXXX. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$980.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$300000.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$260.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXXXXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$410.00}. I want to clarify that this account does not belong to me, and I request that Experian removes it from my credit report.
Product: Credit reporting or other personal consumer reports

I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this? I had to retire in XXXX due to my XXXX I still managed to continue to pay ON TIME until I ran out of possibilities in XXXX. They charged my accounts off in XXXX. They are reporting charge off in XXXX that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a HELOC. the reason? Recent charge offs. I haven't been late on a single bill for over XXXX  years. I have no recent charge offs and Capital One has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in XXXX. its there, but doesn't show as recent, which is accurate. Capital One is purposely damaging my credit, why? To make me suffer more for going thru a hard time.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.
Product: Checking or savings account

I received an email from Chime bank today very randomly that they reviewed and decided to close my account. I had an account with them since XX/XX/XXXX, it is currently XX/XX/XXXX. I called customer service, and they refused to explain the reason why my account was closed. I asked to have my money sent back to me in a closure check, and they said my account was ineligible for a refund or closure check. AKA, they stole whatever money was left in my account and Im not able to get it back.
Product: Checking or savings account

XX/XX/XXXX I brought a chase private client {$2000.00} bonus coupon to Chase Bank in XXXX XXXX with intention to obtain the bonus. 
XXXX XXXX helped me to opened an account ( Chase Premier Savings ) and deposited my {$250000.00} to the new account. 
XXXX XXXX handed me a deposit receipt with a copy of account summary. 
Before I left the Chase Bank I have double checked with XXXX XXXX He told me that {$250000.00} has been successfully deposited to your new Chase saving account, everything is OK, no problem. 
After 90 days I just wondered why the {$2000.00} bonus has not deposited any one of my Chase checking accounts ( XXXX or XXXX ). 
XX/XX/XXXX Chase Bank assistant vice president told me XXXX didn't input {$2000.00} bonus coupon code to my new saving account. 
The Chase Private Client {$2000.00} bonus coupon only for customer open a new ( Chase Private Client savings account ) not for other Chase Bank accounts. 
I think XXXX XXXX opened a wrong kind of savings account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a hospital bill to TEAM RECOVERY 3 years ago they refuse to remove it from my credit report even thro that was the deal if i paid it off, so i held up and paid it off in FULL so now THEY WON'T REMOVE IT ( LIERS ) it lowers my score and increases my INTEREST RATE FOR A HOME LOAN! How is it all 3 credit bureaus say its up to the reporting company TEAM RECOVERY TO REMOVE IT?
Product: Checking or savings account

Opened a new checking account with US Bank, which was approved however US Bank has still NOT provided me necessary information to operate or service my account. 

An example is they have provided only the last 4 digits of my checking account, which is insufficient to register online or do any servicing. 

Additionally attempts to resolve this issue with their customer service was unsuccessful
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING A DELINQUENT TITLE LOAN ACCOUNT THAT WAS SECURED WITH MY TITLE FOR MY XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT VALID.
Product: Money transfer, virtual currency, or money service

This filing is about a non-profit account with Block , Inc. ( formerly Square, Inc. ) and Square Capital, LLC. On XX/XX/XXXX, we received a notice that Block operating platform Square decided to collect funds from our online fundraiser that we have conducted for the past XXXX  years on the Square platform through our website. Our donors paid for tickets to our upcoming event through our website, and payments were processed through the Square platform. We have conducted transactions with the platform, since XXXX. 

The platform did not notify us of any changes in service agreements before collecting the funds, nor did they inform us that there was an issue or violation of their terms or policy before deactivating the account. They have since refused to offer any suitable explanation, that can allow us to investigate the matter. It is evident that Block , Inc. ( formerly Square, Inc. ) and Square Capital , LLC, feel that withholding small business and non-profit organizations funds requires no explanation is an effective business practice. 

We reached out to inquire about the account over the past XXXX weeks. However, were blocked from speaking with live agents and got an email stating that they do not owe us any explanation for withholding funds and deactivating the account. 

We contacted the customer service department via email, with no resolution, expect a very abrupt and rude response. In addition, an email was sent to the XXXX XXXX XXXX, explaining the issue and trying to get the matter resolved. We have not heard any response from his office or his team. 

Although we have been legitimate customers for over half a decade, Block , Inc. ( formerly Square, Inc. ) and Square Capital, LLC. have neglected to fulfill their customer service standards by not notifying consumers effectively about any terms of service changes. Block is also withholding funds of small businesses and non-profits for financial profit to shareholders.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to all the credit bureaus, which is XXXX, XXXX, and XXXX. I also sent a certified letter to Jefferson Capitol System as this is not my account. I sent all my certified letters to all involved parties, it to the but it has not been deleted per the FCRA Consumer Rights and they have got the documents within 30 day period and like I stated to them in my letter which I will attach, if they do not have valid verification that this debt is mines then it needs to be removed off immediately my credit report per my consumer rights under the FCRA ( federal credit report act ).
Product: Debt collection

this acct is fraudulent and is a result frim identity theft and the company is reporting this to the credit bureaus as well as has an oppen acct that needs to be closed with thier company.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I notified CITI of a billing error involving a charge on XXXX from The XXXX XXXX. I received notification my dispute was opened the same day. On XXXX CITI sent an email stating they heard back from the merchant and would be reviewing the details and get back to me within 10 days. 
On XXXX CIT sent an email claiming to have sent a secured message regarding the status of the dispute requesting information. There is no record of this secured message being sent through CITI.com. However, on XXXX CITI sent a confirmation of receipt of the billing dispute details requested. No other messages regarding the status of this dispute have been provided by CITI, nor have any of the documents provided by the merchant been forwarded to me. 
CITI acknowledged the dispute, receipt of all details regarding the dispute, and receipt of documentation from the merchant. However, CITI failed to provide the merchant response or continue to properly proceed with this dispute as required. This resulted in CITI charging the disputed amount of {$110.00} back to my account without notice or providing the required documentation. This is a violation CITI routinely makes.
Product: Credit reporting or other personal consumer reports

XXXX an unknown person applied for a JPMorgan Chase credit card in my name on XX/XX/XXXX XXXX. I received an alert from experian of a hard inquiry on my credit report immediately XXXX. On XX/XX/XXXX I called and spoke to JPMCB credit card fraud line and they were able to stop the credit application. I requested they remove the hard inquiry as fraud and I was promised it would be done in 90 days. 
XXXX. I called back on XX/XX/XXXX and then again in first week of XXXX and on XX/XX/XXXX when the report had still not been removed. 
XXXX. I received a letter from JPMCB credit reporting XXXX that it had been escalated again to XXXX and again promising 90 days. 
XXXX as of today XX/XX/XXXX, the hard inquiry is still on my report. I can see it has pulled down my score. 
XXXX. JPMCB refuses to make another escalation because it has not yet been 90 days since the XXXX escalation, but we are now at 5 months since I requested removal.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Resolution Request Regarding Unauthorized Account and Credit Reporting Issues Dear Consumer Financial Protection Bureau, I am writing to formally address a significant issue with XXXX XXXX XXXX  that has persisted despite my numerous efforts to resolve it. 

On XX/XX/XXXX, I discovered an unauthorized account in my name with XXXX XXXX XXXX. Subsequently, on XX/XX/XXXX, I contacted XXXX XXXX XXXX  and spoke with a supervisor. During this conversation, I clarified that I had neither authorized the creation of this account nor provided any documentation or verbal consent for XXXX XXXX XXXX  to access my Social Security number. The representative assured me that the account would be removed and that it would be reflected as such on my credit report. 

However, as of XX/XX/XXXX, the unauthorized account remained on my credit report. I reached out to XXXX XXXX XXXX  again, emphasizing the urgency of removing the account from my credit report. 

On XX/XX/XXXX, XXXX XXXX XXXX  responded, acknowledging my prior communication from XX/XX/XXXX, and confirming that the account would be removed from my credit report by XX/XX/XXXX. Despite this acknowledgment, I requested documentation to verify that XXXX XXXX XXXX  had contacted all three major credit bureaus to ensure the accounts removal. 

Unfortunately, on XX/XX/XXXX, XXXX XXXX XXXX  responded without providing the requested proof of communication with the credit bureaus. Furthermore, subsequent requests for documentation made on XX/XX/XXXX, and XX/XX/XXXX, were met with no response from XXXX XXXX XXXX. 

I have since contacted all three credit bureaus directly, and they have no record of the account being investigated or removed. The absence of my signature or any authorization for XXXX XXXX XXXX  to access my Social Security number or credit report has caused me significant emotional and financial distress. 

XXXX XXXX XXXXXXXX XXXX repeated violations of consumer protection laws, their erroneous assertion that a spouse or family member can add individuals to an account without consent, and their failure to adhere to regulatory requirements highlight a disregard for legal standards. 

I respectfully request your assistance in addressing this matter to ensure that XXXX XXXX XXXX  complies with all applicable consumer protection laws and that my credit report is corrected accordingly. 

Thank you for your attention to this urgent matter.
Product: Student loan

The remaining balance left with Mohela is {$5400.00} which was consolidated with my original loans that were forgiven in 2022. Attached is the consolidation application as proof. Per Sweet Relief ( Sweet vs Cordona ), my remaining balance should be forgiven and I should have a zero balance as XXXX XXXX has forgiven all loans and shows a zero balance.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have several fraud accounts on my Credit Report that they refuse to delete. XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are not my accounts. Please See the attached FTC Report.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to a 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: Checking or savings account

They didnt mention the terms and conditions and they took money out of my account, it was XXXX dollars that they took out of my account and I never seen it again.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

on XX/XX/XXXX I was stop by police in XXXX, CA and i was taking to jail and my wallet with my Bofa-XXXX XXXX  ( plus car title, social security card net-spend debit card and some other debit card from other bank accounts as well was all inside my wallet ) on me at the arrest when i was booked into the jail my wallet wasn't in my personal property bag i told the XXXX at the jail he said i have to speak to the arresting XXXX which i told him only took me to jail and is no longer here in the jail then he said to save my arrest report and when i get release from jail to follow up to see where my belonging where at so i wasn't release for about XXXX later on XX/XX/XXXX which as soon as i gotten release from jail i checked my bank of America Edd card account and notice all my money was gone i then spoken to a bank of America representative to find out where all my money went which i learn that on the dates i was in jail between XX/XX/XXXX thru XX/XX/XXXX there was a lot of different purchases in different amounts also ATM withdrawals all in total of {$3400.00} from card ending in XXXX which i then filed a claim for that amount of {$3400.00} claim # XXXX on XX/XX/XXXX or around that date the bank cancel my old card ending in XXXX and sent me a new XXXX however i never received any credit for the amount in question like i was told by bank of America claims department i will get after 10 business day while they investigates my claim however i was mailed a letter just reads XX/XX/XXXX ( { We've completed our review of the above referenced claim and have determined that no error has occurred in this instance. we now consider your claim resolved. what you need to know the transaction activity in question was authorized and posted correctly to your account. } ) soon after this i sent in a fax of a arrest report from the XXXX department showing time i was in jail from to release date then i sent another fax with my i.d card and another with a statement of facts handwritten from me saying i never gave anyone permission to use my debit card or my account and i have no idea how or who made these transactions while i was in XXXX for the XXXX which i then reopened about another XXXX same claims all by speaking to the claims supervisors helping me try to get the money that was stolen from me while i was in jail which i really cant believe that bank of America still cant tell me why I'm not able to get my money back from whoever took my money and its not XXXX XXXX and yet i cant get any results from bank of America in regards to this claim # XXXX for the amount of {$3400.00} which was all the money i have and I'm staying in my car and looking for a job trying my best to move forward in-till i get my money back then i know ill be OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXXXXXX XXXXXXXX Balance : {$11000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00}.