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

I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " XXXX, XXXX, Experian may have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that XXXX changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. Experian corrected about 52 % of the disputed late payments or other bad data and XXXX fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much stress. If nothing is done, I will be joining a class action lawsuit against your company. XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

I reviewed credit report on XX/XX/23 and saw collections on XXXX report for Phoenix Financial Services. I called Phoenix Financial Services on 2/13XX/XX/23 and was told that this is a collections company collecting a medical debt of {$120.00} for XXXX XXXX XXXX XXXX XXXX, Texas. It is listed as a collections on my credit report and not as medical debt. I had no previous knowledge of this debt. The last visit that I did have at this hospital the amount owed was paid in full and that amount was {$170.00}, in which I have a receipt for. I was told by a representative on XX/XX/23 that if debt was paid this would come off my credit report. I filed a dispute on XXXX because I need this removed from my credit report because this information is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME, ALTHOUGH THE FRAUDULENT ACCOUNTS WERE CLOSED AND REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES ARE STILL REPORTING ON MY CREDIT PROFILE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account : XXXX I have contacted LVNV Funding LLC, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. We have filed a new police report against your company stating that you used stolen documents and information to open this account. 
I was told to make contact once more with your company, to have them remove this account from my credit report, before contacting the courts. 
WARNING!!! I do have a copy of my passport which shows a " country stamp '', proving that I was out of the country i.e. The United States of America where this account was opened!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts below to be remove, According to 15 USC 168 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Charges are from XX/XX/XXXX Collection on my credit report : XX/XX/XXXX Collection Agency : Rent Recovery Solutions Debt Amount : {$100.00} I received a notification that my credit score went down. After checking my account with all 3 credit bureaus I noticed there was a collection from Rent Recovery Solutions. I immediately gave them a call, no answer ; so I left a voicemail. I then disputed the charges on my credit reports, because I don't know who this company is and I don't have any signed past agreements with them. Two days later, I called back and spoke to XXXX, the collection agent who was assigned to this account. I explained that I do not owe this company anything. She explained this was from an apartment 4 years ago. I explained that I have living at my for 5 years. She still insisted that I pay this bill. I asked to speak to a manager, and she transferred me and the manager never answered. I left a voicemail, but she never returned my call. I then contacted The XXXX XXXX XXXX apartment complex and I spoke with XXXX XXXX ( XXXX XXXXXXXX ). After speaking with her, she stated that she had no records of me ever living there. She stated that she could not find any information they ever sent anything to a collection agency for me, because I never lived there. I asked if could I get something in writing stating this, and she stated she could not provide anything for me because she could not locate any records for me. I contacted the collection agency back, and they stopped taking my calls and sent me to voicemail ever since.
Product: Checking or savings account

On XXXX XXXX, XXXX my son, XXXX XXXX XXXX used my JP Morgan Chase debit card to put his share of the rent, utilities, cable, telephone, and insurance for XXXX into my account through the ATM. We do things this way because I am XXXX XXXX XXXX and it is very hard on me to get dressed, go to XXXX to get his monies, then go to Chase and make a deposit into my account. This rule against others putting money into your account is very hard for those of us who are older, in bad health, and have XXXX issues! Anyway he got distracted by this woman ( My son is on Social Security XXXX due to XXXX problems, XXXX jobs since he was XXXX XXXX XXXX. ) and did n't come home as he usually does. This woman, XXXX XXXX XXXX got my Chase debit card from him and used it to take {$420.00} out of my checking account. Chase at first put the money back, then took it out again because their policy is that any chiped card transaction is the fault of the card holder and they will not do any investigations period. 
I never met this woman and I certainly never gave her permission to access my monies. Nethier did my son. This bank is treating me like I am a criminal, not a victim. 

JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Routing Number : XXXX Account Number : XXXX If you can help me get my money back I would be very grateful. This is causing me much emotional distress. I do n't have much of anything anymore and I am in costant pain. 

Thank you. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need your support in addressing this false account on my credit report. This has impacted my standing as a customer, and I would appreciate your help. These accounts should be taken off due to the inaccurate and negative reporting.
Product: Credit card

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to my previous complaint frivolously claiming that I have disputed the following accounts earlier and are refusing to re-investigate. Dear Experian, please note that under FCRA your are required to re-investigate consumer disputes, please comply with the law. and investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I was investing round ups from My PNC account to XXXX  XXXX. Now, PNC is telling me that i dont have right on my money and they dont let me investing for my retirement
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate information present on my TransUnion credit report. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. I am seeking your assistance in resolving this matter. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} Please remove this account from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Please remove this account from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

The account is reporting on my credit as a charged off and I need a XXXX and for it to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information reporting on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.
Product: Debt or credit management

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I have a savings account with the Pentagon Federal Credit Union. I have been making deposits once a month for many years. Several months ago I got a notice threatening to send the balance of my account to the State of Texas because presumably my account had been dormant for more than a year. Of course, I called them up and a service rep told me that was a mistake. I was advised that my account was not dormant and to ignore the message. I am now in the process of buying a home and found out that in XXXX of 2016 PFCU withdrew {$29000.00} from my account and sent it to the State of Texas! While the PFCU reps accept they made a mistake, they still claim I have to wait from 90 to 120 days to get my money back! I am in the middle of a contract to buy a home and need the money right away. I risk to lose the home I want to buy. I have wasted a lot of time on resolving this issue. I have called PFCU about five times. They always promise to look into it and call me back. They never do.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX there was XXXX XXXX XXXX accounts open on my credit report. One has a {$0.00} balance, and one has {$190.00} both are incorrect, and I have spoken with them on multiple occasions to have this incorrect information removed from my credit report. I was told by XXXX that both accounts would be removed but it is still reflected on my credit report and both accounts are incorrect.
Product: Money transfer, virtual currency, or money service

I have a list of transactions that i did not authorize on my cashapp that Ive been disputing since XX/XX/XXXX. Cashapp has not properly investigated, informed me of anything thats been done or investigate, refused crediting my account, refused refunds, ignores My inquiries about the process, and has been retaliating against me when i tell them theyre breaking the law they deny my claims without investigation, and Id now stating that they cant refund the transaction even though Ive filed 35 disputes regarding 5 transactions and proved that someone stole my phone and had access to my account and personal and financial information. I have XXXX $ stolen and have lost my home and car as result of their illegal practices. This is my second time this year filing a complaint with you guys about this and Nothing has been done and its still happening over and over. There needs to be legal repercussions for them.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app Due to the inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed To take timely and effective measures to prevent And address fraudulent Activities 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 resolutions 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

The company is called Three Sticks and I loaned {$700.00} back in XX/XX/year> and they continue to take money out of my account despite me already paying all of it back and when I tried to ask why were they still charging my account they simply said that my request was revoked and they will continue to take money out of my account ; I feel like I am being scammed they take out {$93.00} every week despite me already paying back what I've already loaned, I really need them to stop taking funds from my account as soon as possible.
Product: Mortgage

On XX/XX/2022 I was approved for a home loan refinance with Amerisave Mortgage. On XX/XX/2022 my proof of income was verified by my employer. On XX/XX/XXXX, I e-signed an initial disclosure locking in my rate of 3.25 %. I chose to rate lock the loan with an expiration date of XX/XX/2022. On XX/XX/2022 my loan XXXX told me I was scheduled to close on XX/XX/XXXX. On XX/XX/XXXX I received notice that I had to sign a new disclosure when it was actually a new loan application listing a 4.5 % interest rate and reducing my documented and employer verified income by {$9000.00}. On XX/XX/XXXX and XX/XX/XXXX my loan XXXX said he would call me to discuss how to to clear up the issues. He has not returned any of my calls. I suspect the company is raising my interest rates due to the federal reserve 's recent rate increases.
Product: Credit card

I purchased a round trip ( non-refundable ) ticket ( XXXX XXXX XXXX ) with XXXX ( XXXX XXXX ) using my AMEX card in XX/XX/XXXX. On my departure date, I arrived at the XXXX airport and the check-in process was routine. They asked me to provide bags that were being documented and was asked how many carry-ons I had and told them one ( which was a wireless blue tooth speaker ). They provided me my tickets and told me proceed to departure gate. I arrived at security ( XXXX equivalency ) and was told that my carry-on was NOT permitted. I asked what the reason was ( considering that the dimensions of my speaker were much smaller than the permitted size ) and they could n't provide me an answer. Security told me that it was an airline policy and referred me back to the ticket counter. Upon arriving at the ticket counter, XXXX ( airline ) told me that it was a security policy. I then headed back to security. Make a long story short, security nor airline could tell me why I was n't permitted to board with my carry-on and could n't accept responsibility. I asked the security person to accompany me to ticket counter and vice versa, but no one was willing to adhere or help. As a result, I missed my flight. I called AMEX to file a dispute XX/XX/XXXX, but was told to hold off on the dispute until I returned because there was concern that if I filed the dispute prior to my return that possibly my return flight would be cancelled by the airline. AMEX recommended I purchase another ticket ( which I did ) using my AMEX card under XXXX. I made the trip and upon my return home I filed the dispute ( Case # XXXX ). I provided AMEX all of the aforementioned facts and they submitted the dispute to the merchant ( XXXX ). Several weeks elapsed and received a response from AMEX stating that the merchant declined to credit on the premise that I used the flight. I then explained to AMEX that I only used the return flight with XXXX because XXXX and/or security did n't allow me to board and that I subsequently purchased the ticket with XXXX. AMEX proceeded to submit a second dispute and they asked me to provide the attached supporting documentation ( from XXXX ' website ) which stipulated that my carry-on was n't permitted. Needless to say, XXXX ' website did n't prohibit this carry-on based on the airline 's posted requirements, but nonetheless AMEX said the merchant ( XXXX ) did not want to budge. As a result AMEX sided with the merchant now under the premise that my ticket was non-refundable which in my opinion does n't factor in because this would have been avoided had they allowed me to board the flight. I asked AMEX and specifically XXXX ( AMEX XXXX XXXX Call Center Manager or Account Manager ) to either do the right thing and credit me the amount of the ticket to XXXX XXXX ( which I missed ) to retain my business or refuse to do so and lose my business. He opted for the latter and I 've asked him to close my account once the next billing cycle completes so that they can apply my remaining points. I am requesting your involvement for a reversal of the charge in the amount of {$210.00} on the premise that there was no wrong-doing on my part.