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

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
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 an 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 card or prepaid card

On XX/XX/2022, I responded to an email offer from Citibank to apply for their XXXX  card and receive XXXX bonus miles after I spent what I think was {$3000.00} in the first three months. I was instantly approved for the card. Today, I called the customer service department to find out what amount of purchases I needed to make in what time frame to get the XXXX mile bonus. The woman who was helping me said there was no bonus offer on my account. I was then cutoff, and had to go through the computerized system again to get to another customer service agent. I believe I was speaking with the same person, and asked to speak to a manager. She said she would take notes, and then I was cutoff again. 

I am very clear that I responded to a marketing email specifically sent to me in my name offering the bonus if I was approved for the card. I am extremely dissatisfied that I have been told I am not getting that after spending several XXXX dollars on their card. I feel totally deceived and ripped off. I am also very unhappy that the person on the front line can hang up on customers who are trying to resolve a problem.
Product: Credit card or prepaid card

Synchrony is a bank that lends primarily to those who take advantage of zero interest accounts for large purchases. I have recently had XXXX accounts closed with them that have such balances AND I have been in good standing all of them. I have never missed a payment, but they dictate that I have a high proportion of balances and therefore not considered a good risk.

This is also part of their long game when they lower the available credit limit on the amount they initial approve you for AND they also use the recalculated XXXX score that was made by their lowering of the credit limit. 

It's unfair to approve someone for an entire amount, they agree to the terms of zero percent for financing the purchase ( often the purchase amount is higher because of the merchant fee they charge ) and then charge interest now for saying the account is in default on an account they closed when the account was in good standing to begin with. 

I do feel this would violate areas of Regulation B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit check from Equifax XXXX  XXXX showing up on my Equifax Credit Report. I do not know who this company is and do not understand how they got my information to run credit but I have never given them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some accounts listed on my credit report do not belong to me or that I did not open. This is my police report : XXXX, and the accounts are listed below : - XXXX, Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX, Account # XXXX - XXXX, Account # XXXX XXXX XXXX, Account # XXXX - XXXX, Account # XXXX - XXXX XXXX Account # XXXX - XXXXXXXX XXXX XXXX, Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit report as a factoring company and is not a factoring company, they are a debt buyer. This is a violation of FCRA .Also on the account the terms are listed as one month. I never made agreement with XXXX XXXX on terms for this account which is inaccurate and violation of FCRA.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at XXXX XXXX my account was debited for {$1200.00} from Ace # XXXX ( Ace Check Cashing ) Which to my understanding is in California. I live in XXXX Florida and I have never traveled to California. I have reached out to the institution to inform them of the unauthorized debit from my account and they advise my claim was denied solely on the fact that their associate verified my identity which is highly impossible I have filed an id theift report with my local police department regarding this matter. I asked the customer service team was any video footage pulled regarding the verification their only rebuttal seems to be that they believe there associate did the correct verification process.
Product: Debt collection

To whom it may concern, I am a consumer. I made an uninformed decision when I allegedly entered into this consumer credit transaction. There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. Reporting late payments on my credit report every month is defaming my character.

It is preventing me from opening new accounts as well as buying a house.
Product: Debt collection

We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure.
Product: Credit reporting or other personal consumer reports

Delete : Potential Negative Entry from My Credit Report for Account XXXX XXXX XXXX XXXX 

Delete : Hard Inquiries : Inquired on DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on DATE XXXX XXXX XXXX XXXX XXXX Inquired on DATE XX/XX/XXXX XXXX XXXX XXXX Inquired on DATE XX/XX/XXXX XXXX XXXX XXXX Inquired on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on DATE XX/XX/XXXX XXXX XXXX.
Product: Debt collection

Debt collector attempting to collect debt and has not sent validation of alleged debt
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the conduct of Experian, Equifax, and Transunion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which mandates the proper handling of consumer credit information, and 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon a dispute. 

I have submitted multiple disputes to Experian, Equifax, and Transunion concerning inaccurate information appearing on my credit report, yet they have failed to conduct a thorough investigation as required by law. Instead, I have received boilerplate responses and perfunctory rejections without any substantial review of the evidence I provided. This behavior constitutes a willful violation of the FCRA and demonstrates a blatant disregard for consumer rights.

As per 15 U.S.C. 1681n, I am entitled to pursue legal action against Experian, Equifax, and Transunion for their failure to comply with the FCRA, and I am prepared to escalate this matter by seeking statutory and punitive damages for their reckless and negligent actions. 

To resolve this matter, I demand the following actions : A full and proper reinvestigation of the disputed items.

Immediate deletion of any unverifiable or inaccurate information. 

A detailed report explaining the methods used in their previous investigation. 

Compensation for the harm caused due to their failure to comply with the FCRA. 

If Experian, Equifax, and Transunion do not comply with these demands, I will have no choice but to pursue legal action, including filing a lawsuit for damages and reporting these violations to regulatory agencies. 

Please respond within the legally required timeframe of 30 days, as mandated by the FCRA. Failure to comply will result in further legal recourse.
Product: Credit reporting

I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted.
Product: Credit reporting or other personal consumer reports

I have been disputing this one account with Experian for 2 years now. They have yet to take this inaccurate reporting account off my profile. I disputed this account first in XXXX of XXXX. They did not send over validation that it was mine. The account is XXXX XXXX XXXX. Account number is XXXX. They have not updated this information with experian since XX/XX/XXXX! Its now XXXX. Thats a violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.
Product: Payday loan, title loan, personal loan, or advance loan

Bullet points : We ( my partner and I ) took out a loan using our truck. 
We paid the loan. 
I was unemployed due to medical - we were sold the unemployment benefit at the time the loan was taken out. 
We were DENIED the benefit. 
We fell behind. 
Our interest/penalties grew. 
We somehow paid it after a long period. 
We were all paid up. 
We moved. 
-cut to 7+ years later A summons shows up in our mail saying we had a judgement to pay almost {$4000.00} extra. 
( No notice, no attempt to contact. ) We tried to contact the lawyer that sued us an stated to the court that they were " attacked '' when they " tried '' to contact us etc. ( All taking advantage of the post pandemic overloaded courts. They lied to the courts. Flat out. ) We were forced to pay the money or face jail time. 
I paid them. 
The law offices are a branch of One Main. So my issue is : Why on my credit report does it say my debt was a charge off if it was still owned by One Main and two HOW did they get away with this?
Product: Debt collection

nation wide recovery sy has tremendously ruined my credit. i am NOT aware of any debts owed. nor did i give consent for them to report to my credit agency. this is unlawfull and needs to be terminated.
Product: Debt collection

XXXX 's sent my acct to Collection to Capital Management Services , LP ( XXXX 's sister company ) on XX/XX/19 for a debt of {$310.00} ( including fees charged and interests charged ). 
Regardless the account is canceled by credit grantor, XXXX XXXX is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/19 offering a settlement. According to XXXX-Capital Management Services, LP the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). 
Unfortunately, XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Unfortunately, the amount increases every month and according to the last statement released by XXXX XXXX, the actual debt increased to {$500.00} As a consumer I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by XXXX XXXX and Capital Management Services , LP. resolving this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} CFPB implements and enforces federal consumer financial laws to ensure that all consumers consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive.
Product: Credit reporting or other personal consumer reports

I have sent this company a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally blinded and or insured to collect in the state of TEXAS. Please have this company cease all collection activities this my last attempt to complain outside of court.
Product: Credit card or prepaid card

IhaveacreditcardwithCitibank.MybalancewasXXXXuntilapparentlyXX/XX/13.Iloggedintomakeapayment,andmybalancewaslower.IcalledandtheytoldmetheygotanoticefromXXXXtolowermybalance.Shesaidshecouldntdoanythingaboutit.Iwasnotnotifiedofthischangebuthadtofindoutformyself.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )  XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts and inquiries in my report and found that I need to visit FEDEDAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts and inquiries listed in my credit report. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/ inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX , XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy Reference XXXX  XXXX ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, all 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent, and or instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint regarding incorrect data on my credit report regarding : The discrepancies are negatively reflecting on my credit report. 

The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is my understanding that the credit bureaus will re-investigate this for me to ensure a resolution resulting in removal of inaccurate reporting information. 
These accounts are also marked as written off, as well as charged off. If they have indeed written something off then it is my understanding that the company would have a 1099-C with such information to prove that statement reflecting on my credit report. 
A company can not continue to reflect the status as new debt if they have written it off the data on my credit report shows the company reporting new debt updates monthly thereafter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today and I had to call 3 times because the first 2 times i was hung up on but the 3 time the man I spoke with said I have to dispute the addresses on my account over the phone even though I mailed a letter on XX/XX/XXXX to get these unauthorized addresses off my account and nobody reach out to me telling me I had to speak with anyone I called to check he said he can't remove the addresses because they are attach to my credit report even though I sent a letter and documents saying it's not, and they won't remove the other names on my account. Plus according to 15 USC 1681 Section 604 A Section 2 in the Fair Credit Reporting Act which they are violating my information is supposed to be accurate and up-to-date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has Stolen My Identity to Open These fraudulent Accounts I cant Believe that this Has Happen to me Please Help me resolve This Situation.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The unauthorized access to my personal information has resulted in these accounts being fraudulently opened or reported, and I ask that they be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX {$35.00} INQUIRIES TO BE BLOCKED : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased our family car in XX/XX/2013 3 years into a perfect record in payment I was left alone financially with my XXXX XXXX children. Car was reposed as I could not keep up payments. It is showing now 3 years later as still open on my credit reports. I have disputed with all 3 bureau 's and original lender. All to no change in my life is suffering due to it.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX