23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX OMEGA RMS Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OMEGA RMS Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was stunned to find inaccurate accounts listed. This was totally unexpected, as I've been checking my report regularly, and everything has always been accurate until now. Refreshing my browser didnt change anything ; the errors were still there. I urgently request a detailed review of my submitted documents to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone XXXX DL XXXX SSN XXXX Email XXXX Im not going to site FCRA codes as I believe the XXXX XXXXXXXX as well as the credit bureaus can understand that there was a misunderstanding when the card changed over from XXXX XXXX XXXX XXXX and there was confusing that this card even existed anymore being Somehow the notification were missed that the company has switched from being one company to another is how the 60 days late accrued! Just asking that the company give a pass on these late charger and remove them. I hope a person reads this and its not done by AI so its more heart felt. The account is : XXXX XXXXXXXX Acct number : XXXX Date opened : XX/XX/year> Amount : {$200.00}
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. 15 U.S.C 1681 section 604 A I would like this immediately removed from my credit report.
Product: Checking or savings account

i submitted a fraud claim to chase mid XXXX because i noticed fraudulent charges on my acct and i cancelled the card. they sent me a new one. two weeks ago i see the charges are reversed and i call chase they say it is because the charges were made by me. they werent the charges say they were made in person meaning youd have to be in the location with the physical card. i had already reported my card lost and made a police report about it. they still refused to reverse the charges now my account is negative {$810.00}
Product: Checking or savings account

On XX/XX/2019, I went to my appointment at the Bank of America branch located at XXXX XXXX XXXX, XXXX, KS, XXXX. The reason for my visit was to open a new checking account in response to an offer I received in the mail for a {$300.00} bonus after direct deposits totaling {$4000.00} or more. XXXX XXXX was the Relationship Manager who opened the account with me and I watched her type in the unique offer code from my mail offer so I would receive the bonus. My initial {$100.00} deposit receipt is attached show the account was opened and funded before the XX/XX/XXXX deadline for the offer. 

The terms of the offer stated I had 90 days to receive {$4000.00} or more in direct deposits. By XX/XX/2019 I had met this requirement and on XX/XX/19 I exceeded the requirement having received {$5000.00} in direct deposits by that date. 

One I had met the requirements of the offer, the terms stated I would get my {$300.00} bonus within 60 days. This 60 day waiting period was over on XX/XX/2019. 

On XX/XX/2019 I contacted Bank of America ( XXXX ) to ask about the status of my offer. The first representative who I spoke with ( I believe her name was XXXX ) said she did not even see the offer on my account. She then transferred me to XXXX XXXX in the preferred client division to looking into my account further. 

XXXX also did not see the offer on my account and I gave him my offer code as well as some other information so he could request an investigation from the marketing team. XXXX gave me XXXX as a reference number for the marketing team investigation as well as XXXX as the phone number to contact his preferred client division directly. He informed me the proper teams would look into the issue and if it was decided I was owed the {$300.00} bonus, they would mail me a check within 30 days. 

As of today XX/XX/2019, that 30 day waiting period has ended and I have not received a check/deposit for my {$300.00} bonus nor any other communications from Bank of America.
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 confidentiality under XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I have credit monitoring services through my bank and through OPM because I work for the federal government and alot of our information was compromised. I got an alert from both my bank and the credit services provided through OPM stating that Clarity Services , Inc. checked my credit report for some reason that is still unknown to me because I have not recently applied for any loans or credit cards. I contacted their XXXX number and they tell you to leave a message and they will get back to you, so then I sent an email regarding why are they making unauthorized checks on my credit report. I recieved an email back from a XXXX XXXX telling me to send them a copy of my govenment ID along with other paperwork so that they can investigate what is going on and why they are reviewing my credit report. I replied to the email and stated to him why in the world would I send you my infomation and I am trying to figure out why you are looking into my credit and it was unauthorized in the first place. He stated he understood but is still asking for my information. I have yet to reply to the last email sent by XXXX XXXX and I just do n't feel comfortable with the whole situation. Again like I have said it is unauthorized and I want it removed from my credit report and I would like for them to be investigated for unauthorized use to run my credit report. I have researched this company and many complaints have been made through the XXXX for the same activity that is happening to me at this current time. Please assist me in this matter because I am afraid that someone might be trying to steal my identity.
Product: Credit reporting

Equifax response to my complaint : Initiated a reinvestigation which is they sent a letter to XXXX XXXX to respond to my complaint. XXXX XXXX ( the company that has been reporting incorrect negative information on my credit ) sent me a letter which will be uploaded saying that back in XXXX their company was formerly XXXX XXXX. Since Equifax had XXXX XXXX send me this letter they will mail me a credit report and it will say the same thing. The account has been verified as belonging to you, no additional document have been received from the consumer and they will close this complaint because XXXX XXXX has clarified that they were formerly XXXX XXXX in XXXX. I have never had an account with XXXX XXXX. I have never had any contact or dealing with XXXX XXXX. I have never applied for an account with XXXX XXXX. My complaint is that from XXXX to now, incorrect negative credit information is being reported to my credit report. I have uploaded current court documents to support this. This account does not belong to XXXX XXXX and has not since XXXX XXXX. It was disposed, court documents to support but I guess XXXX XXXX is a higher authority.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX Ct, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received an alert through XXXX XXXX that a collection had been placed on my credit. I have perfect credit and never paid a late pay in my whole credit history. The day I received the alert I called Central Financial Control XXXX Syndicated Office Systems and they could not pull up an account using my name, address, phone number or birthdate. I explained that are trying to collect a debt using the incorrect social security number. They requested I fax them my information to their Inquiry Resolution Center, which I did on XXXX/XXXX/2015. They said IF it was clear the debt was not mine, it would be removed. Several days later I get a new Alert stating Central Financial Control has opened a new account in my name. I called again and now they are saying I have to report this to the police. They continue to place collections on my account for the very same XXXX, to which I have never been, and I do not even live in the city XXXX. The entire situation was handled poorly. And they have ruined my credit. My XXXX score has dropped nearly XXXX points from this error. They are not helpful in resolving the issue. It is still not fixed. I have been going in circles for XXXX weeks.
Product: Credit reporting or other personal consumer reports

I, [ XXXX XXXX ], have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE NOTICE I've attempted to resolve this with LEXISNEXIS multiple times. LEXISNEXIS has done nothing except delay. They had previously said that the accounts had been authenticated. I am once again demanding that LEXISNEXIS provide me with paperwork confirming that I am LEGALLY OBLIGATED to pay this alleged debt. Many times, LEXISNEXIS has obtained identification information. Please keep in mind that this is creating financial hardship. Failure to respond in a proper and lawful manner will result in further legal action. Failure to respond within 14 calendar days will be seen as your acceptance of the debt 's illegitimacy. Please confirm and provide evidence that I am " LEGALLY OBLIGATED '' to fulfill these ostensible commitments. " HAVE BEEN VERIFIED '' is a simple response. 
Respectfully delete the following immediately : 1 ) XXXX XXXX XXXXXXXX ( XXXX  XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX ) 5 ) XXXX XXXX XXXX XXXXXXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 7 ) XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce : 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: Debt collection

I previously had a dispute with Suntrust Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The account that are in the file below along with the inquires that were made was not by me. I would like a specialist to analyze my report & to reach back out to this complaint in regards of the fraudulent activities that were made using my name. The addresses that are listed on the files isnt my address. I listed a proof of residence in the file below. I would like for me report to be investigated immediately.
Product: Credit card

On XX/XX/XXXX, I reported fraud on my Wells Fargo XXXX credit card in the amount of {$8000.00}. I contacted the company immediately to review my case. On XX/XX/XXXX, my claim was denied, on the grounds that the card was in my possession during the reported transactions, and the card has a metal chip that can not be copied. On XX/XX/XXXX, I reopened the claim and submitted a police report, employee time card, and credit report to prove that even though the card was in my possession, I was at work during the charges. On XX/XX/XXXX, the claim was denied again for the same reasoning- that the card can not be copied, which can not be true, since the card was in my possession and still incurred {$8000.00} of fraudulent charges. On XX/XX/XXXX, I reopened the claim again. Even though Wells Fargo insists that consumers are not responsible for fraudulent charges, they are accusing me of spending this money and refusing to wipe the charges from my account.