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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called XXXX XXXX XXXX XXXX XXXX XXXX, VA to discuss a {$470.00} medical bill that was on my report. I knew that most credit agencies will removed collection accounts after they have been paid I asked if this would be removed from my credit report and I was told no. As it is up to the creditor I accepted the answer and went about my day. On XX/XX/2018 I became aware that veterans medical bills listed as collection, delinquent or charged off will be excluded from the veterans credit report. After obtaining my credit report to verify that this account was still listed, it was now updated as paid, and that my occupation was in fact listed as retired XXXX XXXX, I called the company to again ask for it to be removed. They told me that per the conversation on XX/XX/XXXX it will not be removed. When I attempted to discuss the section in the FCRA that states this I was greeted with complete surprise and confusion. And again I was referred to the XX/XX/XXXXd conversation. Neither the employee I spoke to or the supervisor she went to knew what the FCRA was, even after explaining that it was the fair credit reporting act which governs the information they are allowed to report I was first asked to email or fax the information and then asked for a rreport number or code as tho they didnt understand. This is a debt collection agency, of all people they should know about the FCRA, in addition to that they very specifically deal with medical debts. The Economic Growth, Regulatory Relief and Consumer Protection act was signed in XX/XX/2018. The FCRA was updated in XX/XX/2018. This company absolutely failed in their responsibilities to provide fair and accurate reporting of information by sheer negligence. The employees and supervisors are clearly not properly trained. The reporting and operating procedures need to be investigated to ensure that they are following the laws that govern their agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXXXXXX cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX XXXX  XXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX XXXX XXXXXXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX XXXX XXXXXXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX XXXX XXXXXXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 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 those violations.
Product: Debt collection

Transworld Systems Inc sent me a debt collections bill in the amount of {$64.00}. I do not owe this alleged debt. I have called Transworld Systems Inc, and they have used abusive and hostile communication tactics. In addition, the Transworld Systems customer service representatives have repeatedly hung up on me multiple times when I have called them. Transworld Systems Inc has repeatedly violated the Fair Debt Collections Practices Act with their repeated abusive and hostile debt collections tactics towards me. I do not owe this alleged debt nor do I want any further communication from Transworld Systems Inc as they have repeatedly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection tactics.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX on XXXX XXXX the account number # XXXX, an a auto loan opened at XXXX XXXX # XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint. 
as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

In  XXXX   2017, I received a debt collection letter from State Collection Service , Inc., for {$8.00}. I immediately called the debt co llector and asked what this amount was for. Customer rep said if I owned a  XXXX   XXXX . I said no. She then said Okay, sorry to bother you.     In  XXXX     2017, I rece ived another debt collection letter from the same company but this time saying I owe {$93.00}. I immediately sent them a Debt dispute letter requesting they provide proof it is my debt by sending me signed contract agreement, detailed and explanation of how they came about this amount.     On  XXXX   XXXX  , 2017, the y respnded to my letter and failed to provide me the information I requested to validate the debt. It still does not show how they came about this amount and any signed contract that I agreed to pay this amount. And now they are claiming I owe {$110.00}.     This company is fraudulently trying to collect money from me. They keep changing the debt amount and failed to provide proof it is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After BeforeClose XXXX/XXXX/XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. {$65.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$660.00} Credit Limit {$780.00} Highest Balance NA Terms {$720.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Additional Information XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX this account was accidently disputed plz do not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

i called Synchrony Bank XX/XX/2022 to close the account. I called today to confirm that the account was closed. The bank is still reporting that I have been paying late despite the fact that the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Recently, a collection agency named National Recovery Agency, started reporting 3 medical bills on my credit report. Prior to these accounts appearing on my report, I did not receive my notice of my right to dispute. This is a violation of my federal rights under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have fraudulently pulled my credit without my authorization. I do not recognize any of these inquiries. I have spent a lot of time trying to reach out to these companies and they do not respond to me with proof that I opened these inquiries. I believe these are fraudulent and I am a victim of identity fraud. I am demanding these inquiries be immediately removed or I will take legal action. I am also filing an FTC report. Please help me get these removed, thank you.
Product: Money transfer, virtual currency, or money service

I had a charge for a recurring service with XXXX XXXX ( XXXX Texas ). After the park had stopped operation due to health concerns and regulations, the merchant continued to charge my account. Prior to the park closing, as well as after, I repeatedly tried to get the merchant to stop charging my card. I never ( as of XX/XX/2020 ) received a response from all of the given options to contact them. I then reached out to their online national chat support and was told that the parks are responsible for, and manage all memberships, and that national chat support can not. After a couple of class action lawsuits were filed XXXX XXXX set up an automated system to 'pause ' account until the parks re-open. That has paused the account going forward as a temporary solution. I requested Venmo to investigate the matter as I was no longer authorizing the merchant to charge my card. Venmo then requested more information all of which I sent as a reply to the email as was requested. They declined the complaint citing the requested additional information was never provided. I reached out to them again stating I did provide the information. They asked me to upload it a different way to re-evaluate. They then requested 'more ' information again most if not all was repeated questions with different wording. I sent that as well though. Again I was told I did not reply and the case was again declined. I reached out a third time and again was asked to upload the information a different way. I received confirmation they had received it and that the team would reply within 3 business days. I have received no response from either the person that forwarded the information to nor the 'team ' and it has now been over 3 days. I started this process with the actual date of XX/XX/2020 as the case opening and have yet to get either a reasonable and justifiable explanation as to why they feel XXXX XXXX was correct to charge the card, or a chargeback to the merchant. I have now requested an update from Venmo as well but feel that the roundabout information and claims that Venmo has made are improper to say the least. I would appreciate any support that can be provided regarding this matter with either the CFPB or the merchants involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$10000.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed these three collection accounts with the credit bureaus and I have just sent my 6th letter last XX/XX/XXXX. I would like to know how the credit bureaus actually do their investigation? I can't seem to get the accounts corrected or updated. The reporting still appears to be erroneous. The date of last activity for the XXXX XXXX account for example. The date cant be reported on different months since there is only one creditor which is XXXX XXXX XXXX It shows that the date of last activity in XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. How is the date reporting inconsistently? The credit bureaus are unable to correct and validate this and I've been trying to resolve this and dispute this as well with the collector directly. The credit bureaus are still unable to verify and validate the reporting of these accounts.
Product: Checking or savings account

Against Union Bank of XXXX  I have had a business account with them since at least XXXX. Unfortunately, Union Bank allowed 5 unauthorized withdrawals from my account. The first one was for XXXX cents on XXXX XXXX. The other unauthorized withdrawals took place as follows : XX/XX/XXXX for {$13000.00} ; XX/XX/XXXX for # XXXX & on XX/XX/XXXX for {>= $1,000,000}. 

I first found out about these unauthorized withdrawals on XX/XX/XXXX when the bank called me to tell me that I was overdrawn. I knew that was impossible so I called customer service. They proceeded to tell me about the withdrawls. They further told me that I had to go in person to the bank to file a claim. 

I went into the bank that same day and filed the claim. I also provided them with a letter stating that all those withdrawals were unauthorized. 

On or about XX/XX/XXXX the bank notitifed that they were denying my claim on the basis that they were told by the company that I signed an authorization. I told the bank that this was NOT true and to send me a copy of the authorization. 

Nonetheless, besides me not signing any authorization there are several problems with that story. First of all, assuming arguendo, that I did sign an authorization ( which I didn't ) why did the bank allow the funds to be removed without first seeing the authorization. Secondly, if they had a signed authorization why did they first have to test the withdrawal from account for XXXX cents. 

Lastly, and the most important, the withdrawal was allegedly for a collection account for an LLC. I have NEVER been an LLC. My account is solely in my name. Thus, the bank allowed someone to withdraw funds from an account that was and is NOT under my name. 

Despite this, they refuse to reimburse me the money. This is wrong. They should immediately reimburse me the money that was wrongfully taken from my account, that the bank wrongfully allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo will not remove late payments reporting incorrectly by Wells Fargo 's fault. The tradeline for furniture was not late and paid in full. The account closed in XX/XX/XXXX. The Credit Report that was pulled for my mortgage states that I was late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can you be late on a paid in full, closed account? I have submitted disputes and called numerous times to get Wells Fargo to fix this error. No action has been taken by Wells Fargo to fix their mistake while my credit score is being punished and penalized. This is unfair to the public consumers and limits borrowing/buying power. Also, this disaster of a service from Wells Fargo negatively affected the interest rate I was able to obtain for my mortgage. Wells Fargo should be punished and fix the errors immediately.