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

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, XXXX, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX  Account Number : XXXX Reported By : EXPERIAN Date XXXX : XX/XX/2022
Product: Vehicle loan or lease

I was financing my XXXX  XXXX XXXX with Wells Fargo and was having financial hardship they repossessed my vehicle for one late payment demanding total amount of loan amount left of about {$6600.00} after repossession and had about 8 months left on the loan terms and charged us with GAP Insurance while we had full auto coverage. I have been reimbursed in small increments for the GAP insurance but I truly believe that I qualify for payment on the unlawful repossession according to the most recent Wells Fargo Settlement.
Product: Credit card or prepaid card

XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. 

The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from CAPIO . I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against CAPIO in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
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 violates 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. Futhermore, 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

On XX/XX/XXXX & XX/XX/XXXX, I placed two orders through XXXX, XXXX XXXXXXXX XXXX XXXX XXXX & a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, that I did not receive. According to XXXX, both orders were delivered on XX/XX/XXXX. As per the drivers notes, the packages were handed directly to a receptionist or someone at a front desk. Signed by : XXXX, however this information is false. My address is a private home not a business & I never signed for these packages. I contacted XXXX 3 times ; during the first and second conversation, the rep offered a full refund that was never credited ( I even got a confirmation email of such refund, but it was never credited to my account ). During my last conversation with XXXX, the rep stated that according to their investigation, the packages were delivered & because of this they would not process any refunds or replace the items. I asked the rep to provide me the proof on which this decision was made & he simply said that the packages were signed for- I understand they were signed for & also delivered somewhere, but it was not delivered to my home address. XXXX also suggested that I file a police report for stolen items ; I attempted to do this, but when I explained this to my local police dept, they stated this is not a case of a stolen packages that it was more of a delivery delivered to the wrong address. As of today, I am out of the money I spent on these items, {$110.00} & {$160.00}, and XXXX does not want to replace them. The driver must have stolen the packages or delivered them to the wrong place. The driver lied about me signing for them ( I forgot to mention, signature was required at the time of delivery for both packages ). Order XXXX XXXXXXXX Order XXXX XXXXXXXX. 
Moreover, I filed a transaction dispute with my Apple credit card company and they have denied the case twice because they are siding with XXXX. I requested for the proof and after reviewing the proof XXXX provided, it is clear that they have no real evidence of the packages being delivered to my house. XXXX provided my credit card company the same information I had given them when I initiated the transaction dispute, so it is unclear to be what kind of investigation took place. I am in disbelief as to how my credit card company is taking the side of a company thats clearly providing false information on customers ( Needless to say, I am no longer a member of XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I received a writ of ganisment I never received a summons as I live in a different state now the gave the summons to my mother then followed up by mail to my mother 's address. So the garnishment went through to my employer and they are taking said money and reporting all of this on my credit but all of the info is from oregon and I live in arizona. I tried to call them today and figure out a solution and they hung up on me. So I called today and yesterday would be XX/XX/XXXX and XX/XX/XXXX they mailed this writ on garnishment to my mother it is dated XX/XX/XXXX and the garnishment started XX/XX/XXXX. I honestly didn't get a chance to remedy this and or wasn't contacted about the debt/garnishment. I just received the paperwork via snail mail by my mother within the last week.
Product: Mortgage

Our loan was sold to this shady XXXX company, Specialized Loan Servicing in XX/XX/XXXX. They are saying we didnt make a payment although we have provided proof that we have. They stated we would have to make ANOTHER payment to make account current. 
We called on XX/XX/XXXX to get it resolved, theyvsent it to Review, along with our proof of payment ( supposedly ). As of today XX/XX/XXXX we still have no resolution. I have a list of 9 different people I have talked to who just put me on hold and move on. I've requested a manager and again, I'm put on hold and advised a manager would call. STILL no call from anyone. Over this XXXX company!!!!
Product: Mortgage

We had a mortgage with Wells Fargo on our home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. During that time frame we fell behind on our payments in XX/XX/XXXX. We applied for a modification with ASC the loan servicing company for Wells Fargo. ASC sent a a letter on XX/XX/XXXX, advising us we might be eligible for a modification of loan, we applied and were then sent a letter stating We are unable to come to a mutual agreement regarding workout. 
We are part of the defined class covered in the {$3.00} XXXX settlement and have not received any compensation to date or correspondence from Wells Fargo. Then our home was foreclosed and we lost our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX  Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm submitting my CFPB follow up complaint today, and as per FCRA section 605b XXXX, Equifax and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report, and ( 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of 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
Product: Debt collection

I got an email from my payroll dept regarding a wage garnishment. The company XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
Product: Credit reporting or other personal consumer reports

Just like usual they give a run around about why they dropped my score by XXXX and not raising it back up, XXXX has gotten worse than Equifax, and they are protected by our government, all of which has been hacked and our information stolen, and they tell people who is credit worthy, Thank You for nothing
Product: Bank account or service

I went on a leisure trip to XXXX XXXX, XXXX in late XXXX / early XXXX. On XXXX XXXX, I was in need of cash and proceeded to a nearby atm. The bank happened to be XXXX. I tried XXXX different machines at the atm unsuccessfully and just had a friend spot me cash for the night. Upon my return to the United States, I noticed that the XXXX attempted atm transactions had cleared and registered as shopping transactions at a clothing retail store in XXXX XXXX. I had not done any kind of shopping let alone stepped foot in a retail store. I called JP Morgan Chase and filed a fraud complaint on XXXX XXXX. I was given a temporary credit of {$430.00} pending the outcome of the transaction. 
On XXXX XXXX, I received a letter in the mail from Chase that the credit had been reversed because they could not verify any incidence of fraud on the account because my debit card had chip and PIN protection and could not ever be breached. I called the fraud claims department and was basically told the same thing. To add insult to injury, the claims specialist said I had to have known about the debit card transactions for them to have taken place and that the case would be permanently closed. 
Upon my own personal investigation and just typing " chip card fraud XXXX XXXX '' in XXXX search, the very first link was to XXXX in which other travelers like myself had the same experience, under a term called " Skimming ''. Basically, something might have been attached to the machine that took all my information, despite claims by Chase that the card could never be cloned. 
This shows gross incompetence and negligence on the part of Chase, as there have been articles in major national publications and consumer finance websites that Skimming has been on the rise despite the introduction of chip and PIN cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, Experian, and XXXX Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I ordered a XXXX lb bucket of chlorine tablets from an on line company at XXXX. I received an order confirmation for {$61.00}. On XX/XX/XXXX I received an email with the tracking number for the order. The order was supposedly delivered XX/XX/XXXX. Since I was expecting it that day I paid careful attention, and nothing was delivered to my house. I contacted the post office and found out that that tracking number was delivered on the day it said, but to an address across town, and the weight of the package was XXXX oz., so it could not have been my XXXX lb bucket of chlorine tablets. I contacted my credit card company and filed a dispute. I was required to fax the info to them as they would not accept it by email. They denied my claim and told me to contact the company I had ordered it from. I tried multiple times to email them but received no response. I tried to explain to the credit card company that the company I ordered from was fraudulent and that the tracking info they sent me was fraudulent. I sent then a copy of the email from the post office showing the address it was delivered to and the weight but they still refused my dispute. I have refused to pay them the {$61.00} and they have added a late charge each month and reported the account as delinquent and will soon turn it over for collection
Product: Debt collection

I already paid this debt off to the XXXX XXXX XXXX and as of XX/XX/2019 I am paid up/paid off all debts owed to the XXXX XXXX XXXX. This amount listed from Contract Callers is not only inaccurate but it is false, I want this removed from all 3 credit bureaus. 

I can show a bill that shows my account was current and still being billed on the date the Contract callers dinged my credit profile for the false amount of {$410.00} shown.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Account : Regional Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : Credit Collection Serv Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$66.00} Account : XXXX XXXX XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

My credit score has inexplicability dropped over XXXX points in the last 5 days. 

My attempts to receive a free annual credit report via XXXX failed. The website was not able to provide a credit reports for all XXXX credit bureaus ( i.e. XXXX, XXXX, TransUnion ). The TransUnion website failed to provide a credit report. 

Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ** Subject : Dispute of Inaccurate Information Under 15 U.S.C . 1681i Dear XXXX, I am writing to formally dispute the accuracy of information associated with my credit report ( Report Number : [ Insert XXXX Report Number, if known ] ). Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I ask that you investigate and correct the following inaccurate, incomplete, or unverifiable items related to my account with Capital One : 1. **Account in Dispute : - Creditor Name : Capital One - Account Number : [ XXXX ] - Disputed Item ( s ) : Due to the data breach that occurred my credit file was compromised in 2017 and has since been reported inaccuracies, Late payments reported in my credit file as well as a inaccuracies of my credit score - Reason for Dispute : I am a victim of identity theft because of the circumstances that have accrued which has caused me financial hardship due to inaccuracies in my credit file and improper credit history which has led to creditors seeing a inaccurate credit score on my credit file.

Under 1681i, you are required to conduct a reasonable investigation within 30 days and provide written results. If the information can not be verified, it must be promptly deleted Enclosures Please send me an updated credit report and a summary of the investigations outcome. Failure to comply with FCRA obligations may result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has 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 instructions.