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

I have tried contacting all 3 credit bureaus to drop these inquiries. Transunion is no help even after speaking with a customer service representative. I can not get XXXX or XXXX to take them off either.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 theftandfraud.
Product: Consumer Loan

I financed a XXXX XXXX thru regional acceptance in XXXX XXXX I put {$4500.00} and have paid my notes on time every month except the lst 2 because I am trying to get out of this contract and with someone else. I owe more now than I financed. I got 2 deferrments because my mom had an XXXX and I took off work to care for her until she passed away and they charged me almost as much as the note to defer it, not to my knowledge. I have tried to refinance it or trade it in but I owe {$10000.00} more than it is worth and the other companies den me because regional acceptance says I have poor payment history which is not true. I have been trying to rebuild my credit with this loan, but my debt ratio is going up even though I am paying the note. I have chevked into a couple of class action lawsuits against this company but I am at a loss.
Product: Payday loan, title loan, personal loan, or advance loan

I founded this company upstart, has been consistently running my credit without my permission. I asked whether they had any information showing I was a customer, and they indicated I was not a customer and did not have a business relationship with them that they know of. I asked if they would open a fraud investigation to determine who was running my credit since they did not have any of my information on file. Although the credit report indicates the number I had called and the company upstart was the one running my credit. When receiving mailed materials, I have repeatedly tried to opt out of their offers per the printed material, however, they require social security number, date of birth, address etc. to accomplish this. I believe this entire company may be a scam and means of getting consumer information without their explicit consent. Please take a look at them.
Product: Debt collection

Ideal collections is still not going by the law they are trying to collect a debit that was done by identy theft, i have attached a police report they are asking for a fraud affidavid as the police stated this does not exist please read report. I have now gotten a lawyer and i am not nor will i provide them with my ID my identity was alreadys stolen, this will be the last attempt to have them remove this or the Law offices of XXXX XXXX in XXXX will file suit, i have never gotten a debit collection from these people this has been over 6 years this is now harrasment and extortion again i have a police report. Last chance to remove or XXXX XXXX wil take over
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled DRIVETIME/XXXX  Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I have never had a sprint phone ever in my life. This account is fraudulent and im requesting immediate removal in the next 30 days before i file legal action.
Product: Credit reporting or other personal consumer reports

Credit Bureaus have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inactions violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint regarding Cash Apps failure to provide adequate customer support and its unfair handling of consumer disputes. I have encountered multiple issues with Cash Apps dispute process in both XXXX and XXXX, resulting in financial losses due to their inadequate resolution system. 

1st Incident Fraudulent Wig Vendor ( XXXX ) I purchased a wig from a vendor who falsely advertised high-quality wigs but instead sent me costume wigs.The vendor refused to issue a refund, so I disputed the charge with Cash App. 

Cash App denied my dispute without providing a clear reason, and I was only able to communicate via emailthere were no live representatives available to assist me. I lost {$100.00} despite clear evidence of fraud. 


2nd Incident PA Lottery Double Charge ( XX/XX/XXXX ) I was charged twice by a Pennsylvania Lottery machine due to an error involving Cash App. 

I filed a dispute with Cash App, but they denied my claim without proper investigation.Once again, I could only communicate via email, which made it difficult to fully explain the issue.PA Lottery customer service confirmed the error and refunded me the {$31.00}, expressing shock that Cash App refused to assist me. 

My Consumer Protection Concerns : Lack of Live Customer Support : Cash App does not offer live customer service representatives, forcing consumers to rely on ineffective email communication. 

Unfair Dispute Resolution : Cash App denies disputes without thorough investigations, leaving consumers without proper recourse. 
Failure to Protect Consumers : If I had access to live support, I could have explained my disputes better and possibly received the appropriate refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out dispute letters to remove all old addresses.
Product: Credit card or prepaid card

I am a XXXX credit card account holder. I have called in to XXXX  credit card customer service on multiple occasions requesting to have my payment due date changed to 2 days later to coincide with my paycheck schedule, and XXXX continues to fail to change the date, which then they charge me a late fee every month. Today they told me that they REFUSE to change my payment due date because my account is {$0.00} ( less than {$1.00} ) above the credit limit, which is due to the late fee XXXX  charges me because they refuse to change my due date. Every month they refuse to change my due date and then charge me a fee for late payment. I believe this is unfair practices for a credit card company to REFUSE to change a due date and then charge me a late fee every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you
Product: Credit card

I initiated a balance transfer with Chase on XX/XX/23 of {$5000.00} for a 12 month promotional 0 % interest. I did this online. 

I received my XXXX bill with interest, so called in to make sure the promotion was in effect. I was told it was, but due to the terms of the balance transfer interest was charged on new purchases from the date of purchase instead of a traditional billing cycle. I said I was not told this, and they explained the agent had to go over these disclosures on the phone before allowing it to go through. It took two explanations from myself that it was not done with an agent but online before she said that I still acknowledged this would happen. 

I humbly admitted I'm sure did not read XXXX & XXXX 's of something like this before hitting " Accept ''. I asked to be emailed a copy of what I signed. It was stated that it could not be provided. 

Now, at this point I decided would just use another card for regular purchases to completely avoid this in its entirety. However, tracking down the all the pieces the card was tied to was problematic. But when charges came through, I made immediate payments to clear those charges to ensure no interest would be charged. 

However, I am now learning that Chase has been applying my payments with significantly higher priority to my brand-new 0 % balance transfer instead of the purchases that I had made that would be accruing interest. In addition, you are not able to see how your payments are applied in this fashion until your next statement when that interest has already been accrued. 

For my XXXX payment of {$2300.00} to clear all non-balance transfer charges, {$500.00} of that was used towards the 0 % balance. This is clearly in an effort to force the consumer to pay interest on their purchase. At a XXXX, {$450.00} would be the needed amount paid by month to have a this {$5000.00} transfer paid off in the 11 months by its due date. To take even more than this is blatant manipulation of payment to force consumers to pay interest.
Product: Credit card

XXXX XXXX are Scammers. A dentist who used XXXX XXXX to approve and finance my dental care for {$17000.00} which was charged to the card without the dental office doing absolutely anything but x-rays and putty impression to fit me for permanent overlay crowns that I didnt need or receive. The dentist said that he would bill the remainding cost to my insurance company, whatever that amount might have been. After a XXXX and no appointment to do my cleaning. I decided to get a second opinion concerning my dental needs. The second dentist gave me a complete service charge breakdown and care plan with an estimated cost of {$4300.00} to do the dental services. I then call Cowherds office and told them I had decided to go with another dentist and would not be coming back because I felt leery of the services. Right after the call to his office, I got an alert from my credit card company informing me that he had just charged my card {$17000.00}. I called the credit company and they advised me that I could dispute the charge, and I did. After going to court, All of the money was finally returned but XXXX XXXX charged me excess fees such as processing and late charges because they said they did not receive my payments which I sent directly to them each month and they said they never received the check or online payments I made. This is false and they claim my bank was in fault and caused the payment problem. XXXX XXXX in my opinion are scammers. Be ware!
Product: Checking or savings account

CASH APP SAID THAT I WAS VIOLATING ONE OF THERE RULES WHICH I WAS NOT AND THEY COSED MY ACCOUNT. THEY ALSO SAID THAT I WAS GAMBLING AND I WAS NOT. THEY WON'T LET ME OPEN UP MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 instructions. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  ( XXXX  ) - Account Number XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting false information on my consumer report. Additionally the false information appears to be older than 7 years. 
XXXX XXXX
Product: Debt collection

I have received a call every day ( multiple times ) since last Wednesday from Radius Global Solutions, and this debt collection agency continues to call after I have notified them that I won't be able to do anything about it for another month. The bill in question is a surprise or balance bill from XXXX XXXX XXXX, and they debt collection agency is excessively calling me after I told them I wouldn't be able to pay it now. When I visited the emergency center to get XXXX after a wreck, I was ensured by the administration team that the place/providers were in my network, but I got this bill after the fact because they misled me. They also misled me to believe it was a urgent care center instead of an emergency room. The bill in question is now illegal in this state, and I have serious questions about the ethical nature of collecting this bill. I have about 15,000 dollars in debt, and most of it is medical debt. I know the collection agency has no idea of what the bill is for but their tactics have been excessive and most likely violating regulations. 

Medical Debt is hurting so many Americans and government is just now trying to fix the chaotic state of insurance, providers, and big pharma in this country. Criminal what the healthcare system is doing in the modern age to profit off of hard working Americans.
Product: Debt collection

This debt is from Spring Oaks Capital and I have disputed this at least 7 or 8 times. I informed them it wasn't mine I send paperwork stating I filed fraud with the credit companies but the IRS too and yet they continue to do nothing. As of yesterday now it states the account was opened in XX/XX/2021. I have had my whole identity stolen this whole situation has been a night mare and the stress with this company is unbearable. It states the amount as XXXX I have no idea what this is. But I have read several complaints about this company doing the same thing to other people.
Product: Credit reporting or other personal consumer reports

I am writing pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) to request the immediate blocking and removal of fraudulent information appearing on my credit report. These accounts were opened and/or reported as a result of identity theft and do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I recently received a copy of my free credit report and notice some items that is not mine and I notice that I have never applied to these company so therefore. These inquiries should move ASAP with in 3 Business days after recognizing that none of the ones I have listed below have any permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX And Experian Have took the time to report this information with out my consent and verify be me I look forward to you guys response as you know this is CONSUMER REPORT AND I AM A THE CONSUMER I BY LAW TELL THE REPORTING AGENCIES WHATS SUPPOSE TO BE ON MY CONSUMER REPORT
Product: Bank account or service

I was provided a marketing brochure from Citibank stating that I can earn a {$400.00} cash bonus with a new account and qualifying deposit. It says open to see the details. On the inside of the brochure, if states you can earn a {$400.00} cash bonus if I open a consumer checking account by XXXX/XXXX/2016 and deposit {$15000.00} or more within 30 days of opening the account and maintain a minimum balance of {$15000.00} for another 30 days, I will collect the bonus of {$400.00}. 
I just went to the Citibank branch and they informed me that I have to leave my money in the account, not for 60 days, but for 90 days. That is not what the brochure stated. In my opinion, this is marketing deception and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

If you claim this account is100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, DISCOVERBANK XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Mortgage

Last year at the beginning of the COVID-19 crisis, was on short-term XXXX XXXX, due to problems at my office. I fell behind on the payments. Then State Department of Revenue hit me for back taxes and penalties. 

Now I am back working and just received my social security retirement which allows me to pay the total mortgage of {$1700.00} with taxes and insurance. The problem is I was seeking help with the Biden administration relief plan to help struggling homeowners who have fallen behind on payments due to the COVID pandemic. 

I have applied to the company for this program and have not heard anything back, I know that the company is threatening foreclosure. I have read that there are national concerns with how the banks, lenders, service companies and not prioritizing helping minority homeowners. I have requested from the beginning a 30-year mortgage and was told no. This would have been a huge help. I lost all the equity due to the XXXX  housing crisis.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using Taptap senn money transfer agency. Transection id XXXX XXXX XXXX XXXX XXXX} right away after few minutes I received money delivered to recipient account. After Three days my recipient told me money never reflected to him account called customer service they told me to provide recipient bank statements proof that money was not deposited i did provide that right away it's been two weeks I'm calling almost every day taptap send customer service they have no clue where is the money go they are keep telling me we're investing your case but wouldn't tell me how long I have to wait I asked for my money back they said it doesn't work that way
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account Number: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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.