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

I am submitting a new complaint once again to apprise you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and lodged an identity theft report once more, in accordance with FCRA Section 605b, where Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report. Enclosed are the ATTACHED documents intended to facilitate the removal of inaccurate information currently reflected on my report. Here is the list of inquiries that do not pertain to me or were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.
Product: Credit card

I was charged twice by XXXX on 2 separate bank accounts. I called my wells fargo credit card to let them know and to refund me the amount but they have refused. The transaction was done on XX/XX/XXXX I have already provided a statement from my XXXX XXXX XXXXXXXX checking account showing i was charged twice. They have refused to refund the tranasaction after several attempts. They have not sent me any correspondence no phone calls emails etc. All attempts of communication have come on my end without wells fargo taking any initiation.
Product: Credit reporting

My XXXX account was discharged in a bankruptcy XX/XX/XXXX. It showed up again around XX/XX/XXXX on my credit report ( Trans Union ). XXXX reported a derogatory amount of {$600.00}. This should be removed since it was taken care of in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I noticed some credit inquiries in my credit report of Trans Union, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX
Product: Credit card

acct closed under CHP XXXX bankruptcy and still showing on my XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to have XXXX XXXX pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with XXXX XXXX typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the XXXX XXXX account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid XXXX XXXX in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay XXXX XXXX in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a 36-year history. I have called XXXX XXXX on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately XXXX points because of this issue. XXXX XXXX needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.
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 process was unfair and deceptive, as they did not comply with error resolution requirements unde
r 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA, XXXX Re : Dispute of Reinserted Account - Request for Immediate Removal Dear TransUnion, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX XXXX, The account was removed from my credit report as of XX/XX/XXXX, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the account 's previous removal, including proof of the removal from my credit report. Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/year>, there was a fraudulent Chase Freedom XXXX XXXX application using my personal information. On XXXX, XX/XX/year>, I received a credit alert about a XXXX  inquiry on my account and contact the Chase XXXX department. I was told the credit card application was shut down and that it was reported to the credit bureaus. However, it is almost XXXX month later and the hard inquiry has not been removed. I contacted XXXX and they advised that I can not submit a dispute for a XXXX  inquiry and that Chase needs to update my credit report to remove the XXXX  inquiry. After contacting Chase again, I was told that I need to wait up to XXXX  days and then contact them back if it has not been removed. This is not a satisfactory resolution time as this was fraud and should be resolved quickly so as not to impact the credit score and report of their customer.
Product: Debt collection

My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to Transunion which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. XXXX XXXX XXXX has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title XXXX5 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from XXXX XXXX XXXX XXXX in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent IC Systems and XXXX requests about this collection being reported to see if this is even an actual true debt I owe, neither XXXX  nor IC Systems have sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XXXX  has removed this account from my report because they were not able to substantiate this account, so I am curious how XXXX is able to? Additionally, XXXX is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown XXXX  their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 Bum. 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 transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

Contact XXXX and sent letter item is a charge off, explain that wasn't my debt
Product: Credit card or prepaid card

XXXX, XXXX, through XXXX charged my American Express Platinum card XXXX bathing suits at {$660.00}, I did not order or received. 
American Express platinum covered the charges. {$660.00}. 
XXXX reversed the charges, {$660.00}. 
American Express Platinum did not reverse their covered charge. 
I am left with a fake charge of {$660.00} from American Express Platinum, I am expected to pay! 
I wish to reverse American Express Platinum charge {$660.00}, asap.
Product: Checking or savings account

regions took money out of my savings after a fraud to re coop the difference What law lets you do that? 
that's is an unlawful act
Product: Debt collection

The reason I'm filling this dispute out is because the company I've went through which is a third-party company of XXXX insurance has put an inaccurate collection onto my credit this year after canceling my policy last year. On XX/XX/XXXX of last year, I canceled my policy due to cost. I continued to tell the representative that after this month, I am canceling my policy so take me from their scheduled system of auto-pay since I won't be using their company for insurance anymore. The representative didn't cancel, nor did they take me from their payments, after me asking them to, charging me an additional XXXX for a policy I had already canceled on XX/XX/XXXX of XXXX. They continued to charge me for a policy I canceled. I have messages ( text which was one of the only ways that the representative communicated ) from the representative proving that I asked of these things, with no reply nor did they tell me that they didn't cancel it after I canceled it and informed the representative that I am canceling and would not want to use their insurance policy anymore.
Product: Credit card or prepaid card

My Citi Hilton honors card was closed in XX/XX/XXXX, as they decided to transfer the business to Amex. Mistakenly, I made one payment to Citi during the transition. The payment was in the amount of {$100.00}. This payment was not applied to my amex card, as I had to pay them the same amount and interest when I was notified my card was past due. Citi send me a letter dated XX/XX/XXXX stating that they have my payment, and a copy of the check, but they don't have an account to apply it to. ( letter has a reference number XXXX. I don't have my old Citi card number ) I've called 3 times. Once I was told to " wait '', once I was told to call Amex ( I did, they told me to call Citi ) and once I was bounced around to multiple people and then the call was disconnected. I also sent an email to Citi consumer complaints. No response. 

Its only XXXX bucks ... which quick honestly I could care less about. Its the principle of the matter, its the time I have spend trying to get it back, and its the thought that someone, some family who has nothing, and needs that XXXX $ to live, couple possibly be out the money and unable to get it back. In fact, I don't care if I get the money ... I just don't want Citi to have it. Donate it to a food bank, and send me proof.
Product: Debt collection

On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).
Product: Credit reporting or other personal consumer reports

Hello, A few years ago I noticed 2 XXXX XXXX on my credit report. I contacted the servicer and filed a complaint that the accounts were not mine. I was instructed to request a forbearance while they did research so I would not have any payments to make. I checked back over the next 2 years and nothing had changed. The Forbearance ended and these 2 accounts hit my credit reports again. So I called in and was told to file a police report. I did that and sent my disbute and the accounts disappeared for the next 5 years. Last XXXX  the account popped back up on my credit report and I filed more complaints and verification letters to have they accounts verifed as belonging to me. I have not gotten any follow up and this new accounts are showing up as being paid and missing payments. I am not sure whom is paying them as they are not my accounts so I believe they have made a mistake and has these accounts reporting under my social but they are not mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all 3 agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection! 

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.
Product: Mortgage

The CFPB allowed the respondent to the consent order ( Wells Fargo ) on administrative proceeding file no. XXXX to dictate the affected consumer 's validity and redress.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Checking or savings account

Someone fraudulently sent me money and my account got restricted and I told them and I have yet to received any response on what going to happen just that theyre investigating I just want that amount reverse and to be able to use capital one again