23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This XXXX Gold card was opened on XX/XX/XXXX ' i started to have financial hardships starting XX/XX/XXXX ' my account was closed onXX/XX/XXXX ' i had a close relative pass away and i was helping my family take care of bills etc ... So that started to put me behind on payments and with XXXX Gold you must clear of balances in full at the end of the month. I informed them of my hardships and they told me as long as i cleared of the balance they would not close or report my hardship i agreed and paid off the balance in the amount of $ XXXX and my card was closed and reported. I'm working on clearing up all negative marks because of my financial hardship at that time and i would truly appreciate if this could be taken off so i can have a clean start again. Please advise
Product: Student loan

When I applied to school I was never told that I was taking out a loan they told me that it was financial aid l
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment is not reported since bankruptcy discharge in XX/XX/2014.
Product: Debt collection

On XX/XX/2021 I got an alert on my credit report about a collection. The company is reporting a bill that I don't owe without writing me and informing me of the debt. I did not get the opportunity to dispute the debt with them due to them not following fcra rules. I am not obligated to deal with them and they are forcing me to by placing derogatory information on my credit report.
Product: Credit reporting or other personal consumer reports

Account is over 7 years. Account with XXXX XXXX is null and void
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXk XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it. 



According to 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. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
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 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX for solar panels loan Done by Divident hey subsidiary of fifth third bank gave us a loan to do solar panels for XXXX in XX/XX/2022 XXXX since the solar panels were never installed permitted or correctly done XXXX started making our monthly payments to dividend financial on our behalf until XXXX for their employees and empty their offices, leaving us the consumer with a loan and no panels installed or permitted. XXXX never had our permission to make payments to dividend financial the affiliate or subsidiary of the fifth third bank for our loan for the solar panels. Currently alone is suspended for four months for further investigation. 
Their information Dividend XXXX XXXX, Option XXXX XXXX
Product: Money transfer, virtual currency, or money service

Received a 1099-K form from CashApp which I have never done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX  days and I haven't received any investigation results.
Product: Debt collection

Credence Resource Management, with Acc # XXXX and a balance of {$580.00}. I have dispute this account several times but XXXX verified the amount and didn't mail me proof of how the account was verified, therfore I believe I am a victim of the CFBP ( XXXX  ) lawsuit. I am asking XXXX to uphold there statuary obligations to consumers to provide accuracy from CREDENCE RESOURCE MANA to prove that I have a contract with them and that I am obligated to pay them. and also any transactions that I have with them. I also want to know when and where the account was opened, online in person or over the phone. I am asking for a proper detailed explanation and verification from XXXX and CREDENCE Resource Management according to the FCRA. Please reivestigate and mail the verification documents to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to furnish unauthorized information on my Consumer Report. Willful non compliance Deleting these Unknown Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had XXXX trying to collect a phone service plan from me that I never opened. I told them I never signed a contract had never been in their store that this debt isnt mine. They turned it over to collections - I told them the same thing. They have now reported it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please see my identity theft report and documents in the attachments.
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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/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: Vehicle loan or lease

XXXX XXXX IS REPORTING THAT I HAVE CAR LOAN WITH THM. NEER SIGNED FOR A CAR LOAN WITH THEM. {$26000.00} THIS NEEDS TO BE REMOVED IMMEDIATELY. 

XXXX XXXXXXXX HAS ALSO PLACED ME IN COLLECTIONS NEVER HAD INSURANCE WITH THEM. {$240.00} XXXX IS REPORTING {$320.00} AS A COLLECTION ACCOUNT AND HAVE NEVER HAD XXXX. MY ADDRESS IS LISTED ON MY ACCOUNT AND DL IS THE CURRENT ADDRESS,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Prior Case Credit Submitted by Customer Representative did not fully complete all as promised. 

I was promised a credit which was provided - Completed I was promised a letter of clearance This entire conversation was recorded as proof of promise and will be attached. The debt was paid and letter of clearance was never provided.
Product: Credit card or prepaid card

I had a credit card account with  XXXX  which is    XXXX   XXXX    the problem is i was going to be late on a payment and called them to talk about the late fee they said it  could be waived the  one  time but they didnt and charged me for it and continued to charge me late fees on top of the original that just kept adding up each month. everytime I would call they said they understood and would fix the problem so i could get back to my mininum payments but each time i spoke with a different person and nothing was ever put in there system about any of these conversations so eventually the payment got to where i could not afford it thats when the phone calls started at all hours even at  XXXX . wanting there payments very rude each time and threatining i decided to to pay them at tax time and be done with it if they would remove the late fees and added interest charges and when i called to do so they said that at the time they could n't even process a payment so they didnt want to then they sold my account to calvary spv i llc which now is calling me at all hours wanting the full amount and will not discuss anything that  XXXX  had with me about a lower amount. i realize i owe this company money but not the amount they are trying to get and  at one time  they agreed now they are simply just harrassing me trying to intimidiate me.
Product: Credit reporting or other personal consumer reports

o formally dispute information regarding my account with XXXX XXXX, which ends in XXXX. This dispute is being raised under my rights as outlined in Section XXXX of the Fair Credit Reporting Act ( FCRA ), which allows me to request that inaccurate information be corrected or removed from my credit report. 

Upon reviewing my credit report, I have found discrepancies regarding the details of this account. Specifically, I believe the information reported may be incorrect or incomplete, which is why I am requesting a thorough review of the account details and supporting documentation. 

The account in question is : Account Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Discrepancy : account was charged off by the original creditor. If this is indeed the case, I have not received a 1099-C form from the creditor for the tax year in which the charge-off occurred. As I understand it, when an account is charged off and a tax deduction is taken by the creditor, the debtor is supposed to receive a 1099-C form, and the amount of debt forgiven may be considered taxable income. 
Please provide me with the necessary documentation to verify the accuracy of this account, including any signed agreements or transaction records related to it. If the information can not be validated, I kindly ask for the account to be corrected or removed from my credit report as per my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute, and I look forward to your resolution of the issue within the required 30-day period as stipulated by the FCRA.
Product: Money transfer, virtual currency, or money service

I have been trying to get my money from Cash App since XX/XX/year>. I had just gotten a prepaid phone and a new email like that month, gotten money transferred from a friend to my phone, then lost the phone. Because I do not remember the number or the email, Cash App has never helped me to retrieve my money, however they clearly know who I am as they are sending snail mail to me about the balance being transferred to the state recently, which reminded me to try again. I feel I have been robbed for the last 4 years and this should not be allowed any more than a bank should be able to say, well you forgot your account number so we will just not give you access and keep your money. Dealing with their customer service is like XXXX XXXX : I have been hung up on, accused of being rude when I wasn't and continually told that my problem was resolved although it was not resolved whatsoever because they are still holding on to my money. I guess eventually I will get the funds from the state but what a hassle!!! Pretty sure they do this on purpose as a way to keep money from people.
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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2022 I requested that XXXX savings accounts I opened for my children be closed due to the fact that they were being repeatedly subjected to XXXX XXXX monthly service charges for low balances. On that call, after the agent reversed the fees, I transferred out all balances showing on the screen and asked the agent to close the account. The agent noted that there was {$.00} remaining on XXXX account ( likely due to interest that had accrued but not yet posted ). The agent moved the XXXX XXXX into my checking account, thereby creating a negative one-cent balance in the account, and keeping the account open against my wishes. 

The negative balance ( which I did not ask the agent to create, and which kept the account open unbeknownst to me ), was then offset by {$.00} in interest. At this point, there was a XXXX balance in the account ( that I didn't want open anyway ). However, simultaneously to the interest posting, BofA charged yet another {$8.00} fine even AFTER I had requested the account be closed. 

Upon calling to request a refund, the bank left me on hold for over 30 minutes while trying to reach a supervisor to address this. The bank refunded the fees, however, this was due only to me having the time and patience to call the bank and force them to address the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of this.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Employer : My current employer is XXXX XXXX  XXXX XXXX but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 
2.Address : My current residential address is XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX, FL XXXX . I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit card

Made a double payment into my chase freedom resulting in a positive balance of over XXXX dollars. After speaking with a costumer service over the phone ; " was told to go to the bank and request my money " the bank did not discuss any fee relating to getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank is.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXX XXXX  in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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 or credit management

The company made a report on XXXX. I go to the companys website and cant find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

Experian and XXXX  are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.