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

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Debt collection

Jefferson Capital has repeatedly removed and re-added a collection account from my credit report, despite my numerous disputes. On the week of XXXX XXXX XXXX, I contacted Jefferson Capital to resolve the debt, and a representative informed me that the debt was not legitimate. However, she suggested I make monthly payments to their company to have the account removed, which seemed unusual. In response, I sent my own dispute letters on XX/XX/year>, but I have not been provided with proof of the debt. Jefferson Capital claims I owe {$1000.00}, but no verification has been provided. I request a thorough review of the handling of this account, legitimate proof of the debt, and correction of the repeated changes to my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against La Curacao for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ). In this letter, I specifically requested that La Curacao investigate disputed items on my credit report, provide a full audit trail, and remove any unverifiable or inaccurate information as required by law. 

Under the FCRA, particularly 15 U.S.C. Section 1681i ( a ) ( 1 ), credit furnishers like La Curacao are required to investigate a dispute and report back to the consumer within 30 days. As of today, I have received no response from La Curacao, nor have they taken action to investigate, provide the requested audit trail, or update my credit report to reflect accurate information. 

Relevant FCRA Violations 1. Failure to Investigate : Under Section 1681s-2 ( b ), La Curacao , as a furnisher of information, is required to conduct an investigation into any disputed information once they receive notice from the consumer. This includes verifying the accuracy of the information or deleting any information that can not be substantiated. La Curacaos failure to investigate or respond to my dispute directly violates this FCRA requirement. 
2. Failure to Report Investigation Results : According to 15 U.S.C. Section 1681i ( a ) ( 6 ), a credit furnisher must provide the consumer with the results of the reinvestigation within the specified timeframe. La Curacaos lack of response constitutes non-compliance with this requirement. 
3. Lack of an Audit Trail : In my dispute, I requested an audit trail and supporting documentation used to verify the disputed items. Under FCRA requirements, furnishers are obligated to provide any documentation that substantiates the accuracy of the information in question. By failing to do so, La Curacao has prevented me from verifying the accuracy of the information they reported.
Product: Credit reporting or other personal consumer reports

Today I looked at my credit reports and noticed inquiries that are inaccurate on my report. These inquiries violates my consumer privacy rights under 15 USC 1681. 

XXXX XXXX Via Dealer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

I attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX Open date- XX/XX/XXXX Experian Open date- XX/XX/XXXX XXXX Open date- XXXX XXXX Last active- XX/XX/XXXX Experian Last active- XX/XX/XXXX XXXX Last active- XX/XX/XXXX Date of Last payment XXXX-  XX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XXXXXXXX 120 late Experian- XXXX 150 late XXXX- XXXX 120 late It is also my understanding that Under the FCRA 15 USC 1681i, every single one even each any or all of the unproven, no compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Multiple letters sent starting in XX/XX/XXXX thru XX/XX/XXXX. With no response or letters back Calls made with being on hold for hours Dispute online unable to upload documents as asked.
Product: Checking or savings account

I bank with Cash App and made a payment to my utility company XXXX XXXX XXXX for {$120.00} and the merchant claims they never received the payment. This is not the first time paying this merchant from my Cash App card. I Contacted both the bank and the merchant several times filing disputes ( XXXX ) and they keep denying it. I sent Cash App my disconnect notices, emails and account statements and they still refuse to give the money back! The XXXX XXXX XXXXXXXX said they wont recognize the payment regardless of what documents I send them showing it came outta my bank. Now Im scheduled to have my utilities shut off in the middle of winter!
Product: Debt collection

XXXX and sourcerm. Wow. What can I say. We terminated our XXXX contract after fulfilling our two year contract. Im sure that sourcerm  isnt the first company that XXXX tried to sell this debt to. There is a {$3000.00} amount sent to collections. This was not supposed to happen according to XXXX, when we switched carriers. XXXX was angry, upset and frustrated that they were losing a valued customer that paid thousands of dollars over YEARS. According to XXXX, we were all set. Done. Paid in full. Phones were not to be returned because of the damage and wear to them. How on earth is a clerical or accounting mistake on XXXX  part a problem that I should have to suffer through?!? I have disputed this with all credit bureaus and am at the end of my rope. This goes all the way back to XX/XX/2017 and can not get an answer.
Product: Credit card

Hello! My name is XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I have a problem with Citibank Sears Credit Card. They offered me a Zero percent interest balance transfer with a fee that I agreed for the transfer. When I received my statement of account, they started charging me with 3.99 percent APR. When I called the company, they told me that when I encashed their check, it was a 3.99percent APR. I told them based on my coversation with their agent over the phone he offered me he offered me 0 percent APR. They told me 3.99 percent was for longer payment period and and 0 percent was for a shorter period. Since this communication was not clarified with me by the agent, I was requesting the APR of 0 percent with shorter payment period. When I called and talked to the manager, he said he can not change it. It was the fault of the agent for not clarifying with me the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that do not belong to me, I wrote letters to Transunion and XXXX and they haven't done anything. These accounts are not showing up on my XXXX and I am a victim of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, XXXX XXXX XXXX XXXX  has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to XXXX XXXX XXXX XXXX. However, to my dismay, the letter was returned to me as undeliverable. This indicates that XXXX XXXX XXXX XXXX has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of XXXX XXXX XXXX XXXX  's failure to furnish accurate information. This demonstrates that XXXX XXXX XXXX XXXX  is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there 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 reporting, credit repair services, or other personal consumer reports

I have tried to get Fortiva credit card off of my XXXX credit report and they will not the credit company nor the card company will not remove this from my credit. This is a fraudulent account and does not belong to me. My identity was stolen. I sent all the information I received from the police report and FTC to the Credit Bureau and the Credit Card Company, and they still will not remove this. This supposed to have occurred in 2017 in the amount of over {$800.00}. 

Thank you
Product: Debt collection

This is for XXXX XXXX XXXX. They call me constantly and I keep my phone on silent all the time now missing important calls. Ive tried blocking every number but it doesnt matter they will just call from different numbers. I told someone awhile ago to stop calling as I am XXXX but dont get XXXX because its a XXXX XXXX thats hard to prove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He has a daughter and XXXX XXXX XXXX XXXX. I cant work so I cant pay anything towards this. Theres nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Enhanced Recovery Collections add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Enhanced Recovery Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

Consumer abusive practices by Citi AT & T Universal Card. 
Via phone call, requested Citi Bank AT & T Universal Card be cancelled. After phone call requesting cancellation of the card, received a new card, and continued to receive loan solicitations from Citi AT & T Universal Card. On XX/XX/2016, once again requested that card be cancelled. 

XXXX XXXX
Product: Checking or savings account

Order Date : XX/XX/year> Amount : {$130.00} Company : XXXX XXXX XXXX  Paid By : Chase XXXX XXXX XXXX My complaint is with JP Morgan Chase A claim was created by JP Morgan XXXX On XX/XX/year> I received a tracking number and description of product from XXXX XXXX XXXX. Upon reading the description it indicated I was receiving ( XXXX ) gold earring hoop instead of a pair of earrings. I immediately contacted XXXX XXXX XXXX to confirm what was written and they told me it was for ( XXXX ) gold earring hoop. Since the package was not shipped only a label was created, I told them to cancel it. They apologized for the inconvenience and was not going to pull the package or cancel the order because it was a final sale. I told them I did not see I was getting ( XXXX ) gold hoop, I have XXXX ears and I need another earring. 

I contacted JP Morgan Chase and opened a claim. They credited me the {$130.00} after I received the package and REFUSED it and mailed it back to XXXX XXXX XXXX. JP Morgan credited me at this time. XXXX XXXX XXXX reshipped the package back to me and I REFUSED it again and mailed it back to them. I am not in the possession of the ( XXXX ) gold hoop earring. 

Today I received a letter from JP Morgan Chase stating the {$130.00} will be debited from my account because they feel it's now in the hands of the merchant and the seller. They are debiting my account on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXXXXXX XXXX XXXX not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXXXXXX for the cancelled debt in order to file as ordinary income. Where is my XXXXXXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS. This is unsatisfactory! XXXX  XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX  XXXX XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Debt collection

due to the recent data breaches, I've come to realize that there are accounts out there in my name that I have no idea about
Product: Credit reporting or other personal consumer reports

Someone use my personal information to apply for credit from those companies and they just pulled credit report without my permission, thats why I locked my accounts on XXXX  and trans union. 
XXXX XXXX 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

Experian has no right to post this info on my credit report.its inaccurate and discriminative. I need them to remove this data. I did not give them permission to post this on my credit report.
Product: Checking or savings account

On XX/XX/XXXX 3 ATM withdraw were made on my account and i did not make this transactions or withdraws. I contacted my bank ( Square ) to let them know of the problem and they declined my despute. Their reason is because i still have possession of my debit card. However i explained to them that yes, i do have possession of my card but i did not make those transactions. I asked them for the merchant information and they declined to give me the information and they sent me an email saying ny dispute is denied and i can go find legal help to dispute their decision. 

XXXX transactions were made. 
XXXX for {$200.00} XXXX for {$180.00} XXXX for {$40.00} Total money stolen was {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the recent data breach at XXXX, I decided today ( XXXX XXXX, 2017 ) to put a freeze on my credit reports. Experian will not allow me to do this over the phone or on their website. They are only allowing people to do it via mail ( probably to limit the amount of freezes ).
Product: Debt collection

I have been a customer of spectrum Internet for over a year and I stopped using the service in XX/XX/2022. I canceled the Internet because I was moving out of my rental property and I paid the last months bill and everything come to find out I just checked my credit report and they have a collection up on my account for {$50.00}, when they told me that I didnt have to pay anything so I already paid it. They are spreading false information that is incorrect and damaging to my credit report. I want remedy for them posting negative items on my account without my consent.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I made a phone call to XXXX XXXX stating I would like to close all of my accounts with the company. The representative helping asked if I'd like to close my savings account as well to which I responded yes along with my credit card account. They stated my accounts were closed however months later I noticed my credit score went down drastically. After calling to discuss how I already closed my account and should not have any outstanding balances it turns out an autopay charge from XXXX of XXXX had been interest for several months. I told them that this didn't make any sense and I don't feel as though I should be responsible for paying the accrued amount since I had already closed this account. Rather than investigating the issue, they suggested I settle which I did immediately to rectify the issue. However, I was not aware that settling would worsen my credit score and that the late payments would remain on my credit report. As of XX/XX/XXXX, my XXXX XXXX case manager reviewed the phone call and mentioned they could escalate the issue to their manager but that they've never reversed a settlement before. Despite substantiating the fact that I intended to close all of my accounts including my credit card on the XXXX phone call, it seems that XXXX XXXX is not willing to accept accountability for the representative 's error and help remove the negative mark from my credit report.