23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX. my fico say I have good credit. What the XXXX  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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Checking or savings account

To whom it may concern, On XX/XX/XXXX I purchased music festival tickets to XXXX XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX in XXXX, Florida. With this purchase was an add-on for ticket insurance in the case that you could not make the festival. The merchant was XXXX. The total cost of the ticket was {$270.00} with {$20.00} being the add-on for ticket insurance. The music festival was set to take place on XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, a family member suffered a medical emergency and within the terms of the insurance policy I enacted a claim and was assured that my claim would be accepted and I would be refunded the full price, minus the {$20.00} for the add-on fee. After submitting the appropriate documents my claim was accepted and I was told that a refund would be processed and issued within 7-10 business days and if a refund was not present that I was to contact my financial institution to initiate a chargeback. The refund was to be labeled in the same manner as the initial charge was. 

Attached to this letter is the insurance policy which outlines the validity of my claim, the correspondence that says my claim was received, processed, and accepted as well as the communication that I should contact Chase Bank to initiate a chargeback. 

After sending the documents to Chase, they have refused to credit my account back the money and keep telling me they have to wait for the merchant in order to resolve this, but they did not wait for me when they took the money back. I have called Chase Bank over 7 times in the past 30 days to resolve this issue, giving them ample time to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX  is reporting account from XXXX and XXXX that Fraud and Equifax is reporting XXXX, XXXX and that are fraud..attached also is my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I a letter from XXXX XXXX Card indicating there were unauthorized transactions to my new card in the amount of XXXX. A card that I did not receive! Apparently someone used this card fraudulently. 
I contacted XXXX and they told me that they are in a process to close the account but they never did. Not only that, they keep sending letters requesting a payment and warning for penalties. I requested that these transactions do not appear on my credit report and to issue me a new card. Although the bank rep promised that they won't report this to the credit bureaus I recently found out that they actually did and that effected my score dramatically. Up until this incident has occurred, my score was around 750  and afterwards it went down to around 570.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Medical XXXX Balance : {$180.00}
Product: Debt collection

Debt collector from past keeps popping up. Unaware of this debt. Medical collection.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting. 

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. 
Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. 

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. 
Ensure all future reporting adheres strictly to FCRA standards. 
Provide written confirmation of the actions taken to correct these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I purchased a laptop ( XXXX XXXX XXXX XXXX ) from XXXX XXXX ( merchant ). The purchase price was {$600.00}, and the overnight shipping was {$70.00} dollars, totaling {$670.00}. Upon receipt of the {$670.00}, XXXX stated that he would provide a tracking number for the laptop. I went ahead and completed the purchase of my laptop. After XXXX confirmed my purchase, he became unresponsive to my requests for a tracking number. 

On Friday, XX/XX/XXXX, I become concerned once I did not hear back from the merchant with my tracking number, fearing I lost {$670.00}. I reached out to the merchant with no response. Then I decided to reach out to the Cash App support team. The Cash APp support team recommended that I process a request for a refund from the merchant through their app. I proceeded to process the request for a refund from the merchant. In that, I continued to reach out to the vendor to no avail. 

I continued to tell the support team my concerns and asked what would happen if the merchant declines my request for a refund. None of the support agents could tell in detail what would happen in the request for refund process. They kept referring me to their terms and conditions. 

Getting more frustrated, I noticed the merchant placed the item for sale again. I reached back out asking about the laptop, and they send the same messaging, which then I learned that they are using Cash App to conduct fraud via their platform. 

After bringing this to their attention, Cash App continued to refer me to their terms of service, not acknowledging that a user is stealing from others using their platform. 

After many attempts to alert them and tell them about the fraud and that it is not fair, they keep my money and continue to fraud, other people. 

This complaint shows the unscrupulous policies that the Cash app has as it allows fraud to be committed and has no protection for its users.
Product: Credit reporting or other personal consumer reports

I am deeply concerned that your company did not conduct a thorough and proper investigation into my dispute. It is evident that there has been a failure to adequately investigate and update the status of this account. This oversight has had a detrimental impact on my ability to secure credit, which is why I am invoking my rights under the Fair Credit Reporting Act ( FCRA ).

As per the FCRA, accounts that can not be positively verified must be promptly updated. If you are unable to provide me with verifiable proof within the stipulated time frame, it is incumbent upon you to update this account. Under federal law, you are obligated to complete your re-investigation within thirty ( 30 ) days.

Furthermore, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, to be furnished within fifteen ( 15 ) days of the conclusion of your re-investigation. 
I firmly demand that this account be updated without delay in compliance with the FCRA and federal law to rectify the harm it has caused to my credit profile.
Product: Credit reporting or other personal consumer reports

Received notice that XXXX XXXX XXXX ran my credit information to purchase a car... I have never been to XXXX. Let alone authorized or signed anything to pull credit report for a loan from them.
Product: Credit card or prepaid card

On XXXX a transaction of {$7600.00} was made at Hawaii XXXX in XXXX XXXX in XXXX XXXX county. I received a call from Bank of America alerting me to the transaction. They asked me if I was the one that performed the transaction and I said I did not. Immediately a fraud dispute was initiated. This was a visa purchase made at the grocery store based on the information on my statement. Bank of America issued a temporary credit in that amount following the dispute. On XXXX the bank reversed the transaction and recharged me the entire amount to my account. On XXXX I received the attached notification that the bank would not follow through with the fraud dispute. They claim that this was a cash advance/ATM transaction. This is not consistent with the information listed on my statement and the information provided to me by the bank. I do not believe the bank performed it 's due diligence in researching the fraud. A large transaction such as this should have signature verification in place and I do not believe the bank even went as far as to obtain those records. On XXXX I filed a police report which is also attached below. Case number : XXXX Officer : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

recently disputed negative items on my credit report and didn't get a response back
Product: Debt collection

A man was XXXX XXXX XXXX two feet from my apartment door at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX XXXX XXXX. After the XXXX, and continued criminal activity following the XXXX, disrupted my daily life and XXXX XXXX XXXX, I reached out to XXXX XXXX XXXX, which kindly arranged free temporary housing for me. I had been living in the apartment next to the XXXX XXXX maintenance man, XXXX, and we spoke frequently. XXXX was also in his apartment during the XXXX, which happened feet from both of our front doors. I asked XXXX what I needed to do to get out of there. XXXX told me to have my apartment cleaned out and I would be good to go at the end of XXXX when my lease was up. My lease required thirty days written notice prior to termination, but XXXX and the woman in the XXXX XXXX office at the building on XXXX XXXX XXXX XXXX assured me that -- because of the XXXX  and other criminal activity -- I could complete the move-out process at the end of XXXX ( when my existing lease was scheduled to end ). I cleaned out my apartment and received text message confirmation from XXXX that I was good to go. If I recall correctly, XXXX XXXX kept my security deposit. 

A year and a half later, I got a letter from ProCollect claiming that I owed {$470.00}. I heard nothing from XXXX XXXX in the interim period regarding the fact that I owed a purported " debt ''. I timely disputed with ProCollect. I documented my dispute. ProCollect did not pursue the dispute process, nor did it send me the information required by the Fair Debt Collection Practices Act ( FDCPA ). I notified ProCollect that I disputed their claim, that they had failed to send information required by the FDCPA, and that I wanted to receive that documentation. Instead, ProCollect reported to the consumer credit agencies that I had a " derogatory account. '' I asked them via email and certified mail to remove that report pursuant to the FDCPA. They did not. 

ProCollect still has not sent documentation showing that I owe anything to XXXX XXXX. I emailed ProCollect on XX/XX/year> to make the same request. I have since then disputed the debt via the consumer credit agencies.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize them and am unaware of their origins. As per USC 1681g, I formally ask that they be removed within XXXX  days. Please find the enclosed documents for your review.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

hello! My NAME IS XXXX XXXX i had service with XXXX  # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, XXXX XXXX