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

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/23, Chase rejected a funds transfer scheduled from an external bank account via their app in the amount of {$8000.00} stating that they were unable to verify ownership. On XX/XX/23, Chase blocked an attempt to send the funds directly to them from the external account. When I advised Chase that I had made a total of 8 previous funds transfers using this same account between XXXX totaling {$80000.00}, they were unable to provide an explanation on why the previous transfers went through if account ownership was not verified. I advised them that both accounts were owned by me, but Chase refused to provide options to correct the issue or a timeframe of when it may be corrected. Chase is personally benefiting from the decision to reject my funds transfer - I have 3 Chase credit cards due on XX/XX/23 that will each incur a late fee of up to {$40.00} due to not being able to access my funds. Chase advised me that I could perform a wire transfer which will cost {$35.00}, but refused to approve a reimbursement of this fee if I chose to use this option.
Product: Debt collection

Someone at Bank of america collections keeps calling and treatening me with an arrest if I don't pay them {$500.00} dollars their using a XXXX call came at XXXX. XX/XX/2023 I told them to stop calling me, 5 calls from the same number XXXX XXXX XXXX XXXX at XXXX demanding that I pay them {$500.00} plus {$300.00} interest for charges they said they can send someone to arrest me if i do not pay them at least {$200.00} cash or Have a gift card ready for them they show up. I hung up the phone XX/XX/2023 the call came in at XXXX from XXXX XXXX XXXX yelling on the phone to expletive pay them the {$500.00} plus another {$500.00} for handling late fee incurred the collection account. I told them to stop calling me, its not a convenient time right now. the same day 10 calls with a 5minute span from the same number, I picked up the phone and right away they start yelling XXXX ( XXXX XXXX XXXX XXXX you owe bank of america {$700.00} pay now plus a {$300.00} handling late fee. from XXXX XXXX XXXX XXXX. i told them again to stop calling me. The collection company at bank of america said that they can XXXX XXXX XXXX  and make me pay.. I'm really afraid to even answer the phone. Please help me CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried at Equifax to improve my credit rating, but I couldn't. I send out credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

CASE # XXXX This is a relatively small amount of money but it's the principle of the thing they stop serving breakfast they didn't have what we wanted it's not my fault if you would have pushed them to respond which I know you haven't then they would agree that during the time that I was checking out is when they stop serving breakfast which means that I paid for something I never caught but Capital One failed to do their due diligence and they're allowing this company to steal my money I didn't sign anything and there are cameras why don't you ask them for the camera footage will see I don't have anything whenever I'm leaving I never got any food why don't you ask them for this proof that's because Capital One doesn't want to do the work to support their card members and one last thing there's no receipt because I didn't buy anything
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6200.00}
Product: Credit card

I had received a postcard in the mail from Citibank, encouraging me to sign up for their Citigold account, and offering me XXXX frequent flier miles for XXXX if I : signed up for account, spent {$1000.00}, and made XXXX bill payments through Citigold. I learned after my miles failed to be processed that Citi meant that you have to make a payment through their bill pay system ( e.g. bills can not be paid through the debit card ). However, it never stipulated in the advertising or anywhere that I could find that you must make these payments through the bill pay system as opposed to the debit card. As you can see from the attached document, it is not at all specific. I argued this to Citi, via telephone and electronically, but they wrote back to me repeatedly that they would not honor the offer terms. Money was lost as there is a monthly account maintenance fee that Citigold charges.
Product: Money transfer, virtual currency, or money service

Unemployment service in Maine said they sent me a usbankreliacard through the mail. It has never arrived. I can't get through calling usbankreliacard on the phone. Can not access their website without the card which never arrived through the mail.
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 the timely and effective measures to protect an 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. ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

I 've disputed the accuracy of a collection account on my credit report for over 6 months now. The collection if from XXXX XXXX XXXX , XXXX and it is in the amount of {$2600.00}. I 've no idea what this debt is for an I 've been unable to get anyone to send me information regarding this debt. XXXX and Equifax continue to list this as a debt I owe, though when I called XXXX XXXX they said this debt belongs to my XXXX year old daughter. Who not only has n't lived with me in over 7 years but has n't been on my insurance in about the same amount of time or more. The address that this bill is under is also different. My address is XXXX, Ga XXXX - But the address of my daughter who created the bill is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. It seems as if this is falling on deaf ears and it 's really damaging my credit.
Product: Debt collection

I have not received any information/correspondence/phone calls on what this debt is. It just showed up on my credit report about a XXXX  ago. I have lived at the same address and had the same cell phone number for over XXXX years so getting a hold of me should not have been a problem. I pride myself on my excellent credit and would not let something go to collections... especially for {$250.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX for {$210.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, Transunion, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

there are inquiries on my credit report not associated with any accounts and the inquiries have not helped me acquire credit but instead have made it impossible to do so
Product: Student loan

In XXXX XXXXXXXX advised I had XXXX open accounts, XXXX accounts that ECMC claims they represent XXXX on XXXX represented by XXXX. Ecmc garnished wage w/out notification, said they mailed letter but had no proof, told me I was not eligible to contest garnishment at all, later found out I could contest but it would not have stopped the garnishment at that point. ECMC sent a breakdown of my XXXX loans to me. Shortly after contacting ombudsman and getting response in writing regarding ECMC 's XXXX debts, I received another letter from ECMC of my XXXX loans and this additional loan was now on my credit report and XXXX. How did this extra debt get added 5-6 years after I left school?
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. Affirm has continued to report a balance owed on XXXX. I have contacted Affirm many times and disputed with XXXX twice. I have currently provided further documentation to XXXX from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, TransUnion and XXXX  and I never received a response from them.
Product: Checking or savings account

I deposited a check on my new XXXX M & T XXXX Bank Account as a mobile deposit. I didnt write my name on the back of the check but my husband did ( it was his check ) and I called the bank and I explained to them the situation and they agreed to unblock my account ( remove the hold ) but today when I went to the bank they decided to closed it because they felt like it was a red flag. The institution was very unprofessional and they lied to me and told me once I get the paper check to come the branch again and the issue will be fixed but that wasnt the case. Also I even came with my husband and he signed the paper work they requested but they still decided to close my account. There was no fraud committed. I only deposit his check on my bank account because we needed the money to pay the bills and buy food. He currently doesnt have a bank account. I must add they also said because I made an account only that they felt I was a red flag but why they allow new customers to open accounts online to discriminate towards them and treat them as criminals just because I didnt sign the back of the check as well.
Product: Credit reporting or other personal consumer reports

I applied for a loan with Wells Fargo on XX/XX/XXXX. At the time of applying, I was clearly informed and assured by the lender that submitting this application would not result in a hard credit inquiry or negatively impact my XXXX XXXX. Despite these assurances, I discovered shortly afterward ( also on XX/XX/XXXX ) that the lender performed an unauthorized hard inquiry on my credit report. 

This inquiry was performed without my explicit consent and directly contradicts the assurances provided by the lender at the time of my application. I request that the lender remove this unauthorized inquiry immediately from my credit report.
Product: Credit card

On XX/XX/XXXX, windows costing {$30000.00} ( including tax ) were purchased from the Home Depot located in XXXX, CA. I signed up for a 24-month, 0 % interest Home Depot consumer credit card through Citi Bank in purchasing these windows, putting {$20000.00} on the credit card. Due to high window costs, I was able to meet the promotion of 24-month, 0 % interest financing as advertised by Home Depot and qualified for the {$20000.00} balance charge on my credit card. Since the purchase, an automatic payment of {$1000.00} was set up each month to ensure the balance of {$20000.00} will be paid within less than 24 months. For the first month, {$200.00} additional payment was made as the automatic payment had not taken place right away. 

On XXXX XXXX, we noticed that there was a higher balance remaining than we anticipated, considering {$1000.00} payment had taken place each month. It turns out Citi Bank never honored this and defaulted the terms at 6 months, 0 % interest. We never agreed to 6 months, 0 % interest financing. They pulled a BAIT AND SWITCH. We called Home Depot after Citi Bank said there is nothing they can do, and the Home Depot manager did confirm the promotion and for the purchase period. The Home Depot manager tried calling Citi Bank but they told him they couldnt help because 60 days had passed. Keep in mind we originally agreed to 24 months, 0 % interest since day one and since day one, the payments have been on automatic withdraw. Home Depot manager stated he would even agree to be in a three-way call to confirm.

However, Citi Bank will NOT take any responsibility and play oh, you did not read the fine prints. We never agreed to those fine prints, we agreed to 24 months with 0 % interest and out of nowhere Citi Bank or Home Depot did a bait and switch. Problem is that Citi Bank and Home Depot will do anything to sell their business but change the contract without your consent or your knowledge. This is not only deceiving but this is fraud! If we knew the terms were 0 % interest at 6 months, we would have found other ways to purchase the windows but never apply for the Home Depot Citi credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX NO LONGER EXIST AND WAS SOLD TO XXXX  XXXX XXXX XXXX. Consumer sent XXXX XXXX XXXX XXXX a letter and it was returned [ Exhibit 1 ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report my information and Consumer did not authorize anyone employed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have been railroaded by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.
Product: Credit reporting or other personal consumer reports

Trans Union is obligated by the FCRA to report accurate accounting. I have advised ALL the inquires reported was fraud. Said company had 4 days according to LAW to remove such items. I am now requesting Trans Union to provide the documentation used to determine inquiry was indeed authorized by the consumer, Trans Union has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If Trans Union does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certian rules. Trans Union Commission file number : XXXX I will be filing form 211 treasury omb forms to audit my account. Trans Union is securitizing my data yet refuse to provide a copy of my CONSUMER FILE NOT CONSUMER REPORT