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

I initiated a dispute in XX/XX/XXXX for a fraudulent purchase on my credit card ( CITI ) for {$170.00}. The purchase was made online with a company called XXXX. The product I did not order arrived at my address. First of all, Citi failed to notify me of any resolution to my dispute via mail or phone. I contacted Citi when I saw the {$170.00} charge back on my account. It was explained to me that I am responsible for that amount because the product ( that was purchased fraudulently ) arrived at my address. I tried to work with Citi and contacted XXXX. Their reply was simple, they are not responsible for fraudulent activity used to purchase their products and would n't even provide a return label to send the item back. After receiving an electronic copy of the investigation that Citi performed for my dispute, I contacted them letting them know that the phone number, IP address, and email address, that they used as evidence to show that I am responsible for the charge, was incorrect. The only response I am getting from Citi now is that the case is closed and there 's nothing they can do, I have to pay the charge. Why is there no appeal process and why was the decision made so quickly and without contacting me to verify my information instead of assuming that it was me and holding me responsible for a purchase I did not make?
Product: Debt collection

Credit control LLC sent me a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX XXXX XXXX I have not lived in Texas since XX/XX/XXXX. The bill went to collections and it is fraudulent as I never opened the account. I never received bills regarding this energy bill till XX/XX/XXXX.
Product: Credit card

I've been an American Express cardholder in the XXXX since early this year. Having 3 business cards and having spent over $ XXXX in the last 3 months on them, I was really satisfied with everything. Eventually my card ended up in a financial review for 2 weeks which after confirming everything with my banks & sharing financial documents the account was reinstated. 

After using the card for a week or so, I made a few payments towards the outstanding balances to reduce the outstanding amounts and to free up available spending. One of these payments ( {$10.00} ) got returned because my bank ( XXXX XXXX ) has a ACH Debit Block security on my account, due to me travelling I had been unable to approve the ACH Debit on time causing it to be returned. Once I found out, I immediately made new payments that did go through. 

On Saturday I've used the card at the XXXX XXXX, a few XXXX transactions and all of a sudden I receive 4 e-mails stating my cards have been cancelled. After reaching out to the customer service/credit team, it seemed my cards were cancelled due to the returned payments ( to the surprise of the agents on the other end of the line ). They promised me to review the matter and escalate it to the relevant teams for the account to be reinstated, and I'd be contacted on Monday. 

Since it was almost XXXX already today I decided to get in touch with the credit team myself, they told me the account was showing as eligible for re-instation, and it could probably be reinstated as soon as today, but they had to check with the relevant teams on how to do it. After 30 minutes on hold, I'm being told it's not possible to re-instate the account and that I have to re-apply. Even after asking for the team leader I get the same response, he just apologised for the misinformation and told me to re-apply. 

Re-applying would cause a new hard pull on my credit and I doubt if I would get approved again for all cards I had given, I have to apply for 4 news cards. It really surprises me that 4 colleagues would have misinformed me about the possibility of re-instating the account, and so do I doubt if my account would really be permanently closed for a single failed payment? 

Could you possibly escalate this to the relevant teams and look at having the account re-instated? Having an AMEX Card is crucial for our business, and we'd love to keep using AMEX.
Product: Payday loan, title loan, or personal loan

Filed XX/XX/2018 to get issue corrected. Says im still reponsible
Product: Credit reporting or other personal consumer reports

They are reporting inaccurate information on my credit report. the balance is incorrect, the past due balance is incorrect and the date opened is also incorrect. this is hurting my credit history bad. 
i would like this removed immediately please. 

Additionally, under 15 USC 1681b, a consumer report can only be accessed for purposes that are specifically authorized by law, such as credit transactions, employment, or other permissible purposes. 
I have reason to believe that my credit report was accessed inappropriately without my authorization or a legally valid purpose. 

TOYOTA MTR XXXX XXXXXXXX is reporting inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion, All of these inquiries are unauthorized and were not approved. I do not remember authorizing The XXXX XXXX on XXXX XXXX, XXXX or XXXX on XXXX XXXX. I have written letters to have this removed but have not gotten a response. Please have the unauthorized inquiries removed.
Product: Money transfer, virtual currency, or money service

my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. 

I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. 


I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.
Product: Credit reporting or other personal consumer reports

Im deeply frustrated to see unauthorized inquiries on my credit report today, and I have no idea why. I refreshed my browser, hoping it was a glitch, but the issue persists. Please review the documents Ive sent and resolve this promptly so I can feel secure again.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX  XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX BANK XX/XX/XXXX - Real Time Resolutions - {$320.00} - Regarding XXXX XXXX  - Ref. # XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.
Product: Credit reporting

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to at least XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX or XX/XX/XXXX, and they completed the request on XX/XX/2017. The request that I submitted included at least XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2-3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. When I received these letters from Equifax, my name was spelled incorrectly on multiple letters. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act like a reasonable investigation or disputed information of my credit report, leading inaccurate or unverified accounts unresolved the Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence the furnishers,, accepting unreliable responses, and failed to adequately notify consumers of dispute outcomes. These failures align with my experience where experience has neither corrected nor removed nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, and XXXX inactions violate Federal law and my rights as a consumer.
Product: Credit reporting 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 168XXXX. 

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: Credit reporting, credit repair services, or other personal consumer reports

I've sent a number of letters to get these inaccurate information corrected The Credit bureaus stated that XXXX : Account # : XXXX, XXXX XXXX  : Account # : XXXX, XXXX : Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, DEPTEDXXXX  : Account # : XXXX, XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX, XXXX XXXX XXXX  : Account # : XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Consumer Loan

I have been paying on a loan with condor capital the branch in New York was shut down on XXXX XXXX, 2015. A branch in CA took over and records were not transferred correctly,, I 've been making my payments and on XXXX XXXX, 2015, went outside and my car was gone. Now prior to this, my car payment is XXXX a month, I made a payment on XXXX XXXX, 2015 for XXXX and had payment arrangements for another to be taken out of my accounts on XXXX XXXX, 2015. They took the monies on XXXX XXXX, but never credited my account, and have not credited my account for months. I 've supplied them with bank statements and to no avail, no car back yet. I 've had to get an attorney involved. I want to, know what they are doing with my money??? I know for a fact in NY they pocketed over a XXXX XXXX in customer payments. I have correspondence that I have from condor capital showing all payments were confirmed from them. And bank statements showing the transactions. But still the balance on my account keeps getting larger. Ive asked them once they 've researched everything provided are they going to bring my car back and the stupid response I get is " We may request the balance in full '' I am not in default on my loan, and if I could afford to pay this loan in full I would n't have a loan. I am only including a small portion showing payments have been made, I even paid extra several times. As you will notice on the invoice I am sending from them there is no payment posted for XXXX XXXX in the amount of {$410.00}. I have all correspondence if needed as well as all of my bank statements. I had questioned them on XXXX XXXX about the info they were showing, and they never contacted me as well. If I had a customer questioning the account that would have been a priority, not just have some slime bag come to the house in the middle of the night and pick up my car when I live in the middle of no where with XXXX children and have health issues.
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify. 
This was done through a company called XXXX XXXX, and the amount was for {$2400.00}. 

I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather. 

I reached out to XXXX XXXX via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective. 

I called XXXX XXXX and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted. 

In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to XXXX XXXX XXXX  XXXX XXXX and asked it to be removed and explained the above. They requested an email with the police report and a description of the details. 
I obliged. No further action was taken by this collector. 

On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to Debt Recovery Solutions LLC and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector. 

On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied. 

I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit. 

On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute. 

I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors. 

I would simply like for this to be removed from my credit history. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX XXXX  XXXX, GA, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX A XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX