23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Please apply this narrative and atta he'd evidence to this claim against Cashapp/Block and also to XXXX. Also please see complaint XXXX for the concurrent XXXX complaint. 
On XX/XX/2024 I lost my cell in the back of a XXXX  car. It was later returned to a restaurant I had been dropped XXXX XXXX and I got it back XX/XX/XXXX or XXXX. The phone had been accessed and thus my XXXX  acct as well as XXXX  and cashapp were all accessed by unauthorized users and I had a total of almost XXXX dollars vanish between the XXXX. I immediately contacted police XXXX reporting XXXX  and all three acct companies. XXXX  at that time identified approx XXXX in XXXX charges they immediately began disputing. I reached out to the XXXX  XXXX XXXX office to pursue claims and had thought until last week that they helped with all three firms. Now I've been told they are only dealing with XXXX and cashapp and yall hafta help me with XXXX. On XX/XX/XXXX when I discovered this I contacted XXXX at XXXX pm and spoke with a dispute team supervisor named XXXX who identified and opened disputes on XXXX transactions totalling XXXX. She then on that call which I recorded sent me an email with a link to provide evidence which I returned with XXXX attachments including police report as well as emails from XXXX denoting unauthorized successful logins from thousands of miles away. After confirming the emails they denied my dispute approx XXXX hours later citing no evidence received. Them I called each day multiple times on XX/XX/XXXX and XXXX speaking first to XXXX at XXXX XXXX  XX/XX/XXXX and then XXXX at approx XXXX  that night. Both reassured me repeatedly they'd received the evidence and further corroborate that XXXX has noted the credit be expedited due to these circumstances. XXXX  has now denied these same disputes something like XXXX or XXXX times for no evidence while simultaneously confirming receipt of them. Please help me. I have approx XXXX to XXXX recorded multi hour calls with them confirming all of this and in XXXX  I am legally allowed to XXXX party record any calls. Please reach out at XXXX XXXX XXXX at any time and your earliest convenience. Also if you can file identical complaints against XXXX XXXX and Cashapp/Block they have also done similar or worse things. Thank you XXXX XXXX
Product: Debt collection

XXXX XXXX IS REPORTING ON MY EXPERIAN. AND MY XXXX CREDIT FILE THAT I OWE THEM MONEY THAT I DONT. I HAVE PREVIOUSLY ASKED THEM FOR A VALIDATION OF THE DEBT IN WRITING, WHICH I AM STILL PATIENTLY WAITING FOR. I AM ON XXXX, WHICH MEANS MY INCOME IF FEDERALLY PROTECTED. THE OLD XXXX  ACCOUNT WHICH IS NOT MINE TO BEGIN WITH AND IS TRYING TO BE REAGED BY XXXX XXXXXXXX IS THE ONLY THING I CAN THINK OF, WHICH WAS OVER 2 YEARS AGO. I WANT THEM TO STOP BOTHERING ME, WHICH IM ENTITALLED TO ASK FOR.
Product: Consumer Loan

I purchased a vehicle on XXXX from a XXXX dealership called XXXX XXXX. The vehicle 's original posting stated the car was in perfect condition and was recently fully service by a OFFICIAL XXXX service dealership/shop named XXXX XXXX also in Florida. The vehicle was purchased on XXXX/XXXX/2016 and the vehicle didnt arrive at my home in XXXX until XXXX/XXXX/2016. I drove the vehicle approximately XXXX miles, ( the original odometer and current readings can prove it ) as I needed it to go on XXXX leave and the car started leaking FUEL on the freeway and I was forced to stop immediately around the XXXX area. I had the car towed to the nearest XXXX service shop near my wife 's area called XXXX XXXX XXXX in XXXX. They charged me {$160.00} just to run a diagnostics to see what was wrong, and during this process, they explained to me that the fuel intake manifold was put on too tight causing it to fall off and leak the fuel ; which was later admitted by vista XXXX that they had messed this up during the initial servicing before it was shipped to me, which apparently made XXXX XXXX give XXXX permission to dismantle the vehicle without my consent, but no repairs have been done, the vehicle is still just sitting there with the work halfway done to it because no one wants to own up and assume responsibility for the repairs to be made. I dont understand why the vehicle was even taken apart for repair if no consent was given nor proof of financial assurance for the repairs were shown or given. Also, XXXX explained to me that the vehicle has aftermarket engine parts, which was not stated in the original listing whatsoever. The vehicle is currently at the XXXX XXXX location still, which as of today ( XXXX/XXXX/2016 ) is racking up a {$50.00} a day sitting fee, until this gets resolved. I had taken out a consumer loan with usaa to pay for the vehicle PLUS another {$1000.00} for the shipping equaling a total of {$13000.00}.
Product: Debt collection

XXXX is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! 
i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,
Product: Credit card

Today at Kohls I was told verbally and in writing if I signed up for their credit card I would get 40 % off my total purchase of {$300.00}. I had a 15 % coupon and did not want to sign up for the credit card but thought great 40 % off {$300.00} is a great deal. The sign right in front of me also in writing said 40 % off. I asked to confirm if it would be 40 % off everything and was told yes. AFTER I agree and sign up, I only got {$12.00} off my {$300.00}. I was extremely upset and wanted to just cancel and return everything and walk out empty handed because I got scammed and lied to. I could have just used my coupon and was lied straight to my face verbally and in writing that I would receive 40 % off just to get me to sign up for their store credit card. Since even if I return everything they said the card would be sent to me house regardless. Immediately after I called and cancelled the card but now I have this extra opening/closing card on my account. I will not shop at Kohls again and I will tell everyone what a sham and scam they are trying to con people into signing up for their credit card and then they don't even give you the percentage off they promise so it's just a scam to get you to sign up. They need to be reported for scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. XXXX XXXX XXXX reported the account paid in full. Equifax reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR XXXX YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I received a notice on my XXXX credit card statement from Capital One was past due, attempting to pay the past due amount I paid {$400.00}. Apparently the past due amount was {$400.00} for which they sent to the credit bureaus my account was delinquent for {$9.00}. No where on my monthly statement does it state the past due amount clearly, it just states the past due amount and next month 's payment. Very deceiving to a customer when they are trying to bring their account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ONLINE IN SV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Prepaid card

Direct Express received my XXXX direct deposit on XXXX XXXX  and promptly closed my account and intercepted the deposit claiming fraud on my account. I contacted their fraud department and was told I could not be given any information and only XXXX could request the return of the payment. XXXX claims they neither get involved nor request payment returns. I have contacted the Attorney General Treasury Department Office of the Comptroller Federal Reserve Consumer Help and Consumer Finance to file complaints to get my XX/XX/2024 XXXX payment by XX/XX/2024. Will you look into this and have it deposited into my current account on file while the Government continues its case in court with Comerica and Direct Express for this same fraud of which I just read about online. I just need to pay my doctors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written XXXX  many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to XXXX showing this as late. This has caused severe hardships and prevented me from buying a home. 

I have attached the formal dispute letter which was sent to XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX I reported to Citicard that there were 2 fraudulent charges on my citi preferred card in the amounts of {$460.00} and {$820.00} for MR XXXX ( XXXX XXXX, XXXX, CA ). The rep told me he would cancel the card, research the fraud and expedite ship me a new card to be received XX/XX/XXXX. 


XX/XX/XXXX 2 phone calls made due to not receiving the card. I figured out Citicard put the wrong street address on the shipping label and my account. Second phone call I spoke with rep XXXX, " specialist '' XXXX and " manager '' XXXX. None of them corrected their address mistake. It was to the point I was asking for compensation for my repeated phone calls, their address mistake and not getting my card when they promised. 

XXXX was extremely rude. When I told her I didn't trust the company to do what they say they will do she then said " Ill just send your card out in 5-7 days ''. This was after XXXX and XXXX told me the second new card would be expedited and received by me Tuesday the XXXX. I told XXXX she was passive aggressive and hung up on her. 


XX/XX/XXXX I called and spoke to XXXX to make a payment on the old card as I was unable to online and didn't want to incur any interest charges. After payment was made, I asked XXXX what the address was on my account. He confirmed the address was STILL wrong. He suggested I call back again the next day and speak with " line management dept ''. 


XX/XX/XXXX I called during my work day and spoke to XXXX. I asked her to connect me with " line management ''. She stated she could help me with the address change. She confirmed that the address was STILL wrong. She then reviewed my account and stated she could not help me with the address change.

At this writing I have made 5 phone calls to try to get the address corrected, get a new card and compensation for their mistake. 


The original XXXX XXXX tracking # is XXXX XXXX XXXX so you can see the address citicard listed was street number XXXX. 

My street number is XXXX. 


What else do I need to do to get service from this company?
Product: Credit card

In XXXX of 2023, I mailed a payment to AMEx from my bank the way I had been doing for years. It was returned and I later found out that they had changed to mailing address. Since I was no longer using the card, I asked for the balance on my account and simultaneously closed the account. Since that time, AMEX has been erroneously charging me additional interest and late fees. I have tried to dispute this and keep getting the run around and they say they will contact me and they never do. Please help.
Product: Debt collection

I do not owe this debt! I have disputed this account several times and it has been removed and keeps returning dropping my credit score. I do not owe a medical bill for {$500.00}! If I did I would have paid this.
Product: Credit card

I received a letter from XXXX XXXX American Express saying they received my request for a card but need more information. This made me call Amex and they said a card had been openend in my name on XX/XX/XXXX and will arrive at my house XX/XX/XXXX. It is an American Express blue business cash card ending in XXXX. They are cancelling the card and investigating the request.
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 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account XXXX : XXXX Account Number : XXXX Account XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

My credit card was used without my knowledge and I contacted the company on several occasions and they are now reporting on my credit report as delinquent. opened card on XX/XX/XXXX and fraud took place in or around XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I would like for XXXX XXXX XXXX to provide documentation that supports the reason why this account is reporting. Where is the permissible purpose I gave for account to report. If you cant provide documentation with my signature, please remove account from my report.
Product: Credit reporting or other personal consumer reports

I have communicated with XXXX regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. Experian have sent me documents saying they have received confirmation XXXX. This is a lie. Attached you will find the correspondence from the Bankruptcy court house and XXXX XXXX regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX XXXXXX/XX/2023 Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g , I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Mortgage

I emailed requested loan modification documents several times. Land Home Financial Services does not respond. After several attempts emailing modification documents, they finally acknowledged receipt. 

However, they will not return phone calls or emails for modification update. Lender retained law firm mailed a payment demand pre-foreclosure letter. 

Also, I requested evidence original loan was properly transferred and owned by present mortgage company without response. I disagreed with total balance amount owed. Again, no-response. 

I made a similar complaint to CFPB months ago. CFPB closed complaint without the responses from lender. Leaving me with same problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # XXXX XXXX, and XXXX & I am including it again., 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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.