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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX Balance : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX  XXXX in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.
Product: Checking or savings account

capitale one bank froze my checking account for no raison. Since i got approve for ppp forgiveness loan on XX/XX/XXXX i got my account been frozen by capitale one. This is my only checking account. 
please need your help to restore justice
Product: Credit reporting or other personal consumer reports

This inquiry was not approved by me. I have had no discussions with this lender on the mentioned date.
Product: Credit card

I have written you before with unsatisfactory results about my former bank, but the issue I wish to take up today is different and pressing enough for me to contact you again. 
I have recently discovered that the company, XXXX has been hit by class action suits in approximately XXXX states for fraudulent selling, misinforming or not informing customers, and for unauthorized charges to their credit cards. Many times, the customers were not aware of these charges or that they had signed up for memberships that were charged to their cards or their mortgage each month. The same happened to me in 2012 and my case was sent to collections by Chase, who had been charged along with Trilegiant in at least XXXX case. I am still trying to clear that up. 
Each month, for 5 months Trilegiant made XXXX separate charges of XXXX for memberships in XXXX and XXXX to my Chase card. Eventually I refused to pay because I had I had not authorized these charges or knowingly signed on for membership. Chase continued to bill me, added interest charges and late fees, and eventually sent the bill to collections, creating a negative entry on my credit report. 
At that time, I was traveling and working in XXXX. I seriously doubt that the memberships could have been used there, even if I had signed up for them. However, the point is still that I did not knowingly authorize XXXX XXXX to sign me up for memberships or charge my Chase Card. I do n't even know how they got access to my credit card number or any other authorizing information. When I try to discuss the matter with Chase Fraud operations, they do n't listen and will not assist me in clearing this matter up so I can get these charges removed from my credit report. 
Upon returning to the US, I reviewed my credit status and did follow up on the Chase collection charges. I asked for reports and finally received the final reports yesterday showing the charges made by XXXX. I. contacted XXXX XXXX in fraud operations at Chase and was informed that she had decided that I was responsible for the account because I had made payments to it. 
I then went on the web to research the company and found that there were approximately XXXX similar complaints. Chase had been named, along with XXXX, in at least XXXX class action suit and XXXX has been fined millions of dollars for these actions in approximately XXXX states. In many of these cases, the consumer had, like me, paid the membership fees for several months before complaining. I also viewed XXXX law firm soliciting clients to file complaints against XXXX for the same reasons. I want to file a complaint, but not with them. I want Chase to correct this situation by acknowledging their error and removing the negative entries from my credit report. Can you help me? 
XXXX XXXX
Product: Debt collection

Good day.. 
Im so mad.. tried to cancel any dispute especially w Midfunding Acct w XXXX. The bill was close to {$1500.00} Please cancel any dispute at this time so the company can update their files.. 

Lastly. Please only have my name as XXXX XXXX XXXX Tele # XXXX I need the creditors stop pulling my credit.. 

Thank you
Product: Credit reporting or other personal consumer reports

Im reporting that Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected 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 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I have marked as in accurate XXXX Account XXXX and XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS WERE OPENED ILLEGALLY WITHOUT MY CONSENT. I NEVER SIGNED A CONTRACT WITH ANY OF THESE COMPANIES. 
XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXxxxxxx XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$6200.00} 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that is from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 90 days and you are in violation of the law because I am a victim of identity theft!
Product: Credit reporting or other personal consumer reports

please check information concerning the equifax data breach in attachments
Product: Debt collection

You have not supplied proof under the doctrine of XXXX by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i presume that no proof of the alleged debt in fact debt exists. This account is also listed as open as that is inaccurate as well.
Product: Mortgage

I had the mortgage hazard insurance for my new home from XX/XX/XXXX - XX/XX/XXXX I have got a notice from my insurance company saying, they didn't get the policy renewal premium from the mortgage company and the coverage expired. 
I have contacted Mr Cooper ( Nationstar mortgage LLC ) and they said, I can purchase a new insurance and update the insurance details in their site. 
I did the same but my new insurance started from XX/XX/XXXX which is almost XXXX weeks from the expiration date of previous policy ( XX/XX/XXXX ) Now I have got mail from Mr Cooper saying, they are planning to buy an insurance for the period XX/XX/XXXX - XX/XX/XXXX which is a past date and I will be charged {$250.00} for this. 
Buying an insurance for the past date doesn't make sense and also their customer care told me that I won't be charged for anything. 

But now when i called the customer care they are telling I will be charged {$250.00} as they are planing to buy insurance for the past date. 

They should not be charging me for the past period.
Product: Credit reporting or other personal consumer reports

I have not authorized any of these inquiries. I was involved in a data breach which I have got part of the settlement from the data, XXXX of the credit bureaus reached out to me and we were calling everywhere to see if we can get things resolved. This was around XX/XX/XXXX. I dont know the exact date, but I still have these inquiries on my credit that I didnt approve of I dont even have a car. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

American Adjustment Bureau is collecting a debt for XXXX creditor, XXXX XXXX XXXX. What they 've done is created XXXX individual collection accounts for XXXX creditor to create the appearance of many negative debt data points. All accounts started by AAB on XXXX/XXXX/2010, with XXXX additional XXXX on XXXX/XXXX/2010. Original debt was re-aged by AAB from original debt. Contacted XXXX, requesting verification and consolidating the accounts under XXXX record, but was ignored.
Product: Money transfer, virtual currency, or money service

I'm trying to pay my rent, the only accepted way currently is through cashapp. XXXX payment didn't go through so I tried to split it up and then XXXX payment goes through but then the rest won't. So I keep trying. Still nothing. So then I contact support and support just keeps telling me they don't have management and they keep telling me to go to the support page. These people don't know what they're doing or how to run a bank. I've been scammed so many times by cashapp and they do nothing about it. The least they can do is actually do their job and not just keep trying to send me links.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. Also I have a consumer statement on my report victim of fraud The following companiesXXXX Equifax XXXX XXXX XXXX are giving unauthorized and inaccurate information. Also I have filed these complaints and disputes numerous of times. I did not authorize I did not give any of these creditors access to my report I ask that they remove these following inquiries. I will allow 30 days for my account to be updated. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I have contacted the credit bureau on several occasions.
Product: Credit card or prepaid card

I was given a credit card in my XXXX year of XXXX school when I was just XXXX  years old through bank of america. I was briefly told about the benefits of the card then given a card with a {$700.00} credit line. Over time I was not able to pay the bill on time because, of my not many work hours and being so focused on school. By the time I knew it a collection agency was calling me during class, at home asking for me to pay {$900.00} for my bank of america credit card & I was young I didn't know who they were or how they got my number. I called bank of america to figure out the situation but, I found out my checking & savings account was closed along with having a red flag through XXXX XXXX  because, of fraud. Which was another shock I couldn't / didn't know how to handle properly. They told me after countless days of asking what happened that someone tried to cash a check in my name through the mobile bank of america app. That I had no idea about & explained to them various times, they told me that it would be taken care of but never was. I called but was told I would have to call XXXX XXXX and talk to them which I tried but had no response. Ever since those actions were taken place my credit has been bad. I haven't been able to open a new credit card to fix it or even a new bank account within a national branch. I am now XXXX years old I am married and have a XXXX months old XXXX. I own a business and work along in multiple other business as well in the advertisement and music. I have grown and now I'm trying to go back to correct all the wrong doing that has been done in my name on my credit still affecting me till this day in my decisions moving forward in life. 

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

I reached out to Experian starting XX/XX/year> asking them to remove inaccurate personal information from my report. The company failed to removed all of the inaccurate personal information from my report. Please remove inaccurate personal information from my consumer report.
Product: Debt collection

I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX  financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} ), XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, High Balance {$540.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know XXXXXXXX XXXX - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing XXXX XXXX Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; XXXX. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification.

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also In accordance with the Fair Credit Reporting act 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 an account without my written instructions. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Checking or savings account

Around XXXX I opened an account with my XXXX on as an authorized used with a debit card, XXXX had a past child support order from XXXX, we married in XXXX and I did not think they would XXXX my bank account due to XXXX wages being garnished. 

On XX/XX/XXXX I was checking my account online and noticed LEVY for {$73000.00} How California LEVY my account as the primary person and XXXX on the account and this Child Support Case is XXXX XXXX XXXX and I never knew the XXXX  then, I marry an individual XXXX lays all this out to me and California Child Support Services include me and garnish all my rent and bill finances that I earn to pay our bills for living? This should be illegal! 

I have to be subject to my XXXX for an incorrect child support amount while they garnish XXXX wages and put a XXXX after XXXX years of marriage? This is unlawful! 

I need answers from ARVEST Bank and California Child Support Services. 

My personal individual tax return is at stake for something I have nothing to do with.
Product: Credit card

I initiated a balance transfer from my XXXX XXXX card to my Chase card. A few days after I submitted the transfer I had the new balance on my XXXX XXXX account. I still had the balance on my Chase account. I contacted XXXX XXXX and went over the information. I gave them the account that is was suppose to be paid off ( Chase ). They said they sent an electronic payment to a XXXX digit number ( they did n't have the last XXXX of my credit card ). They said the tried to do a stop payment but could not due to it being an electronic payment. I contacted Chase and they said since the account does n't exist they can not locate the money. They said to contact XXXX XXXX and they can " take their money back ''. I have been in contact with several supervisors and no one wants to help me. They point the finger at the other bank. XXXX XXXX assures me that since they sent it electronically that there is nothing they can do. Chase assures me that there is nothing they can do. I do n't think I entered an account number in error but even if I did I do n't know why this is n't fixable. There was a payment of {$1100.00} sent to an account that does n't exist. There should be a ledger showing this amount on Chase 's system and they should either credit my account or reject the payment from XXXX XXXX. I am now stuck with XXXX balances with no end in sight. I am at my wits end and no one wants to get it resolved.
Product: Debt collection

1. Please furnish the name of the original creditor ; Please furnish the address and phone number of the original creditor. 
2. Please furnish the name of the person who verified the dispute with the original creditor ; 3. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 4. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 

5. Please furnish the license of the person collecting on the debt. 
6. Please furnish the cusip information for the application. 

Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid