23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 First credit services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send a bill and say its mines. According to FCRA First credit services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

This XXXX account is NOT my account. I dont understand what you dont understand about that. I have never been approved for a XXXX account due to my low credit score obviously. How is anyone supposed to get ahead in life with this kind of dumb situations keep happening. Someone mustve used my infortmatiom because it is NOT my debt. XXXX is a known for doing this type of thing and I am so tired of it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXXXXXX XXXX Balance : {$5600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commerce Bank filed 1099c that does not show the breakdown of the amounts for debt cancelled- principal versus interest. It is important to breakdown the total into these two categories as not all amounts are taxable. Looking at the way Commerce Bank filed 1099 C with no breakdown for principal and interest all amounts are taxable. It is wrong to list the amounts as they did on 1099C as a lot of it is due to interest. This must be reflected on 1099c form.
Product: Checking or savings account

I received a call from Citibank that sounded fraudulent. I asked for a number to call back and when I did, they answered Citibank, XXXX. 

The representative told me that someone in XXXX XXXX opened a checking account in my name and had 2 transacations, one for {$1200.00} and XXXX for {$800.00}. 

They also said that I had to call XXXX to remove the transacations. I was hesitant to call, but they insisted that only XXXX could remove the transactions, phone number was XXXX. I spoke to a XXXX XXXX at extension XXXX who tried to walk me through the process of removing the transactions which didn't work. When i tried to call back no one would pick up or i would be put on hold then hung up.

Both numbers are now not reachable.

I called Citi credit card fraud unit who ran a check on my social security and said no accounts within the bank were opened.
Product: Credit reporting or other personal consumer reports

Experian said that removed XXXX XXXX XXXX  off my credit report for inaccuracies. Its appearing different across all three bureus. This is not fair and equitable to the consumer. Now the account is reappearing on my reports illegally. This is against the law! Now I am unable to access my credit reports nor get them on the phone. This is against my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Late Date XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a new Credit Card with Wells Fargo with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from XXXX  with 100 % inaccurate information : Alert 1 - That Wells Fargo reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That Wells Fargo reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3- That Wells Fargo reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from Wells Fargo have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.
Product: Money transfer, virtual currency, or money service

Im filing my complaint against cashapp ( Block, inc. ) due to the inadequate customer support and unfair practices which violate the consumer financial protection act ( CFPA ) cashapp has failed to take timely and effective measures to address fraud on their platform, leaving my account unprotected. Furthermore, their charge dispute process is unreasonable and often times denied without proper action being taken to ensure the fairness of the review. They didnt comply with the resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. Their negligence has caused a plethora of unauthorized charges and financial losses often times with no resolution and I would like to seek appropriate redress for these unruly violations
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I asked Equifax to investigate an inaccurate account on my consumer report, that account is under XXXXXXXX XXXX XXXX ( {$520.00} ) which was opened on XX/XX/2017. There were XXXX reasons that this account should be deleted. 
XXXX more than XXXX XXXX XXXX XXXX. This is a closed account that still reports late payments negatively affecting my credit score. 
XXXX. There is an Identity theft report in relation to this account which has already been provided. 
This account is preventing myself from purchasing a vehicle in violation of my civil rights under the FCRA.
Product: Checking or savings account

On XX/XX/year> my mother passed, she has an account at chase bank, we informed them of her death and advised we were in probate. Our probate completed on XX/XX/year>, I took all legal documents, death certificate and identification showing I am the XXXX XXXX for my mothers estate. They refused to provide me with any information on the account stating they were going to copy the court order directing them to release and close her account to there legal department and would get back to me. It is a court order directing them to release the information and they refuse to release my mothers assets, or provide me with any documents or information on her account stating that I'm not on her account. A court order signed by a judge should be enough for this bank but it is not. They have frozen her account and stated they will tell me when I am able to close her account and take possession of her assets to put into her trust. What they are doing is illegal and immoral. My family is grieving the loss of our mother and they are willfully violating a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The only an address on my Experian credit report should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX All other addresses on my report need to be removed immediately. 

USC, 1681 and USC 1681s2 These laws say that I have a right to privacy, and anything else added on my credit report without my permission needs to be removed
Product: Debt collection

Automobile Acceptance is attempting to collect a debt that is outside of the Statute of Limitations in violation of FCRA & FDCPA the derogatory remarks have hindered me from obtaining lines of credit and a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWARE I contacted this company today with all my personal information. The company has no record of me with an account. WHY IS THIS ON MY CREDIT REPORT?? 

This suppose to be an credit card with an credit limit of XXXX. I have never had such a card. No money is owed, no balance,. 

It say Date Open : XXXX XXXX
Product: Credit card or prepaid card

I signed up for Capital One Spark Business Credit in XXXX. I was given an offer of 0 % APR for 12 months. I took advantage of that. I called Capital One to check when the 12 months expire and what is the last date to pay the statement balance in full, so that I do not get charges for any interest. They gave me a date of XX/XX/XXXX. I put a reminder in my Calendar to pay the balance in full on XX/XX/XXXX. But when I logged in XX/XX/XXXX, I noticed two interest charges on XXXX and XXXX. So I called them and they are saying that I was given the wrong information and there is nothing they can do to reverse the interest charges. I also said that all calls are recorded on their end. Why can't they pull the card records and investigate this and they said, they don't have the ability to do that.
Product: Prepaid card

I received the card as a wedding present in XX/XX/XXXX. Taking note of the expiration date, we secured the card in its unopened and original packaging in our home waiting for the right time to use our gift. On a family vacation in XX/XX/XXXX, we decided to take the card with us and use for the trip. While at XXXX in XXXX XXXX XXXX, I opened the card, still in its ORIGINAL packing and attempted to purchase coffee, only to have the card declined. 

When I was finally able to call the company ( within the hour ) I discovered through the automated feature that the card was used in the XXXX Florida area at the following places : XXXX XXXX. {$140.00} in XX/XX/XXXX XXXX XXXX XXXX. {$2.00}. XX/XX/XXXX XXXX {$14.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX The balance on the gift card was a mere {$6.00}. 

I lodged a complaint to which they provided a ticket number ( XXXX ) and I was instructed to wait 90 days for their response and obviously since I have contacted your agency, they would not resolve my case because of the time frame of the fraudulent purchases to the time of my complaint, to which my response is that I received this card as a gift and kept it safe in my possession until I wanted to use it, how on earth was I supposed to lodge a complaint if I believed that the card was safe until I decided to use the card. 

It is worth noting that i live more than XXXX hours from XXXX Florida and works full time job. I am submitting a letter from my HR department indicating that I was working on the date of these fraudulent purchases. 

Further, I am well aware of the XXXX  of complaints against Vanilla Gift Cards as well as class action law suits against Vanilla Gift Cards for their GROSS NEGLIGENCE in protection of these gift cards! 

Although the time frame from the date of purchase of the card to the time that I attempted to use my card is long, once the card was purchased I did ALL the right things to keep my card safe and used the card long before the expiration. 

I am including ALL components of the card as well to include packaging for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

RGL Associates has accepted a debt collection from the XXXX XXXX POOL SERVICE OPERATOR named XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has a record of credit card fraud, refusing to perform on their written contracts, billing and invoicing fraud and intimidation tactics if you should not accept nor pay their fraudulent invoices. They refuse to make any effort to discuss or resolve conflicts or disputes. RGL Associates is now trying to collect on a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Checking or savings account

On XX/XX/XXXX I went to check my account and my online account was disabled. I attempted to call to get information and why it was disabled and they asked me if I added a new recipient on my XXXX and that it looked like there was fraud. There was no fraud on my account and no one contacted me to asked me or confirm anything about fraud, they just disabled my account. Now it's 48 hours later and still no one has answers. I need to deposit my check and I need to be able to monitor my account. They can either unlock my account or close my account but I am completely done with the way US Bank does business and the fact they think they can just do things to your account without permission.
Product: Checking or savings account

On XX/XX/2022 I did a mobile deposit in the amount of XXXX this was an expense check sent to me from the company I work for. On XX/XX/2022 someone else produced the same check in the amount of XXXX and mobile deposited it into a XXXXXXXX XXXX with someone else 's name and address on the check. Both Wells Fargo and XXXX allowed an already negotiated check to be cashed. My company has a positive pay system in place so this doesn't happen. So I'm not sure how it was ever approved to be cashed.Furthermore this fraudulent check never hit their account. Instead Wells Fargo deducted the amount out of my account. I have filed four claims on this and each claim has been closed. I even received a copy of the check with someone else 's information on it.
Product: Payday loan, title loan, or personal loan

On XXXX-XXXX-2017 I applied for a payday loan with Balance Credit. I was finally able to print off my contract. I was completely shocked at the 325.00% finance rate. The finance charge is $ XXXX. The initial loan amount was $XXXX which I received. On page 3 of the agreement is states that I agree to pay $ XXXX plus an additional interest of 25% per annum. This amount is not listed on the first page. This would be a total amount due of $XXXX. This is outrageous. They are taking $XXXX out of my bank account every 2 weeks. I also noticed a clause that states that they can take out a demand payment anytime and for no reason for anytime. I can't believe that I got myself into this rip-off trap. I can't afford it. They were very deceptive on the charges that would be due. I have read hundreds of bad reviews on this company. Please help me with this. I tried to talk to them and they said that I signed it so I am stuck with it. I hope they are not able to get away with this scam any longer and hurt other people. Thank-you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type Individual I have already tried to contact the company. They can not remove the inquiries all of those companies said that TransUnion are the people that HAVE TO REMOVE THEM FROM MY CREDIT REPORT. THEY DO NOT HAVE ACCESS TO THAT ONLY TRANSUNION DOES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has with no explanation blocked me from calling writing a letter or online to check or dispute my credit report they keep telling me its not there problem. And when I confronted them by phone on hard inquiries the did n't have any information on the inquiry other then my name with it no social security number or date of birth they are letting companies check report without proper proof I asked them to check my report they will not fix the problem some of the companies I contacted didnt even have me on file I even applied for credit ever, and some companies I try to find are not even a company and the number on the reports for the companies are disconnected and they will do nothing about it.