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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Bank account or service

I received an unsolicited XXXX from CpaitalOne few days ago. I called and asked that the card be cancelled. I was informed that I have been the subject of identity theft. IO was told that someone opened a checking account at CapitalOne ( online bank ) using my identity and hence a debit card was issued to me. I was advised to check all my accounts to make sure that there has n't been any un-authorized activity, call and write to the XXXX XXXX rating services and file a police report. I am in process of doing all that. 

Given the recent news about XXXX Bank, I would like the CFPB to investigate that CapitalOne ( online XXXX bank is also not opening up unsolicited bank accounts and issuing unsolicited debit cards. perhaps many if not all the large banks are doing the same but only XXXX got caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXX/XX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo over charging fees. Wells Fargo opened accounts, credit I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2020 - XX/XX/2020 {$0.00} The companies TransUnion, XXXX, and XXXX  have been reporting illegally and malicious complaints.
Product: Money transfer, virtual currency, or money service

Cash App by the company Square provides a digital wallet for USD/debit card/bit coin and stock purchase. In my account I have XXXXUSD worth of bitcoin. 

On XX/XX/XXXX, I upgraded my XXXX and installed the Cash App on my new phone. The old phone was returned to the XXXX XXXX. 

The App will not allow me to access my account. I have contacted Cash App customer service multiple times. I have receive scripted emails form 4 different representatives. None of which address my problem or seek to resolve their issue in an efficient or timely manner. Nor is there any dialogue, there is just random emails from different reps who don't familiarize themselves with the details of my account or issue. 

I have deleted and installed the app many times to start fresh. The app only allows me to create a NEW account. If I enter my current account username, the app will not let me proceed because the name is already taken ( obviously, by me ) ... 

I have been without access to my money for 7 days. I have had no response from the company that is relevant or attempts to solve my problem. This feels like fraud.
Product: Credit card

On XX/XX/year> I received a response from Experian credit bureau. The accounts I want to deal with today is XXXX XXXXXXXX and XXXXXXXX XXXX XXXX. Specifically XXXXXXXX XXXX XXXX account ending in XXXX case number XXXX. I once again informing you that I do not recognize this frozen account nor do I admit to any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act 609. ( 5 ) Im requesting the bill of sale and all billing sales. Im Requesting proof that they are the original due Holder in the course of this debt. Im requesting the original documents where they bought this debt. Im requesting counter records that prove that I opened this debt until this present day. im requesting the original contacts with the original credit of bearing my signature and authorization of this fraudulent debt. Im requesting your method of verification pertaining to those documents as is my right per Fair credit reporting act 611 ( 5 ) ) a ). Im informing you that Your offenses amount to aggravated identity theft pursuing to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment in addition to civil liability. Pursuant to 15 USC 1681.n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency on the false pretenses shall be fined under title 18 In prison for not more than two years, or both. Consumers suffer harm with consumer reporting agencies and furnishers Of information, allow fraudulent activities to persist without proper authorization from the consumer. These harms include the invasion of consumer privacy, as well as reputational, emotional, physical, and economical harms. I have been hindered from establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting. Therefore, Im demanding these accounts blocked and deleted because they do not belong to me. Once again attaching proof of my XXXX, my XXXX XXXX  identification card, And postdated letters from my family and government agencies as well as other information.
Product: Debt collection

I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, due to hurricane Harvey a declared natural disaster here in XXXX, Texas, My vehicle was totaled due to extensive water. My insurance company XXXX at the time, had me get a payoff amount from Mechanics Bank Auto ( account # XXXX ). Once received My insurance company paid out the vehicle in full to mechanics bank auto, and the account was closed. After this transaction I never heard from mechanics bank again. I have never received any bill or paperwork that stated that I owe {$81.00} which was later charged off by Mechanics Bank Auto. There is no way mechanics bank should be able to verify that to the credit bureaus and I questioning what investigative means was used to gather such info. The account should be paid in full. After I disputed the info, the creditor placed a derogatory remark on XXXX and XXXX causing my score to drop from an already closed account. So instead of just affecting XXXX I have this issue on all of my credit reports. A closed account should rarely ever change payment status to negative after being closed. This account is 6 years old and has reported inaccurately the entire time. I would like the account removed from my credit reports or corrected to display paid as agreed as the only status
Product: Payday loan, title loan, personal loan, or advance loan

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Complaint Regarding Debt XXXX Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt collectors who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 

The specific issues I have encountered include : 1. Unauthorized Withdrawals/Collections : Debt collectors have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision. 
2. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt collectors have failed to provide any valid evidence or validation of the debt they are attempting to collect. 
XXXX. Misrepresentation and Deceptive Practices : The actions of these debt collectors also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. 

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately. 


Despite my prior communications and attempts to resolve this issue amicably, I have yet to receive a satisfactory resolution. Specifically, I request the following fair actions be taken : 1. Refund of Any Overpayments : I seek a full refund of any amounts I have overpaid or incorrectly paid to your agency. I request a detailed accounting of all payments made and the corresponding amounts due, as well as an explanation of any discrepancies. 
2. Correction of XXXX Records : Any negative impact on my credit report resulting from this dispute should be corrected to accurately reflect my current standing and to remove any unjust marks. 
3. Cease Further Collection Activities : I request that all collection activities and communications cease immediately, as this matter should be resolved in accordance with the fair and accurate handling of my account. 

I expect a written response within [ reasonable timeframe, e.g., 15 days ] detailing the actions you will take to address these concerns and rectify the situation. If these issues are not resolved to my satisfaction, I will consider further steps, including contacting relevant regulatory bodies or seeking legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern, I had paid off an XXXX XXXX credit card through XXXX XXXX. I made an agreement to pay in full to satisfy the payment history. I made the full payment of XXXX on XXXX XXXX 2016 and they still have satisfied their promise. I have tried numerous time to make contact with the current person from XXXX XXXX card services but I am never able to receive assist. I am making a complaint today because Experian disputes results say that it was update and its was not! This account is still reporting inaccuracy it states that in XXXX I failed to pay, but it was paid off in XXXX. No one seem to care about the fact that this account was promised to be removed with full payment. I spoke with XXXX from Experian and like always unwilling to help! Can you assist me on making sure that I have been treated fairly.
Product: Checking or savings account

Chase Bank in XXXX has a banker who ambushed me on XXXX on a visit to the bank. He had been setting this situation up for 5 years via himself and the males he hires. He went on a financial hate crime spree in the bank and waited over a week to have paperwork sent to me detailing that Chase didn't want my business even though I did not violate any conduct rules or credit card rules. Chase Bank knows about this and is reviewing the situation to ( hopefully ) keep my bank account open. 

I find this banking behavior reprehensible and definitely want it published. I also hope the banker ( XXXX XXXX XXXX ) loses his ability to manage XXXX within all banking and finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was removed and put back on which is a FTC violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Hard inquiries bellow are result of fraud : : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These items above should be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - CALLED Equifax. Still on hold, after an hour of being transferred. I did speak to " XXXX '' who barely spoke XXXX and couldn't understand that I wanted to unfreeze a block, but couldn't access my account. Another 30 minutes, and I still don't have access to my account, and I can't unfreeze my credit!!!!! 

My credit score is around 830, so I WOULD HAVE BEEN ABLE TO TAKE ADVATAGE OF THE OFFER, but I am UNABLE to apply ( and the offer expires today ) due to an EQUIFAX freeze. XXXX and the Equifax personnel are clearly inept. 

I'm also a victim of the Equifax breach, and I find this " Equifax entity '' to be USELESS. Please shut them down.
Product: Debt collection

Please refer to uploaded document for all of the details about the complaint. 

This complaint involves two companies. The hospital where medical treatment was received and the collection agency. This collection account is reported with an outstanding balance of {$790.00} at all three credit bureaus. The medical bill was paid by my primary insurance, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX Bay Area Receivables XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX bayareareceivables.com
Product: Credit reporting, credit repair services, 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

I was a victim of identity theft when XXXX issued a credit card in my name which was fraudulently acquired. XXXX discovered the error and contacted me. On XXXX XXXX, XXXX the credit bureaus were notified and credit monitoring put in place. While monitoring my account, XXXX notified me on XXXX/XXXX/XXXX that persons unknown to me had attempted to open up an account with Synchrony Bank, XXXX  XXXX, XXXX CREDIT ACCOUNT. 

They advised me to immediately notify Synchrony Bank 's fraud alert team which I did. 
I spoke with XXXX who gave me a reference number of # XXXX for further inquiries. 
I was also notified on that day that the fraudulent request for credited been denied and that an investigation had begun and that I would be notified by mail within 30 days. On XXXX/XXXX/XXXX they sent out a letter denying me credit after doing another hard inquiry which was also fraudulently initiated. 
I responded to them that they should not have been sending me a letter denying me credit because they had already been informed 4 days earlier of fraudulent activity attempted on my credit and that there was credit monitoring in place. After being given this information they in turn did another hard inquiry, I believe, in a greedy effort to open up as many credit cards as possible. 
I also asked them to remove these hard inquiries from my credit report because they were made as a result of fraud. The credit bureau had informed me that the company making the inquiry had to remove it. That has not been done. Neither has Synchrony Bank responded to my certified letter that I sent them on XXXX XXXX, XXXX asking them to rectify this matter. They made the error, especially after being notified of the situation on XXXX/XXXX/XXXX. Their response was to turn around and do another hard inquiry in hopes opening up new credit debt for me. 
All I want them to do is remove these hard inquiries from my credit report because I do n't want false information on my report that can affect my future credit needs and opportunities for up to three years. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY.  YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Credit reporting or other personal consumer reports

Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.