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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpt . M, DXXXX XXXX, FL XXXX XX/XX/2021BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As ofXX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on BANK OF AMERICA WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX the consumer gave EQUIFAX XXXX NOTICES to delete information from my credit report. I have evidence of them removing and putting back. 15 U.S.C. 5802, I never received disclosures to opt out, I need that to be done as well. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FCRA 15 USC 1681 accuracy and fairness of credit reporting ; the congress finds the following findings : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This is the law that governs my consumer reports/credit reports. Proof that your Credit Reporting Agency is the information highlighted on my credit report. Accuracy means all values are deemed correct, so accuracy is a measure of value. Value can only be determined by a human being/living being/natural person. So when congress references accuracy, they are leaving it up to me to determine whether my credit reports are of any value to me. Fairness is no one person is taking unjust advantage of another. So when congress references fairness, they are asking you me to decide whether my reports are just and if someone is taking an unjust advantage of you. Equifax, XXXX and XXXX have all been notified. They are in violation of PRIVACY ACT OF XXXX  : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). I NEVER gave you, Equifax, XXXX or XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Equifax has caused severe stress and anxiety due to the abusive and unfair practices. No one is allowed to have or purchase my information without my consent. This is an infringement upon a consumers right to privacy. 15 USC 1692 it references individual privacy fall under abusive practices. 15 USC 1692d The use or threat of use of violence or other criminal means to harm, the physical person, reputation, or property of any person. There are XXXX missed payments listed for XXXX and XXXX. Equifax has XXXX missed payments. According to the FCRA is {$1000.00} per violation. I want to be compensated along with compensation for Emotional Damage and Humiliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 u.s.c., 1681 section 602A. States I have the right to privacy 15 u.s.c., 1681 Section 604A. A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 addressing fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I also want to add that Cash App banned my account and said they would send out an email explaining why my account was banned. It has now been almost XXXX months since this has happened and I havent gotten an email and was wrongly suspended from my account. There was no actual help from the Chat With Us it was always a bot that would send the same message over and over. Eventually I closed my account and still to this day I am banned from Cash App and dont know why!
Product: Debt collection

I worked for XXXX XXXX and got a {$6000.00} sign on bonus, I ended up off with a medical XXXX and was unable to return to that position. XXXX was to find me another position within the company and they were having difficulty and my boss at the time was pressuring me because she needed to fill the position, she wanted me to resign so she could fill the position, so I did while off with my XXXX. I was treated unfair with my XXXX and bullied into resigning, I never received a bill from XXXX XXXX for this, first I heard anything about it was through this collection agency, I should not have to pay this {$6000.00} sign on back because of this, now it is at XXXX Credit Management Company reference XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, {$350.00}, XXXX XXXX  XXXX, {$300.00}, XXXX XXXX {$2300.00}, XXXX XXXX BANK, {$540.00}, XXXX XXXXXXXX XXXX, {$29000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$220.00}, XXXX As per 15 U.S.C 1681g, I request that you provide the following : Verification of the accuracy of the disputed accounts, including the name and contact information of the original creditor. 
XXXX. A complete description of the investigation procedures used to verify the information. 
XXXX. Documentation supporting the validity and accuracy of the accounts in question. 

If the disputed accounts can not be verified or substantiated within the required time frame ( 30 days ), I request that they be promptly removed from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ). 

Please mail a written response, including any supporting documentation, to the address provided above. Additionally, if corrections or deletions are made, I request an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I got an installment loan, made timely payments until an accident. Before I got back to work, they sold the loan and reported a charge off without supplying me with appropriate paperwork.
Product: Debt collection

XXXX XXXX XXXX, is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

THE COMPANY RESPONSE AS THIS IS A IDENTITY THEFT AND THE ACCOUNT DOES NOT BELONG TO ME. 




XXXX XXXX XXXX is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, XXXX XXXX XXXX XXXX has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. XXXX XXXX does not purchase or own debt ; it collects on accounts referred by its clients. XXXX XXXX and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX and the attachments have been reviewed. We have also reviewed our collection notes and records. The consumer states she is a victim of identity theft, and the debt does not belong to her. The consumer also indicates the balance reported to her credit file is fraudulent. Subsequently, the consumer requests to remove the debt from her credit file. XXXX referred an account to XXXX XXXX for collection on XX/XX/XXXX, listing the principal amount due of {$5500.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. On XX/XX/XXXX, the consumer recognized ownership of the debt. On that occasion, the consumer requested payment options and unfortunately, the call got disconnected. We are enclosing for the consumers records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and repair cost invoices ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as hers and would like XXXX XXXX to investigate based on fraud, XXXX XXXX requests that the following information be provided as soon as possible : 1. Copy of the police report filed. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport 3. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status. If the consumer has additional questions, she may contact XXXX XXXX XXXX XXXX XXXX 's Consumer Resolution Department at XXXX or via telephon
Product: Credit card or prepaid card

I have tried 12 times to sync up my address between EDD/SDI and Bank of America prepaid Edd debit card My address on both sides are not same. The street address is same but apartments number is not. Since my card expired I can not get replacement sent to me. 

I have contacted both EDD and BofA to resolve this but BofA says they need the address change to come from EDD. EDD has said the correct address has been sent ( many times ) but BofA still has old address BofA and EDD have been contacted several times ( at least 12 times each. 
No resolution
Product: Checking or savings account

I have tried to cancel my Checking ( XXXX ) and Savings ( XXXX ) accounts with Citibank multiple times via phone and chat. I have been told that my account would be closed, but I don't have a record of this exchange because Citibank does not allow you to send them email communications. 

On XXXX, Citibank charged me an account maintenance fee ( XXXX $ ) and an overdraft fee ( XXXX $ ).
Product: Debt collection

I have called Credence on several occasions with an account they have listed under XXXX XXXX XXXX XXXX XXXX, but I went to the hospital and received an incorrect bill from XXXX XXXX XXXX. I have been trying to get my account updated with with my XXXX information. At first they said they would contact their client and provide the info. I waited and called back and then they claimed they can't do anything, said there was a filing limit when I informed them that I was informed there was no filing time limit with XXXX, I spoke to numerous reps, one hung up on me, they kept transferring me, then they were all of a sudden that department was closed way earlier than they were supposed 30-40 mins earlier after they left me on hold for almost an hour and kept telling me to contact different numbers. I have been going back and fourth between the collection agency and XXXX XXXX XXXX trying to get this sorted out and no one has taken the time to get this handled or input the correct information for my XXXX XXXX XXXX. I informed the Credence Collection agency that because of their tactics I would just file a claim and get this handled
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

these accounts that appear on my credit report do not belong to me, please check them. 
they are hurting me 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 
3. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Payday loan, title loan, or personal loan

I borrowed {$1300.00} from them around the end of XXXX. My first payment was in XXXX for {$540.00} and thats when they told me how Many payments and the amount I still owed them. {$6000.00}! They said my payments will continue until XXXX of 2024.
Product: Debt collection

I have sent a letter to this company. They are still reporting this incorrect information on my credit report. It is ruining my credit
Product: Debt collection

My cousin was given a paper work not hiding information or in a envelope. Just a paper displaying all information and he was told I am being sued by Crown Asset Management. Important paperwork like this kind should be at least in a envelope not out for everyone to see my information. 

From my understanding if I am being sued the paperwork should have been given to me personally not someone else other than me. Especially if I was not at the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to.apply for a card and it ran multiple times XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, Equifax, XXXX XXXX, et al breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA. Because of the fact just mentioned, I DO NOT BELIEVE AGENCIES PERFORMED ACCURATE INVESTIGATIONS. 
Mismatched data supplied to ALL THREE credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and negligent FCRA violation. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. It was discovered that 1 - 100 of 1561 records of companies/organizations were/are trading on the XXXX without my authorization . Business Entity Data ( BED ) B.V., a wholly owned subsidiary of The Depository Trust & Clearing Corporation ( " DTCC '' ), owns and operates the XXXX XXXX XXXX XXXX XXXX ( GMEI ) legal entity identifier ( LEI ) solution in the federated Global LEI system ( GLEIS ). XXXX XXXX XXXX XXXX XXXX, XXXX. Also, XXXX XXXX obtained my SS # attempting to get a mortgage. My permission was not given to any person, or entity, to use my identity, name, likeness, signature, or social security number for any reason.
Product: Debt collection

I woke up to a XXXX notification that a new collection account was added to my credit file. I have had no notifications from any company claiming to collect on this debt which I do not recognize. The collector has a date opened of XX/XX/2020 and an original creditor of XXXX XXXX. I have nothing on my credit report from this creditor. I have also had XXXX negative items for quite some time starting well before XXXX of 2020. I was also given no advance notification of this alleged debt which is a violation of the FDCPA. This is no surprise based on the past track record of Trident Asset Management. I would like this account removed from my credit report immediately and collections to stop due to their negligence in not allowing me to dispute, or even informing me of this account before posting it to my credit report. If this is not rectified I will be contacting a debt collection attorney and filing suit for damages.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal complaint against XXXX, Equifax, and XXXX regarding inaccurate reporting of the XXXX XXXX account, referenced by account number XXXX. This account is reporting inconsistently and inaccurately across the three credit bureaus, and these inaccuracies are causing significant harm to my financial standing and jeopardizing my ability to purchase a home.

The inaccuracies in question involve the following details : Date Reported Date Last Verified Date Opened Date Closed Date of Last Payment Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers of information are required to report accurate and complete information to credit bureaus. However, The three bureaus have failed to meet this obligation, as demonstrated by the discrepancies in the reported information. These inconsistencies are directly affecting my creditworthiness, approval ratings, and overall financial stability. 

I have made diligent efforts to resolve this issue, including contacting XXXX XXXX and disputing the account with the credit bureaus, but no corrective action has been taken. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and continues to cause me undue financial harm.
Product: Money transfer, virtual currency, or money service

XXXX {$650.00}, XX/XX/XXXX {$160.00} and XX/XX/XXXX {$350.00}. My cash app was hacked and someone stole money on multiple days, I'm now unable to get into my cash app acct and unable to verify the acct being that the person changed all of my information. I contacted cash app with file a dispute and the closed the claim stating the the transactions were authorized.
Product: Credit reporting or other personal consumer reports

I started a dispute with XXXX credit agency for inaccurate reporting. I provided them with proof of the errors but they refused to remove the extremely deceitful account from my credit report. This is unacceptable