23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. 
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX. 

FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section  623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the   information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation withi n 5 busin ess days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as :  1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3. XXXX   XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6.  XXXX   XXXX   ACC  BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
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 practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and to address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had a flight that I purchased with my Chase travel card through their travel booking portal. The flight was canceled so they were supposed to refund my money of about {$650.00}. After weeks of calling and calling, they finally said they had initiated the refund and it would show up within XXXX months. XXXX months later it had still not been refunded. I contacted them and they said the refund had never happened, but they would initiate it then and it would take another XXXX months. I said this was unacceptable as this would be XXXX months at least, and who knows if they would actually do it that time, and I was being charged interest the entire time. I requested a number for a supervisor to resolve it quicker. This was weeks ago. They did not provide me with a supervisor and have since stopped responding.
Product: Debt collection

I asked that my debt be deleted from my credit report in exchange for me paying the balance in full. I paid the balance and the account still shows up as open on my credit report.
Product: Credit reporting

Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a XXXX balance. FTC XXXX XXXX XXXX, item XXXX states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the dischargeddebt and there should be no additional reporting after the bankruptcy filing date. XXXX XXXX XXXX and the XXXX accounts was included in my Bankruptcy and needs to be deleted according to Chex Systems policy.
Product: Credit reporting or other personal consumer reports

I want to ensure that you only retain and report true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right, that this inaccurate information be removed immediately. 

I have recently moved, My CURRENT STREET ADDRESS is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Please DELETE any reported personal identier information NOT EXACTLY displayed as XXXX XXXX of address located precisely at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NV XXXX with an exact SSN ( or last four ) of XXXX born on XXXX. 

Please DELETE the following inaccurate EMPLOYERS. 
LUGGAGE FORWARD HELP CLOUD I'm sharing a copy of my ID, and SSN card to verify my identity. Im prepared to notify the Credit Financial Protection Bureau and the Federal Trade Commission if the inaccurate information is not removed after the investigation. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain my Free Annual Credit Report from Equifax. Completed online request but Equifax replies with message to call their XXXX number.. I am hearing impaired and avoid any business dealing over the telephone. I have had this same problem off and on for years with this company. Why can this company not provide information requested by online inquiry?
Product: Credit card or prepaid card

My husband and I were scammed by an online affiliate marketing company, XXXX ( XXXX XXXX XXXX XXXX ) for over $ 100k. We purchased the top tier affiliate position, which they called XXXX the end of XX/XX/2018, which included over 30 hours of coaching. We were just getting started learning the business in XXXX, when our coach strongly urged us to purchase 100 names with contact information of people who had purchased the entry level ( least expensive ) products from XXXX for {$230.00} each. We were told these would be great leads to launch our business. We made the purchase, charging $ XXXX to our Citibank card and $ XXXX to a XXXX XXXX XXXX card. As we attempted to communicate with the 100 individuals, it became apparent that they were not strong leads, as 13 people requested refunds for the XXXX product they purchased, 10 were reported to XXXX 's support department for fraud or other issues and 29 were uncontactable. And judging from some of the comments from those we did hear from, they did not give XXXX permission to sell their contact information. 

On XX/XX/18, the Federal Trade Commission shut down XXXX 's operations, froze their assets, disabled their websites, and placed gag orders on their employees. They were essentially out of business in the US. With this action by the FTC, the 100 names we had purchased from XXXX XXXX XXXX XXXX ( a  division of XXXX ) were totally worthless to us. There were no products available to promote. We filed claims with both credit card companies. Citibank denied the claim twice. My husband and I are both retired seniors who have been victimized.
Product: Credit card

on XX/XX/XXXX i was alert by phone by XXXX representative to verify i wish to open a XXXX in the store with the fraudster holding on the other line.I advice i donot want or apply for XXXX XXXX card and to decline and close out account. i was told by the rep they will devaule the gift of {$750.00} that was been purchase to XXXX and close out. on XXXX/XXXX/XXXX i got a card to activate. i call back and advice i dont want this card and it is fraud i was then told that there is a balance on the card for {$750.00} and that the purchase was made on XX/XX/XXXX in the bronx and the card was applied for online in XX/XX/XXXX. i could not understand because here the bank presumingly have a fraud procedure in place to activate the card before it can be used but purchase was already made. I SEE ON MY CREDIT REPORT HE BANK REPORT THE AMOUNT OF {$740.00} ; STATING IT IS IN DISPUTE. I WISH FOR THIS TO BE TOTALLY REMOVE FROM MY CREDIT I also received a bill from sychrony bank for {$16000.00} for a store card issue for XXXX. I never received a call or alert from the bank when these unusually big purchases are been made in XXXX XXXX XXXX IN MIND I LIVE IN XXXX XXXX . I CONTACT THE BANK AND I WAS TOLD THAT I AM NOT RESPONSIBLE FOR THE BILL, I WANT THIS TAKEN OFF MY CREDIT REPORT. I am high XXXX and i dont want my credit tarnish. if these bank are so quick to issue and approve credit without proper id and some kind of alert system with all the fraud we face today in america. THEY NEED TO QUICKLY REMOVE THESE CREDIT FROM MY REPORT AND LET XXXX AND XXXX XXXX PAY THEM. I APPRECIATE ALL THE HELP YOUR CFPB CAN DO TO EXPEDITE THIS FRAUD OFF MY CREDIT REPORT TO MAKE ME WHOLE AGAIN.
Product: Credit card or prepaid card

I was denied services by an airline company and reported the same to the credit card company and requested a refund.THey initially provided a response from the merchant and asked for my response.When I provided my response, they did bot resolve the request and are saying merchant is not willing to give the money, When I asked to share the response from the merchant, they are just ignoring and not responding
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to XXXX, XXXX, Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Product: Debt collection

On XX/XX/XXXX I contacted Tele-Check that my bank had sent back a check I wrote on XX/XX/XXXX for XXXX after I had deposited a check for XXXX into my acct to cover the check. I called them because my bank sent it back talking about holding my funds so they could collect as much interest on as much, I know this only caring about themselves not the customer. I spoke w/a XXXX-collector Desk XXXX at Tele-check, not to even go into how inappropriate this person was w/her personal opinions as oppose to sticking to the facts. The reference number for the call that I insisted on is XXXX. I called in advance to ward off them taking XXXX my acct because they could and the funds were there, this is WRONG. I believed this money would NOT be taken out after the call and heads up warning for the check did clear as XXXX and I discussed on XX/XX/XXXX. She tried to get me to pay another XXXX that day?? then they would have gotten XXXX from me, to earn interest and return to me at their will and leisure. Really, a manger needs to pull that call. On XX/XX/XXXX XXXX was taken out of my acct because they could and have access, the risks you run of writing a check these days!! It's check number XXXX XXXX XXXX XXXX XXXX XXXX. 
Tele-check trace number XXXX. They should not be allowed to just capitalize off of ppl like this because my check WAS good and written in good faith. I had NO idea at the time of writing the check my bank would not honor after I knew I had the funds coming to cover.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year> at approximately XXXX, I attempted to create an account so that I could freeze my credit. The account creation page would claim there was an error after I provided the last XXXX digits of my social, full phone number, and then clicked on the verification link on my phone. 
At XXXX, I called Experian XXXX Customer Support line, ( XXXX ) XXXX, to receive help creating an account so that I could freeze my credit. The phone number provided sent me through an automated list that ONLY redirected me back to creating an account online and hung up. Even after calling back and telling the automated system that I wanted to speak to a representative, the system would say the same script and end the call. 
Eventually, I found a different phone number that allowed me to speak to a representative by claiming I had a dispute. The first time I called and received a person, XXXX, I was able to put the freeze in place and be transferred to someone that could help me create the account, so I could thaw or lift the freeze in the future without going through the useless automated system. The line rang for a while, but then sent me through the automated system. 
Livid, I called back again at XXXX and claimed I had a dispute so I could talk to someone. They " transferred me '' and it sent me directly to the automated system. I have no way of creating an account to access the freeze that is on my account at this time. I am incredibly frustrated that this is supposed to be a free service that has access to my credit and it is unwilling to allow me access. It seems intentional to deny me access. I just want to create an account.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have ITEMS left that needed to be removed. This is my 5th complaint that I am a victim of identity theft and I submit to dispute these certain items in my file resulting from the crime. Per FCRA section 605 the Credit Bureaus are required to remove any items listed on an ID THEFT REPORT # XXXX. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. Please see the items for REMOVAL below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my credit report without my written consent is considered Identity theft.
Product: Mortgage

I received a letter stating the servicing of my mortgage is being transferred effective XX/XX/2016. My problem with this is I did not receive in writing until XX/XX/2016 ( 19days ) from current servicer and XX/XX/2016 ( 12 days ) from new servicer. I am currently set with biweekly drafts which will be ending XX/XX/XXXX, .... I called new service provider and explained my set up in which I am comfortable with. They informed me that I would have to repeat process of making 2 payments in one month in order to continue the biweekly draft because their system is not set up to collect half payments. This puts a bind on me and my family and undo XXXX. I really need help with this because too stay at the status I 've created will cost more money and that is not fair to a loyal consumers. Who make their payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX 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

The agency is reporting the account as in collection when it never was. I have contacted the agency as well as Experian credit to try and get this corrected to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I attended a event in XXXX and my purse was stolen that included my personal information. A police report was filed with the XXXX XXXX police department, and I was advised to continue to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge. I contacted the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to request verification of the accounts. I was also informed that my information was included in an Equifax Breach. Furnishing information to my account with my written consent or knowledge is in violation of 15 USC 1681B. 

I have thoroughly researched, and these accounts being furnished to my profile are from someone using my information without my knowledge. Furnishing accounts due to identity theft further violates my consumer rights, specifically 15 USC 1681 c-2. 

I have affiliation with XXXX XXXX or XXXX XXXX XXXX.
Product: Debt collection

asked for additional information about the debt and who obtained it, this was in XXXX  never was given the information. Then I was told it was sent to a collection agency. I have asked for it to be removed with no avail.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. 

In accordance with the Fair Credit Reporting Act, I am hereby requesting an investigation into these items and their subsequent removal from my credit report. I understand that you will contact the respective creditors to verify the accuracy of these entries. Any information that can not be verified by the creditor should be promptly deleted. It is my understanding that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days upon receipt of this letter.