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

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as XXXX. Please remove all from my credit report. 
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.

Items listed above, have 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 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 ( AN ( 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. 

Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$710.00}, Payment Status : Collection/Charge off Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$200.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$740.00} Account Name : XXXX XXXX XXXX, Account # XXXX, Account Type : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$440.00}, Payment Status : /Charge off
Product: Credit reporting or other personal consumer reports

Credit inquiry without consent. I received an alert from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please Remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Someone stole credit card out of mailbox and activated it and used it and they are trying to make me pay for it
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I redeemed reward points with Capital One for a {$100.00} gift card from XXXX. The gift card arrived without the {$100.00} funded. I called Capital One and spoke with a representative named XXXX. After waiting on hold with XXXX for over XXXX minutes, my phone call was transferred back to Capital One 's automated system. I would suggest that XXXX transferred my call purposely as she described my issue as " hard ... due to the complex procedure. '' Due to my XXXX, I don't have time to wait on hold to be transferred endlessly or for an unnecessarily complex procedure. Please either fund the {$100.00} on the gift card that you mailed me or send me a replacement. Upon request, I can provide the gift card number and/or the letter that accompanied the gift card that Capital One issued. The money is for holiday gift purchases- please resolve expeditiously.
Product: Debt collection

I had no idea I had an outstanding debt with XXXX. I did not once receive a call or email in regards to this debt. I believe this is a debt collector from XXXX, in which they ( XXXX ) has always kept my up-to-date contact information. Therefore, I would like to respectfully dispute this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFBP to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error information appear regarding about a Bank of America incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Debt collection

I C System, Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXX XXXX, XXXX XXXX, MN XXXXXXXXSir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify I C System, Inc ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : I C System, Inc any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification sent via certified mail XX/XX/22 requesting information on public record. The dispute was marked as remains I did not receive any of the information I ask to prove documentation. This was requested below : Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.
Product: Consumer Loan

I leased a vehicle ( XXXX Buick LaCrosse ) from US Bank. The lease term just ended and I paid US Bank {$17000.00} in certified check back on XXXX/XXXX/15 to buy the vehicle. It has now been two and a half weeks and US Bank is not releasing the title of the car and sending it to me. I have called several times and they still have not mailed it. If we consumers were to make a late payment, US Bank is quick to charge ridiculous late fees and ruin our credit report. However, the same rules do not apply to this bank. That is ridiculous! We need to get the title NOW.
Product: Debt collection

I have Creditor listed as XXXX XXXX XXXX of XXXX Florida on a letter from a debt collector ( XXXX XXXX at FirstPoint Collection Resources , Inc. located at XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX of XXXX are claiming that I owe them and have not listed the reason for this debt. 
They assigned this account number to me XXXX with FirstPoint Debt Collectors without any reason. 

I never called XXXX XXXX and when I try contacting First Point they just told me I had to pay for services I did not use. 

They charged me for {$990.00} and could not produce any evidence that I used their services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sends consumers information via the media to make consumers believe that they can repair credit issues. I personally contacted them to start credit repair and found out that the whole company is fraudulent. What was slated for repair back in XX/XX/XXXX did not even get resolved. Letters sent to creditors were never fixed as promised and the same list plus more items are published as of today in the year XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XX/XX/2022 and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX
Product: Debt collection

Unknown medical charge, I have disputed with no validation being received. Please help
Product: Money transfer, virtual currency, or money service

Coinbase case number XXXX .On XX/XX/21 I made a mistake and I purchase USDC coin for XXXX and deposit XXXX from my bank into coinbase at the same time. I only had XXXX in the bank so I had to cancel XXXX and called XXXX and they cancel one transaction on XX/XX/21 and deposit XXXX into coinbase. On XX/XX/21 and XX/XX/21 coinbase collected both transactions and left my balance negative XXXX. I was surprised and called XXXX XXXX and they assured me that they deposit XXXX into coinbase and my bank statement is proof they deposit the XXXX. Where is the XXXX that XXXX XXXX deposit? Im negative XXXX in my bank account. I have written multiple emails to coinbase on XX/XX/21, XX/XX/21, and XX/XX/21 and no answer to where is the money. I also wrote to XXXX  case number XXXX but not answer yet. Please I need your help to get my XXXX back from coinbase.
Product: Checking or savings account

On XX/XX/2023 I contacted Truist Customer Service with regards to a promotional offer I received in mail and email. The promotion offered a {$400.00} bonus for opening a new checking account. The requirements were 1 ) open a new Truist One Checking account, and 2 ) complete at least two qualifying direct deposits, totaling {$1000.00} or more and be made within 90 days of account opening. After confirming my eligibility I went ahead and opened a Truist checking account. 

On XX/XX/XXXX, I contacted Truist Customer Service to ask why I hadn't received the bonus. The customer representative told me that I was eligible and I should have received the bonus. After an hour ( ONE HOUR ) on the phone, the representative told me that I hadn't met criteria # 2. However, my records ( Truist banking statements ) show the following direct deposits : XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} After ANOTHER HOUR the representative told that I wasn't qualified because I had another Truist One Checking account. The representative told me they couldn't find the account, and by the way it doesn't appear on my banking statements, doesn't appear to my online portal, and frankly doesn't exist. 

In addition, my account was charged {$3.00} the past four months. And since the account earns no interest, every time I transferred to another bank, they will charge me another {$3.00} fee. 

How remarkably terrible customer experience and poor service.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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 Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress these violations.
Product: Mortgage

We closed on a refinance for our loan on XX/XX/XXXX, and the loan funded on XX/XX/XXXX. At that time we had {$2400.00} in our escrow account. I have contacted the mortgage lender three times in regards to our escrow account refund. I have received different information during each phone call, and no one can provide me confirmation that our money has been sent to us. 
1st phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX and that I must wait 20 business days. No additional information was offered. 
2nd phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX ( different information ). They offered to stop processing on the first check and mail a new one. My request to send the check using a tracking number and XXXX  or XXXX service was denied, and I was told that is not possible. 
3rd phone call XX/XX/XXXX - I was told the second attempt check was sent on XX/XX/XXXX. I was told that it could have been sent with a tracking number with XXXX  with no explanation as to why I was refused that option the last call. I requested an email confirmation stating the escrow account refund check had been issued and was informed that the only confirmation was looking at my account activity on the website. Email confirmation was refused. 
Information during each phone call has been inconsistent. The company can not offer suitable solutions or explanations to resolve the issue. It has now been 46 days since our refinance funded to PennyMac Loan Services, and we have not received our escrow account refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, 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, credit repair services, or other personal consumer reports

I had a hard inquiry on XXXX XXXX 2017 on my credit report from XXXX XXXX, which I had no business with. I believe they did that just because I was shopping around for internet options and I did n't even get service from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was called from a representative stating they were from XXXX and there was a potential fraudulent transaction on my XXXX XXXX  account for a XXXX XXXX since I did not make that transaction, i pressed the number and transferred me to a " supposed '' XXXX security employee who had me download a remote access app XXXX  so he could help secure my XXXX from financial fraud on my Bof A account, he then accessed my phone remotely and said that he would make XXXX transfers in the amount of {$990.00} dollars, {$990.00} dollars, {$1400.00} dollars, and {$1400.00} dollars. The transfer was to the attachment XXXX XXXX YOU, and the XXXX rep said that it would get reversed and then my phone and Bof A account would be completely protected from any future fraud. he basically convinced me that my phone had been compromised and that i needed to protect it and my B of A account and the way to do that was use this app and he made transfers from my B of A checking account via XXXX into this anonymous account and he promised that it would be reversed right away and then I would be protected, but then I had been getting bad vibes from this, and finally hung up and called my B of A bank and asked what they were seeing, and I was expecting them to say that the charges were reversed by XXXX, but they said no these charges are real. The XXXX agent had authorized everything on my phone remotely and I personally did NOT authorize any of these transactions but i was allowing him access to my phone remotely b/c i thought he was from XXXX. So B of A  was able to catch the fourth XXXX transfer in time of XXXX dollars and that was immediately refunded and erased. the other three payments of XXXX dollars x 2 and XXXX dollars x 1 went through and they said to open a fraud claim officially with B of A and I did. REcently B of A contacted me and said that they do NOT think they can refund me b/c i authorized and did these transactions on my phone, but in actuality it was NOT me, it was the XXXX person accessing and doing it all remotely on my phone, HE was doing this fraudulently typing in all of the info, NOT ME, he had access and did all this, thus i strongly feel that i should be covered by B of A and refunded from this fraudulent claim into my account. Please help. B of A has not been helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act LVNV FUNDING LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}