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

On XX/XX/year>, I submitted a dispute to Experian requesting the immediate blocking and removal of fraudulent accounts under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). My submission included : FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ). 
A notarized affidavit affirming identity theft ( dated XX/XX/year> ). 
Government-issued identification ( passport and Social Security card ).

A list of fraudulent accounts to be blocked. 
On XX/XX/year>, Experian received my dispute ( confirmed via XXXX certified mail tracking ). However, instead of complying with FCRA 605B, Experian responded on XX/XX/year>, stating : They would not block the fraudulent accounts, falsely claiming : The request was made in error. 
The FTC Identity Theft Report was not filed with law enforcement, even though FCRA 605B does not require this.

I may have benefited from the fraudulent accounts, without providing any evidence. 
They would take up to 30 days to investigate, which violates the XXXX business day requirement under FCRA 605B . 
They requested additional identity verification, despite already receiving a government-issued passport and Social Security card XXXX 
On XX/XX/year>, I sent a second notice demanding compliance with FCRA XXXX, explaining that Experians refusal to block fraudulent accounts violates federal law. I also challenged their baseless claim that I benefited from the fraud. 

Under FCRA 605B, Experian was required to : Block fraudulent information within XXXX business days of receiving my FTC Identity Theft Report. 
Accept an FTC Identity Theft Report as sufficient proof, without requiring a police report. 
Immediately remove fraudulent accounts once identity theft is confirmed. 
Experian failed to act within the legal timeframe, unlawfully refused to block fraudulent accounts, and delayed the process with unnecessary document requests. Their actions are in direct violation of FCRA 605B.
Product: Checking or savings account

In XX/XX/XXXX I deposited my XXXX bonus check from XXXX XXXX regarding my XXXX contract. The check is of {$16000.00} Date on it is XX/XX/year> and is void after XXXX  days. 
This is check from XXXX XXXX XXXX XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Check number XXXX This is very urgent because I have to buy XXXX worth of tools for aircraft maintenance and couple XXXX for relocating and buying a car. The bank in question is Ally
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep asking me to pay XXXX... i paid them couple of times... the transaction is clear in my XXXX  then they ask me to pay again... .i transfer now in XXXX  because my account got takeover by someone since XX/XX/XXXX then i just transfer in XXXX  last mid of XXXX ... since that day someone tryng to withraw my money using by phone call then use a check to send it to XXXX XXXX XXXX i filed a report to police... this really bad experience ... my creditscore got low pretty badly because of them ..im trying to get my score high to get a loan for a personal car for work
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

This debt is not mine and I was given no evidence of this being valid. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   XXXX
Product: Debt collection

XXXX credit bureau has a medical bill in the amount of {$1100.00} that is not mine. I have disputed this issue ( 3 ) times with no response. My last dispute the credit bureau responded stating that the information was vertify.Credit file # XXXX. 

I call the collection company : Designed Receivable Solutions. This bill was orginated at XXXX XXXX XXXX in XXXX, XXXX  in XXXX. I left XXXX in XX/XX/XXXX and moved to XXXX. I never used XXXX XXXX. I am a XXXX. I know that there are ( XXXX ) other XXXX  with the same name. I discovered this from the XXXX registry. The collection specialist vertifed all my information. She stated a mistake was made that the bill is not mine because there is a different birth date on the bill. She instructed me to submit a dispute to FTC.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Immediate Refund for Undelivered Order Dear XXXX XXXX XXXX XXXX, I am writing to formally request an immediate refund for a computer system purchased for my grandson. The purchase was made under XXXX ID XXXX, with XXXX XXXX XXXX. According to the tracking information, the package was marked as delivered on XX/XX/year> ; however, I did not receive the package at my address. 
I have taken the necessary steps to resolve this issue, including confirming with neighbors and checking all potential delivery locations at my residence. Unfortunately, the package remains unaccounted for. To further substantiate my claim, I have filed a police report, which I have attached for your reference. 
Given these circumstances, I kindly request a full refund for the undelivered product. I trust that XXXX values its customers and upholds its commitment to ensuring satisfactory resolutions for issues such as this. I would appreciate a prompt response to this matter, as the intended recipient of this gift is eagerly awaiting the computer. 
Please let me know if any additional documentation or actions are required from my side to expedite the process. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX
Product: Prepaid card

There were no fees associated with this account for over a year and I had stopped using it often. On XXXX XXXX I then noticed that I was being charged a monthly fee that began in XXXX 2016. I was not notified of this change and I did not agree to be charged a fee. If I would have known about the fee I would have closed my account in XXXX. I requested a credit to my account from AmEx Customer Service and was denied by a XXXX level manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Creditor : XXXX XXXXXXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX EQUIFAX : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive requested information on several different dates and have yet to receive a response from XXXX XXXX and no response has been received. Ive disputed the amount numerous times with Experian as to why they have it listed on my credit report when the company shows it as charge off/ write off. I have asked that Experian escalate this matter as I keep getting the run around as to why an account that should be deleted with no balance still reflects my report and lowering my score with no explanation. Experian is the most difficult Bureau to resolve matters with and everyone wants to pass the ball. The staff should be replaced and get people who have empathy for other human beings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I am filing a complaint for equifax as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.
Product: Credit reporting

Reported that XXXX XXXX XXXX XXXX and XXXX loan service are both listed as the the creditor on my credit report this can not be. Please help me with this issue as EQUIFAX said that this is correct and investigation is complete and correct. Thank you so much.
Product: Credit reporting or other personal consumer reports

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive, as it did not adhere to the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant inconvenience and financial loss, and I am seeking appropriate redress.
Product: Debt collection

I had been a XXXX wireless hotspot customer for over 8 years as of XX/XX/2017 ( see Attach # 1 ). I experienced service quality issues including an unexplained account number change ( See Attach # 4 and # 5 ). I found that XXXX offered a better product, 10GB of wireless hotspot service for {$10.00} a month, compared to the {$50.00} a month for 5GB that XXXX charged. I decided to switch providers. 

On XX/XX/2017 I called and spoke to a XXXX representative. I asked her to email me so I had her contact info to confirm our conversation ( See Attach # 2 ). I asked for my final closing balance on my XXXX account and then I asked her to close out my account. I was advised that the closing balance was {$91.00} and that my account would be closed. I paid the amount and XXXX deducted the payment from my XXXX XXXX XXXX XXXX ( XXXX ) account four business days later on XX/XX/2017 ( See Attach # 3 ). 

I believe that the unexplained account number change may have contributed to any posting issues related to my final payment. All further contact with XXXX confirmed that my account was closed. When I went to their website it advised me that it was closed. If I called them, I was told I no longer had an account with the company and there was no invoice to pay. The {$53.00} amount ( See Attach # 4 ) they later sent to collections was either in error or would have already been included in the {$91.00} payment I made to close out the account. 

I paid the collection company the {$53.00} again to stop the dispute notices, and I filed a dispute with the XXXX  credit agency ( See Attach # 5 ). The bill was sent in error on an account that could not be accessed, for a service that was no longer being provided or used.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to Transunion requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from Transunion or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time.Transunion is not holding up to the law by not responding with my investigation results within a reasonable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many hard inquiries on my credit report. I have been shopping around for a mortgage. I verified we have 45 days to shop around from the first inquiry that we make and it wont affect our score however each time I shopped around in the same day I had four hard inquiries added to my report. This was just on XX/XX/XXXX. I also noticed two years ago XX/XX/XXXX we were looking for financing for an auto loan and there are three hard inquiries on the same day in XX/XX/XXXX when we were shopping for financing for the auto loan. This should not be happening these are clearly errors can this please be corrected?
Product: Checking or savings account

This is the same guy who had an cashapp account since XXXX and Im a loyal customer and therefore I didnt do any wrong activities to go against cashapp terms of service. And I tried to demonstrates to the appeal Apartment that I wasnt in possession of my account with my account got compromised and did the fraud transaction Not giving me a reason to give me a second chance to have my new account reopened and basically ignored my consumer complaint and rights and when they investigate and says that they found a term that violated my first account, They refused to tell me because how am I supposed to know what type of term of violation that I violate, even though I was an possession of my account at that specific timeframe. And they know it too. I gave them the location when someone logged into my account and they still claim that it lacks evidence.
Product: Credit card or prepaid card

This charge account was set up without my knowledge. I have call them and explained the situation but it still remains on my report. Account info:

SYNCB/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CHARGE
ACCOUNT
Date Updated:  XX/XX/XXXX 
Payment Received: $  XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff: $ XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   >Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX  for $ XXXX <
High Balance: High balance of $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $  XXXX   from   XXXX   XXXX  o  XX/XX/XXXX ; $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to   XXXX   
Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX       XXXX    XX/XX/XXXX  N ot mine and I have never been late. Please have  XXXX  and  XXXX  have this removed ASAP>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iiXXXX ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.Lexus nexus, Trans union, XXXX and XXXX has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in XXXX days with a copy of all XXXX reports showing the removal according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been battling with Experian since XXXX regarding the bankruptcy they're reporting. 
At first they claimed that XXXX XXXX was the furnisher of information regarding bankruptcy. 
XXXX XXXX deleted bankruptcy. I brought that to Experian 's attention. Then Experian claimed the Courthouse gave them the bankruptcy information. I sent Experian a copy of letter from both the Courthouse and XXXX, both stating that they do not report to any consumer reporting agencies nor do they confirm bankruptcies. Furthermore, due to privacy issues no one 's full social security number is ever listed in XXXX therefore making any supposed bankruptcy unverifiable. When a disputed item is unverifiable it must be deleted by the credit bureau. 
Experian has basically committed fraud by switching up who they say the data furnisher is and that bankruptcy has been properly validated/verified. Experian is in violation of the FCRA and my consumer rights.
Product: Checking or savings account

I am filing this complaint against Bank of America due to this business allowing my sensitive data to be illegally acquired by malicious parties to attempt to open a deposit account using my identity. This is called identity theft and Bank of America is facilitating it. I made several calls today, XX/XX/2023 to their fraud department who dismissed my complaint and informed me that I needed to go to a branch with two forms of ID. I will not go to a branch and expect this issue to be permanently resolved without further endangering my life ( about ten years ago, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, they illegally, immorally, and unethically endangered my life by dispatching cops with itchy trigger fingers that threw me against my company vehicle while handcuffed and proceeded to physically assault me ). This is the reason I will NOT step one foot on BOA property. In addition to reporting this facilitation for identity theft to the XXXX, I am reporting BOA to the FCC, FTC, local, state, and federal authorities. 

I requested that my personal data be destroyed when I closed my accounts ten years ago ( clearly this was a lie and deception communicated to me by this bank ). I want this data destroyed immediately and a legitimate proof of destruction. 

I want all impact to my credit report to be expunged from my record. 

I have tried to communicate and work with Bank of America representatives to resolve this, however, they refuse to listen, care, or take action to remediate. Instead, they continue to insult my intelligence and attack me. 

I have spend about 4 hours trying to resolve this issue with Bank of America account representatives who refused to transfer the call to a member of upper management and actively chose to aggravate the situation. 
I am seeking resolution from upper management in 7-10 business days.
Product: Debt collection

I had received package with equipment from XXXX. Service was never connected. And although I never used service XXXX calculated 2 months debt to me. We had back and fourth discussion. Then, I received phone call from debt collector company. I decided to verify with XXXX, but they did not provide me any information weather they collect debt or someone else do it for them. I never received any mail or email from any debt collecting organizations. Now some people who call themself Law Offices of Maury Cobb call me. I simply requested them to send me email to verify that they are indeed collecting debt for XXXX. They denied stating that they don't do that. They told me that they sent me mail, but I never received any mail from them. They lied that they sent me email XXXX XXXX which of cause never happen- I checked my mail box and spam box for entire month of XXXX. Representatives acting rude. People who call themselves Law Offices of Maury Cobb have New York phones and stating that they call from Alabama, don't send any written notices or profs, acting rude and bulling people. That have to be addressed. I checked company online, and it looks like this company involved in whole bunch of fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Cavalry Portfolio Services added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.