23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This company negligently allowed my credit card account ( ending XXXX ) data to be exposed to online criminals. Whereas the account was attacked and approximately {$700.00} USD was fraudulently charged. 
The card held a {$0.00} balance at the beginning of the year 2022 and fraudulent charges were made in the month of XXXX and continued into the month of XXXX. 
I notified the company 's fraud department of the incident and a new credit card was issued. However, after review of the card 's dashboard, fraudulent debt was transferred to the new account and additional fraudulent charges are present. 
At this time, company is refusing to allow me access to a detailed report of charges dating back to the beginning of the year- which would prove that fraudulent activities occurred. 
They are expecting payments on a current balance of {$350.00} So far, the company 's appears to be giving me runarounds and disconnecting calls.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT Accounts and XXXX increase off my credit profile from Experian XXXX and XXXX XXXX immediately! 

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

There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.
Product: Mortgage

I signed up for a loan with Amerisave, I decided the very same day, saying I no longer wanted to loan and requested my {$500.00} back for a fee I wasn't fully sure what it was for. They rejected and said the fee is non-refundable, then continued to pressure me to give them my loan estimates from other comapnies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.      XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   PRESTIGE FINANCIAL   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

I am filing a complaint against Block , Inc., the parent company of Cash App, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2700.00} ; XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase notified me XX/XX/18 that my account was being closed due to a policy violation. I was told multiple times that they would not disclose why my account was being closed. I had not logged into the account or performed any actions within the last year or two so I initially thought it was a scam. After going through weeks of attempts at verifying my identity and regaining access, I realized it was not a scam. 

I am being allowed 3 days to remove my funds before they lock my account again and keep my assets. I have protested four times that they must extend this window as it is impossible to create and verify a new wallet and also because they are preventing me from sending funds due to " security restrictions '' related to the recent lock and unlock of my account. They have only replied to say that my account was closed because of " either : resetting the password, logging in to an unknown device, or connecting to VPN that changes the IP address. '' which I have done none of. 

My funds were not available or accessible to me for the last month and are still not available for withdrawal. I fear I will be locked out of withdrawing them before I am able to and that I will lose all of my assets held with them.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX  Opened XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}
Product: Mortgage

XX/XX/year> Changed the Homeowner Insurance ( Property Insurance ) from XXXX XXXX to XXXX XXXX. Provided the documents : ( 1 ) Cancellation letter from XXXX XXXX. 
( 2 ) Policy Declarations from XXXX XXXX. 
( 3 ) Evidence of Property Insurance from XXXX XXXX. 

XX/XX/year> Received letter from PennyMac, stating " Thank you for providing evidence of XXXX insurance. We have updated our records to reflect this current information. '' XX/XX/year> Before this date, I received the first notice to provide the insurance information. I called the customer service. As per their instructions, I uploaded the documents to XXXX on XXXX occasions XX/XX/year> & XX/XX/year> I called the customer service again, and had conference call with the agent of XXXX XXXX to verify the validity of Insurance. 

Also uploaded the document in messaging service on their website. 

XX/XX/year> Received letter from PennyMac stating " Second & final notice- please provide insurance information. '' Otherwise threatening that, they will buy insurance for the property on my behalf. 
I checked my account online. The insurance information is not updated.
Product: Debt collection

2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. My hospital stays were discounted by 90 %. I never received bills by the original doctor office so that I could provide them the charity letter from the main hospital. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. The 2nd acct says date opened XX/XX/XXXX, then first reported just a few months later. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. I would like to have this removed as this is a ball of who shot john. Also remove all personal information from your databases.
Product: Checking or savings account

XX/XX/XXXX I opened a company account at East West BankAccount nameXXXX XXXX XXXX Account numberXXXX Account XXXX Account opening XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX When opening an account, I told the account manager XXXX that I need to open Premier Online Bankingbut After account openingHe opened the essentials of online banking for meI have repeatedly requested to open a Premier online banking for meHe kept perfunctory me XX/XX/XXXX I received a {$2500.00} wire transferWire transfer from a strangerThis stranger lied to meHe changed money with meThen charge back this wire transfer After receiving the {$2500.00} wire transfer i want Withdraw nowbut essentials online banking like XXXX, i need Manual Fill in the remittance slipand XXXX Very slow processing speedso XX/XX/XXXX I can not withdrawand next day this stranger charge back {$2500.00} wireLater I sent all transaction documents with this stranger to XXXXThen my funds are heldThen i waited till now XX/XX/XXXX I open another company account Account nameXXXX XXXX XXXX XXXX Account numberXXXX Account XXXX Account opening branchXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX is the best bank manager I  have ever metHe is very attentive My account has been working normallyuntil XX/XX/XXXX XXXX XXXX told me their branch needs to close my accountXXXX & XXXX XXXXBecause of another accountXXXX XXXX XXXXHe feels very sorryThen tell me Account balance Will wire it to meI just want to say  XXXX Everything is fineHe is a great banker Then I call customer service XXXXCustomer service is transferred to this branch XXXXThey told me XXXX XXXX XXXX Has been closedAnd the check has been sent to my address XXXXbut I have not received any account closure notices Including email and callThen I asked for the check to be cancelled immediatelyAnd mail it to my US addressThis manager told me that can't cancel the checkOnly wait for the check to be returned and mail it againI ask why? He is perfunctory and bad attitudeVery bureaucraticThe attitude of this branch is like XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Huntington Bank. Please help my get these off my credit report.
Product: Debt collection

XXXX XXXX XXXX  sent my credit profile into collections for a phone i never applied for. The address used to obtain the phone in question was not my address. I had no prior knowledge of the debt until it was on my credit report. I cant get any information from XXXX XXXX XXXX  because i dont have the pass code for the account.
Product: Debt collection

Only XX/XX/XXXX, I received a notice from the police that Ratchford Law Group was taking legal action against me about a debt. The document refers to a judgement, which I was never made aware of. I never received a court date, nor did I ever receive information stating a judgement was made against me. I have 100 % on time payment history and XXXX judgements or collection attempts as of XX/XX/XXXX, as listed on XXXX, and I monitor my credit routinely. 

On the same day that I received the notice from the court, I also received a letter from Ratchford Law Group which listed false information about me. They claim that I made a payment to them on XX/XX/XXXX, which never happened. I have no idea who Ratchford Law Group is, nor would I give some random law firm money without hearing from a judge. In this letter they did not provide any information about this alleged payment, which in my eyes was either completely forged to attempt to misrepresent me to the court, or to try to intimidate/confuse me. It is completely illegal to try to fabricate information about somebody's finances and their actions are violating section XXXX XXXX and XXXX of the Fair Debt Collection practices act. 

My credit report will also list that around the time of the alleged payment I made to this law firm, I had just got a car financed an opened a new credit card, because I was moving to a new residence and was literally rolling quarters together to get first and last months rent for my new landlord, so it makes no sense that I would send money to some random law group claiming there was some wrongdoing on my part while I had just reached a credit score over XXXX. It makes no sense how they claim they " offered me a payment plan '' and that I recently sent them money in the same letter. 

I am filing this complaint and notifying the court that I have made the CFPM aware of illegal actions being taken by Ratchford Law Group to try to get judgements from the court.
Product: Credit reporting or other personal consumer reports

There is a XXXX  XXXX credit card showing on my credit report as of today XX/XX/year> and wasnt reported by XXXX  XXXX as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. Experian lied and stated that XXXX XXXX reported it to my bureau when investigated they had not. So Experian made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.
Product: Money transfer, virtual currency, or money service

Venmo suspended my account in early XXXX saying I violated their acceptable use policy but they won't provide me with how I did that. They are asking me to share with them a copy of my driver 's license which I am refusing to do because I see them having that along with my banking information as a recipe for disaster. Especially since they are not disclosing why my account was suspended to begin with.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX  account # XXXX days late on XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX XXXX Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX XXXX without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant XXXX Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account.

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/18 I submitted a dispute/ claim ref # XXXX with Chase Bank for two unauthorized transactions. I personally contacted the merchant and Received email confirmation from XXXX XXXX ( merchant ) on XX/XX/18 that the disputed transaction would be refunded to my account. I provided chase with their contact number XXXX/XXXX-XXXX to verify the facts. Chase sent me letter dated XX/XX/18 stating they allegedly researched the dispute and that no error occured so they would be reversing the temporary credit out of my acct. On XX/XX/18 I faxed chase claims dept the attached letter providing them detailed info to verify so they dont take the $ back. On XX/XX/18 Chase withdrew the funds back out of my account leaving me in a negative status then proceeded to charge me overdraft fees. Chase obviously never investigated anything. I Spoke to XXXX on XX/XX/18 he states I failed to Provide them with documentation that I dont owe the funds then proceeded to state how they cant accept my letter. This is absurd. They have full knowledge the action they took is wring and are avoiding their responsibilities. I did my due diligence and am now being harassed by their collection dept. For money they actually owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My US Bank Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Product: Debt collection

On XX/XX/XXXX I sent the attached request to XXXX and Affirm and they have not responded or corrected the amounts.