23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the 2nd time a collection agency has attempted to collect debt from me for a phone service that isn't mine. I have never been a XXXX customer. The first time was XX/XX/XXXX with XXXX XXXX and now Diversified ADJ SVC is claiming to collect money. The amount is for {$2200.00}. 

I didn't even get any mail or emails from this collection agency stating I owe anything, it just showed up on my credit report one day. It was opened on XX/XX/XXXX but I didn't get a notification until early Nov with XXXX XXXX I tried disputing it with XXXX credit report dispute on XX/XX/XXXX and they said I needed further investigation. 

The original Creditor name is XXXX XXXX listed on my credit report. 

How do I resolve this so it does not happen again?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned  permissible. Please remove them. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXXXXXX XXXX, IN Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of all three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, XXXX, and Equifax. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING SEVERAL ACCOUNTS WITH EXPERIAN AND XXXX FOR OVER 6 MONTHS YET I CONSTANTLY KEEP GETTING UPDATED " RESULTS '' WITH NO CHANGES OR PROOF OF AN ACTUAL INVESTIGATION. THESE ACCOUNTS THAT I HAVE REPORTED TO THEM ARE IN FCRA VIOLATION AND NEED TO BE DELETED FROM MY CREDIT REPORT. I HAVE SENT DISPUTE LETTERS WITH ATTACHED PROOF OF THE ERRORS YET THESE ACCOUNTS REMAIN.
Product: Credit card or prepaid card

Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX my Chase credit card was fraudulently used for purchases. Over {$9000.00} was spent at two businesses. 

The charges were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX On or about XX/XX/XXXX I logged into my Chase account and noticed the fraudulent charges. I reported them that same day. Chase took quick action and closed the account, issued me a new number and sent a replacement card. They also credited the total fraudulent amount. 

I assumed this was the end of it, until this month when they have re-charged my account for the fraudulent amount with zero explanation. When I call Chase to discuss, they tell me that can not give me any information and that I can not call the fraud recovery department directly. I have received no additional information or correspondence about my fraud claim from nor was any additional information ever requested from me. I can get no other information from them and it sure seems like they're trying to make me responsible for this theft. I have attached the only correspondence about the issue I have received from Chase to date. 

This is a card that is almost never used and their fraud prevention should have obviously flagged the first transaction for {$5500.00} before it was fully charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last month to contact Equifax. 
I call the dispute department and answer the questions. It says they can not verify my identity. I tried to contact them online, I answer all questions correct. It tells me to call them. I have mailed the documents, State ID, 1099, copy of bills etc to them. I have never heard from them. I have heard from XXXX and XXXX but I can not get into my account or contact equifax in any way. I answer all questions correctly yet it gives me an error message. I have a new cell phone number and I am trying to correct it on my credit report and on my fraud alert. I have no other means other than to write to them with documents. Yet I can not contact them. I am stopped. THey have someone's number right now and they do not have the correct phone number to contact me for a fraud alert. How do I contact them? Nothing works, not online, not on the phone, not by mail. 
Equifax Information Services LLC. XXXX  XXXX XXXX. XXXX, GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two items on TransUnion need correcting. 
-18 months of rent reported to TransUnion from XXXX. TransUnion did not record information correctly on credit report. 

-Multiple credit inquiries ( all within 30 days of each other ) due to shopping for best mortgage rate, caused my XXXX score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was paid off XXXXmy credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at XXXX ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance
Product: Credit card

On XX/XX/XXXX a payment in the amount of {$24000.00} was applied to my account. As it turned out, the account information that was provided was bogus. American Express knew on XX/XX/XXXX that the payment was returned insufficient. It was not until XX/XX/XXXX that I was informed that there was a problem with the payment. I relied on the information shown on the American Express app to make important financial and personal decisions. Although American Express knew on XX/XX/XXXX that the payment was insufficient, they did not change other areas of their app to reflect the erroneous payment. American Express XXXX assured me on XX/XX/XXXX that the payment was posted and had been marked paid.
Product: Debt collection

I am writing to request your help. My rights as a consumer are not being respected. I tries to solve this issue with Wells Fargo in the past but they keep on reporting a fraudulent item to the credit bureaus. The account I am talking about is the following : WELLS FARGO DEALER SVC # XXXX. Date Opened XX/XX/XXXX. Original Balance {$11000.00}. Status : closed.

Wells Fargo received a letter from me back on XX/XX/XXXX ; in which I requested the lates that are consequence of FRAUDULENT CHARGES to be removed. They did not send me any notice and they are still reporting the item. They are committing multiple violations to the FCRA : negligence, unfair business practices, breach of contract, incorrect credit reporting.

This situation is affecting my mental health in a huge way. I am demanding a deletion letter from Wells Fargo so the lates on this account get removed from my credit report. If Wells Fargo fails to provide the deletion letter, I will not hesitate and will file a lawsuit. I am sure that one I talk to my attorneys ; the list of violations will go up.

Attached letter sent to WF, which they ignored.
Product: Credit card or prepaid card

Summary : My credit card Citi XXXX XXXX has authorized XXXX to charge me for a service/product that I did not authorize, and that XXXX did not provide, and will not provide. 

Details : Several years ago I set up a placeholder website with XXXX, using their domain registration and hosting. 

Their domain system failed to renew the domain in XXXX of XXXX, meaning the hosting was not useful to me. 

XXXX attempted to process the payment on XX/XX/XXXX and it failed, as it SHOULD HAVE because there was no valid card associated with that account. 

Later, when looking at my credit card statements, it became clear that XXXX had associated a credit card/payment method, Citi Double XXXX XXXX XXXX with that subscription and charged it *without my authorization*. 

I contacted my credit card provider Citi XXXX XXXX XXXX to notify them that this was not an authorized charge. I filed a dispute, but given the retardedly over simple method of their mobile application, with only a handful of multiple choice options, I was unable to clarify the problem fully. 

They decided with XXXX  that the charge would be honored. 

XXXX collected {$220.00} for an annual hosting plan. 

XXXX was NOT authorized for that purchase. 

They will not provide or honor that hosting plan. I was charged for a product I did NOT authorize, and did NOT receive. 

This is unjust.
Product: Credit reporting

The Ohio Attorney General submitted correspondence to remove XXXX State Liens from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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.

Furthermore, 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 account.

( 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.

Furthermore, their dispute resolution proce 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am re-opening claim XXXX as HSBC continue to owe me the {$370.00} promotional bonus. According to their letter " you will see the promotional bonus reflected in your account within 4 weeks, provided the account remains open and in good standing ''. It has been 4 weeks and 1 day since XX/XX/XXXX and I don't see the money in my account. The account is open and in good standing but they don't do what they promise, so I decided to seek CFPB help again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2018 about four amounts on my credit report file, which do not belong to me. The bills are from XXXX XXXX XXXX  . I asked Equifax to remove the amount from my report because the did not belong to me. Equifax told me they will investigate and they did not do anything. I called again on XX/XX/2018 about the same problem, it has still not been taking care of. Today XX/XX/18 I called Equifax to remove the four collections from XXXX  on my credit report and they refused to remove the charges on my credit report.
Product: Credit reporting or other personal consumer reports

Two late payments are reported that are false on my credit report I been trying get it removed they dont want to
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681b - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed some late payments on there from XXXX XXXXXXXX. Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXXXXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.
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 violate the Customer 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. Furthermore, 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 for these violations.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ( 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, credit repair services, or other personal consumer reports

Today was my last phone call attempt to resolve this with TransUnion before filing complaint. Once again, I was lied to with FCRA guidelines blatantly being disregarded and ignored. 
For the past twelve months I have tried and been unsuccessful in attempting to have TransUnion comply with FCRA guidelines, section 609. I have sent letters and faxes that have gone unanswered and have been ignored. When I call I am fraudulently told that Inquiries can not be disputed and that they are factual. Per FCRA 609 this is a lie. I am also told to file FTC report and only then will the inquiries be removed. I have filed FTC report and mailed to TransUnion via certified mail. TransUnion has placed fraud alert on my report but has refused to remove the inquiries and claim they have not received FTC report despite them being mailed certified mail. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no permissable purpose with no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. TransUnion blatantly ignores the FCRA guidelines and is blatantly violating FCRA and my consumer rights. Furthermore, I have contacted the businesses in question ; I am told they were never contacted by TransUnion, I am told they can't find an application or authorized signature from me and they tell me to contact TransUnion. Then TransUnion gives me complete runaround. For TransUnion to lie and say inquiries can not be disputed, to claim they have not received FTC report but to place fraud alert on my report is blatant indication that they have no regard for the law or consumer rights. Per FCRA, I am allowed to sue for monetary compensation should I pursue legal action. I demand that TransUnion comply and remove the unauthorized and inaccurate inquiries on my credit report.