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

According with the law FCRA section 605B is illegal to report anything on my credit report with out my permission please remove this negative item thank you self lender report late payments on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

This complaint concerns credit card FRAUD by both Capitalone Credit Cards and XXXX video streaming. Back in XX/XX/XXXX I had XXXX service, at XXXX XXXX/mo. and cancelled it as of that month and the charges stopped at that time. Suddenly in XXXX ( caught in XX/XX/XXXX ) i start seeing XXXX  again, now {$9.00}, charged to my Capitalone credit card. I report this fraud to Capitalone and so they cancel and replace my card with a new one AND a NEW CARD NUMBER, start an inquiry, and credit the two {$9.00} charges. Then SOMEHOW, THEY GIVE my now NEW CREDIT CARD NUMBER to XXXX, and the charges begin again! Finally I have to request that Capitalone BLOCK XXXX from charging to my card. That was last year and the charges ( and DAILY XXXX emails for me to fix my payment account ) finally stopped. Now AGAIN, this month, XX/XX/XXXX, XXXX has started charging this new card number again, and Capitalone is allowing it again. These two companies should be stopped and fined.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. Being that this debt was recently purchased, there is no prior course of dealing pursuant to the XXXX XXXX XXXX. XXXX. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.
Product: Credit reporting or other personal consumer reports

Collection account is appearing on my credit report, reached out to the reporting agency, they provided the collection agency number, contacted the collection agency but they do not have the account. 
Debt collection is for XXXXcollection agency is XXXX  management company XXXX Acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and seen XXXX XXXX I've never had an account with this credit card company the account was fraudulently opened under my name
Product: Debt collection

I have communicated XXXX with a XXXX XXXX XXXX at XXXX XXXX XXXX on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.
Product: Mortgage

Wells took my home in a illegal Short Sale. Which was a Conflict of Interest.
Product: Money transfer, virtual currency, or money service

paypal put a permanently limitation on my paypal account without a reason, and they won't help me to reinstate my account. Anyway, they told me that I can withdraw the balance after 180days limitation passed. I found that the balance on my account was gone. Based on the record in my recent activities, it says there is a amount of {$1600.00} has been transferred to paypal due to so called damages caused. Well, I contacted paypal for help, but no one can tell me the exact reason behind all this. I didn't receive any notification about this transfer, and this transaction didn't get my approval and authorization. I feel this is illegal and that's why I report this to you, and wish you can help me out. The email linked to my PayPal is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. 
The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
Product: Credit card or prepaid card

My truck was totaled. My insurance carrier arranged that I receive a rental car. I went to the merchant XXXX XXXX XXXX and they required that I give them a credit card to reserve {$30.00} until the insurance company issues payment to them. My insurance company investigated my insurance claim total loss. My insurance carrier found out that the person that totaled my truck was uninsured. At this time, XXXX XXXX XXXX charged my credit car {$3300.00} without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report in light of the recent lawsuit involving Equifax, which I came across in my research. I believe the information in question has had a significantly negative impact on my creditworthiness, potentially hurting my chances at securing credit. As part of my efforts to improve my credit standing, I previously submitted a dispute regarding certain accounts listed on my credit report. However, I received a response stating that the accounts were verified, despite my belief that they may not accurately reflect my credit history. After reviewing the lawsuit involving Equifax, I feel that the verification process may have been flawed or incomplete, leading to these accounts being incorrectly reported. Given the negative impact these accounts have had on my credit score and financial opportunities, I am requesting that these accounts be removed from my credit report as soon as possible. I believe that the verification process in question may not have been fully compliant with the standards set forth by the law, and therefore, I am requesting that the CFPB intervene and assist in ensuring the accuracy of my credit report. Thank you for your attention to this important issue. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I WORKED HARD BY PAYING THESE OFF ACCOUNTS MONTHLY BUT THEY ARE REPORTING ME LATE. THAT IS UNFAIR!!
Product: Debt collection

Debt reported on credit stated I opened a account in   XXXX  .
Product: Credit reporting

My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
Product: Credit reporting

I paid an account with XXXX XXXX XXXX. I submitted the paid receipt to Equifax ( attached ) and they left the balance on the account. This is a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

I initially sent a sepa transfer to coinbase on XX/XX/XXXX which they had received no problem they contacted me 7 days later stating that their was an issue with the sender being a third party source which was not the case as it was my bank account sending to my coinable account. on XX/XX/XXXX i received a email stating the money will be sent back to the sending account until this day i have not been contacted by coinable to get this issue resolved. i have sent them everything they need in order to refund the money to my account yet nothing has been sent and no response has been given to a number of emails. the amount was XXXX GBP.
Product: Debt collection

I received an email from Columbia Debt Recovery LLC, dba Genesis ( XXXX via XXXX ), on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. 

The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to RESIDENCES AT THE TRIANGLE. We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. 

I requested the details of this debt, in writing by certified mail on XX/XX/2023. USPS tracking shows the mail has been delivered but the return receipt has not been sent back. I have also not received a response to this letter.
Product: Credit reporting or other personal consumer reports

tried to change phone number on online account profile four times, never worked. Reported problem to experian. Got auto emails and no assistance with correcting incorrect information on my " credit account ''. The online account management is not working. The experian customer service is just an auto reply garbage collector. It is a crime that the credit reporting agencies ( experian ) can suck up all information about you, but can not manage or protect it. Oversight and regulation and penalties for mismanaging critical personally identifiable information is sorely needed. Credit information these vampires collect directly affects your ability to get credit, your job, and your insurance. still waiting for assistance beyond an auto email saying experian says " try again ''. XXXX and XXXX can do the job, why cant experian?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I alerted American Credit Acceptance of an inquiry that I did not recognize and requested that they validate the inquiry. They sent me a one letter response on their company letterhead advising that it was authorized. In addition to this, they advised in the letter that they attached documents, and enclosures and there weren't any. I sent then another letter XXXX XXXX. I am demanding a reivestigation into this matter, and for American Credit Acceptance to send me the documents as requested with a wet signature authorizing them to pull my credit. If they can't REMOVE THE INQUIRY IMMEDIATELY!!
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 agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.
Product: Credit reporting or other personal consumer reports

Please remove the following account on my report related to identity theft. I have filed my identity theft properly and transition has helped me in removing all fraudulent accounts on my report but one was missed in error | ask that this last collection account be removed along with the following inquiries. 
FRAUDULENT Transunion Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from a group called Sunrise Credit Services. XXXX XXXX XXXX ( XXXX ) dated XX/XX/2020, supposedly seeking to collect on XXXX $ owed to XXXX. 

XXXX actually took the money directly out of my account. ( It's a charge that I dispute, for equipment that was taken by a technician during a repair last year. I therefore could not return XXXX XXXX equipment when I moved recently - since XXXX already had the equipment. However, it has been paid, against my will. ) I am filing this to document the fraudulent letter from Sunrise Credit Services , Inc, claiming that I needed to call their automated phone payment system at XXXX, and that they would report the account balance to one or more national credit bureaus by XX/XX/XXXX.
Product: Student loan

Navient systematically and illegally failed borrowers at every stage of repayment which led to lawsuits. They have falsely put 4 separate inquiries on my credit report and have docked interest on every one of them which has caused my credit score to  dramatically lower which stops me from financing a home for my family. On XX/XX/2016 there was an amount of {$6000.00} which is now {$6800.00}, Also on XX/XX/2016 there was an amount of {$3500.00} added to the report which is now at {$3800.00}. On XX/XX/2016 there is an amount of {$660.00} on the report which is now {$730.00} and another report on XX/XX/2016 of {$500.00} which is now {$530.00}. My graduation date was XX/XX/2016 which would make this information incorrect due to the fact that repayment would not take place until after the graduation date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. XXXX has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) JXXXX 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 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 financial loss.