23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I SENT A LETTER REQUESTING THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACCOUNTS THAT ARE ON THE AFFADAVIT THAT I WILL ATTACH.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAP ONE AUTO balance {$19000.00} account # XXXX 30 days late on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 a very significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX   XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my equifax report tonight for 2 weeks, but they blocked the unfreezing. There is no 24/7 number to call, just a workday 9-5 number. This prevents me form apply for the loan on sunday that I needed to do
Product: Student loan

I contacted Ameritech Financial in XX/XX/2016 per a piece of mail delivered to me stating they could help me repay my loans and ultimately reach loan forgiveness. I spoke with a representative named XXXX XXXX who walked me through a 2-hr phone conversation in which he assuaged my loan anxieties, stating the company would have me pay rates which would reduce over the course of 10-15 years that were based on my income. I initially paid something like {$100.00} and thereafter have been making payments of {$82.00} for about 2 years. The company led me to believe that my payments were investments to pay off my loans and that the government couldn't really help me like they could. I recently received a letter from the Federal Trade Commission detailing a law suit made against this company. Thus, I am filing this report. I am currently waiting to hear back from Ameritech to cancel my account and demand a refund. The number listed on their documents is no longer in service. I called them using a number on my voicemail ; they had called me on XX/XX/XXXX telling me I needed to sign a contract to approve debits. I did so. I have, up until this moment, felt comfortable with Ameritech because once I settled business with them, I would receive monthly emails from XXXX XXXX XXXX XXXX stating that I owed them {$0.00}. Since gaining this knowledge, I called XXXX XXXX who explained the fraud taking place in the same words as the FTC.
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report with a company I've never been late with and I can't seem to get them to remove it. I was on auto payment and i have 1 30 day late showing up and am not getting anywhere when i try to ask them to remove the late. Can you help me to get this resolved? Anything you can do to help would be greatly appreciated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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
Product: Credit reporting or other personal consumer reports

I need these inquiries removed asap. I did not authorize any of these, I will atatch my ftc report below
Product: Credit reporting, credit repair services, 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, in amount of {$7700.00} 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

DELETE ALL OLD ADDRESSES AND PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation of my credit file because I felt the item was not being reported legally. On XX/XX/year> I received a letter stating the investigation was complete and the following items had been verified. Since Im concern about the practices of credit reporting agencies using service like E-Oscar & Pacer to verify information I need you to please answer the following question : Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. As required by FCRA. 1.Who did you speak with?

2.What was the date?

3.How long was the conversation?

4.What was their position?

5.What number did you call?

6.What is the name of your employee that spoke directly to the creditor?

7.What is the position of your employee that spoke to creditor?

This inaccurate reporting has caused me SEVERE financial and emotional distress & Id like this matter resolved immediately. Please reply within 15 days to the above question or delete the following items. 

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

Credit card account does not belong to me from Wells Fargo, I want to remove this account from my credit report. It is showing up on my XXXX and XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX Called me today claiming I owed a debt from 2007 from of all places as a pay day loan. I do not owe that debt and have never used those services. Total lies. Do not even pick up the phone if they call you.
Product: Checking or savings account

I contacted Navy Federal Credit Union initial in XXXX regarding identity theft claim. Someone opened an account in my name I didnt know until I try to apply for a checking account. The initial claim was denied- no reason given. I appealed my claim providing additional documentation including FTC report and police report. My claim was reopened on XXXX of XXXX. I was advised initial it would take a week and Ill could open account. Next rep said 15 days. So I waited and now there saying they dont know. I asked to be transferred to security department. I spoke to same lady twice advising me I should a response in a day or so. I escalated to her manageXXXX and was advised I would be called back in 24 to 48 hours. No one called. I called again today and demanded that I speak to a manager to get a status update. They stated there was no update and no one was available. I told the rep I was staying in the line until someone was available and the rep stated no and hung up in my face. It forward me to leave a review. This is almost been a month and my last response was 15 days. I am requesting this issue be resolved!
Product: Debt collection

My original debt is with XXXX. They charged me unwarranted early termination fees when I moved from MI to XXXX in 2018. I stayed in an XXXX until I purchased my home XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX did not service my area. I've tried to dispute these charges and they sent the balance to collections ; Convergent Outsourcing , Inc.. I have contacted XXXX to try and pay the balance and was unable because it's sent to collections. I was told to contact Convergent Outsourcing Inc, I did and they are a credit repair company that will only allow me to pay {$190.00} now to remove the collections from my credit reports PLUS {$99.00} per month of service for a 3 month minimum. This is not okay, I do not need their services. XXXX should not have charged me early termination fees until I was at a permanent address allowing me an opportunity to start services at the new address. Because XXXX didn't offer service in my area these charges should be removed. I should not be forced to pay for credit repair services of almost {$500.00} in order to remove the collection of {$290.00} from my credit report. This should be illegal.
Product: Credit card or prepaid card

On XX/XX/2022 I was rebilled for one of the two disputed transactions from a merchant. I was charged 3 times by this merchant when I only had a receipt for 1 charge/estimate. I provided this information to the card company and felt like this was a straightforward case. Not at any time have they asked me for any documents or correspondence. The merchant also stated to the better business bureau that they agreed to refund the charges and they were done by mistake. 

A complaint was opened with barclay 's and instead of resolving the complaint, they rebilled this charge even though they sent me a letter stating I was not responsible for the charges unless the merchant told them otherwise. To date, the merchant has not falsely claimed that I owed more than the XXXX that I have a receipt for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two accounts for student loans with a company called XXXX ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fradulent Activity on my credit card with American express in XX/XX/2021. I submitted a fraudulent activity check and requested for a replacement card. accoding to the American express representatives a card was shipped to me but I never received it or used the card but my account kept on having charges reported on it during this time and American express reported a 30 day late delinquency on my credit report that is hampering my ability to get student loan. I need American express to stop accepting charges on my account and remove the 30 day delinquency from my credit report because that is unfair use of my credit account without my permission and American express is misguiding the credit agencies. can you please help ASAP? my student loan is due in XX/XX/2021. I would appreciate a prompt help and response. I have attached a chat with the American express customer representative who gave me the same response as below in quotes but still kept on charging my account until it was delinquent. I have also attached the fraudulent dispute with Amex and they concluded fraudulent activity was real. 

" Your current Card will be invalid and can no longer be used. For your protection, the last 4-digits of your account number will change. If you have recurring or automatic billing set up with Merchants, then they can continue to use the Card information that they have on file. 
Replacement card ( s ) delivered by XXXX will arrive in a white envelope displaying Amex XXXX XXXX logo. If not delivered by XXXX, it will be delivered in respective couriers envelope for XXXX, XXXX, or XXXX. 
Expect email and mobile app notifications ( if applicable ) regarding the delivery status. ''
Product: Credit card

There are fraudulant charges on my Barclays Bank credit card from XXXX : XXXX XXXXthey were never charged by me or my familyBarclays bank claims that they will look into itthey never looked into it and wo n't credit my money backthis month a similar chage has comeI ca n't get my money back
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BK OF AMER - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report recently and I noticed a lot of fraudulent credit inquiries on my credit report such as, XXXX XXXX XXXX, Capital One Bank, XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Cash App has stolen fund from me and presumably many more victims. 

On or about XX/XX/2021, I attempted to add my Cash App account to my new device but was denied access. Cash App has since then withheld all my funds, without justification or the legal right. They repeatedly had me try the same processes, that have not worked. I have requested supervisors and have been denied, telling me one is not available. I have requested a physical or virtual office to submit my Identification, to be told one does not exist. I have requested any method to identify myself, to gain access to my funds and have continued to be denied. This negligence by Cash App is causing me additional financial and emotional hardship. 

I have received more than a dozen emails and made over a dozen phone calls since XX/XX/2021 and have been given nothing more than a run around, not one method or representative has gained me access to my funds. I desperately need to provide for my family and Cash Apps refusal to grant me access to my funds, further hinders that.

I have requested Cash App release and give me access to my funds, immediately. 

I am an unemployed, single mother that is struggling through a lot of financial hardships. I was loaned money to help pay for my utilities and give my grandson a birthday in the amount of {$220.00}. Cash Apps criminal behavior has further exacerbated my financial distress and has caused emotional distress as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am closing on a house and was informed I needed to unfreeze my Equifax Credit Report ( I had not placed any sort of freeze on that report, nor have I interacted with Equifax Prior to this. ). Earlier this month I downloaded the " Freeze Request Form '' from the Equifax website and mailed all necessary documents and information to their mailing address in XXXX XXXX Texas. To expedite the process I had those documents priority mailed on XX/XX/XXXX. Those documents arrived to the mailing address on XX/XX/XXXX and were signed for. 

That however, did not resolve the issue and I contacted Equifax. Equifax instructed me to fax them a copy of my driver 's license, social security card, and birth certificate to verify my identity. Those documents were faxed on XX/XX/XXXX. I immediately called Equifax informing them that I had faxed all the pertinent information. I was told they would be processed in 3 to 5 business days. I contacted Equifax each day I could to find out if my documents had been processed. I was told to check back on Tuesday XX/XX/XXXX as that would be the latest they would be processed. On XXXX I contacted Equifax and was told my documents had not been received. The agent informed me that she would work to expedite the process and told me to give them a few days and call back on Friday XX/XX/XXXX. The agent provided me a number to call on XXXX and their name. 

On XXXX I attempted to contact Equifax with the number I had received from the agent on XXXX. The number directed to an automated line to a completely different department and when I finally spoke with an agent I requested the agent I received the number from. I was told that I could not be connected with that agent. Going into XXXX XXXX Weekend I had to wait until today, XX/XX/XXXX, to contact Equifax and did so with my lender present. 

After multiple calls to Equifax I was told, for the first time, by an agent that they had no credit file for me. I was told to contact my creditors to ensure that my information was being reported to Equifax. I then contacted all of my creditors and was assured that my information was being reported to all three credit bureaus. I have had established credit since XXXX. My lender has had no issue pulling my credit reports from XXXX and XXXX. After contacting Equifax again I was provided no assistance in figuring out what needed to be done next. Nor could I be told why Equifax has no record of me in their system when I have had my lines of credit for nearly four years. 

This issue could be detrimental to my ability to close on this house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clark County Collection Services ( CC COLL SVC ) is still reporting a collection to my XXXX  report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called CC COLL SVC on XX/XX/XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old. 

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my XXXX  report as it older than 7 years and should have been removed by now,
Product: Credit reporting or other personal consumer reports

am writing to dispute a fraudulent ( charge or debit ) on my account in the amount of $ -_____ $ XXXX. I am a victim of identity theft, and I did not make this ( charge or debit ). I am requesting that the ( charge be removed or the debit reinstated ), that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
Enclosed are copies of ( use this sentence to describe any enclosed information, such as a police report or Identity Theft Affidavit ) supporting my position. Please investigate this matter and correct the fraudulent ( charge or debit ) as soon as possible. 
In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be ( mailed to me at the address listed below or faxed to the number listed below ). In addition, please make these records available to the XXXX Police Department upon their request. 
Sincerely, Your Name Enclosures : ( List what you are enclosing ).