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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX FIN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.
Product: Debt collection

I had a XXXX credit card that I payed off the balance and closed in 2021. The company First source insists that I owe {$210.00} that I need to pay. XXXX  can not " find '' my account because it's closed. Yet I am still getting emails and calls from First source insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to XXXX and they now own that debt ). Attempts at clearing this up with both companies ( XXXX and First source ) have not accomplished anything. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After requesting " proof of contract '' from collection agency " FAIRWAY COLLECTIONS '' on XX/XX/2017, I have not received a response. Lack of response to my request thus constituted a tactic agreement that FAIRWAY COLLECTIONS is not entitled to enforce a collections claim against me, due to FAIRWAY COLLECTIONS inability to provide proof of contract. 
Despite this fact, FAIRWAY COLLECTIONS continues to report a collection claim against me to the credit reporting bureaus, thus causing damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} US DEP ED XXXX {$3800.00} XXXX  XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX   XXXX {$770.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with Experian about some unknown accounts on my report and I asked to see some verifiable proof ( an original consumer contract with my signature on it ) about those accounts. They just simply updated those accounts as verified and never sent me this verified proof that I asked and sent a letter stating that the XXXX account would not be re-investigated again.I also noticed a XXXX inquiry on my report and I never applied for any XXXX card before.
Product: Credit card or prepaid card

On XX/XX/XXXX I flew from XXXX  to XXXX on the XXXX pm flight with Spirit Air. On this flight I was told that if I applied for a spirit master card and was approved one of the benefits I would receive would be a free carry on for all flights booked with the spirit master card. I was approved and as I went to book my flight learned that this benefit that was communicated to me but the spirit flight attendants on this flight was incorrect. I have spoken to ten different representatives across various departments and have been told each time that there is nothing that can be done. I now have a credit card that does not give me one of the benefits that was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a legally sufficient identity fraud complaint with Equifax under FCRA Section 605B. Under that Section, Equifax is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Equifax received the complaint. Equifax purposely did not block the information and provided no lawful excuse for their failure. Instead, Equifax sent me a report some 30 days after receiving the complaint, simply stating that the following, " Please be advise that Equifax, at this time, will not block the information subject to the sumitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf. We will forward a copy of the documents you have provided to each crditor for their review.. 

In their response and conduct, Equifax has chosen to ignore the law. 

Equifax report number is XXXX
Product: Debt collection

On XX/XX/XXXX I received notification from Sequim Asset Solutions of a debt supposedly owed to XXXX. I had been a XXXX cable subscriber for 20 years and cancelled the service after changed had been made in my neighborhood and the service continued to freeze and go out. I have XXXX several months to try and fix the problem. They ran new lines, switched equipment, tried many things and each time told me this would fix it. Fox the last month I could not use my services at all and called XXXX and told them so. When I cancelled they want to charge me for the last month of service. I spoke with them and the rep told me that they could see that the cable boxes and internet had not been turned on during that period and they would submit the account for a credit. Then on XX/XX/XXXX I received the collection notice. I contacted Sequim in writing on XX/XX/XXXX ( within the 30 days noted in the letter ) via fax and have the confirmation page, asking them to provide validation of the debt. I never received any communication from them. I then called and was told that I should have not sent the letter in writing but called instead, even though the letter says to submit the dispute in writing. I was then told that it was too late and the debt had already been reported to the collection agencies but a supervisor would call me back. I was in disbelief. I never received any phone calls back. I then sent several more letters via fax requesting validation of the debt as well as removal of the collection from my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Never received a reply of any type. I am requesting that the collection be removed form my credit reports as I have never received validation fo the debt.
Product: Credit card or prepaid card

I have bought a SOLID 18K GOLD BRACELET from XXXX XXXX XXXX and I was charged XXXX dollars on XX/XX/XXXX on my Sams club Maseru card by synchrony bank. But when I received the bracelet it tested ONLY 14K GOLD PLATED with the electronic gold purity tester and I am attaching pictures. So I disputed the charge With Synchrony bank because what I received is different from what I paid for and is a lot cheaper. I received a 14k gold bracelet that is worth XXXX dollars and I paid XXXX dollars for that same bracelet.so the seller XXXX XXXX XXXX  sent me the wrong gold purity bracelet and the item was NOT AS DESCRIBED ON THEIR WEBSITE. The difference in price is huge and XXXX XXXX XXXX refused to return the item and refused to refund me because they sent me the wrong item. This is a scam by the seller and fraud if its done intentionally and I was overcharged a lot if its a mistake. 
Synchrony bank charged my account again today XX/XX/XXXX for the XXXX dollars that I disputed and denied my claim. This is an invalid charge because I did NOT RECEIVE THE ITEM I PAID FOR. Instead i received a lesser value item that is a fake and unauthentic and valued at XXXX dollars instead of XXXX dollars. Synchrony bank needs to remove that charge from XX/XX/XXXX and not charge me for an item I never received. The seller scammed me and sent me the wrong item and a very cheap and unauthentic item that is NOT solid 18k gold. Synchrony bank needs to resolve this dispute IN MY FAVOR and refund me back the XXXX dollars immediately. 
The charge is XXXX dollars today XX/XX/XXXX and also charged for the same item before on XX/XX/XXXX
Product: Debt collection

I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account with capital one inaccurately on my report. Upon reviewing my credit report noticing this was still on my report after settlement for pay to delete. I initially sent a request for XXXX to validate the account, and update to good standings. After 4 different attempts they have failed to update this and its still negatively impacting my report. I have disputed this information three times on XX/XX/21, XX/XX/21 and XX/XX/21, and have given them warning that if it was not updated, i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Product: Credit reporting or other personal consumer reports

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE ITEMS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INFORMATION I didn't receive any personal extended credit from the agencies below : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed this information with XXXX credit bureau over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights... 

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All f the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX/XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. A fraud alert has been initiated on my account for months now and unauthorized inquiries are still being pulled on my credit. They are XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit card or prepaid card

I received a phone call from the company XXXX about making my credit card payment. I stated that I would be going online to make the payment when I hung up, which I followed through. On the payment site I made selections for the {$40.00} plus dollars which was the XXXX due and on the card. Followed the steps to the next page and something must have gone wrong as the payment did not go through. I at the time thought it was complete. It was not until I noticed a significant drop in my credit score,  called XXXX to understand the issue and ensure I had not been a victim of identify theft, that I found out my score significantly dropped due to an unpaid bill of {$70.00} plus dollars ( {$40.00} plus the late fee ) for this XXXX account. I have had this account since XX/XX/2012. A credit limit of {$1000.00}. I most always make the full payments prior to the month of the purchase because I only use the card for the points. I have never missed a payment. And this was reflected on my score of an XXXX that dropped to XXXX because of a {$40.00} bill and a {$35.00} late fee from XXXX. This is ridiculous to allow a company to have the right to claim this type of penalty.
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 violates the Consumer Financial Protection Act. ( CFPA ) Specifically, Casp App failed to take timely and effective measures to address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit card

I am writing to bring to your attention a series of fraudulent activities that have occurred on my account, which I believe require immediate investigation and resolution. I recently discovered unauthorized transactions and identity theft incidents that have significantly impacted my financial stability and personal information. 

**1. Unauthorized Credit Card Opening : ** As of XX/XX/2023, according to the information provided by XXXX XXXX, it has come to my attention that an individual has opened a new credit card under my name. The malefactor has made charges totaling {$490.00} out of the {$500.00} credit limit on XXXX. I wish to emphasize that I have not authorized any of these transactions, and this marks the third unauthorized line of credit opened under my name. 

**2. Unlawful Charge on Best Buy Account : ** On my last reported statement dated XX/XX/2023, there is a charge of {$8300.00} to my Best Buy account. This charge was conducted in another state at the same general location as the previous theft, indicating a pattern of fraudulent activities. 

XXXX. XXXX Identity Theft : ** On XX/XX/2023, an individual in XXXX XXXX XXXX Texas, entered a XXXX store and locked me out of my account along with my mother 's account. This unauthorized access resulted in a 48-hour period during which my family and I were denied access to our phones. Subsequently, XXXX transferred our account information without our consent to another person. On the same day, I was charged {$5000.00} to an account by XXXX, allegedly through a purchase at XXXX XXXX XXXX XXXX XXXX XXXX Texas. I would like to emphasize that I was physically present in California when this incident occurred. 

I have already taken several steps to address this situation : 1. I have contacted the bank associated with XXXX XXXX and a representative has informed me that the account is under investigation and currently frozen. 
XXXX. A XXXX representative has sent me an affidavit, which I plan to submit tomorrow along with a police report.

3. I have notified XXXX representatives that I will be demanding a report between myself and their representatives to establish accountability for the unauthorized transfer of my account. 

Considering the severity and frequency of these incidents, I am reaching out to your security team to request a thorough investigation into these unauthorized activities. Additionally, I request that you take immediate action to rectify the financial damages incurred and enhance the security measures associated with my accounts to prevent further occurrences.

Citibank has been uncooperative, even after submitting my police report to their representatives and explaining the situation with the other two banks they have repeatedly denied my fraudulent claim. I have attempted to work this matter out with them for years with no result.

Citibank 's failure to resolve this matter, which was resolved by the other two banks years ago, will impact my situation in terms of housing and conducting business.
Product: Credit reporting or other personal consumer reports

XXXX have a td bank negative account in my credit report the is closed whit late payment i am not liable for this account i want them to please verify whit my sign contract whit td bank
Product: Credit card

So I opened a secured capital one account for XXXX XXXX dollars i used the card maybe one time. I forgot about the card. Then I seen an email. It reminded me to pay the card so I paid the balance that I owed which was money that I technically borrowed from myself as soon as I paid the card. I mean, within seconds of me, paying the card off, which is me paying the {$120.00} that I used of my own money. I paid myself back a XXXX. Dollars basically plus their interest, whatever they closed the card. So then after they closed the card, the lady told me that it would take them 2 months to get me my deposit back, which was crazy, didn't make sense to me but whatever so I call back. And I said, okay, where's my deposit now? Instead of them sending me my deposit back which they should do I now owe {$320.00}. I don't understand how this is possible, and I don't understand why i'm not getting my deposit back
Product: Credit reporting or other personal consumer reports

I sent the attached letter to Capital One. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of 2020, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. Capital One refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling , and 4 ) shows payments which were not applied to my account.
Product: Credit card

Today I received in the mail a notification from Synchrony that they will start assessing a fee to generate a paper bill. I fee this is unfair and is a cost of doing business.
Product: Checking or savings account

I filed complaint for unauthorized charge by PayPal. PayPal gave irrelevant response to close my claim with Consumer Finance. 
I will repeat, that I didnot give permission or chose Checking Account to be charged. PayPal has a security issue where declined credit card charge is automatically processed, without my permission, through my Checking Account.