23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

USCB AMERICA is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.
Product: Debt collection

Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Account # [ Your Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt reported to my credit file under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently noticed that your company has reported a collection account to my credit report, and I demand strict proof that I am legally responsible for this debt.

Pursuant to my rights under the FDCPA, I request the following : 1.Proof that you have the legal right to collect this debt, including a copy of the original signed agreement between myself and the original creditor.

2.A full breakdown of the debt, including the original amount, all interest, fees, and payments made. 
3.A copy of the purchase agreement or assignment between you and the original creditor, demonstrating your ownership of the debt.

4.Proof that this debt is within the statute of limitations for collection in my state.

5.Verification that the debt is accurate and complete, including a copy of any judgment or contract showing my liability.

Until this information is provided, I request that all collection efforts and credit reporting on this account cease immediately. If you are unable to validate the debt, I demand that you remove this account from my credit report as required by law.

Furthermore, if you fail to respond within 30 days, I will consider this debt unvalidated and will file disputes with the credit bureaus to have it removed from my credit report. Additionally, I will explore legal options regarding any potential violations of my consumer rights. 

Please note that this is not an acknowledgment of liability for the debt but a formal request for validation under my legal rights. I expect a response within the time required by law. 

XXXX XXXX
Product: Debt collection

They are attempting to collect on a debt that has been included in Chapter XXXX. They continue to report incorrectly on my XXXX  report. It's been verified via XXXX  twice and it's incorrect. They are in violation of the bankruptcy code and FCRA.
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 ). On XX/XX/year>2024 Cash App took {$2000.00} from my account for a dispute that was fraudulently made by a user 4 months laters without even giving me a heads up about it or the right of authorization for the transaction or the right to prove it was inaccurate. After calling them with the individual on the phone and personal recording the conversation where the individual stated that they did not make a dispute nor received any money taken from me by Cash App ( Block , Inc ), and making a police report, and sending all documentation to them, they still refuse to resolve my case while giving me the run around for months. I ended up falling in debt with my bills and business vendors because of the money they took from me. I lost business, as well as sleep over this, and have been fighting with them up until this day to get my money back. I have been unsuccessful with getting help from Cash App customer service, and am still out {$2000.00} which they unfairly took from me. 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX : {$0.00} DPT EDXXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX XXXX since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
JPMCB CARD XXXX Date opened XX/XX/2014 Balance {$9000.00} // Charge Off
Product: Credit card or prepaid card

On XX/XX/XXXX, I was calling to close my capitalone spark visa account. However capital one did not close the account. On XX/XX/XXXX ; capital one charged me with {$95.00} annual fees and did not notify me thru statement nor phone call until now that my credit card was late and charged interest and late fees due to their negligent to close the account. I haven't used this card since XX/XX/XXXX and I always payoff my balance. 
Today, XX/XX/XXXX I called and explain to them that I was recently hospitalized and impacted by this XXXX XXXX, and I just got back home 2 weeks prior and I would like to know why my account was past due. XXXX, the card supervisor explains to me that because I was charge a membership fees on XXXX XXXX for {$95.00} and I didn't pay the membership fees on the card that I closed in XX/XX/XXXX. So not with all the fees and a bad credit reporting, Capital one refused to make it right for me. As I explained I am XXXX years old with XXXX and just recovering from XXXX XXXX ; and I was not aware of this happening since I haven't got any statement nor any alert nor phone call. They refused to help me and he kept saying that it was my mistakes that I was switching the statement to online statement in XXXX which I didn't remember doing it. Now I strongly belief that someone inside capital one change the mail statement to online statement to making sure that I never know if the account never been closed and annual fees was assessed to my account. This is fraud and scam to elderly client.
Product: Mortgage

Starting on XX/XX/XXXX Wells Fargo 's Collection Department started calling my house multiple times per hour. When I answered the phone it was either a computer telling me to hold, or an operator asking for my name and then they hung up. On the night of the XX/XX/XXXX I answered the call and asked why they were calling over and over again, and the operator said - Well " you seem upset XXXX XXXX, this is not a good time to talk. '' And hung up. We contacted Wells Fargo, they hold our mortgage and our equity line. Mortage dept confirmed our XX/XX/XXXX payment was received. We send both payments electronically from our XXXX acct. On the Morning of the XX/XX/XXXX the phone starts ringing again from Wells Fargo. When I talk to them they tell me that my Equity line is 3 days late. I tell them I paid it electronically already and the mortgage dept received it 's payment. After a lengthy phone call the Wells Fargo operator admits they are having an issue with XXXX electronic payments. But they recommend I make a second payment before they report me to collections. The payment was sent on the XX/XX/XXXX. The payment was due on the XX/XX/XXXX, and collections started calling on the XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my Equity payment was being returned. I went to XXXX and received a copy of a memo from Wells to XXXX stating they had closed several lock boxes that XXXX mailed the payments to and the payments were lost. I then went to Wells Fargo to pay my equity line for a second time. On XX/XX/XXXX when Wells Fargo started calling me for a payment that was 2 days late they were aware of the issue with the XXXX Payments. Between XX/XX/XXXX and XX/XX/XXXX - Wells Fargo called my house 19x because of a 2 day late payment they rejected. They hung up on my wife and I on 4 different phone calls. I filed a complaint with the Executive office of Wells Fargo. After a week of reviewing my case they admitted the operator who spoke to me was impolite and they were going to discuss with her how to better handle customers. They lied to me as to the reason the payments were rejected. They lied about when the lock boxes were closed. And they said the problem was because of XXXX. I have a Wells Fargo memo that states the opposite. Wells Fargo 's only offer of compensation is that they are not reporting my XX/XX/XXXX payment late, and not charging me a late fee -- -FOR A PAYMENT THEY REJECTED. I believe calling 19x in less than 24 to collect a debt that is 2 days late, and is late because you cancelled the payment to be harassment. It took me at least 5 hours to deal with both banks to get to the bottom of this situation. Telling me that their collection department is being reviewed and offering me nothing is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information is being used fraudulently. I have disputed the following inquiries before and Experian refuses to take them off my report, as I did not give my written consent for these to have been on my report nor for these companies to have pulled my report. I feel like I am being taken advantage of and my requests are being denied. PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX & Equifax the major credit reporting agencies in the United States. I have recently gone through a dispute process with XXXX regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, XXXX, XXXX & Equifax failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided XXXX, XXXX & Equifax with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against XXXX, XXXX & Equifax for their failure to comply with the FCRA and 15 USC 1681i. I believe that XXXX, XXXX & Equifax actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that XXXX, XXXX & Equifax delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that XXXX, XXXX & Equifax still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct XXXX XXXXXXXX, XXXXXXXX XXXX Acct XXXX XXXXXXXX, XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove all negative items listed in my report that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a wire for {$29000.00} was sent to a chase account account. I filed a claim with Bank of America for fraud along with the account information that the account was sent to and they said they would put a reclaim on the account. I kept calling back and was informed there was no formal case number so I opened up a formal case XXXX XXXX and I have not been updated with any information. I called Bank of America fraud services and was told there had been no movement on the case as of this week XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THAE DATE IS NOW XX/XX/XXXX This-fraud account I demand to be removed immediately ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Debt collection

My name is XXXX, a federally protected consumer, and I am making this complaint against CREDENCE RESOURCE MANA, for committing identity theft. I have never given CREDENCE RESOURCE MANA, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CREDENCE RESOURCE MANA and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDENCE RESOURCE MANA, any right to collect on this alleged debt. 
I have never received any documentation requesting validation from CREDENCE RESOURCE MANA, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDENCE RESOURCE MANA, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANA, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANA, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

XXXX called employer and disclosed information have asked them to stop boss is getting upset