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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

Validate this account BANK OF AMERICA Account Number : XXXX Delete at once
Product: Credit card or prepaid card

Return items to store for full refund on purchases. Credit lender " MyECP '' kept multiple pay your way payment plans instead of the one for the item purchased and one plan belonging to item. This created two plans with monthly charges, one with the incorrect amount of months listed, increasing the payment amount due to less months with a higher payment. This was not the agreed upon payment plan. The company refused to resolve this matter after multiple attempts, first time stating that the plans were incorrect. Now dealing with incorrect fees and payments and creating a hardship due to false reporting.
Product: Credit reporting or other personal consumer reports

It has come to my attention that accounts accompanied by an FTC report are not being removed, despite this being mandated under FCRA section 605b. Should the accounts listed below, which are inaccurately reported due to fraudulent activity, not be removed, I am prepared to initiate legal proceedings through my attorney. My preference is to avoid legal action, so I urge compliance with the law. The accounts in question, opened fraudulently without my consent or knowledge, include : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX. If these accounts are claimed to be accurate and verifiable, I request copies of any related documentation bearing my signature, which I believe does not exist. Without such documentation, I formally request the immediate deletion of this information from my credit file. For your reference, my new FTC number is # XXXX.
Product: Debt collection

I am continually harassed by a company stating that I owe on a lease to own. Over 8 calls a day for 3 weeks now. I paid for the item on XX/XX/2016. I finally called back and I was told I was a liar and was repeatedly yelled at on the phone by a " XXXX ''. I will not be bullied for something I do not owe. I contacted the original creditor and they confirmed it was purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I try to access and print my credit reports from three credit reporting bureaus. I go online at XXXX. I can always obtain, online, reports from XXXX XXXX and Experian. Each year I can not obtain my Experian report online and have to mail in a request with documentation. This difficulty appears to be an intentional policy on the part of Experian to make acquisition of their free credit reports difficult.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX  regarding violations of the Fair Credit Reporting Act ( FCRA ) and their inaccurate reporting of multiple charge-offs on my credit report. 

Details of the Issue : Creditor : XXXX XXXX Account Number : XXXX Settlement Date : [ Insert Settlement Date ] Reported Amount : {$1200.00} ( settled for less than owed ) I settled this debt with XXXX  XXXX in [ insert date ], and the account was paid for less than the full amount owed. However, XXXX XXXX has reported multiple charge-offs on this account between XX/XX/year> and XX/XX/year>, despite the account being settled. 

Violations and Harms : Violation of Accurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to furnish accurate information to credit reporting agencies. The repeated reporting of charge-offs after the settlement is misleading, inaccurate, and in direct violation of this statute.

Unfair Negative Impact on My Credit Score : These multiple charge-offs have severely impacted my credit score, making it difficult for me to secure favorable financial terms. Since the debt was settled, XXXX XXXX should have ceased further negative reporting on the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ Credit Resource Management ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt.

2. Account Information Discrepancies : Account reported was open XXXX XXXX with a balance of XXXX XXXX. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. 
Please provide the following documentation to verify the debt : The original signed contract or agreement. 
Proof that the debt was transferred to your agency and the full chain of ownership. 
Any relevant statements or records of the debts history. 
Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. 
Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. 
Thank you for your cooperation in resolving this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 PayPal put a temporary limitation on my account after I received dividend payments into my account. I was asked to provide personal info : Drivers License, Bank Statements, reason for transaction. They informed me they would review the statements and lift the limitation and allow me access to my money within 5 business days. Today it has been 10 business days and the limitation has not been lifted and no response from them on reason why. I have called several times to Customer Service and they can not tell me why. To withhold someone's money that does not belong to you constitutes fraud. I need my money to pay bills. I need my money released. PayPal does not own this money to withhold it they are a payment service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX accessed my credit report with an unauthorized inquiry. This is a result of identity theft. Currently an extended fraud alert is on my credit report as a result of misuse of my personal information recently. Federal Trade Commission Identity theft report is on file. Would like to dispute this inquiry and have it removed as a result of identity theft.
Product: Credit card or prepaid card

My complaint is in regards to my Citi Double Cash card, the charge in question was for XXXX, paid to XXXX XXXX XXXX, on XX/XX/2019. I purchased a pony for my daughter to take riding lessons on, and for XXXX from this merchant. THey promised me a healthy, child safe pony, fit to be a lessons horse, they demanded payment in full before delivering the pony, and I trusted them, so I paid them. They brought a dying, sick, underweight pony that had XXXX!! They refused to refund me the money they had taken from me, and, they refuse to come back and pick up the sick pony. I disputed the charge with Citi baki, I provided all the text messages from the merchant and my XXXX in vets bills showing that they lied and scammed me using deceptive business practices and misrepresenting the pony that they sold me. Citi bank took the merchants word over mine, even though I had proof, and decided to let the merchant keep the XXXX!! This is fraud and theft, and, Citibank did not properly handle this dispute and failed to protect me as their consumer client. I have already spent XXXX vet bills just to make this poor horse comfortable while she dies. I did not receive the child safe, healthy, rideable pony I paid for.
Product: Money transfer, virtual currency, or money service

Im expressing my concerns for how Zelle handle my dispute. Mainly because of the XXXX lawsuit that highlighted major issue with the platform. I use Zelle many times and report discrepancies. Zelle informed me that they had issues tracking these transactions. XXXX lawsuits shows not only has Zelle neglected to protect its customers but also continued to allow repay offer end to exploit there system leaving there systems vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

My former spouse opened a fraudulent account in 2016 by submitting a counterfeit application. She placed charges on the account without my knowledge or permission. I have spoken with the bank several times on separate dates and had been assured that they could provide me with the actual application with the counterfeit signature to pursue a criminal investigation and would remove any negative information on credit reports. 
They later recanted because they said in my history I had at one time lived at the address she used and used bank account information that had my name formerly attatched. I have not gotten a copy of the application nor has the information been removed. This information needs to be removed from my credit history.
Product: Credit reporting or other personal consumer reports

In congestion to the Fair Credit Reporting Act. A break down of accounts below has violated my Federally Protected Consumer Rights to privacy, Confidentiality under 15 USC 1681. e ( b ) Account : 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 XXXXXXXX 15 USC 1681 section 602 A States I have the right of privacy .

15USC 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plusXXXX XXXX XXXX  and XXXX law should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and XXXX.
Product: Debt collection

For the past year, Profit Services Group has been calling at least 3 times a day to harass me for a debt that belongs to someone else. 

When I told them, they called me a liar, hung up the phone and proceeded to continue harassing me. I have asked 6 times to have my number removed and each time I have been hung up on. 

The latest call I received was from " XXXX '' who claimed she was a manager said she didnt care about being reported or their XXXX  rating. 

I have no idea how to stop this but I need help desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX, Transunion and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX 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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Comsumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I had a case of fraud, which I have proof of on XX/XX/year>, and I had no way of contacting them about it. They declined my return request. I am including a photo of the return decline and the cashapp account that it was on. I however, have a new cashapp which is XXXX XXXX and I would like for funds to be sent there.
Product: Credit card or prepaid card

I bought two {$100.00} Visa prepaid gift cards ( one on  XX/XX/2019 and XX/XX/2019 ) at a XXXX near my house. When I went back to use them today ( XX/XX/2019 ), I found that both of the cards have a {$0.00} balance. I called up the company on XX/XX/2019, but since I've since lost the tiny receipts from a month ago, the company 's representative said I'm out my {$200.00} without recourse. On top of that, I was very discouraged to see that this has been an ongoing problem with this company for the past three years ( XXXX XXXX XXXX ). I can produce digital documentation showing that I bought the cards ( from XXXX and a matching charge on my credit card ), but I don't believe the company will accept that as proof that I purchased the card ( despite their website confirming the date of purchase and the place of purchase ). 
When looking further on their website, I can see that two ( possibly faked ) contacts registered the cards thru the company 's website. They do not live in the same city/state that I purchased the cards in. None of the transactions on the cards match the state I live in. This company severely needs to invest in adding another layer of security as their currently system is easily hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  aka XXXX XXXX XXXX  and through their collector Alltran Financial , LP are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.
Product: Payday loan, title loan, or personal loan

I applied for the personal loan on XX/XX/2022 and received a message saying it was not approved. The loan company said I reapplied with my maiden name which is not true because the name they provided is my married last name. The loan was deposited into my bank account on XX/XX/2022 and I didnt even know where the money was from so I looked where it could be coming and saw it was from the Lending Club XXXX The representative told me that as long as I provide them with my bank account I didnt have to accept the loan so they approve the funds to be deposited into my account. I called on XX/XX/2022 and told to cancel the loan and was told it was going to be done within 3-7 days and on XX/XX/2022 I noticed that the money was still in my account. They just had me waiting for them to be able to charge interest and other fees. I have called them to try and resolve with them but one of the representatives hang up on when she was transferring the call and others keep saying to have the money in the account. The loan # XXXX for the amount of {$17000.00}. 
I would like for the business to refund me the {$1100.00} fees and interest and fees since they failed to provide the approval notice and I was not advise that the money was being deposited into my account.