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

XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : Hi, I am recent victim of identity theft. This item has already been removed before, according to the fcra, you are breaking the law by keep allow this account to report!. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included XXXX XXXX alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETE IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the persistent presence of fraudulent accounts on my credit report. After reporting the identity theft incident, I promptly reached out to the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they were unable to provide records. However, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX.
Product: Debt collection

National Credit Systems lnc placed two negative collection accounts on my credit report. One account for {$1000.00} and another for {$1000.00}. I gave my apartment manager a 60 day notice I was moving out because I bought a house. I asked them to validate the debt, I received no response. I would like both negative collections removed from my XXXX, XXXX and XXXX credit reports immediately. Thanks for all you do.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and requesting these accounts be blocked from my credit report
Product: Debt collection

I have submitted a separate complaint on XXXX and its 3rd party collection agencies ( CFPB case # XXXX ) for their mishandling of previous disputes I have made to them and/or their 3rd party agencies. I dispute the amount owed of {$130.00} and have since they attempted to collect it. I have been assured by XXXX and/or their various agencies on several different occasions that the debt would be cleared and they would remove it from my credit bureau. Initially about XXXX years ago, I submitted a dispute to the credit bureaus disputing this alleged debt. It was subsequently deleted either due to no response from the collection agency it was assigned to or they could not verify the debt. Since then it has been re-reported by XXXX different collection agencies with the most recent reporting coming from Stellar Recovery. Prior to Stellar, I have disputed this debt with the collection agencies, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. They both agreed to remove this alleged debt from my credit bureau and acknowledged my dispute. What appears to be occurring is that these agencies are canceling the placement and sending the account back to XXXX. These agencies are either not communicating my dispute to XXXX or XXXX is ignoring the communication. Once XXXX receives the account back from the agency, they are then placing it with yet another collection agency who then reports it to my credit bureau ( despite this account initially being disputed through the XXXX major credit bureaus where it was subsequently deleted ). It has since been re-reported 3 different times. At this time, Stellar Recovery needs to promptly remove/delete this reporting from my credit bureau and then XXXX needs to ensure they clear this disputed debt as it is not valid. XXXX then needs to take responsible action to ensure this is never assigned to a collection agency and is never reported to the credit bureaus again. XXXX can not and has not provided any concrete proof that this is a valid debt, because it is not.
Product: Money transfer, virtual currency, or money service

Venmo has permanently suspended my account with money in it and I can not transfer it out nor use my account to send money to family and friends. My friend had sent me money on XX/XX/XXXX and ever since then its been locked. I have very important transfers to make and bills to pay. I have reached out to them multiple times and they have not helped at all. 

I have provided them with documents of proof of my identity and bank statements but they dont reply and have locked my account and my money from me. Ive had this happen before and they fixed it. Now its happening again. Do not use them they will keep your account locked and hold your money for weeks or months. Terrible experience
Product: Money transfer, virtual currency, or money service

I contacted someone via XXXX  regarding available concert tickets to a local event. The poster indicated 4 available tickets. When I reached out to the poster, I was advised they would agree to sell 2 tickets for an agreed price, {$60.00} each. We exchanged emails and I submitted a payment via PayPal. Upon my payment, the poster responded back to me that XXXX ( where the supposed electronic tickets were held ) would not allow a partial transfer of tickets and that I would now need to buy all 4 tickets. I advised I would not proceed and wished to cancel to transaction. The poster did not reply. I was able to make a dispute online with PayPal within XXXX  minutes and also connected with a service representative who informed me that since I selected the friends and family pay option, I was not eligible to dispute the charge. As a consumer who uses PayPal to pay for goods and services with traditional retail establishments, it is not easy to distinguish when you are paying an individual ( not retail ) that would land in the friends and family versus choosing paying for goods and services which feels like it is associated with a company. In totality, I feel like I was scammed, PayPal has the funds delayed to pay to the recipient until XXXX XXXX XXXX, and PayPal is not willing to take steps to prevent the payment. I was advised to go dispute with my bank, which I can do, however it seems like this should be a solvable issue for the payment provider to get in front of.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information. '' According to the Fair credit reporting act 15 USC 1681 section 602 it states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and Experian are consumer reporting agencies and I am the consumer. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 and section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Equifax and XXXX do not have any consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), 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 conviction of crimes which anteaters the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the laws. 15 U.S. code 1681s-2 ( a ) ( 1 ) states " 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. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX 2024 I created a new account with a crypto exchange called Bitstamp. After successfully signing up and doing a two factor authorization with them and confirming my email and submitting video of me and pics of my driver 's license they said I would need to schedule a video call for XXXX. We did this a few days later which was a challenge since they are in another country with the time zone differences. I was at work for this video call. They told me on this call to email them my wallet address to place my crypto to and that I would be all set, only to receive a message a few minutes after ending this video call, that I would need to have another video call?? After Bitstamp not having any available days/times, this would be several days for our second video call. On this call I was told that if things weren't going as quickly as I would like, that I could always sell the crypto and reverse things and place the money back into my same bank account. At that time I told the gentleman that my goal is to simply hold and own my purchase by placing this into my wallet. On this second video call he assured me that he has everything he needs in order to authorize me to do what I wanted. After this second video call I haven't been able to do anything with my {$500.00} in crypto. I can't withdraw it and place it into my own wallet. I can't do what he said, and even sell this and move the funds back into the same bank account it came from. It is now XX/XX/XXXX and Bitstamp has my money and I have nothing. I keep being told they are working on it and I keep getting told different things. I have many more screen shots not included here since there have been multiple people at Bitstamp telling me different things and when I call or email they say to be assured they are working on it. I am who I say I am and I have proved this multiple times to them and they seem to be looking for every excuse to keep my {$500.00}. This isn't right at all. They know a lot about me and I don't know enough about them, only that I do not trust them since they aren't following through on their end.
Product: Vehicle loan or lease

I had a accident and couldn't afford to pay car note so they try to make me I got the car in 2019 and they said I own over XXXX I can't pay this I'm a XXXX and a veteran please help me.
Product: Money transfer, virtual currency, or money service

I ordered food through the app, and paid for the order, only to find out that cashapp charged me and I never got the product. The order got cancelled and I still never got a refund. Tried to use there customer service chat line, and it was all XXXX and no real person. It was {$22.00} and never got anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$480.00}.
Product: Credit card

My XXXX XXXX changed from XXXX to XXXX and they didnt ask me. This change made my credit report drop XXXX points! I also did not get correct rewards, I spent over {$3000.00} on last statement and only have @ {$11.00} in rewards whereas it should be over {$30.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( blocked, inc ) due to inadequate customer services and unfair practices. Which violate the customer financial protection act ( XXXX ). 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 fraud transfer act ( XXXX ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Worth Financial is not authorized to inquire or add any information to my credit report. They inquired my credit after a transaction. there was no application nor contract regarding this transaction. Furthermore, Worth Financial was informed that I was a victim of XXXX and ill and requested accommodations. Worth financial attached late fees an reported delinquent payment to my credit report. Never authorized them to report anything to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue regarding fraudulent information on my credit report that I have repeatedly requested to be removed, despite filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite following the necessary steps and providing the required documentation, the fraudulent entries remain on my report, causing significant harm to my credit score and financial well-being.

On [ Insert Date ], I filed an Identity Theft Report with the FTC after discovering fraudulent accounts and activities listed on my XXXX credit report. This report clearly identifies the fraudulent entries, and under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX is legally obligated to investigate and remove any information resulting from identity theft. 

However, despite submitting the FTC Identity Theft Report and following up on my dispute, these fraudulent items have not been removed, and I continue to see them on my credit report. This ongoing issue has affected my credit score, financial standing, and peace of mind. 

I believe XXXX failure to act in accordance with the law constitutes violations of the following : FCRA Section 605A ( Identity Theft ) : Under 15 U.S.C. 1681c-2, XXXX is required to block any fraudulent information from my credit report within four business days after receiving the FTC Identity Theft Report.

FCRA Section 611 ( Disputes ) : As per 15 U.S.C. 1681i, XXXX must investigate and resolve disputes related to inaccuracies on my credit report within 30 days. The fraudulent information should have been removed as part of this process.

FCRA Section 623 ( Responsibilities of Furnishers ) : XXXX is also responsible for ensuring that inaccurate information from third-party furnishers is not reported. This has not been addressed despite my multiple attempts to resolve the issue.

The failure to correct my credit report has caused several negative consequences, including damage to my credit score, emotional distress, and financial harm. I request that XXXX immediately remove the fraudulent information from my credit report in compliance with the FTC Identity Theft Report and the FCRA. Furthermore, I request written confirmation that the fraudulent entries have been removed and that the investigation has been completed in accordance with the legal requirements.

If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies in court.

I trust that you will address this issue swiftly and look forward to your prompt response and resolution.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet. I recently checked my credit report and saw may request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.
Product: Debt collection

I've been having problems with a XXXX XXXX XXXX  since XX/XX/2022. I started to receive both internet and cable bills from XXXX XXXX XXXX under my name from my parents address. I did not know that my parents had opened up the XXXX XXXX XXXX bills under my name until I received this mail. I filed a police report, and several disputes within XXXX XXXX XXXX. I even have text messages proving that I did not authorize my parents to open up the account in my name. Even after receiving a notice that I would not be held liable ( attached ) from the XXXX XXXX Department, I continued to receive bills for the internet and cable before my parents transferred the accounts over. Now, a creditor reached out from Credence Resource Management , LLC on XX/XX/2022 to collect on account XXXX.
Product: Student loan

On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over two months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted two more IDR applications ( for a total of 4 ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately. In XXXX, I filed a complaint through here. On XX/XX/XXXX, Mohela responded that they would fix my account. A few days later, my account was back to the standard repayment level payment. They never fixed anything and blatantly lied in their response.
Product: Credit reporting or other personal consumer reports

18 U. S. C. 1028A & 15 USC 1681B ( 2 ) XXXX XXXX XXXX XXXX XXXX i called credit reporting agencies and let them know these Document included below are not supposed to be visibe on mt consumer Report. i never gave them consent to report them.
Product: Debt collection

ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist.