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

In accordance with the Fair Credit Act XXXX XXXX XXXX ( Account # XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

As far as dates go I wish I would have kept a call log for all the time 's that I called the Bank and spoke with the Customer Service department at Citibank including there fraud department. Supposedly I was the one committing fraud, but they failed miserably to provide any evidence of my money making fraudulent activity. Blows my mind! They are going to be sued eventually because I will not forget this for the rest of my life. I don't trust Bank 's anymore. They have no accountability to anyone except the federal government. The government doesn't do XXXX to the Banks, but I know someone who is the KING of all the Nations who will do something for me very soon. They better pray I don't get my hands on a XXXX XXXX XXXX because I will make it my personal business to XXXX Citibank over for good. I told them this on recording so be sure and let the record show that I don't give a XXXX and I will be {$30000.00} richer just because I can. Let 's see a case in court my way. I don't think they could prove it was me unless they had the brain 's to look into someone's digital fingerprint. We aren't that smart yet probably. We are slow in the United States until the problem is to big and then the government is so XXXX they wouldn't know where to start anyways. Ask me if I care? XXXXXXXX XXXX! I want my money and I appreciate the wonderful people at Consumer Finance that they do their jobs. If not for y'all I would just be XXXX. This is the reason why I plan to make CitiBank go out of business real soon. I'm going to tell you that the XXXX is with me so come lock me up if you want to and watch the fear of the XXXX come back to this XXXXXXXX XXXX Nation. The whole United States is about to wake XXXX  XXXX up. XXXX XXXX is XXXX! Watch and see!
Product: Debt collection

In XXXX on XXXX, I purchased a vehicle from a dealership called XXXX XXXX in XXXX XXXX, California. I was given a fraudulent XXXX report on the vehicle which stated that it had been previously been in a minor accident, but no major damages had occurred and that everything on the vehicle was fixed. Shortly after during a routine maintenance check with my local mechanic, I was informed that there is in fact damage to the car and that it had never been repaired which I had to pay to fix due to safety concerns. A few months later, I started receiving tickets/parking violations in the mail which occurred in XXXX totaling well over {$300.00}. I have spoken with the county and stated that I did not own the vehicle at this time and attempted to speak to the dealership as well to get this issue resolved. From the beginning, with the fake car fax report and the tickets they refused to be of any assistance and were completely vulgar and disrespectful. I have been told that that is not their problem, that I should have known better, and worse yet to " XXXX XXXX  ''. They have stopped accepted any form of communication and responding to any calls or emails when attempting to speak to a manager to get this issue resolved. I am currently receiving debt collection agency notices for the tickets that have been unpaid due to their actions and my credit history is at risk of being affected by this. I have mailed proof of when I purchased this vehicle and really need assistance on how to get this resolved, not just for the situation at hand that I am dealing with but so that it never happens again to someone else. There have been numerous other complaints filed against the dealership from other individuals in the past as well, I just unfortunately did not do as much research as I should have prior to purchasing my car from them.
Product: Credit reporting or other personal consumer reports

Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as two XXXX  XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, a form of XXXX XXXX where I was coerced into accumulating debts. This situation has left derogatory marks on my credit report. I am currently receiving assistance from a representative at the XXXX XXXX, a dedicated organization for XXXX XXXX survivors. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to trafficking upon filing an official claim
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Amount : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I am formally notifying your company that unless the appropriate steps to rectify this situation are taken within 10 days, I will file a complaint with the FTC. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. Your legal obligation requires a response within 15 days, and failure to do so is a violation. Non-compliance may result in fines of up to {$1000.00}. I trust that upon receiving this letter, you will promptly address the issue. Please provide the investigation results for the following accounts : XXXX XXXX  XXXX XXXX Failure to cooperate will result in a complaint being filed within 10 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a purchase on XXXX  for a game console. When I checked out, it told me I could make the payment with XXXX, a money transferring service that you could make through your bank. I made my payment through my Chase banking app for {$200.00} to the websites email. 

I received a confirmation email from the company, but the next day, their website was gone. I knew I got scammed. On XX/XX/XXXX, I called Chase customer service and was transferred to their claims department. I told them as much information as I could and they informed me that they would be contacting me through email, and the process should take around 10 business day. 

Its XX/XX/XXXX and I received no communications from them. I gave the claims department a call and they told me basically the same thing and that there were no updates. I expressed my concerns to the women whom I was on the phone with. I was aware and appreciative that they were doing everything they could but I also was very adamant with getting my money back, considering I used their service. She told me there was no guarantee that I would get my money back and XXXX does not have buyer protection. ( I wish I knew that! ) She rudely said to me, we did OUR job and you did authorize the transaction. Yes I did authorize the transaction expecting a product in return. Its clear that they dont want to deal with it though and all I was told was to keep calling back for updates. I learned my lesson but I really wish Chase would protect their customers when using their services. That didnt seem fair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit from a company who stated I could get a free copy of my consumer report from the consumer reporting agency below. I wanted to know what was in the report to find out why I was denied credit. I have tried to get a free copy of my consumer report from the following company for a couple of months ( XX/XX/2019 and XX/XX/2019 ). I called the company and left a message for them to call me back several times. They never called me back. I finally sent them a letter requesting my consumer report on XX/XX/2019. I sent the required identification information with the letter. I have not heard from them. It has been over a month. They have a website with a form to request your consumer report, but I did not want to put my social security number on the form and send it over the internet. The consumer reporting agency is : Sage Stream, LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.sagestreamllc.com
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXXXXXX XXXX on XX/XX/year> under the account number ending in XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Transunion because my character has been defamed. I demand that these inquires below be removed immediately.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX / XXXX / XX/XX/2021 XXXX XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX  / {$550.00} / XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.
Product: Debt collection

ON XX/XX/2023 NELSON CRUZE AND ASSOCIATES FAULSLY REPORTED A DEBT THAT I PAID IN FULL TO MY CREDIT REPORTS AND IT DROPED MY SCORES XXXX. I CALLED THEM TO ASK THEM TO TAKE IT BACK OFF MY REPORTS AND THEY BASICALLY BLEW ME OFF! I WAS IN THE PROCESS OF IMPROVING MY SCORE AND NOW THIS HAS REALLY SET ME BACK! PLEASE CONTACT THEM AND HAVE THEM REMOVE THIS OFF MY REPORTS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 

The items listed below and on the attached copy of the report I filed with FTC. ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

Experian will not remove fraudulent XXXX credit card account and address. 
I mailed one copy of a government issued identification card. 
One copy of a utility bill. 
My full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Federal Trade Commission letter Police report.
Product: Debt collection

XXXX is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to experian XXXX XXXX and XXXX and experian is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to Fair Credit Reporting Act XXXX XXXX Account # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : 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

I sent letters in XXXX in regards to collection accounts on my report asking for them to be validated or removed and neither was done
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX ACCOUNT # XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX ACCOUNT # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX XXXX XXXX XXXX XXXX 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 service and unfair practices, which violates the CFPA. Specifically Cash App failed to take timely and effective to prevent and address fraud from their platform- leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was deceptive, since they did not comply with the EFTA ( Electronic Fraud Transfer Act ) and regulation E. These actions resulted in financial loss and significant inconvenience. I seek appropriate redresses for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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