23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I have received an ACCOUNT STATEMENT GOOD THROUGH XX/XX/XXXX FROM Alliance CAS, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Phone XXXX XXXX XXXX, e mail : XXXX stating the amount of {$6300.00} will be sent to collection. 
Alliance CAS letter did not give any details and how those amounts were arrived at. At this point, I would like to bring to the attention of CFPB as follows : 1. Original Complaint No : XXXX was made on XXXX/XXXX/XXXX XXXX. Alliance CAS reply received through CFPB on XX/XX/XXXX XXXX. I was given 60 days to respond. 
4. Due to XXXX problems that led to XXXX my mobility was restricted during the month of XX/XX/XXXX leading to part of XX/XX/XXXX. 
5. I have contacted CFPB explained the circumstances that were beyond my control. 
6. I was given a 15 days grace period to respond to the reply of Alliance CAS. 
7. Finally I have given my response on XX/XX/XXXX under a new Complaint under file XXXX : XXXX honestly believing that this response will be forwarded to Alliance CAS without fail. 
8. I was told that I have to submit my response to the answer to Alliance CAS under new clam # XXXX which I did. 
9. Since I did not get any response, contacted CFPB by phone on Friday XX/XX/XXXX only to find out the contents of File # XXXX were never forwarded to Alliance CAS. 
9. By not forwarding my reply, I strongly feel my rights to be heard were compromised. 
10. The Agent, XXXX informed their system did not recognize the XXXX # XXXX as my response to the response of Alliance CAS . 
11. XXXX informed that I should make another New complaint adding the above two File XXXX. 

Hence, I hereby submit a new claim and attach the following documents in support of my claim for your review, verification and resolution of my agonizing XXXX issues Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I bought a laptop from XXXX XXXXXXXX through affirm. The laptop arrived way too late and I contacted the company to allow return. After fighting with them over a year the laptop was returned but affirm is still trying to collect this and committing fraud trying to collect an account no longer owed. They also reported to my credit Bereau I was late but I dont owe this anymore its been sent back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts does not belong to me and I'm asking that these fraudulent accounts be blocked from my credit report. Not one single credit reporting agency provided any physical documentation for these accounts before reporting them, opposite of my request for physical documentation. I'm demanding that these accounts be blocked/ removed immediately. 

1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) Missouri XXXX XXXX XXXX  5 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, AND XXXX ARE ALL REPORTING AN INACCURATE LATE PAYMENT ON MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that there was some suspicious activity on my credit report, so I called the various credit bureaus to freeze my credit and to chase down fraudulent activity. I thought I was calling XXXX and ended up getting this company the Consumer Information Bureau ( their number is exactly the same as XXXX except for the first XXXX numbers ). As I was in the middle of a crazy day at work while also dealing with this, my guard wasnt as high as it typically would be. This company positioned itself as being a partner of XXXX and sold me a service that would monitor my credit, which sounded good in the moment but when I stopped to think about the call after I got off something didnt seem right. So, I started digging and this very much seems like a scam. Im still trying to get a refund ( working with my bank on this at this point ) but now Im additionally worried I may have connected with someone who will try to sell my personal information, which is particularly violating given I was calling after having had my identity stolen as part of a breech. 

This company knowingly has picked a phone number close to XXXX  hoping to have consumers in a situation like mine call them so they can take advantage of us in vulnerable moments. As far as I can tell, they dont offer anything beyond what you can do with the credit agencies and theyre charging good money for it. I cant believe I fell for this in the moment and I suspect there are many, many people like me who this has happened to. 

At the minimum if this is a legit business, they shouldnt be allowed to have a phone number so similar to XXXX. And if they are not legit as I now suspect, the government should shut them down for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to to CFPB on XX/XX/XXXX. I received your response but no response or correction from XXXX  or Equifax. How do I get them to upgrade my scores?
Product: Credit card or prepaid card

I have a series of charges for {$16.00} I have never agreed to this charges with the company that made these charges. I filed a fraud dispute with Bank of America and they said they were going to investigate it, and concluded the investigation claiming that I have received a double refund. From the company involved and from Bank of America and this was the reason Bank of America were putting the charges back on my card. 

I have never received a return from the company that made these charges on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX Account # XXXX, has violated my right. 15 U.S. C 1681 section 602 A. STATES I have the right to privacy. 15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX $ XXXXXXXX XXXX XXXX I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file as a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 section 602. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Removed and delete all account in accordance with laws listed above
Product: Credit card

I am writing to seek your assistance regarding a dispute with Bank of America that involves the apparent deletion of my account from their system despite an outstanding balance of {$23000.00} reported under my name. Despite my repeated requests, Bank of America has stated that I do not have an account with them, which conflicts with their claims and efforts to collect a debt they allege is owed. 

Here are the key issues : Denied Access to Information : I have been unable to obtain any account statements or transaction histories, which are crucial for resolving this matter and for ongoing investigations by my local police department. 
Failure to Provide Required Information : Under federal law, I am entitled to a full disclosure of all pertinent information regarding accounts opened in my name, even if I reported as an identity theft account especially in light of potential identity theft or fraudulent activities. 

The lack of access to these crucial documents has severely impeded my ability to clear my name and resolve the financial discrepancies reported under my social security number. 

I respectfully request that the CFPB facilitate communication with Bank of America to : 1. Confirm the existence or non-existence of the account supposedly deleted.

2. Obtain all relevant statements and transaction records related to the account to assist with police investigations and my personal records. 

Your assistance in this matter is crucial to rectify the ongoing issues with Bank of America and to ensure compliance with consumer protection laws. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXXDOFED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached with is complaint is correspondence from me to Equifax  Complaint Department. Letter has been sent to dispute credit inquiries that I did not authorize, Letter was sent to verify collection accounts listed on credit report and if unable to verify, please delete. No response has been made regarding either letter that Equifax has received. Also, in attachments is a letter from   XXXX   XXXX   which I personally disputed, to which   XXXX   XXXX   sent myself a letter stating a decision was made to discontinue collection efforts being that the account was not verified nor belong to me. Same letter correspondence with collection company  XXXX  to which they also have ceased collection activities. The discrepancies listed on my credit report is making it very hard to obtain credit especially being that the entries described above were not authorized.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$7600.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00}
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 make a 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

Credit Acceptance Corp pulled a copy of my credit report today according to an experian alert I received. I did not authorize this, and in fact am restricting this company from anything to do with my personal data.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically cashapp 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 was unfair and deceptive, as they did not comply with with an error resolution requirements under the Electronic Fraud 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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have filed ( 2 ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, XXXX  at the Justice of the Peace Precinct # 4. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am permanently, medically XXXX and receive Social Security and am on a fixed income while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!
Product: Credit reporting or other personal consumer reports

What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at 1. 
XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), 2. an auto loan account opened at XX/XX/XXXX XXXX under the account number ( private ), 3.a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and 4. an auto loan account opened at XXXX XXXX lenders on XX/XX/XXXX with a balance of {$45000.00} ( private ) that appears related to the aforementioned 5.personal collection loan account opened at XXXX XXXX {$500.00} 6. XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I defaulted on my Citibank credit card 3 years ago. I have contacted Citibank multiple times to pay off the account but they can not find my information anywhere but are still reporting it to the credit bureaus. It came to the point where someone from Citibank told me to dispute the account with the credit bureaus and see if that would trigger a response to verify the account. The account was removed from my transunion report but was verified on the other XXXX reports. I then called Citibank again and was transferred multiple times and still nobody could verify me or my account and as far as they were concerned I was nowhere in their system. I was also told by Citibank send a fax explaining everything and attach a copy of my credit report for their dispute department. They have not responded. I am not trying to get out of the debt and want to pay them but since I do n't exist to them for whatever reason I ca n't. I am trying to apply for a home loan and this mark is holding up the process. Thank you.
Product: Debt collection

The accounts were open inXX/XX/2014. The amounts are - {$620.00} - {$670.00} - {$350.00} I've send them complaint letters directly. I have also explained to them that these accounts/debits are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned at the end of XXXX that my information had been used to open and pull my credit for auto loans. All fradulent activity took place bettwen XXXX. 

First I contacted Transunion to dispute a hard inquiry on my account that I didn't recognize. They informed me that I need to contact the bank who pulled my credit, XXXXXXXX XXXX. 
At the beginning of XXXX contacted XXXX XXXX to remove a hard inquiry. XXXX informed me that I need to fax the information to them for them to submit a deletion letter to transunion. 
On XX/XX/XXXX, I faxed the police report, identity theft report, letter to remove the inquiry to XXXXXXXX XXXX. 
On XX/XX/XXXX, I called Transunion to see if they go any correspondence from XXXX XXXX. They didn't. 
The person I spoke to, said the only way i can get the inquiry of my credit report is if I get a letter of deletion from XXXX XXXXk XXXX which i tried to on XX/XX/XXXX ) Side Note-During this time the credit bureau received information to delete a fraudulent CC that was opened under mine name ( from my information being compromised during the XXXX   breach ) which was open days before this hard inquiry was placed on my account. But they say they don't have any information to remove the hard inquiry. 
-they also know that i have identify fraud because they have applied an extended credit monitoring note on my account for 7 more years. 
-- So I am really confused, I am having more trouble removing a hard inquiry from my account than an XXXX fraudulent open credit card. Please help me get this last fraudulent thing off of my credit report.
Product: Credit reporting

This account was paid and I was told by the collection agency that it would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute to Experian informing them that public records Bankruptcy being shown has the incorrect docket number across all 3 bureaus and they need to verify this information per FCRA with the original creditor they never sent me the information on how they verified this public records AT ALL. They continue to report inaccurate information that is not associated with me. Highlighted in RED is all the inconsistencies and all errors on my report and they continue to do this without any regard to WHAT PUNITIVE DAMAGES THIS IS CAUSING ; therefore this is my final step and after this I will be filing a complaint with the attorney general and SMALL CLAIMS with the courts for lawsuit. Attached is proof of the dispute and the errors that continue to be reported and them NOT CLEARLY VERIFYING THIS WITH THE ORIGINAL CREDIT ( THE COURTS ) If they are verifying this with the courts I would like to know the name of the person from the RECORDER OF DEEDS they spoke with court number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses companies are running my credit and I want them to stop