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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, 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 Accounts : XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$260.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX Via Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 # ( XXXX ) 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 or prepaid card

From : XXXX <XXXX> To : XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> Cc : XXXX   <XXXX> ; XXXX   <XXXX> Subject : Re : FDCPA Violation Date : Wed, XX/XX/2018 XXXX XXXX Good evening, I called the Executive Office today and spoke with someone that hung up on me.

Information Requested : DOB : XX/XX/XXXX Last 4 : XXXX  On the original case that was not answered. The second person I reached indicated they would submit a new case. A letter requesting the above information was received this past Saturday XX/XX/18. This allowed three business days to respond. However speaking today with the Executive Office and being the third business day does not allow enough time for us to respond with this information.

A response a not received on the first case and appears there will not be one one this second case. Now a third case is being opened. This is unacceptable customer service /customer experience.

We request that this matter be reviewed in a timely manner.

Best, XXXX XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX  <XXXX> To : XXXX  <XXXX> ; XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> Cc : XXXX   <XXXX> Sent : Mon, XX/XX/2018 XXXX XXXX   Subject : Re : FDCPA Violation Good morning , A letter with a resolution was never provided to us. Instead you moved forward with a garnishment of wages.

We spoke with the Executive Office Rep once. I received one voicemail before that.

Escalation protocols were not followed on this case.

This matter is going to be referred to the CFPB and OCC. This matter will include you mishandling of the complaint.

Best, XXXX XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX <XXXX> To : XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> ; XXXX.XXXX   <XXXX> Sent : Sun, XX/XX/2018 XXXX XXXX   Subject : FDCPA Violation Dear Capital One Executive Office, Judgement paperwork was received on XX/XX/2018 in the amount of {$1800.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Notification of the hearing was not provided. In addition while the account was past due / in collections, and/or with your third party collections agency you violated the FDCPA ( Fair Debt Collections Act ).

Detailed messages had been left on familys voicemails as to what the call was about ie a past due account. In addition some people had been reached and verbally was told detailed information, called multiple times, and they felt harassed.

We request that you pull and review the phones called the account was past due. Attempts to set up a payment plan and a settlement ( less than owed ) had been made on this account.

Re : Account Ending : XXXX Desired Resolution : Settle the existing judgement ( {$1800.00} ) to {$0.00} ( XXXX  ) for the grief and law violations.

We hope to resolve this matter without engaging the OCC, NY Attorney General, Governor, Senator, and other regulatory agencies I.e. CFPB.

Best, XXXX XXXX XXXX ( brother ) in behalf of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was showing that I had to socials numbers merge accounts, so I had to prove my identity majority of the information was removed. After I prove my identity now its returned. Please fix the problem.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute and resolution process was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citi Access checking account with a {$50.00} initial fund. For context, I had already been one of their XXXX XXXX credit card customers, and they were promoting a {$450.00} bonus that required opening a checking account and funding it with a total of {$6000.00}. On XX/XX/XXXX, I transferred {$2500.00} to the XXXX checking account. On XX/XX/XXXX, I transferred in an additional {$2000.00}. On XX/XX/XXXX, I transferred in {$1500.00} more. All of these funds came from my XXXX checking account, and I can show the transactions for proof. My balance in the Citi XXXX checking account reached {$6000.00} at this point, and the bonus requirements were consequently fulfilled, and I received a 1099-INT confirming this. On XX/XX/XXXX, I transferred {$3000.00} out of the XXXX checking account. To my surprise, on XX/XX/XXXX, I received an email from Citibank with the subject " Your Citi account ( s ) will automatically close within 60 days ''. The email also stated that they will send any funds belonging to me to my address on the account. I called their customer service immediately, and they told me they were investigating and that they will send me a letter with a code to confirm my identity. I never received this letter. I called again, and they said I will receive a check in the mail for my funds. Today is XX/XX/XXXX, and I still have not received the {$3000.00} that were still in the account when they closed it or the {$450.00} bonus. Their customer service agents have not been helpful at all. In the last call, they told me to go to a branch, but I currently live in XXXX  where they do not have any branches. I am a XXXX  XXXX  and a XXXX XXXX who can not just travel to another state at this time of the year. Note that they had already verified my identity as I have provided every bit of information they asked for and my account access to the Double Cash credit card was restored. I am in urgent need of the funds that were left in the XXXX checking account, and this whole ordeal has put me through so much stress. Over 78 days have passed since this started, they already reverified my identity, and I feel very mistreated as a Citibank client.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit card

I received a Discover card in the mail in XX/XX/XXXX that arrived ready to be activated, on an account I officially closed in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

my account was paid and closed. 

My account is showing late payments from XXXX I am now unable to get a mortgage due to this. 

I need these latepayments off my credit report because i was never aware of my account still having a balance, and thought it was already closed prior to XX/XX/year>
Product: Debt collection

On XX/XX/XXXX I received a call from Bonded Adjustment Co. while I was driving. The lady told me she was a debt collector trying to settle a medical debt from the end of XX/XX/XXXX. I told her it was in dispute with the insurance company, and that I would be disputing it through the state insurance commissioners office. I also requested that she send me a letter in the mail, as I couldn't write anything down. I told her either way it would get paid. I didn't receive a letter from Bonded Adjustment Co. Fast forward to XX/XX/XXXX, I was notified by my credit monitoring service that a derogatory account had been opened in my name. The next day I called Bonded Adjustment Co to find out how to settle the debt, they said to pay online using my account number that was on a letter. I told them that I didn't get a letter, she huffed and said she would look it up, gave me the number and the amount owing. I went online the same day to pay it, and continue to try and get resolve from the State insurance commissioners office. 

Bonded Adjustment Co in-consistent procedure in taking on a new debt client, by not sending out a debt collection letter has cost me being declined for credit twice, and will inhibit me from getting new contracts for business therefore limiting my families income.
Product: Credit reporting, credit repair services, 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, has violated my rights .

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 Transunion XXXX XXXX XXXX XXXXXXXX inaccurate information and invalid information. My identity was stolen below is my consumer report :? 
XXXX Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Debt collection

I did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. 
I am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. 
I then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. 
CHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME.
Product: Vehicle loan or lease

The actions of XXXX XXXX has damaged my credit and allowed XXXX XXXX to try and escape further litigation for defective products.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am attaching my letter-response to the company, with attachments, which explains in detail the circumstances of my complaint. I never received a response to my letter from the company.
Product: Debt collection

This account is on my credit report and is not my debt. I have never been contacted in any way by this company regarding this debt and would like it permanently removed off of credit report.
Product: Debt collection

Today I got a letter from Jefferson Capitol about XXXX XXXX  that said I owe them XXXX .... The letter was addressed to my old married name which I have been divorced 20 years and got my maiden name back and not gone by anything but my maiden name most of my adult life ... I have not even had a XXXX XXXX  account ever in my adult life to my knowledge. I had a savings as a child 25 years ago with my grandma and thats all I ever had there ... I think this is a scam company or something because this isnt mine and if it is I was a child ... Im XXXX now ... I got divorced at XXXX, Im unclear how they would even know that name, but XXXX hasnt been my last name in over 20 years ...
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process. 

Below is a list of the items I am disputing : XXXX. ) XXXX Account XXXX XXXX XXXX {$200.00} XXXX. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX {$24000.00} XXXX. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$2100.00} XXXX. ) XXXX XXXX XXXX XXXX Account # XXXX XXXX {$4500.00} XXXX. ) XXXX XXXX XXXX XXXX Account # XXXX XXXX {$41000.00} XXXX. ) XXXX XXXX XXXX XXXX Account # XXXX XXXX {$35.00}, XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX {$480000.00} XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX {$990.00} XXXX. ) XXXX XXXX XXXX Account # XXXX Balance {$2.00} Please remove the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following inquiries : XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  date XX/XX/XXXXXXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit reporting and proper handling of disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with CFPB, the Federal Trade Commision ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 

Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions, I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Keep getting calls from Credit control llc about debt collection. I do not owe any money and all my accounts I do have are paid on time every month. I am thinking these calls are for the person who previously had my number. I want the calls to stop. This is harassment!
Product: Credit reporting or other personal consumer reports

This is just a update for XXXX. 

I did not see where to update a open case so I apologize for putting it here. I ha e heard from Transunion who say they will not remove the fraudulent activity from my account. They say to contact the credit union who tells me to contact them. I am going in circles in dealing with both of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I bank with Chime, a division of XXXX. 

After sending {$18.00} to my mother through XXXX ( her account is named XXXX XXXX, she rents out her property in Hawaii, her house is # XXXX in XXXX homes in XXXX, Hawaii ). 

Previously, Chime charged me twice for taking out {$160.00}. I called them about it multiple times, they stated it was an ATM adjustment since the ATM did not charge properly. They have now refunded it, locked my account and will not talk to me about it. 

I frequently use ATMs to pull out cash and never have I been questioned. I can not access my funds, my paycheck was denied and my stimulus due to the suspension. I have rent due, I need food and my electricity will be shut off. 

Chime keeps requesting my social security card which I have refused.