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

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : - DPT EDXXXX : # XXXX - DPT ED/XXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

These accounts range from 13 to 15 years old ( XXXX ), constituting a significant violation of my consumer rights. 

I request the immediate deletion of these accounts. XXXX has already deleted these accounts in recognition of this violation. XXXX and TransUnion must now take immediate action to rectify this violation.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account XXXX XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account.
Product: Debt collection

To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. 
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. 
I demand the following account to be verified or removed immediately. 

FINANCIAL DATA SYSTEMS XXXX XXXX XXXX XXXX XXXX, NC XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. 

Best regards, XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX I had to be taken to the emergency department at our local hospital. After being seen and released with not resolution, I started a dispute with the hospital stating that I had not received proper care. As of XX/XX/XXXX, the case was still under investigation by the patient services at the hospital. It was n't until after the Collection was added to my credit profile that the dispute was resolved. Collection Recovery did not send me any notification of this and they also reported to the credit bureaus ( XX/XX/XXXX ) prior to the XXXX XXXX XXXX XXXX agreement of waiting 180 days before reporting medical debts and prior to the resolution of the original dispute with the hospital. During the dispute with the hospital, I was told that all debt owed for the visit was part of the dispute and that there were no other bills associated with the visit. I did not find out that the hospital had separated the hospital bill from the physicians ' charges until I received an alert from my credit monitoring that Choice Recovery had put a collection on my profile. Immediately after finding out, I called the original creditor listed, XXXX XXXX XXXX and while on the phone with them I paid the {$24.00}. But Choice Recovery reports that I paid them, which is not the truth. I paid XXXX XXXX XXXX while on the phone with their customer service. If they accepted the payment on behalf of Choice Recovery, I should have been told that was the case. Since then insurance has reimbursed me for the expense of paying this out of my pocket. If insurance paid for this, whether prior to their reporting or after, they still should not list it on my credit profiles according to the XXXX XXXX XXXX XXXX agreement. The processed used by Choice Recovery of reporting to the credit bureaus without providing a notice to the consumer is in violation of the Fair Credit Reporting Act as well. A complaint has also been filed with the Ohio XXXX XXXX office and the local BBB agencies. I have called the original creditor, XXXX XXXX XXXX many times and have been told that they have requested to Choice Recovery to remove the entry because they have verified that I wasNOT notified of the debt. However, Choice Recovery is still reporting this to the credit bureaus.
Product: Credit reporting or other personal consumer reports

A third party is suing me for something from 2015 I already disputed that wasn't mine from XXXX.
Product: Credit card

I purchased a XXXX from an XXXX seller and it was not as advertised. The product was damaged. I contacted XXXX support and they asked me to return the item back to seller and I provided both seller and XXXX with a tracking number. The tracking number for the item I shipped back is XXXX XXXX. XXXX told me they could not refund me the amount owed. The product is {$1000.00} and I paid an additional {$89.00} to ship the item back to seller. I called Capitol One and asked them to dispute the charge of {$1000.00} after I gave them the appropriate documents by email and also submitted to them the tracking number for my return. Capitol One told me I had to wait 10 business days to receive a refund. I contacted them again after 10 business days and Capitol One told me to wait another 10 business days. I feel like I will not be getting my refund of {$1000.00} especially when the tracking number proves I returned the item back to seller on XXXX XXXX, 2016 and I am still not issued a refund. Capitol One is also charging me interest charges for the amount I am disputing as well.
Product: Credit card

On XX/XX/XXXX when making a {$55.00} purchase at XXXX XXXX XXXX XXXX in XXXX FL. 
The salesperson offered me a credit card to pay for that purchase with no fees or any charges, which I accepted thinking was a good thing. 
After a month, I didnt receive any statements or even the physical card, just an email reminding of the payment due, already charging late fees. 
I am an XXXX, single mother, and this was one of my first credit cards, so I believed what the and the salesperson told me, that would be no fees or other charges. 
I thought I would pay for the amount purchased. They never informed me about the interest charged when paying the minimum. After 2 months I couldnt keep up with the full amount payment because the balance was always increasing, even though I was making regular payments on the due dates. 
The bank started calling me every day, more than 20 times a day, and every time I asked for a payment plan, a settlement, it was denied. 
The last purchase was XX/XX/XXXX and Ive been trying to settle with them since then, but this bank only accepts payment in full of the balance, with no relief of fees or interest. 
My actual debt is only {$430.00}, and I offered them to pay {$100.00} in XXXX installments, but the answer was always no. 
The attendants on the phone are always rude and disrespectful, even laughing when I offered to settle, telling me in a threatening tone that my credit would be ruined. 
I believe the bank wants the debt to increase more and more. 
The current balance is {$650.00} and I have no means to pay all at once with incredible high fees and interest.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, IN Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX.Heres my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.
Product: Credit card or prepaid card

I tried making a payment on line but never received my credit card with the account number on it. My bill does nt have the full account number on it. I spoke with a representative of city bank the institution that i have the visa credit card through. The representative said she would send me the credit card 4 weeks ago. I have not recieved the cards. I cant make a payment over the phone and access my account without the account number. I sent a payment in by check but it was late. Citi bank charged me a late fee. I cant use the service they provide as an alternative method of payment without the account number. I believe they purposly dont send the card so you'll be late on the payment. This isn't fare. I can send it in by regular mail no problem but this is deceptive. I want the cards and the late fee removed. I cant even use a card I dont have. The account ends in XXXX thats all info they give you on the bill. And I cant get anybody from customer service on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$2200.00} Closed CXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1400.00} Closed XXXX/XXXX Reported : XX/XX/XXXX+ {$0.00} Closed XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XX/XX/XXXX + {$4100.00} In good standing DEPT OF ED / XXXX   not mines Reported : XX/XX/XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX   XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX   ) XXXX-XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX-XXXX XXXX XXXX  Inquiry :XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX + Finance/Personal ( XXXX  ) XXXX-XXXX XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX   ) XXXX-XXXX RISE Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX  ) XXXX-XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry :XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX-XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX-XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX Reported :XX/XX/XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$860.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 XXXX. 
XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

I believe that Wells Fargo unjustly charged me for flood insurance. In XXXX of XXXX, I received a letter from WF stating that I did not have flood insurance and per their policy, if I did not send proof that I was not in a flood zone, my escrow account would be charged. WF stated that in XXXX of XXXX, they received a letter from my past flood insurance agent stating that I was not covered by them because of lack of payment. WF told me that they did not act on this information at that time. Previously, out of an abundance of caution, I had purchased flood insurance even though I was not in a flood zone, and my house was raised XXXX feet above the ground. When the cost rose, I chose not to renew the policy. 

My account was charged {$1300.00} on XX/XX/XXXX, to cover a flood policy dated XX/XX/XXXX XX/XX/XXXX. I sent in a XXXX  from XXXX dated XX/XX/XXXX, which showed that I had not been in a flood zone since XXXX. WF stated that since the XXXX was dated XX/XX/XXXX, and the policy was for XXXX XXXX, it was their rule that the payment stand as is. Again, I received the request from WF in XXXX of XXXX and therefore could not have sent it before XX/XX/XXXX. I spoke with several employees of the XXXX  flood map team, and they all said that my XXXX was proof that I was not in a flood zone during the time in question. 

After many months of talking to Wells Fargo customer service, their insurance department, and many escalation representatives to try to resolve this issue, WF opened a case at the executive level on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I was told that the ruling stood, and my account would not be refunded. My loan was transferred to XXXX XXXX the day after that decision was made on XX/XX/XXXX. During the time that I was debating this, I was told by a supervisor on the executive customer service team that he knew this was unfair, but it was WF policy. I feel that this is unethical, and I would like WF to send a refund. Please advise. 

( I was also charged {$1100.00} in XXXX of XXXX for flood insurance, but it was refunded because of the XXXX from XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my lender not able to pull the credit report since XX/XX/XXXX. We have closing of primary home for which Credit report is needed. I have been calling Equifax customer care and XXXX  consumer affairs since XXXX weeks. Also provided supporting documentation by Mail on XX/XX/XXXX and by fax on XX/XX/XXXX. After calling number of times every day there is no update from them. They say Credit file is missing and are not able to trace or restore it. A Master Case number was created to track the issue : XXXX. Could you please help in reaching Equifax and getting a resolution as this is delaying primary residence purchase.
Product: Checking or savings account

So I bought a design from a website called XXXX for XXXX dollars. I currently run an online clothing brand where I promote my clothes to customers that want to buy them. After purchasing the design, I attempted to promote it on social media but was met with a copy right claim saying that I couldnt use the design as I didnt own it. The problem is when you buy a design you OWN IT. Ive tried to contact the merchant from who I bought the design from but he wont get back to me. At this point I dont want the design anymore as I simply cant use it. I have tried to contact my bank Wells Fargo but there nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since at least XXXX of 2017, I have been unable to initiate an online dispute with Experian. I do not have the same problem with XXXX or XXXX. I am able to answer my soft-pull identity verification questions with ease. 

I thought that the issue was perhaps that I did not have a very recent copy of my credit report from Experian. On XXXX XXXX, I attempted to request my free annual report thru the online service. I received an error that I would have to initiate the request manually. I received my credit report by mail, and now on XXXX XXXX, I still can not initiate a dispute online. 

I tried contacting Experian by phone. The representative was unhelpful. There is no technical support team to help. Nor is there any other source of information to fix my issue. I even asked for the name of the executive office with which to write correspondence to get to the bottom of this. The representative provided a PO Box for general credit inquiries, completely ignoring my need for higher level assistance. 

I suspect that Experian has blacklisted me from using the online service to initiate disputes. I do not know for what reason, and without correspondence from them regarding the nature of the blacklist, I 'm unable to rectify the problem.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have an XXXX XXXX credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. XXXX automatically pays the full bill from my XXXX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my XXXX savings account. 

On XXXX and XX/XX/XXXX, XXXX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called XXXX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact XXXX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this 2-3 times already and only one of the two errors have been corrected. 

I still have the second error on my credit report listing as unpaid. This caused my credit score to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXXXXXX Credit Card. They state I was late paying the account in XXXX. Ive checked and my account has been paid every month on time. Ive disputed it with them.silence. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In dispute on my XXXX credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; XXXX VERIFIES this account without verified proof of investigation, which is a violation against Texas XXXX XXXX XXXX and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and LexusNexis Do not share this information.