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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

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 at 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX 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 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive, as they failed to comply with error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau removed my mortgage account from my credit report in XX/XX/2017. My FICO dropped 100 points or more because of this. I called Experian and was told there was nothing they could do. That I needed to call XXXX XXXX XXXX and request they resend the data to them. I did make that call and XXXX said that request had to be made by Experian. So, I called Experian, again, and they refused to assist. I stayed on the phone between the two for hours. They refused to work with one another to correct this error. XXXX did verify they sent data to Experian monthly. I just want an account I have had for almost 20 years reported correctly on my credit report. Both XXXX and XXXX have it listed. If Experian can't report my information correctly ( even when the error is brought to their attention ) then they shouldn't report on me at all! As a consumer expectations for the 3 credit bureaus is set extremely high, as it should be, considering the impact their reporting has on a consumer 's purchasing power.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX  XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
Product: Credit card or prepaid card

I submitted three price rewinds on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I had not received any notification on the status of them, therefore, I called about two weeks ago to get an update. I was told that they were denied for the following reasons. 

XXXX Denied because the price wasnt listed online. I had submitted a picture of the XXXX XXXX Sale price that the store I purchased it from was running. In the picture it clearly stated the offer was valid XX/XX/2019 - XX/XX/2019. If Citi had contacted the store, they could have confirmed it as well. Furthermore, in Citis Terms & Conditions, it clearly states that all that is needed is " A copy of the merchants advertisement showing the lower price for the same item by the same manufacturer '', which is EXACTLY what I provided in the picture. The valid dates in the picture complete the 2nd necessary requirement in Citis Terms & Conditions ( Effective date of the merchants advertised lower price ( must be within 60 days of purchase ) ) XXXX & XXXX Denied because the items ( both XXXX wiper blades ) were considered consumables. In Citis Terms & Conditions, it says Items that can spoil or are consumable and need to be replaced after they have been used for a period of time such as food, fuel, batteries, medications, beauty products or personal care products. are not eligible. Clearly, wiper blades do not fit that criteria nor are they listed. If wiper blades are considered consumables, then every item in the world is a consumable ( i.e. a TV eventually breaks and needs to be replaced ). Furthermore, I have had brake components approved on Citi 's Price Rewind in the past. 

I was told that a Citi Price Protection Supervisor would contact me within 24 hours, however, that never occurred which is why I am contacting the CFPB. I do not know if this behavior is a result of Citis decision to remove the Price Protection Program,  however, it is unlike Citi.
Product: Debt collection

The call started out half human half automated and it rambled on about it being XXXX services and stated that they needed to hear from me or my attorney by today and to refer to file # XXXX. The call came from XXXX. During the call it gave me the option to call back or speak to a representative by pressing XXXX. I elected to speak to a representative. A man named XXXX went on to state that I have an outstanding payday loan that was for {$2500.00} that I never paid back. He states that if I do n't pay they will have the sheriff serve me with documentation to appear in court either at my home or place of employment. I advised him that although he has some of my information not all of that information is mine. He became very nasty calling me a liar. I then advised him that I am not paying a debt that I do not owe and is not mine. I requested that he mail information from the original debt to me, he stated that I had already gotten this information years ago and ignored it. I then asked him to email it and he stated that they do n't send emails. He then gave banking information that I no longer have because I had an issue with payments being taken out for a company that I did n't know. He then told me that he has my SSN and that in the end I will have to pay up or go to jail. When I asked about being sent a noticed by his company due to being taken to court and that I never got it, he stated that it was my problem not his. I told him that I ca n't dispute a debt if I do n't have validation of the debt and I do n't have anything in writing.
Product: Checking or savings account

currently have bank account and I noticed when ever there is aa frud freze or security stop on the card the amount of the transaction is deducted from account and later it says it was returned before the traction even occurred but no money is returned the dollar amount dose not go back I had my unemployment hear as well in another account and did same thing several times but no money ever went back the dollar amount never was apparent in the account
Product: Debt collection

I sent a validation letter to the medical debt company Optimum Outcome INC on XX/XX/2018 ( I attached the certified mail receipt ) and I waited to receive a response to show that this debt is mine and I never received a response. Since I never received a response I sent a 609 letter to both XXXX and XXXX on XX/XX/18 letting both beaus know that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. Both credit beaus responded to my dispute and said they validated the debt and it will not be removed however they also did NOT send me any validation or the steps they took to validate the debt. On XX/XX/2018 I sent a 2nd 609 letter letting both beaus know that this is the 2nd debt validation and explained on the letter that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. I received a response from both beaus on XX/XX/18 stating again that the debt was validated and again they did not send me any proof. This is not my debt and I have been asking for validation since XX/XX/18 and no one will send it to me. Can this account please be removed from my credit reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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

on XX/XX/2019 I contacted TU on the phone based upon a recent alert I received saying that there had to be an error pertaining to my FICO score from TU. 

I advised that my FICO had gone down 50 or more points, for NO reason, no explantion of why, no factors explaining why. 

I spoke to customer service and as advised that I was speaking to representaives in XXXX. I asked why XXXX and XXXX FICO had gone up in the 700 's but TU dropped so dramtically, the represntaive did not understand my question. I repeated myself several times, I then asked for a suprevisore, after 15 mins or so, I female supervisor came on the line. I asked the same question she advised my if I wanted the factors of why FICO dropped I would need to pay XXXX $! I disputed thisa and she said that what its costs, either pay or she cant help me! 

this is a crime, its illegal, there is obviously a error in TU system and no one can answer me, and If pay she can tell me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX. XXXX XXXX, Georgia XXXX SSN : XXXX Complaint : In accordance to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt 15 U.S.C 1681 section 602 A. States U 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 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: Debt collection

This complaint is against accurate collection service which is fully owned by XXXX XXXX XXXX as I was told by their billing department. 

I went to the emergency room in XXXX XXXX XXXX in XXXX during XXXX. And then was told that I was admitted to the hospital for XXXX ( obviously XXXX is the way to remove the source of the pain. Without XXXX, the most that can be done is pain relief medicine which I can take at home ) and to vacate theemergency room since there is not enough emergency room. It turns out that no XXXX was given to me in XXXX   no matter how strongly I requested because there is not enough physician. And they changed the status to hospital observation ( in order to get paid ) without noticing me of that. If it was not for XXXX, I would stop them transferring me to the hospital even if forced to move, and would go home. Staying in the hospital room resulted in physical, financial and emotional harm for me. The so called observation is their language for waiting for XXXX since I was deprived of sleep, freedom and was bothered by people who talked to me and I had to pay them separately. Had I not requested to leave the hospital later realizing the intention was not XXXX, they would have left me in the hospital room for the rest of XXXX. I was told I could not leave the hospital without the release paper. It took a long time for the release paper to be provided to me. In a way this is kidnapping. It is not appropriate to keep patients in hospital to bring revenue for the hospital, while hospital stay is a XXXX  to the patient. 
As a big surprise, the charge for the hospital observation was over {$10000.00}. This is clearly an abuse of the system. The hospital observation is just their way of making additional enormous money and is absolutely not necessary since there was no XXXX. This constitutes fraud to deceive patients to get payments. 
this is very aggressive billing and collections practices. This hospital is non-profit, which should make sure they deserve the tax exemption. More than Enough profit has been made on my case during XXXX  and XXXX consumers need to be protected from unfair and deceptive business practices by hospitals and debt collectors. 

I therefore ask that the bill be fully waived, which is not even enough to compensate for the physical and emotional harm that XXXX XXXX XXXX put on me. 

upon calling their billing department, I feel threatened that after the collection stage, they would send the bill to XXXX XXXX XXXX who would sue for this bill, which is prohibited by federal law. I request no contact in any means from XXXXXXXX XXXX XXXX. I would also like to speak to the president and CEO of XXXX XXXX XXXX. If they do not let me talk to the president and CEO, then this debt is considered waived.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer -- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit card

The Care Credit closed my account XXXX XXXX XXXX XXXX because an unfair reason. 
They said I missed a Mortgage payment with XXXX XXXX. Everything is already fixed since XXXX and because of XXXX mistake I have an Account closed and another account with a Credit Limit decreased - this one is the Care Credit XXXX XXXX XXXX XXXX - they decreased my Limit from {$6500.00} to {$790.00} ... all this because a mistake of XXXX  loan. Everything is so unfair. I had my Credit score low for some weeks, but I disputed with XXXX, XXXX and XXXX- It's all clear since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX

I DID NOT AUTHORIZED THESE INQUIRIES PLEASE DELETE IMMEDIATELY THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

In XXXX XXXX, I enrolled through XXXX in the newly launched " XXXX XXXX XXXX '' program. With this program, you would make monthly payments of roughly {$35.00} per month for 24 months, be sent an XXXX XXXX immediately, and after 12 months of payments, be allowed to upgrade to the new XXXX XXXX XXXX by trading in the first XXXX. This program was financed through Citizens Bank ( CB ).

Once eligible and after 12 payments, I pursued upgrading in XX/XX/XXXX. At this point, I learned that the program had been discontinued with XXXX and was spun off to XXXX. Unsure what this even meant and out of options, I followed the upgrade process through XXXX, not XXXX, and requested the " trade-in kit '' to send back the old XXXX. After a 3-4 months delay due to supply chain logistic " issues '', the trade-in kit finally arrived and I was able to trade it in. After ~16 payments and once the original XXXX finally made it back to XXXX XXXX my Citizens Bank balance account was zeroed out ( though, this was a clunky process too, which monthly statements can confirm ). See attached. 

Months later, I started receiving collections notices for $ XXXX dollars. Confused, I called XXXX and discussed over the phone the balance, telling them I have a balance of XXXX dollars and that they are mistaken. They told me that the upgrade process had spun off another line of credit for 24 MORE MONTHS (!!! ), some of which was overlapping with the 3-4 month period in which I couldn't send back the old XXXX ( their fault, mind you ). It seemed completely ridiculous. 24 more? Did the first 12 I had paid just .... not count? What is the point of the trade-in then? How could I have paid 16 months of payments ( {$560.00} ), and then be required to pay them another {$900.00}? How much do they think an XXXX costs?? I promise you it's not {$1500.00}. 

I never had visibility into this second line of credit. It was never in my Citizens Bank portal because it hadnt been activated and attached for me to see ( it is now, once I did all the work to figure out what was going on ). I only found out about any of this once I had people hounding me down for money that I still don't think I owe. This whole program is a ridiculous racket. The original program was absolutely not a 36 month XXXX deal, and we can't even corroborate that because the program was sold off by XXXX and doesn't exist in that instantiation any longer. 

I have never in my life had credit issues. But I also won't bend the knee to shady junk banks like these guys. It's unreasonable. I've similarly told collectors as well, as Citizens Bank charged the account off and sold the debt around. 

Then, my credit got smoked. I need help. My credit score got crushed, down ( XXXX points from to XXXX ) and I am furious. I'm being held hostage by these slimeballs and I feel abused by poor business practices and policy. 

I want them to make it right. I'm hoping you can help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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