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

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies have 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 card

On XX/XX/2023 Barclays closed all my credit card accounts without my knowledge. On XX/XX/2023 I received 4 letters on the mail detailing these closings. I never agreed to this and would like my accounts reinstated.
Product: Checking or savings account

I contacted Chase because they put thru a {$31.00} charge after I had paid for a stop payment. I was informed that I had to place a stop on ACH transactions as well. I was informed of this on XX/XX/XXXX and not prior to this date when i placed the stop payment in XXXX. It sbould be mentioned that the merchant obtained my bank account information without mybpermisdion. I expressed this concern to Chase. I also mentioned the merchant charged my Chase account and the new card I placed on file with the merchant, XX/XX/XXXX transaction on screenshot attached. I was asked to fax or mail my proof of the duplicate transactions. I was provided case number XXXX, fax number XXXX and and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I went to my local library and faxed the required documents. I faxed again on XX/XX/XXXX and XX/XX/XXXXafter receiving emails stating more information was needed on my claim. Today XX/XX/XXXX I receive an alert that my account was overdrawn. When I checked Chase has reversed the provisional credit.
Product: Debt collection

I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. XXXX XXXX XXXX will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to XXXX XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my XXXX in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even abc financial called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute an inaccuracy on my credit report regarding the XXXX XXXX XXXX XXXX account. After reviewing my report, I have found incorrect information that needs to be corrected immediately. 

The specific inaccuracy pertains to the Status Updated date listed as XX/XX/XXXX, whereas my last payment was reported as XX/XX/XXXX. If the account was charged off, the date should reflect the last payment activity accurately. Additionally, the balance update date of XX/XX/XXXX, appears incorrect, as it suggests future reporting, which is not possible. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, verifiable, and timely. I request that Experian investigate this account and correct the discrepancies, removing any outdated or incorrect information that misrepresents my financial standing.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Notice of Disputed Debt and Request for Compliance with Consumer Protection Laws I am writing to formally dispute the accuracy and validity of a debt reported by your agency, XXXX, and to notify you of potential violations of consumer protection laws. The details of the accounts in question are as follows : XXXX : Date Opened XXXX, Date of Last Activity XXXX Experian : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date of Last Activity XXXX The original creditor is listed as XXXX XXXXXXXX XXXX. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Unverified Accounts : According to the FCRA, credit reporting agencies are required to verify the accuracy of any disputed accounts within 30 days. Despite my previous dispute, Experian and XXXX have not verified the account. This failure to verify and update the status of the disputed account violates my rights under the FCRA ( 15 U.S.C. 1681i ). 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Validation of Debt : Under the FDCPA ( 15 U.S.C. 1692g ), upon my request, you are required to provide validation of the debt within 30 days. To date, I have not received sufficient validation from XXXX regarding the debt associated with XXXX XXXX XXXX. 
False or Misleading Representation : The inconsistent reporting dates across different credit bureaus suggest potential inaccuracies and false representation of the debt, which is a violation of the FDCPA ( 15 U.S.C. 1692e ). 
Actions Required : Immediately cease all collection activities until this matter is resolved. 
Provide written verification of the debt, including the name and address of the original creditor, the amount of the debt, and evidence that I am legally obligated to pay. 
Notify XXXX, Experian, and XXXX to delete the disputed account from my credit reports until proper verification is completed. 
Failure to comply with these demands may result in legal action to enforce my rights under the FCRA and FDCPA. I expect a prompt response to this letter within 30 days, as mandated by law. 

Please be advised that I am documenting all correspondence and retaining all records for my protection. If you have any questions or need additional information, you may contact me in writing at the address provided above. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint 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 items 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, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.
Product: Debt collection

I called the credit card company and made an offer to settle my account for less than the amount owed due to my circumstance ( recently widowed with overwhelming debt ) I made the offer of XXXX and was told they would accept XXXX which I immediately paid via the telephone. Today I received a bill for the outstanding balance! When I called I was told that the bank did not approve the settlement. When I said I gave the payment and it showed on my account I was told that it was from an agency. I had no idea I was not dealing with the bank since how did this agency have all my information on this debt. I asked for the money to be refunded so I could start the correct settlement on my account and they refused. Now they have my money and I am still in debt and they told me to negotiate. With what? They already have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Debt collection

On XX/XX/2018 I pulled a hard copy of my credit report and noticed a negative collection account. That was my first time every seeing anything from that company. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. 

Its been over 30 days and I have yet to receive any response.
Product: Credit card

I called the Fraud department of First Progress Credit Card company in XXXX of this year after noticing charges from XXXX XXXX XXXX for {$26.00} for 2 months after I reported the card lost. I wasn't sure why I would be charged for it when I didn't authorize such charge. I then went all the way back to when I first opened the account and went through all the statements and noticed that when I reported the card lost the first time, I not only got a new card number but now this XXXX charge showed up. I never noticed this until I saw the charges this year after I reported the card lost. I spoke to a fraud department agent every month since, because every time they would give me a credit, there appears another charge for the same amount after. Every time I would see this I would call to dispute and ask why i haven't receive the credit for the other months from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I spoke to an agent in XXXX and He suggested that I close the account and get the deposit back since it's a secured card with a {$1000.00} deposit. Then get a new card with a new account. I told him I don't want to do all of that until I receive the money back that I paid for all of the charges that I never authorized. Even after reporting the card lost or fraudulent activities happening over a 2 year period, I still see this charge. I'm continuing to monitor the account until they can get it resolved but it seems like they just don't want to do the right thing. XXXX has issued several credits to my account but not sure why not the rest of the months that was charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect consumers ' rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is XXXX bankruptcies reported on my credit report within XXXX  year span, This information is incorrect. Bankruptcy courts do not report filing with credit agencies And it is impossible for anyone to file XXXX bankruptcies in XXXX  year. I have disputed and they have never verified where they get their information. I have been disputing this since 2018 XXXX removed it but transunion and XXXX has not
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS NOT MADE AWARE BY THE BUSINESS OF MY RIGHT TO OPT OUT
Product: Credit reporting or other personal consumer reports

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) due too inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) .Specifically, cash app failed take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with errors 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: Debt collection

I received a letter from ACE CASH EXPRESS dated XXXX It states item, Check # XXXX dated XXXX in my name was returned from bank due to XXXX  on XXXX  ACE IS Requesting {$320.00} which includes a {$25.00} fee. 

I have NEVER visited or written a check to ACE CASH EXPRESS. I have not visited XXXX, XXXX What really weird/strange/suspicious is my son received the exact same letter from ACE CASH EXPRESS with his name on it. 

The letter includes Options to pay 1 ) online at myacefile.com 2 ) call XXXX XXXX ) pay in storelocal ACE CASH EXPRESS. 

The ending has Sincerely XXXX XXXX XXXX check Collection XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the official free credit report site and tried to get reports from the three agencies because of the recent major breach of security. 

I tried several times ( going through all the rigmarole of entering my information correctly each time, and the captcha at the end ) but when I went to the XXXX and Experian websites, they both said they were loading but ended up with a blank page after they were done loading. 

I do n't know if the site is overloaded, but this is extremely poor performance, and the contractor responsible for of the site should be penalized for this failure.
Product: Credit reporting or other personal consumer reports

I tried to contact the company and say that someone stole my identity but nothing was done
Product: Credit reporting or other personal consumer reports

no communication from this company reported late and chargoff on my XXXX  and experian credit report sent a certified letter asking for debt validation with no response
Product: Credit card or prepaid card

On XX/XX/XXXX an XXXX  unauthorized purchase was made for {$1500.00} on my Sams club master credit card. On XX/XX/XXXX unauthorized purchases were made to XXXX for {$3700.00}, XXXX for {$1500.00}, XXXX for XXXX, XXXX {$2000.00}, XXXX for {$1100.00}, XXXX for XXXX, and XXXX for XXXX also, on my Sams club master club card. On XX/XX/XXXX, I noticed the unauthorized activity and call Sams club credit to inform them of the unauthorized charges. They reassured me that if I didnt make the charges that I would not be financially responsible for those charges. They said that it would be handled by their fraud investigation. I received a Fraud Investigation Form that was dated XX/XX/XXXX. I filled it out, explaining that I did not make those charges, how my credit card was in possession, how my account was hacked, my address was change, my email address was changed, along with my phone number. Also, my alerts were changed and my credit limit was increased and none of these change of events set off suspicious activity alerts to the Sams club credit. I sent the form back and I was notified that they felt that I authorized, participated in, or benefited from the purchases. I called them to see how this could be possible how could they make that wrong determination and they said that the chip was used. I have since discovered that the XXXX purchases were made in Florida. There is no way I made those purchases, I was in XXXX XXXX, Puerto Rico when those purchases were made, and my Sams club credit card was in possession and is still in my possession.