23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have found out that a credit card was opened under my name without my permission per my credit report that an account was open under my name to Fortiva XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have contacted this company XXXX times and sent over a police report showing fraud was committed. The address that the alarm was added to was an old address I use to live at in XX/XX/2017. I moved out of this house and now reside at a different residence. Every time I call they state that their going to remove the account and nothing happens. This has been over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got denied a loan for a car, and the salesman helped me request copies of my credit reports because he was telling me about repossessions that I'd never had, so I ordered all of my reports. There, I found other things on my reports that I had never heard of, and proceeded to write letters to the XXXX and Experian bureaus disputing a lot of these items, and to XXXX requesting a credit report because they claimed not to find me by my information when I called in, despite XXXX XXXX 's service finding my XXXX report supposedly. ( All were mailed out and received with tracking numbers XXXX, and XXXX on the XXXX. ) Oddly, I didn't hear back from any of the three agencies at all. With XXXX, despite writing and telling them that I was being denied credit and sent them another letter requesting the credit report and checking of all inquiries as there are a LOT on my file that I haven't authorized. I had allowed extra time, this being the first time I'd done this, but someone showed me the FCRA, and said I should write all of them back because since they hadn't replied, all that information should be corrected as they'd passed the time frames of federal law. 

I followed that advice for the other two - XXXX and Experian, and sent a letter stating that they were in violation of the Fair Credit Reporting Act ( that I found a copy of on CFPB 's site ) and XXXX acted swiftly to remove the items from the first report, and I have asked them to check into all this mass amount of inquiries that had appeared in the last year as well, This was sent on XX/XX/2019, but I have not heard back yet. Experian, however, responded on XX/XX/2019 for the first time. They were initially mailed the XX/XX/XXXX, and USPS tracking shows received they received it on XX/XX/2019. However, they did not delete items, and keep responding with saying things have not been removed at this point.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX Equifax and XXXX immediately! 

XXXX XXXX XXXX  XX/XX/2021 {$460.00}
Product: Checking or savings account

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Consumer ID : XXXX XXXX XXXX ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a ChexSystems report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 

Please verify the following account or remove it immediately. 

EXAMPLE 1 : Account Closed by Bank Source of Information : Insert source from your report Reported For : Insert issue from your report EXAMPLE 2 : Unpaid Check Payee : Insert Merchant Name Amount of Check : Insert Amount of Check Sincerely, Your Name
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}.
Product: Credit card

I overnighted a {$900.00} payment to raise my credit limit. I was trying to get a rental car for my trip to XXXX, La to a family reunion that my family wasn't able to go to because my credit card wanted me to wait 7 to 10 days to post to my account. My family was looking forward to go to this event in order to meet with family members that we wanted to meet. Im planning to limit my use of this card from First Progress in the future. I've plan to now use other cards to in protest.
Product: Credit reporting or other personal consumer reports

I noticed a credit inquiry from bank of America on my credit report dated XX/XX/23, which I did not authorize. There is an initial fraud alert on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts, incorrect names and incorrect addresses 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. 
XXXX XXXX XXXX : {$490.00} XXXX XXXX (  XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting D

ear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your

prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

In XXXX i found an account that i didnt recognize. I found out that my XXXX XXXX opened accounts without my knowledege or consent. This is identity theft. These accounts are fraudulent
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate 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 loss and I seek appropriate redress for these violations.
Product: Debt collection

United revenue has posted a collection for {$980.00}, they continue to call and try and collect the debt, after I have stated several times, that this is not my account and I have never had an account with United Revenue. I have disputed this with XXXX with no change. This collection is saying that the original creditor is Texas XXXX XXXX, this is a XXXX violation is this is a medical debt. I have submitted disputes on XX/XX/2024 and XX/XX/2024
Product: Money transfer, virtual currency, or money service

I was accessing my account when I had seen an authorized transaction to my card I thought it was me just forgetting a trial or leaving my card on an app. So I went to cancel it but the app didnt have my card so I contacted CashApp about the issue and for about a week the transactions stopped. But ever since then the transactions that I am not making have continued and have done so daily near hourly for a month or so. Ive been forced to get a new card which was lost in transit because I have not received it in the ETA so now I have no card and dont know what was causing these fraudulent transactions on my CashApp card.
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 to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 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

CCI - Contract Callers Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ( XXXX ) XXXX XXXX : XXXX XXXX me a collection letter on a debt that does n't exist. I phoned the original account holder XXXX XXXX and verified there was no debt. The account was clear with all on time payments. CCI is trying to collect money fraudulently by obtaining account numbers and posing as if there is an active debt. Once I contacted CCI they must " check the validity of the debt '' and will not send any correspondence regarding their invalid fraudulent claim/debt on the account. This business practice is unethical and needs to be addressed and investigated by the governing bureau.
Product: Credit reporting or other personal consumer reports

The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion : XXXX XXXX XXXX
Product: Debt collection

I was billed XXXX for a XXXX I had back in XXXX. This debt was eventually included in a bankruptcy filed in XXXX. This debt was included in my bankruptcy, and Jason Craig & Associates was notified. They continued to try and collect this debt despite this fact. Today is XXXX XXXX XXXX, and this collection agency has sent a letter to me at my new address threatening to submit this old debt to the credit bureaus. Writing them has clearly done no good. Please make them cease and desist.
Product: Checking or savings account

I went for depositing cash at the Bank of America ATM situation near at the bank location XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/19. I sold my motorcycle and had total cash of {$5700.00} ( XXXX {$100.00} ) bill. I drove to the drive-through ATM at the above location in the morning. I logged into my account using my Debit card, entered the pin and chose the option of " deposit ''. The message said I can deposit up to 75 notes. Though I had only XXXX notes, I went ahead with the deposit. The machine took the cash and I heard the machine count cash for about 30 seconds and after 30 seconds I got an error message on the screen saying " System out of service ''. it luckily gave me a receipt of the transaction. The receipt said, that I had deposited {$300.00} and the receipt said there is a problem and asked me to raise the claim on the number from the receipt. I raised the claim and the message i got from the claim that a temporary credit of the missing {$5400.00} will be done and the investigation will continue. After 10 days, I got the email on XX/XX/19 stating that they have checked the ATM machine and could find only {$1800.00}. So they will take back the amount credited the balance of {$3600.00}. I requested for the claim to be investigated again. They stand by their original analysis. 
I definitely feel that there is some disconnect or someone is stealing cash. That if they look at the ATM video, they should be able to find that I deposited a big stash of cash that would count to a total of XXXX notes. I definitely feel that someone is either sealing cash or there is something wrong with the investigation. 
I am attaching the receipt from the ATM machine and the withdrawal receipt from the motorcycle buyer. That has to prove that how much cash approximation on which we made the deal.
Product: Checking or savings account

I filed a complaint when they wrongfully closed mt account with all my money in it. They told you they would issue me my money back for checking and credit builder and then followed up telling me theyd issue a check for {$1.00} and {$2500.00}. 

Now today they are saying it was only {$1.00} and they cant see the {$2500.00} anymore! Are you kidding me? They are stealing? This at that is HALF WHAT WAS OWED TO ME. They told me a deposit and returns that where made to that account almost {$2000.00} more!
Product: Student loan

This is a continuation of complaint XXXX, as I believe it was closed in error. 

FedLoans had my complaint closed because they said I was involved in " pending litigation '' regarding my student loans. We filed for Chapter XXXX bankruptcy on XXXX XXXX, and received a discharge, but there was no other litigation involved and the student loans were not discharged. 

About two weeks ago, after I received your notice that my complaint was closed, I started emailing FedLoans daily to ask for status on my Income-Based Repayment application, which was also filed in XXXX and was never processed or responded to. After several days of emails in which my account was still listed as on hold, they told me " You are in bankruptcy, we are not going to process your application. '' I got a bill this week ( in a letter dated XXXX XXXX ) that said my account payment was two days past due ( XXXX XXXX ), still for the {$1100.00} payment amount. 

I have been trying to get resolution on this issue for EIGHT MONTHS now, and it was the main reason my husband and I had to file for bankruptcy in the first place. FedLoans should have adjusted our payment amount to match the IBR, and they still have n't, and now they ended my forbearance and apparently retroactively started making payments due? ENOUGH IS ENOUGH!
Product: Mortgage

Wells Fargo Home Mortgage has put me in a trial payment period for a loan modification. My online account states that I am in a loan modification trial. I have not requested a loan modification by phone or written correspondence. I DO NOT ACCEPT THE TERMS OF THE LOAN MODIFICATION, AND I WILL NOT SIGN THE PAPERWORK, GET IT NOTARIZED, OR RETURN THE PAPERWORK. I AM REQUESTING TO BE REMOVED THE THE LOAN MODIFICATION TRIAL IMMEDIATELY. Wells Fargo has not applied 4 mortgage payments to my account. Despite the fact that I've requested a detailed explanation as to why my payments have not been applied, WFHM has not provided it. I've been told by WFHM that my statements will be adjusted after I return the loan mod paperwork. Because the payments have not been applied to my account, an overdue amount is stated. I believe WFHM is using the loan mod as an excuse to use a questionable accounting system where they apply payments when it suits them. I believe they are using the money from payments elsewhere, instead of applying them to my account.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX