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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I had what I thought was a zero-interest offer from my XXXX  to buy XXXX XXXXXXXX. The company, Comenity Bank, AKA Bread Financial, has a misleading statement. They charged nearly {$700.00} on a {$1000.00} balance. I don't know how that is legal in the U.S. I'm not complaining for the money. The {$700.00} scam fee is unfortunately, but I'll just close the account. I'm worried about the potentially thousands of victims of this company because it operates in the healthcare financing space. Comenity Bank, AKA Bread Financial, is ripping off vulnerable people. I hope the CFPB makes an example of them.
Product: Debt collection

FOREST RECOVERY SERVIC Account : FRSXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

My complaint is against CREDIT KARMA SAVINGS ACCOUNT. 
I have membership with credit karma all. I sent them money months ago, and I tried to link a new account and delete my old account that doesnt exist anymore. I found myself going back and forth with their email reps from XXXX or XXXX, 25 emails, and after hours of wasting time, I asked their rep to give me my funds back in a form of check because their system couldnt save the new banking information. 
After we agreed with the rep that he will send my funds in a form of check he sent it back to my old bank account ( according to their last email ). 
Now they will need to send me the money back in a form of check I dont care what they have to say. Its only XXXX something dollars, but its not fair how they are handling my money and even though I requested something they did something else. Its not normal that a bank who is holding my money, doesnt have customer service, no phone number and their reps dont write their names on the email or worker id. Looks like a big scam and people are falling for it
Product: Money transfer, virtual currency, or money service

I got scammed on cash app a long time ago out of XXXX.
Product: Debt collection

To All Allied Employees, This letter is to request that you Cease and Desist in calling back to back ALL day and night to the telephone numbers of XXXX XXXX ( XXXX ) and/or any third party contacts of relatives, neighbors, etc. in your efforts to collect a debt. You have been auto dialing the numbers back to back to XXXX XXXX 's cell phone and landline of resident, when someone answers, they get a hang up and the numbers are dialed back a few minutes later by numbers listed as XXXX XXXX XXXX XXXX when research in the Internet. The call are considered Robo Calls because there is no human person on the caller 's end when answered. This is strictly the callers intent to harass, annoy and intimidate. Listed below are the recorded calling numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX The majority of callsUnknown NumbersIf you fail to cease the harassing phone calls or harassing efforts immediately, you face legal sanctions under applicable State and Federal law. If these calls are an attempt to collect a debt, I only deal with the original creditors, who have received certified mail that contact be written correspondence only. I have had no income since XXXX, 2014 in which ALL of my creditors were informed, I 'm Judgement Proof ( reason for the repeated harassing phone calls. 

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

TransUnion has allowed XXXX XXXX to access my credit app and they were not authorized. They tell the people I apply with Im deceased but put inquiries on my report from people who wouldnt be touching it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Experian credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These three accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report.

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor.

Dispute the validity of the debt within 30 days of receiving the notice.

Request verification of the debt before any further collection efforts are made.

If the collection account on my credit report does not meet these criteria, it must be removed immediately.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting or other personal consumer reports

Ive never had a contract with Credit Collections and Im unaware why or how you have my personal information. I never received a disclosure to opt out of sharing my personal information with you. I do not give you permission to add this alleged debt to my credit report. Please forward the alleged contract between us to verify this alleged debt is accurate. You have a grave duty to verify that this information is accurate since it bears against my credit worthiness. You have 5 business days to respond to this letter with the requested contract to verify this alleged debt between me and you, Credit Collections. If you choose not to comply, then you choose to break the laws set forth by Congress.
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 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccurate collection account from XXXX XXXX XXXX related to XXXX XXXX. The account information is conflicting across different credit bureaus, with duplicate listings, re-aged dates, and inconsistencies in payment history and status. 

Disputed Account Details : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Amount : {$820.00} Account Numbers : Experian : XXXX XXXX : XXXX Equifax ID XXXX XXXX Reported Dates : Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX ( conflicting with XX/XX/XXXX, and XX/XX/XXXX ) Issues with the Reporting : Duplicate Listings : The same debt appears multiple times under different account IDs.

Conflicting Payment Histories & Dates : The account status, payment records, and date of last activity do not match across credit bureaus.

Re-Aging of Debt : The debt appears to have been illegally re-aged, which violates FCRA Section 605 ( c ).
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. 
The following accounts below has violated my rights : XXXX : Account Number. # XXXX XXXX XXXX XXXX  XXXX : Account Number # XXXX XXXX : Account Number # XXXX XXXX XXXX XXXX  : Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX : Account Number # XXXX XXXX XXXX : Account Number # XXXX 15 USC 1681 section 602 A States I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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

Wrongful collection filled behalf of XXXX even though my account were paid in full I have called XXXX and there were no balance ( {$0.00} ) due nor they hired I C System to collect the debt on my account. I C System illegally reporting collection in m y credit report. I C System representative XXXX XXXX refused verify my dispute with XXXX XXXX  account XXXX account paid in full and still they are reporting collection in my credit report My Direct phone XXXX My XXXX account # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received a text message on XX/XX/XXXX asking whether I attempted to purchase {$500.00} at XXXX XXXXXXXX  which I replied 'NO '. Got a text message back stating a new card will be sent out. I called them back stating my Mom 's credit card was stolen from her wallet along with my sister debit card. Not only {$500.00} from XXXX XXXX was charged to my account but {$2900.00} was charged from XXXX XXXX. I called about this fraudulent charges and was told they would note the account and investigate. I called them back after not hearing from them for 3 weeks. I was told they need to escalate and reopen the investigation for additional 10 -15 business days. I called them again pressing on the status since those charges were still in my account. Several days later, my Mom, a Chase XXXX and I were in a conference call detailing the theft incident. Several more weeks pass and was told by Chase those charges were valid and they will remain in my account. Huh?! What investigation and how did you come up with that decision? Of course, no reason was given and now it is up to ME to do all the investigation, provide documentation to prove my innocence. I had to ask my sister and my XXXX yr mother now to go to the police station to file a police report. A police report was filed on XX/XX/XXXX detailing the incident and now it is being investigated by the XXXX Police Dept in XXXX XXXX, NJ ( case # ; XXXX ). I had spoken with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX from Chase. None of them would give their last name or provide a direct number to call, so everytime you call Chase, you need to tell the WHOLE story again even though it was escalated at least 3 times. So in the meantime, there are those 2 charges that are fraudulent in my account and Chase stipulating those charges were found to be valid according to their 'investigation '. They did not investigate ANYTHING besides the thief that stole the card made the purchase at those stores. No signature receipt, no photo/video survaillence or anything. It is now up to the Police Dept to go to those store and demand surveaillance to show our innocence. This is unbelievable and the incompetence to Chase is shameful. Basically, they accuse you being guilty until you are proven innocent, leave all the legwork to be done by you and claim they did their investigation to claim their findings without an explanation. This institution is incompetent to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Equifax consumer report I found several inconsistency reporting on this account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX It is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information XXXX. XXXX XXXX I paid but missing actual payment amount. See my bank statement. 
XXXX. XXXX XXXX I paid but missing actual payment amount no data. 
XXXX. XX/XX/2022 Incorrect actual payment amount. 
Equifax had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report.