23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX, several credit cards were opened in my name, the same week my ex wife and I sold our house. I have a fraud freeze on my accounts via the 3 major credit bureaus. 

On XX/XX/XXXX, someone fraudulently opened a XXXX XXXXXXXX XXXX checking account in my name. After receiving congratulatory emails and Texts from XXXX, I contacted them and was able to close those accounts. At that time, I also created a XXXX  security alert. I have since placed a security freeze. 

On XXXX, XXXX, XXXX, I received a congratulatory email from Albert, a prepaid card/ direct deposit company that has an app called Albert . See https : //albert.com They said I successfully opened an account with an account number from XXXX XXXX  XXXX XXXX Ohio XXXX 

I contacted XXXX XXXX. After several days leaving voicemail messages, someone ( XXXX  ) finally called me back. 

XXXX XXXX  said I don't have an account with XXXX XXXX  but that XXXX XXXX  supplies the plastic cards to companies like Albert. They said the nature of these accounts is for direct deposit. XXXX XXXX  said I should check to verify where my checks from my employer are being direct deposited. 

However, many people also use direct deposit for their tax returns. I have less control over that. What if this person decides to fraudulently submit a tax return in my name? 

I have emailed Albert at support@albert.com asking them to close the fraudulent account. 

I have also filled out an online contact form regarding prepaid accounts at XXXX XXXX  's website, XXXX XXXX XXXXXXXX. Under the section for Prepaid Accounts ( including Albert ) there is a " Contact Us '' button where you can file a complaint for the Prepaid Accounts.

With that all said, the Albert account is still open. I don't know what to do. I need your help closing this one and preventing future checking account/ direct deposit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : NAVIENT XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continued willful disregard of the law. I have filed several complaints and send several letters on a XXXX account. They are reporting that this account was opened on XXXX XXXX in which is inaccurate. i have requested thar Experian provide a copy of a first payment with some documented proof that support there reporting in which they have failed to send anything no contract or any documented proof which means this account has not been properly verified as they claim. Any automated response or XXXX XXXX verification is unacceptable.
Product: Debt collection

I was seen a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC. A two hour XXXX  visit cost {$19000.00}. My husband had paid some on the bill until i received a print out for the bill and there were four bags of XXXX XXXX. The charge was {$250.00} per bag. I only received one bag. This is over charging and falsifying charges. I am an XXXX  and was even working there as a XXXX XXXX. ( 4 bags ) is equal to XXXX XXXX. This amount would cover a four day in XXXX XXXX. This is falsifying charges. This is a for profit facility. I have spoken with them repeatedly. The balance is down to {$330.00}. This is an over charge of {$750.00} dollar for XXXX XXXX  not received. I was there for only two hours back in a room. I was there for about four hours. This much XXXX XXXX would cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still disagreeing with the charges from XXXX XXXX XXXX. Now they still refuse to correct their mistake or refund us the over-payment and have forwarded the final balance of {$330.00}, which I do not owe to a new collection agency named Capio Partner located in XXXX Texas for account # XXXX for a date of service XXXX have disputed this amount with XXXX XXXX XXXX and the FTC . I do not owe this amount. I should be getting a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I opened Bank of America Premium Rewards credit card in XXXX, which include annually {$100.00} Airline Incidental Statement credit qualifying such as baggage fees. 
I made a baggage payment of {$30.00} on XXXX with XXXX XXXX XXXX however, never receive the Statement credit. ( I still have {$30.00} credit allowance in 2019 on my account ) Called BOA customer service and they told me {$30.00} credit will applied on my account after current statement closed. 
Today is XXXX, which my last statement was closed over 7 days, I still do not see the reverse credit applied.
Product: Checking or savings account

On XXXX XXXX at approx XXXX I went to the atm machine of chase bank at XXXX XXXX XXXX XXXX XXXX to deposit {$1000.00} in cash ( 10 {$100.00} bills ). When the machine asked for me to insert the money I put it all in. The machine had a glitch or something because some came back out, I put the remaining bills back in. While I waited the machine reset to main screen. Never giving me a receipt or pushing my money back out. I drove around and went to the drive through window and told the woman what happened. She said dont worry, Ill give you a number to call and theyll put the funds right into your account. Upon pulling away I called and opened a claim. I was told again dont worry the funds will be in your account in a couple of hours. I called back early afternoon as they hadnt put the funds in. I was then told wait until XXXX. Again nothing. Called again at XXXX told again it be there by end of the day I said its Friday night now XXXX. I was told not to worry their day ends at XXXX. Well again it never happened. I called back very upset and demanded to speak to a supervisor. He said hed handle it and the money was finally deposited. I was told an full investigation would be done by the XXXX. Today is XXXX XXXX and I got a letter from chase stating theyre taking back {$930.00}. I immediately called and was told they got only {$66.00} deposited. I said thats impossible as I deposited 10 {$100.00} bills. What do I do? He asked me to hold on.came back after a long wait and said hes sorry but thats what they decided. I said they need to check the cameras theyll clearly see I deposited 10 {$100.00} bills. He wasnt helping. I hung up. Called back spoke to someone else and demanded to speak to a supervisor. He said he could help. I said Ill be at the branch at XXXX Monday morning XXXX XXXX and I expect to see the cameras. He said he would send a message and I could go Monday at XXXX and will be able to see the cameras. As chase customer for almost 30 yrs Im so upset. This glitch in this atm wasnt my fault and they need to look at these cameras and recount the atm money. Its apparent something is off with the amount since theyre stating I only deposited {$66.00}. I plan to close this account Monday and they better figure this out asap and apologize. Now I have to lose time from work Monday for the banks error!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA. 

The following account ( XXXX ) remain inaccurately listed on my credit report : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information/ no knowledge of this acct Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.
Product: Credit reporting or other personal consumer reports

I have disputed information on my consumer report multiple times and the following agencies Experian, XXXX and XXXX continue to report inaccurate information on my consumer reports. They continue to violate the consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 
They have failed to follow the laws and continue to violate them.
Product: Debt collection

I have received phone calls from unknown numbers saying they are taking legal action against me. They said they were Portfolio Recovery. They were leaving me harassing voicemails. I had to block these unknown numbers.
Product: Credit reporting or other personal consumer reports

I contact experian 2 times about the same account not being 100 % accurate and complete. also the dispute status was not update last month. i got a email from experian saying my dispute is ready and when i open the dispute on there website they tell me to call them. i want everything through mail. i don't talk on the phone
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



XXXX XXXX XX/XX/XXXX {$2400.00} INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

Once again XXXX Finance company had place excessive fees, interest on a vehicle loan that i have been struggling with for nearly 7 years. I recently discovered that XXXX has been excessively adding interest to the same loan that was opened in XX/XX/XXXX. XXXX states that the balance owed on the XXXX XXXX XXXX is XXXX. I have struggled with this high interest loan since XXXX at XXXX monthly. Some payments were missed due to economic inflation. However, XXXX is continuing to add excessive fees and interest on the vehicle loan extended the life of the loan for another 2 years bring a XXXX car to a near XXXX price. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this debt on my credit report. I informed the company they are reporting inaccurate information such as my name. They responded with a copy of a signed lease. The name on the lease does not match the name they are reporting on my credit report. I reached out for debt validation on XX/XX/2019. I also reached out the XXXX and advised that there is an incorrect name on my credit report. I was told by XXXX   that Hunter Warfield would have to correct because it was linked to an account. I never received a summary of the charges and where this amount accumulated from. I also requested a copy of the application to be sent to me with the name matching that is being reported on my credit report. Being that they are reporting inaccurate information such as my name, and have failed to provide proof of the debt, other than a lease, i am asking to have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1861 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was an XXXX XXXX customer which was taken over by Citizens Bank. 

Since the switch i have not received welcome pack or debit card at my address. I do not reside in USA anymore therefore do not have a USA number therefore unable to log in to mobile app from outside the USA. 

I have called Citizens Bank on several occasions and spoke to XXXX XXXX on XX/XX/XXXX Ref XXXX who advised me to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which i did on XX/XX/XXXX and XX/XX/XXXX but no response. 

Then i wrote to Federal Reserve Consumer Help on XX/XX/XXXX they asked me to lodge a complaint with cfpb.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my Equifax report was wiped clean. a glitch in their system removed everything and was later reinserted. They did not provide me with a 5 day notice it was reinserted on my report. And I know that 's they 're supposed to do this before reinserting anything! I want everything that is negative to be removed from my report! I am giving y'all 15 days to get this handled! I have proof that everything was deleted! I will be adding that to my complaint! I also contacted the. About it and they said I had no file just only three accounts that were readded. And they do record phone calls.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX  Account Number : XXXX 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.