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

On XX/XX/XXXX an annual fee of {$59.00} was posted to my account. I received and activated this card duringXX/XX/XXXX, 9 months ago. Contacted the bank advised them that the fee needed to be removed since I have not had this card for one year. They refused to do so. 

This problem stems from the bank having a faulty application process. When I applied for a credit card in XX/XX/XXXX there was no provision to provide a mailing address. The card was sent to my physical address where I had a forwarding order in effect. The card was returned to the bank. Subsequently I contacted the bank. They opened a new account and sent me a new card, which I activated and used. The bank claimed that the annual period started in XX/XX/XXXX when they sent a card to my physical address and then subsequently returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud and reported to proper lawful authorities.
Product: Debt collection

As a XXXX  settlement I sent a check to World Finance to have this debt deleted from my credit report. World Finance read the communication for release and removal. However they cashed the payment and continued to report a write off debt.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX XXXX ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies XXXX, XXXX, and Equifax are falsely stating this information in my credit report and have yet to remove it from their credit report.
Product: Debt collection

I was contacted by Van Ru Credit Corporation by phone ( XXXX ), regarding collections for an outstanding claim which they would not identify. I called them back to request a validation notice, as well as any information on the claim, and they refused to provide it for me without my social security number. I hung up. I have not received a validation notice, nor any written communication from this entity ; therefore I can only assume fraud.
Product: Credit reporting

Credit bureau is not properly verifying my disputes. Violation of HIPAA to sell my information to a collection agency without my knowledge I want all inquiries not properly verified by me removed now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute was filed with Experian credit reporting agency. It took several months of writing back and forth but the information below was finally removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX I tried to apply for an apartment but was denied because of the same information that was removed because of fraud, not never living there, using my ss number, plus lack of evidence, ( They have not provided no court documents or judgement from a judge for XX/XX/XXXX for XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX ) was right back on my credit report. On XX/XX/XXXX, I contacted Experian by phone and was told by a representative that I would have to re-dispute my information because they didn't know why it reappeared. On XX/XX/XXXX I pulled my credit report and it's stating that the dispute was done and the information is to remain per FCR recommendations. Now I am confused because once information is removed from your credit report it should remain removed. Now I am XXXX living in XXXX XXXX in the winter because of Experian not re-removing this fraudulent information from my credit report. Why do I have continue to suffer for their mistake!!!! Please help me!!!!
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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked Transunion and XXXX  to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit and they have multiple " late payments '' on my credit report.
Product: Student loan

I had to take off school for financial purposed in the spring of XXXX semester. I had full intention of getting back into classes during the fall semester of XXXX. However I had my my loan deferment period end because I was out oaf school for so long. I skipped the fall semester again to try to get more hours at work so that I could try to pay some of it back. Looking into to lowering my over all payments from month to month, I was able to file for income driven payments for my federal loans. My payments went to {$0.00} because I only make about $ 13,000- {$15000.00} a year. This helped me out. However when I try to solve the same problem with XXXX XXXX on XX/XX/XXXX for the balance of {$580.00}, they have no options for trying to solve my problem. I am informed that they have no options available to lower payments. They instead try to see if there are any family members or friends that I can borrow the money from to make the payments. Telling them no to this option, my only option at the time was to pay them {$150.00}, which doesn't get applied to any balance that is over due.This payment was just to stop harassment of 6-10 phone calls a day and the emails to me and my my father who is the co-signer. I agreed to this, however, I asked that that amount get taken out the following day so that I could move money into the account. My next step would be to pay in amount of {$580.00} by XX/XX/XXXX. The next day XX/XX/XXXX they attempted to take out {$300.00} from my account. The payment didn't go through because I didn't that much in the account at the time. After this happen the phone calls and emails started right back up again. On XX/XX/XXXX myself and my father got an email stating that if the account was not brought up to date by XX/XX/XXXX they were going to report me to the consumers reporting agencies. My father reported to me that he had paid the amount and that I need to just get enrolled in school again to at least half time to get the account to go back into deferment which I can do. Even though this payment had been submitted I still received a phone call from this agency about trying to make a payment. All of the phone calls and email have been documented and I have dates to along with them. I have been made to feel like that i have no true options beside bankruptcy. I am stressed about this everyday and it is always on my mind. I just wish there was a way to make it all go way.
Product: Checking or savings account

I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing and keeping {$10000.00} for 90 days. I deposited the money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay out the bonus even 4 months after meeting the terms and requirements.
Product: Debt collection

XXXX XXXX XXXX-Acct # XXXX, ( XXXX ) was removed from my report on XX/XX/2018. In the amount of {$2100.00}. Now I have another company AARGON AGENCY, Acct # XXXX, calling me telling me that I owe them the {$2100.00} as of XX/XX/18. It was removed for a reason. I dont know how this agency got my file to now harass me over a debt that was removed from my report 19 days after it was- DELETED & REMOVED ( see above date ) I have proof showing it was removed and then added again under another collection agency. Please remove XXXX XXXX ASAP, they  are the ones calling and harassing me. I settled with XXXX XXXX XXXX ( XXXX ) And disputed that with you guys and you had it removed, so kindly do that to AARGON AGENCY, they can not double dip. Thats FRAUD!!
Product: Money transfers

I had sold an item ( Snap-on XXXX Portable Gas Generator XXXX - XXXX ) to buyer : papooseman for which this buyer later opened a false item not received ( XXXX ) case on XXXX ( Case ID:XXXX ). The item had been delivered to the buyer as tracking clearly showed and shipping was purchased from XXXX, so XXXX did rule in my favor and release the hold on my PayPal funds ( see attached - Unique Transaction ID # XXXX ). Recently, when I was tallying my inventory and funds, there was a discrepancy of about {$480.00}. So, I rechecked all my transactions on PayPal. Shockingly, PayPal had reversed/refunded these funds to the buyer, even though XXXX had ruled in my favor. I then appealed to XXXX who said they find it in my favor and would ask PayPal to return the funds back to me. It has been more than two weeks and this matter has not been resolved. They are just transferring me from one department to another. They did not provide me any chance to provide a rebuttal. This is blatantly unfair. Please help me out.
Product: Credit card or prepaid card

I've recently applied for an american express card and was denied. I've applied for this card in good faith per my rights. I have sent adverse action informing american express that I've applied for the XXXX XXXX preferred card in good faith and informed them that adverse action against a consumer is against the law. they have yet to respond. Meanwhile im suffering due to points drop on my credit report. Im injured due to the fact that I can't get approved for any credit to further I and my family of XXXX. I'm struggling to buy food and clothes for them. I can not provide at all. We are eating XXXX meal a day. I've come to know the laws that where violated ( My rights that were violated ) Violations are : 1 ). 15 USC 1691k 2 ) .15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a fraudulent account opened without my permission or correct signature. My identity was stolen and the person used that information to open an account with XXXX  XXXX XXXX. Midwest Recovery Systems has placed this in my credit report several times even though the original debt is over 7 years old and it was disputed and removed from my credit report over 2 years ago! Please investigate Midwest Recovery Systems for their debt collection practices and harassment! I want this deleted from my credit report immediately and a notice mailed to me stating in writing that it has been resolved and removed permanently!
Product: Credit reporting

I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.
Product: Credit reporting or other personal consumer reports

1. I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I have been using BOA credit card since XX/XX/XXXX and till today I have no credit score. Despite receiving my monthly statements indicating that the account is indeed active and being used, BOA couldnt provide an explanation as to why I have no credit score yet. When I contacted XXXX and other reporting agencies was told that BOA hasnt been reporting my history to them, as a result I have no history with the credit bureau. Now boA says its going to take up to 90 days for the whole process to get this fixed and im faced with serious financial challenges when im not able to provide a credit score for housing and car leasing purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Inquiries : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Transunion : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXt, XXXX and XXXX )
Product: Credit reporting or other personal consumer reports

I want to file this complaint with EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Product: Debt collection

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TEK-COLLECT nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!