23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$2000.00} XXXX XXXX {$2700.00} XXXX XXXX {$2100.00} XXXX   XXXX {$5900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with equifax. I have disputed this item with the credit bureau Equifax and was advise that they were able to verify the information as accurate with the Grantor XXXX. I have contacted XXXX directly regarding this issue and was advised that the account does not exist in their database system and was referred back to the collection agency to handle this dispute. After speaking with XXXX XXXX today, I was told that they have do n't their due diligence and they only control reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.
Product: Debt collection

In XX/XX/XXXX attorney collection agency Roosen, Varchetti and Oliver wrongfully garnished me for tickets associated with a property I do not own. Their lack of due diligence and investigating who is the proper owners XXXX XXXX, in XXXX MI through XXXX County records resulted my account being garnished in a amount over {$1000.00}. While I was the owner from over ten years ago, they did not find this error until I brought this claim to their attention. I brought this to their attention in XX/XX/XXXX in which they said they would release the funds back to my account. After several communications including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they still have not return my money resulting in a number of circumstances and financial impact. I've spoken with their representatives a number of times, asked for supervisors, and requested to speak with the lawyers associated with this practice and process and had gotten no support or call backs, I've sent communications as requested to XXXX with no response, and contacted their team at XXXX with no support. It's now XX/XX/XXXX and still have not received funds. They refused to reimburse the incurred banking fee 's associated with this wrongful and impact action.
Product: Debt collection

I worked with XXXX XXXX at Spring Oaks Capital LLC and they refused to mail or email a current statement of the current amount of debt I owe. Said it is against policy to send an official statement. See below : Can I get a statement emailed to me for current balance Ref. Number XXXX I do not see the debt total online. 
XXXX XXXX Thank you for contacting XXXX XXXX XXXX. My name is XXXX XXXX. Could you please verify your name and the month and year of your date of birth for security purposes? This conversation XXXX be monitored and/or recorded. 
XXXX XXXX XX/XX/year> XXXX XXXX Thank you. I need to inform you that I am a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is regarding your XXXX account originated by XXXX XXXX  XXXX XXXX XXXX. Your current balance is {$4700.00}. 
Can I get a statement mailed or emailed to me? 
XXXX XXXX I do apologize, but we do not issue statements. You can conveniently check your account online at XXXX XXXX XXXX  with your reference number XXXX. 
You legally have to issue statements.
Product: Credit card or prepaid card

Wells Fargo. 

In XXXX Wells Fargo told us that when we pay our card down they will give us a XXXX percent APR. We paid the card down and they raised the APR. 

In XXXX XXXX started charging our credit card {$300.00} a month. We could not figure out why or where it was coming from. We called Wells Fargo once we discovered the charges and asked them to block/dispute the charges so we could figure out what was happening. They agreed to not close the card and we didnt hear back from them. They cancelled my credit card without authorization and issued a new card which kicked us out of all of our bill pay, my childrens school, and every other auto payment that was established on our card. They then re-established the charges with XXXX and stopped blocking their charges to the tune of over {$6000.00}. We have spent the past 9 months trying to resolve this issue. Wells Fargo continues to promise to help yet they do not and continue to charge 26 % interest on charges that are fraudulent. XXXX does not respond to us yet they have responded to Wells Fargo saying that they are going to continue to charge us. 

They have wiped out every bit of revenue from my small business, caused us months of stress and anxiety, and they refuse to settle the fraud from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against XXXX XXXX Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. XXXX XXXX credit card furnished my non public personal information to XXXX, XXXX and Transunion without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice XXXX XXXX, Transunion, XXXX, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved SEAL
Product: Debt collection

I was contacted or I contacted ( not sure which because it was a while back ) but I saw where XXXX  was trying to make me pay a bill for a XXXX  service that I NEVER signed for or in any way authorized. I never never authorized this. I demanded a signed copy or proof that I authorized this because I knew that this was someone who was probably living or renting my ex wife 's house at the time. I didn't even live there at the time. I told them that and demanded proof. How did they get my name and social to open this account and start billing me for it? I never received any proof and they told me it was being investigated and they would remove it. I thought it was taken care of because it was removed off of my credit. All of the sudden it is back on my credit under a collection agency by the name of Enhanced Recovery. I sent them a notice that I DID NOT do this and XXXX  was supposed to be taking care of this. Evidently, instead of investigating it where they would find that I DID NOT open this account, they sold the debt to a collection agency. This has impacted me and my family in a very sad way recently.
Product: Credit card or prepaid card

we opened the capital one SPARK business credit card which advertised spend XXXX K in 3 months and will receive an additional XXXX of rewards. We spent the required amount, called to confirm that we met the criteria, was told on a recorded line that we WERE receiving the rewards. Then never received them. After 2 weeks of calling and being put on hold and being told they will make sure we receive it, we were told because a refund came through of {$45.00} ( unknown to us ) that the rewards will not be processed. We have been  back and forth with their customer service with NO HELP. They have no regard for small business and are fraudulent and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

Bank of America issued a debit card with the master card logo to accept my Nevada Unemployment weekly funds. On XX/XX/2020 an unauthorized transaction for {$270.00} was taken from that account at a branch I had never visited. I called Bank of America as soon as I discovered it and reported the unauthorized withdrawal. On XX/XX/2020 I received a letter regarding acct ending XXXX had suspicious or fraudulent activity and they sent me another card to use to accept my unemployment benefits .I called back and asked about the {$270.00} and they said they would take another look, pull some films. 
The new card ( without telling me was closed ) and has been since early XX/XX/2020. 
I have called many times and refuse to re-open my new account ending in XXXX or refund my {$270.00} I have not received my unemployment benefits for over 3 months because Bank of America will not re-open my account. Nevada Unemployment ( XXXX ) has paid my benefits weekly and confirmed my ID. Please Help Me Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID TO DELETE ARRANGEMENT WITH XXXX XXXX XXXX. PLEASE DELETE. THIS IS OLD NOW.
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 federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX, account number : 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 also states a consumer reporting agency can not furnish an 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. 1681 section 2 ( a ) ( 1 ) states 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: Money transfer, virtual currency, or money service

PayPal phone lines are closed. They refuse to reply through the online chat messenger. My account was imposed limitations on XX/XX/XXXX, after providing all documentation, I was able to reach an agent through chat and the limitations were removed. Then, I sold 2 pre-owned XXXX on XXXX   and on XX/XX/XXXX account limitations were imposed AGAIN! Now i have {$1600.00} stuck and there is no reply from them whatsoever. Aside from myself, I ask that you please take a look at PayPal 's page on XXXX and RECOGNIZE that there are about 5000 other people affected just like myself. In the time that we need it the most, they are keeping our funds AWAY from us. This is completely WRONG and I am looking for HELP!
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 ( c ) ( 1 ) ( 3 ), your agency is prohibited from reporting inquiries related to credit or insurance transactions not initiated by me, unless these transactions fall within the exceptions outlined in the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS Account Resolution still have not provided any proof this debt of {$1200.00} is mine. Sending letters to me stating information is accurate does not constitute as proof. No signed documents. Nothing but take their word. This is a scam. Will proceed with litigation as debt is not mine.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX. they did not provide with the contract i requested over the phone. I paid it off with the inquire of covid 19 relief they had.
Product: Mortgage

My home loan was former through XXXX. Everything was fine and I never missed a payment. My Escrow, Insurance and taxes were supposed to be all taken care off. Then find out after NewRez has my loan my payment went from {$1300.00} to {$1600.00} and is currently at {$1500.00}. 

They claimed my escrow was in negative. Which was news to me as I never missed a payment. It seems XXXX had done something and lost my escrow. I have proof from the title company that they paid the escrow for the first year. Yet despite showing proof they refused to accept any responsibility. 



I will provide proof in the document.
Product: Credit reporting or other personal consumer reports

Chexsystems stated in my previous compliant # XXXX to the CFPB that according to FCRA they do not need to inform the consumer of reporting.This statement from the chexsystems is false. According to 15 U.S. code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer never gave XXXX or Chexsystems any written instructions to report. 
Also chexsystems stated I have unsign police report! That is false I have uploaded multiple times a signed copy of my police report showing I was a victim of fraud.Also reporting an account without my permission is also a form of identity theft known as fraud. 
Also XXXX has violated 15 u.s code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
Chexsystem is third party that is no way affiliated with XXXX! So why do chexsystems have my nonpublic information without my permission and knowledge.I the consumer never received any notice of this reporting. 
Also has stated 15 U.S code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; XXXX never CLEARLY stated to I the consumer that my nonpublic information was going to be shared with chexsystems. 
* Attach to this compliant will be a copy of my police report from local police, Chexsystems response of false statements.A letter from XXXX lieing saying I have an account thats actively XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Between XXXX XXXX, I received a CashApp card for an account I did not open. I called Cash App customer service who I told about the potential fraud though they noted to me the account had been closed and no transactions had been made on it and urged me to file a police report for potential identity theft. On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Virginia sent me an official letter to confirm a police report which I filed with them concerning the CashApp account which was opened in my name which I did not, in fact, open. 

On XX/XX/XXXX, I received a 1099-K form in the mail with the FILER noted as Block, Inc. f/k/a Square, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX TIN : XXXX ). The form claimed I had received a gross payment card/third party network transactions of USD {$1100.00} for Merchant Category Code 4214. The 1099-K form claimed 75 payment transactions had been made. The form claimed " Card not present '' in transactions amounting to USD {$1100.00}. The form noted USD {$670.00} in XXXX and {$430.00} in XXXX. The XXXX 's name and contact was listed as Block , Inc. https : //cash.app/contact with the account number noted as XXXX. 

I never owned this account. I neither made nor received these transactions or payments. On XX/XX/XXXX, I went to check my credit report but I did not see mention of a CashApp account on the report. 

This is fraud. I request CFPB 's assistance in protecting me. 



-- -- - 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 XXXXXXXX XXXX, VA XXXX Dear XXXX XXXX, The purpose of this letter is to confirm there is a report on file at the XXXX XXXX Police Department about the incident to which you referred. 
The following is a summary of the report on file. 

Case Number : XXXX XXXX Assigned : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Address of Event : XXXX XXXX XXXX XXXX XXXX, VA Type of Event : Identity Theft The complainant reported that someone used her identifying information to open a CashApp account. The complainant was advised to notify the credit bureaus regarding her identity breach. This letter is provided to the complainant to secure the extended XXXX credit monitoring with the credit bureaus. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX