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

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX ( XXXX creditor : CITY OF XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX CITY OF XXXX ) XXXX Balance XXXX {$620.00} ; XXXX XXXX : 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  on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/XXXX ; 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX Account : # 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: Money transfer, virtual currency, or money service

I am a complaint against Cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account to vulnerable and unprotected. Furthermor their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Fransfer 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

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX Account Number XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me.

account name- date opened- amount CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt collection

Please see complaint # XXXX for reference. 
That complaint was sent in XX/XX/XXXX regarding multiple attempts to collect the same bill from a collection agency. Now this collection agency has sold to another agency and they are attempting to collect again.. on bills already paid in full. This recent bill, received on XX/XX/XXXX is dated XX/XX/XXXX and is the same amount {$760.00} as three other previously paid bills ( breakdown of bills paid is attached ). This is incorrect and is extortion. I have already cleared all my debts over a year ago yet they still send the same bills over and over and over.. Threatening to hurt my credit that I've worked so hard to maintain. I am including a copy of the complaint sent in XXXX attached, please refer to that complaint for additional information :
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report and items that were the result of identity theft. I want the items removed they're not mine
Product: Checking or savings account

Capital One placed a stop payment on a close out check in error, check was sent on XX/XX/XXXX, received onXX/XX/XXXXin the amount of XXXX. They claim " expectations given incorrectly '' or similar thereof as reason for error. A replacement check was sent onXX/XX/XXXX, fraudulently cashed. I was in XXXX XXXX at the time, was not at home to receive/sign for check or sign it for cashing. Contrary to what a XXXX XXXX claims, the person whom cashed check does not live at my address and am not related. The account she mentions as linked to Capital One account I am not aware of, it is no longer linked. A XXXX requested check image be sent to me, the signature on it is not mine and as I said prior, fraudulently cashed. Capital One has my signature card on file I believe, if they check it, they will see signature is not mine. Since stop payment is an error by Capital One and thus replacement check sent which was fraudulently cashed, they need to reimburse me for lost funds which I am owed. I've attempted to reach out to a XXXX XXXX, a total of seven ( 7 ) messages left, not one returned. She claims she can not return calls when regulatory complaints are in process, it appears she simply will not return calls as none were returned even after prior CFBP complaints closed out. She continues to leave her number when she will not return calls. In closing, I will need the name of their legal counsel as well as address to mail notice of small claim suit to.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  Account : XXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I received two collections letters from XXXX XXXX XXXX ( aka U.S. Bank ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.
Product: Debt collection

XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020 They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with XXXX XXXX XXXX.
Product: Mortgage

On XXXX/XXXX/XXXX I mailed a letter to LoanCare ( attached ) requesting a statement from LoanCare starting with the first month that they began servicing this loan all the way to the current monththat shows the monthly detail of the application of my monthly payment, ie, how much goes to principal, interest, escrow ; and the balance of each. 

I received no reply. 

On XXXX/XXXX/XXXX I called and spoke to XXXX who verified that they had received the letter and that they had not responded. After several excuses as to why that was, XXXX agreed to see to it that the information I was requesting would be mailed to me immediately. I confirmed that it would be mailed to me at my XXXX XXXX XXXX address, the same as they send me the monthly bill. 

Today is XXXX/XXXX/XXXX ... ... ... ..I have received nothing. No statement, no letter, no phone call. Nothing. Apparently they do not respond to information requests from their clients.
Product: Credit card or prepaid card

I taped me & the Elan Reps conversation over the phone about the XXXX XXXX XXXX charge dispute and the Elan Representative is lying about our conversation : I put her on hold for a quick minute and then I came back to the phone and she was still holding, but I sat up there and said hello for 5 minutes and the Elan representative didnt say a word! So the Elan Representative is telling a big lie in her response to my complaint, and I have a recorded conversation on my tape recorder showing the Elan Reprentative is lying! 
I tried to respond back, but I just saw that I only had until XX/XX/2023 to respond. 
Somehow I thought I had until XX/XX/2023 to respond! 

But since Elan Representative lied in their response about what actually happened between me and her then I believe they lied about sending documents out to me about the XXXX XXXX XXXX for {$2400.00} to me, so they wouldnt get documents back from me, so they could take the provisional credit off for {$2400.00} and recharge my account for the {$2400.00} : because I did get the documents saying they had charged my account again for the {$2400.00} charge, so I think that Elan Financial Services should be made to immediately credit my United Community Bank Visa card for the XXXX XXXX XXXX charge for {$2400.00}.
Product: Money transfers

A man in Indiana named XXXX hacked my Western Union account on XX/XX/2017, changed my login/password and all my profile information. Then they sent themselves money using a bogus XXXX acct. I received an email with every step but I did n't get this until the morning after so it was too late to stop it. I immediately called WU and they filed a " case # ''. I filed a police report and thought everything was taken care of. I received an email from WU on Sat XX/XX/2017 XXXX stating they were unable to retrieve the funds on the transaction and were therefore pursuing me for payment. I called to remind them of the fraud that took place and the man I spoke to insinuated that I had something to do with the hack to my acct. I was furious and told him I would call back with the police report # although that should have been their job. I tried calling back once I had the report # but the recording gave no options for being transferred to customer service and there were no options to leave a voicemail so I sent them an email instead along with all the information I have gathered. I have yet to receive a response from them. I hope to forward all correspondence to you for review as I would like to get this resolved without pursuing legal action if possible. Thank you for any assistance you may be able to provide. 
p.s. Some of the attachments are a result of my own investigation of the thief. He apparently lives in a town that is only XXXX miles from the location where the funds were picked up. He has a criminal background which is why I feel it is necessarily to include this for review in case Western Union would like to pursue legal action against this individual. I have done the majority of their work. They need to clear my name of any responsibility as I am clearly a victim of fraud.
Product: Debt collection

Failed To answer my Debt validation letter, Reported debt to the CRA 's without my permission. i do have the signed debt letter however its not scanned nto my computersi am sending a copy
Product: Debt collection

IC System called me and I requested that they verify the debt and send verification information. They have sent no verification per FCRA. 
I also advised them that the account was likely not mine as it was my ex-spouses account that I would not have been responsible for and had transferred my service to a new service provider. 
I have disputed this account with the credit bureaus, but this company continues to report it knowing it is inaccurate all while never providing verification of the debt.
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 violates the customer 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.

Further more, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I downloaded the XXXX XXXX  app and put all my information correctly to make an account but they told me we are sorry we can not able to make account for you today could because I do not need to qualifications I do not see why I do not. I have XXXX ready to put in my savings account and I have no debt at all and I have a steady income so please explain to me why I can not open the account
Product: Checking or savings account

I had a bank account at Suntrust for many years without any monthly maintenance fees. A couple of years ago, this bank was bought by Truist Bank. Starting last fall, they started charging me a monthly maintenance charge of {$25.00} without notifying me. I found out after they charged me for 7 months - for a total of {$170.00}! 

They did not notify me about these charges. They only offered me to refund {$75.00}, which is still not fair. They should not have made the unauthorized charges. They should have notified me about these pending charges and offered me an alternative type of account that has no maintenance fees- like I had at Suntrust for many years. 

If they refund me {$75.00}, they still owe me {$100.00}.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Experian reporting a hard inquiry that is older than 2 years. The following hard inquiry is older than 2 years : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Care credit/synchrony bank had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked XXXX XXXX and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME XXXX 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 The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX a friend sent a XXXX XXXX transfer to my Cash App Account via a routing and account number. The Deposit was to hit on XX/XX/year> at some point during the day. It did not post on the day stated by XXXX XXXX, and Cash App ( XXXX XXXX ) stated that they did not receive the deposit. 
It is currently XX/XX/year>- XXXX XXXX stated that they had done an initial investigation and verified that the funds were received by the receiving bank on XX/XX/year>. 
After multiple phone calls between both XXXX XXXX who would not provide me or the sender any information regarding the ACH # that was used to transfer the funds, Cash App came back and stated that they did not have any record of the transaction though they were provide a copy of the transaction receipt, the amount of the deposit expect. They stated that they do not accept " bank wires '' ; this information was not provided by XXXX XXXX or Cash App. 
That said even a " bank wire '' has a ACH number attached to it. 
The amount of the transfer was {$530.00} XXXX XXXX refused the refund to the sender stating that she would have to wait 90 days for a resolution and Cash App did not give any resolution ; other than the money is in the ether.