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

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, XXXX CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. 

This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. 

The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because zoomer notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. 

The collection agency fail to provide documents validating this fraudulent debt. 
And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXX XXXXXXXX | saw a lot of pre approvals on credit karma at first I didn't pay it any attention but credit karma kept sending me all sort of pre approvals telling me that I was pre approval for credit card home mortgages and personal loans and the I can refinance my car every day I would see these offer everyday Togged in to check my credit score so after a few months of being told I was pre approved I thought that was in the perfect place to apply I got so many offers threw credit karma I starting telling my family about vacation and investments that we were goin to use these pre approvals for. so I finally applied on or around XXXX for 4 credit cards and 4 personal loans I Was distraught was very very angry and I felt deceived I was marketed to for months by credit karma. They told me I was pre approved this was a lie. I was serverly stressed out I was nauseous for weeks I had XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX now every time I immediately close my phone and shut shut my computer off. This has made me so uneasy and XXXX that I haven't checked my credit as frequently as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, XXXX  and Experian. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however XXXX  and Experian states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from Experian, XXXX  and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$35.00} ; XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX Balance : {$47.00} ; XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$70.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : FIRST XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00}
Product: Checking or savings account

My account was hacked for more then XXXX XXXX dollars I've tried to dispute the transactions with Wells Fargo and they did absolutely nothing From XXXX to mid XXXX my account was used and unauthorized money and charges were taken from my account which led to closing my account
Product: Credit reporting or other personal consumer reports

This bankruptcy is infringing on multiple rights, including lack of verification, inaccurate reporting, and insufficient documentation. Please remove this bankruptcy and the associated accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXXXXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and account # XXXX all under ( XXXX ) and XXXX charge off with no account number. all for has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15U.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: Checking or savings account

On XX/XX/2022, a series of 4 consecutive unauthorized transactions amounting to {$9900.00} were made on my XXXX account. I immediately contacted my bank, Bank of America, and told them the transactions were not authorized by me and should be halted immediately. The bank told me that they would open a fraud claim immediately. What I found strange, and communicated to them, was that I received no alert of the transactions. The transactions were not shut down by my bank, even though they were clearly suspicious in nature. The way I found out was by checking my bank account. Before that time, on another occasion, I made XXXX transaction, around {$700.00}, which was significantly less than either of the 4 transactions but my card was declined as the bank found it suspicious. Why did the bank not do that in the case of the 4 unauthorized transactions? Over a month later I received mail from the bank claiming that 2 of the transactions, amounting to {$5300.00}, were authorized by me. I contacted XXXX to hear what they had to say. I was told by XXXX that my account was compromised, that they have a record of proof, and that I should contact my bank so that they could contact XXXX for verification that what I said is true. I contacted Bank of America multiple times and was told that they would look into it. Yet, they never reopened the claim and made it extraordinarily difficult for me to dispute the decision and make an appeal. I was basically told that the decision had already been made. One employee from Bank of America was able to start a new claim and leave a note to the investigator to contact XXXX on XX/XX/2022 ; however, the claim was closed about a week after under the premise that it was " already resolved. '' No effort to look at the new information was made. In fact, I contacted XXXX again and was told that the bank made no effort to contact them despite my instructions. So, XXXX provided me with a written statement saying that all four of the transactions were not authorized by me as my account was compromised. I submitted supporting documentation that serves as proof that the transactions were unauthorized 2 weeks ago. I have yet to receive any updates on the situation. More than a reasonable amount of time has passed. I have been making efforts for months to get the bank to cooperate yet they have been doing the bare minimum. I have been in constant contact with XXXX and they have been much more cooperative. They provided me with documentation and said that the bank should contact them yet the bank has not been cooperating at all. The bank pretended that they didn't know how to contact them, even after I provided them with a reference number and email. They simply did not want to contact XXXX.
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 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Student loan

XXXX is suggesting I owe student debt. The debt is from a private loan from Union Bank. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a Junior College and I paid out of pocket. I explained to the customer service representative that these two accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, XXXX bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. XXXX is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.
Product: Credit card or prepaid card

XXXX and Chase keep charging me. I quit XXXX. I mailed stuff to people and they just XXXX you and keep biling you. XXXX is a XXXX company and Chase took bail out cash. They are greedy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
8. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and EQUIFAX is reporting an inaccurate information/ account in my credit file. This is not my account and belongs to someone with similar name or information. The account is being reported twice in my credit file with XXXX. This is inaccurate reporting under FCRA rules/ laws. 
The Account is XXXX XXXXXXXX XXXX XXXX Account # XXXX There is other inaccurate accounts being reported as well. These accounts are over 7 years old. I requested for this inaccurate account to be deleted but XXXX. and EQUIFAX have refused to delete this account. 

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

I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018..
Product: Credit reporting or other personal consumer reports

I have a auto  loan with XXXX XXXX XXXX and they have not reported any of my payments since XXXXXXXX XXXX XXXX, I have tried to get a different vehicle from another lender and they are telling me that it looks like the vehicle I currently have was repossessed in XXXX as there is. O payment history. I also believe that my current amount owing is incorrect. As they are reporting only 14 months of payments when I've had my loan for over 24 months.
Product: Consumer Loan

I have attached a detailed letter outlining the issues along with the appropriate paperwork. 

But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. 

Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. 

I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. 

I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. 

I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. 

I felt they sent this on XXXX XXXX, 2015 to cover themselves. 

I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. 

I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.
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 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 resolutions requirements under the Electronic Fund Transfer Act. ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter to XXXX, XXXX, and Equifax on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). XXXX XXXX and Equifax have 30 days to respond to my dispute. This is the violation of my rights.
Product: Credit reporting or other personal consumer reports

I have a discharge of my XXXX loans attached to the complaint showing the XXXX  loans have been discharged over 3 months ago and still XXXX, XXXX, and Experian never removed the XXXX  loans from my reports.