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

please review these accounts that appear on my credit report, without any authorization, do not belong to me, and are hurting me. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Re : Complaint : your file number XXXX I applied for {$1000.00} over-draft protection. Days later the assistant bank manager at the XXXX XXXX XXXX, XXXX, New Jersey personally told me while I was in her branch bank, " I have good news for you, XXXX XXXX. Your application for {$1000.00} over-draft protection has been approved! '' Some days later the bank branch manager of the XXXX XXXX XXXX, XXXX, New Jersey told me, " XXXX XXXX, the approved application for {$1000.00} overdraft protection has not be connected. You may be have to pay a fee for two checks for insufficient funds. '' They are check numbered XXXX for {$80.00} and check numbered XXXX for {$400.00}. 

I told the branch manager that I refuse to pay the insufficient funds fee of {$36.00} for each said check. I told him that it was his bank 's fault that the overdraft protection had not been, to use his word, " connected ''! He said he would look into the matter and get back to me that same day. He never got back to me. 

Yesterday I received notice from XXXX XXXX XXXX that I am being charged {$36.00} for check XXXX for {$80.00} and that I am being charged {$36.00} for check XXXX for {$400.00}!
Product: Debt collection

On, XX/XX/XXXX I received notification from XXXX, that there was a new collection account reported from Phoenix Financial Services. I never received any written notice. Nor, was I given the opportunity to dispute the validity of this debt. Daily, I receive random phone calls all hours of the day, which I believe to be from them. As far as I know the fcra and fdcpa protects me from such actions.
Product: Debt collection

I had a remaining balance of $ XXXX {$40.00} for my Victorias Secret credit card, I went in store to pay the balance and close my account. The stores data base happened to be down and I was told my payment would be reflected once up and running. Since the data base was down I also did not receive any form of RECIPT or documentation stating I closed the account. Unfortunately, my payment was never reflected and I am now getting serial notifications about an account I already closed. This is negatively effecting my credit report and prohibiting me from credit eligibility. This needs to be resolved as soon as possible and if I continue to wait for disputes that take 30+ days my credit will continue to be negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and XXXX
Product: Credit reporting or other personal consumer reports

I cancelled in XXXX  because XXXX XXXX couldnt install the ground mount, solar panels and back up battery system we agreed upon ( about XXXX ). XXXX said no fees would be needed since they had stopped working on my project months before that. Mosaic needs to remove this from my credit, or reach out to freedom and confirm with them since they are not being helpful. XXXX website shows a repeated pattern of fraud on peoples credit and this is not a trustworthy company I would like to do business with.
Product: Debt collection

Have tried to contact the company several times to validate debt. Have been very unsuccessful. I do not have a contract between myself and XXXX XXXX. I do not owe them anything.
Product: Debt collection

My husband and I have both received texts and calls from a debt collection agency called Cedars Business Services , LLC. They call from number XXXX ( XXXX ) XXXX. They are saying that an amount of {$130.00} is owed by me ( XXXX XXXX ) to the company named XXXX XXXX, but we've never heard of this. My husband XXXX XXXX and they've a website at the domain XXXX  which claims to be some kind of newsfeed collection and consolidation organization, that we could ascertain anyways. We're not really sure. 

Cedars Business Services , LLC claims that the account was opened up under a very old XXXX account that I haven't had access to in at least 7 or 8 years as I no longer have the password and have been unsuccessful in trying to regain access to the account. I believe the XXXX email account was taken over long ago. Cedars said the account originally owed {$35.00} about 4 years ago and for some reason now owes {$130.00}. However, this can't be possible since, as I mentioned earlier, until now, my husband and I have never heard of XXXX and I've no access to the XXXX account the alleged XXXX account was registered under. 

Cedars Business Services , LLC Reference code for this collection attempt is : XXXX I've told them that this is in error but they've contacted my husbands number and sent him several text messages. So far, it seems that the only identifying information Cedar 's has about me is my first and last name, my husband 's and my phone numbers, which we've both had for at least 10 years, and this old email address. They don't have any other information and we're not going to provide them any other information about us they don't already have as we believe this to be a scam by usenetnl, or simply fraud by an unknown party. 

Lastly, other research into usenetnl found that many people who have tried to use usenetnl found that the services they claim to provide are bogus and they are unfairly representing the services they provide on their website to attract unknowing patrons and subscription services. Quite simply, those that have used it, claim it is a scam and have warned others not to sign up for this. This along with the fact that usenetnl is not a well known brand in the US, is another reason that leads us to believe this is a fraudulent collection attempt by XXXX via Cedars Business Services , LLC. 

Known Scam Link 1 : https : XXXX Known Scam Link 2 : XXXX XXXX XXXX  Known Scam Link 3 : XXXX : XXXX
Product: Credit card

Discover accepted payment arrangements with me I came upon a financial hardship so they offered me payment problem in turn it was {$43.00} a month with 0.99 % interest since the monies are coming out of my checking account they have not been late or missed. The problem however is Discover closed my account without notifying me as part of the program. They said a letter was sent to me on XX/XX/XXXX which stipulated my card would be revoked. Yet I received a letter on XX/XX/2024 which did not notify me of the card being revoked not only was the not mentioned it also hurt my credit score. I dont think its right what they did especially since they accepted the hardship arrangement. I want my card to be re-opened this was a very deceptive tactic and did not help me financially but hurt me financially. I wasnt given the information to make an informed decision to benefit my family nor myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX back onXX/XX/XXXX16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal
Product: Credit card or prepaid card

Signed up and used XXXX XXXX XXXX credit card and was charged interest and late fees even though I made electronic payments through my bank on the due date indicated on the Billing Statement ( or the last working day prior to the due date if it was a weekend day ). 

I contacted American Express about this and the first time they reversed the interest change and late fee, the XXXX time they refused to reverse the late fee. I was given various reasons about why this happened but nothing I was told ( like I needed to send payment earlier than the due date ( should that be XXXX day or XXXX week or XXXX months prior ; made no since to me since I have always paid my bills on the due date without issue until now ). 

Resolution for me was to cancel the account and pay a final interest charge ( they had a very imaginative description for this charge ). 

This feels like a very predatory business practice that should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that arent mine. I listed it below. 
1.Discoverbank  Account Number : XXXX 2. XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report.XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report.

15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b Reasonable procedures. It is the purpose of this title to 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 title.
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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and i seek appropriate redress for these violations listed.
Product: Credit reporting 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. 15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C 1681 section Southwest credit sys XXXX XXXX XXXX has violated my rights604 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 am a victim of identity theft and have inaccurate information on my credit report
Product: Student loan

It is very difficult to get a hold of this company. I filed a XXXX complaint because I could not get through any of their links to request a refund of owed money. After the XXXX  complaint they contacted me and said that they would send a refund. I have still not received the refund. 

Now, I am trying to request deferment for a XXXX XXXX XXXX. Their website is a literally a web of dead ends. When you finally find where you should be, the site is always down. I have trouble signing on each time i try to access the website. 

I have had many loan companies over the years and this is the first one that actually seems to be scamming people and there is nothing I can do about it. Eventually they will start adding on fees or say I didn't pay when I should have, but there is nothing else I can do. Each time I do something like this, I get a response, but otherwise ... .. it's crickets. 

Please hold them accountable and make them have a functional website ( if that is to be the main form of contact ) and responsive staff or have them switch me to another company.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp, block inc due to inadequate customer support and unfair practices which violates the consumer financial protection act. Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.furthermore their dispute process was unfair and deceptive as they did not comply with error resolution requirements. I have lost money on cashapp my account was hacked I had money stolen from me ext.
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL CHARGES THAT I DID NOT AUTHORIZE AND NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES. I HAVE NO IDEA WHO THEY ARE AND HOW THEY RECIEVED MY INFORMATION BUT I WOULD LIKE TO GET MY MONEY BACK. I CONTACTED THE CREDIT CARD WHEN I NOTICED THESE CHARGES ON MY STATEMENTS BACK WHEN THEY WERE CHARGED TO MY ACCOUNT AND THE CREDIT CARD COMPANY DID NOTHING. I AM NOW WITH THE HELP FROM A FRIEND TRYING TO GET MY MONEY BACK AND MY FRIEND AND I CALLED BB & T CREDIT CARD AND REP SAID THAT THEY COULDNT GO BACK THAT FAR BUT WE COULD SEND A COPY OF STATEMENTS ALONG WITH A LETTER TELLING THEM WHY THIS IS FRAUD AND THEY WILL INVESTIGATE THIS MATTER. I HAVE ALREADY BEEN THROUGH THIS PROCESS AND NOTHING WAS DONE AND HERE I AM YEARS LATER AND STILL FIGHTING TO GET MY MONEY BACK. I WILL LIST ALL CHARGES .... 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER AUTHORIZED ANY OF THESE TRANSACTIONS AT ALL. PLEASE HELP ME GET MY MONEY BACK
Product: Debt collection

I discovered several accounts had been opened in my name with out my knowledge or consent. This XXXX in particular was with XXXX, I contacted them immediately through their online chat feature on or around XX/XX/XXXX and explained it was not my account, it was opened by my XXXX XXXX. They continued to try and keep the account active, and they stated it was paid in full and the XXXX month contract had been long since met, but would not give me exact dates. They also stated that I owed no monies & I said of course I do n't as I never opened the account, this is fraud and Identity Theft. Finally the CSR stated that it was indeed identity theft and services would be stopped immediately. 

Much to my surprise less then a week ago aroundXX/XX/XXXX, a collection account showed up on my credit report for XXXX by a debt collection company in the amount of {$300.00}. I was never contacted by mail or phone. This is the only bad debt or derogatory remark on any of my reports. It needs to be removed. Please help me, this truly is not my account. I believe this could be a mistake, but I also believe the credit collection agency did n't contact me at all because they know its fraud/identity theft and this is a way to bully me into paying for something that is not my responsibility. 

Here is the Collection agency info and how it appears on my credit report. 

Creditor Name SW CREDIT SYSTEMS L.P. 
Account No. 
XXXX Original Creditor XXXX XXXX XXXX Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date ReportedXX/XX/XXXX Remarks Placed for collection
Product: Credit card or prepaid card

XX/XX/2023 I order a sofa that was supposed to be delivered to the door. It was left on the side of the home and marked delivered to door. I have a hand injury and can not move the item up the step and it has been on the side of the home and rained on for over 15 days now. I have called the company three times and nothing was resolved. I need the item removed and my account credited.
Product: Credit card

SELF Lead Bank has an account that doesnt belong to me closei remove it from my credit report. 

XXXX is reporting an account I never opened with the please delete
Product: Money transfer, virtual currency, or money service

Exodus- I transferred {$2500.00} on XX/XX/23 at XXXX XXXX. When I went back to retrieve money, someone had stolen from my account. They assigned a special security number that was written down. So how is this possible?? 

On XX/XX/23 at XXXX XXXX, from my secured account, someone purchased Bitcoin in the amount of {$500.00} and another transaction on XX/XX/23 at XXXX XXXX, in the amount of {$1800.00}. 

On XX/XX/23, they sold Bitcoin {$1400.00} at XXXX XXXX, and XX/XX/23 sold Bitcoin for {$900.00} at XXXX XXXX. 

All my funds disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.
Product: Credit reporting or other personal consumer reports

I have disputed the Charged Off CitiBank account currently being reported by XXXX. After a recent complaint filed with XXXX, they finally removed the fraudulent account from my reporting only to place it right back several weeks later. At this point I feel like XXXX is harassing me and causing hardship. I demand they cease reporting this CitiBank account XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

Contacted a phone number ( XXXX ) XXXX claiming to be PayPal to authorize a transfer of funds and got suspicious when asked for too much information including California Driving License information. I contacted PayPal and was told this was not one of their phone numbers.