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

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX has been asked several times to remove the 2 negative accounts reporting by XXXX XXXX  as they are inaccurate for 2 reasons They are constantly reporting monthly these accounts as a charge off status when they are also claiming they have written the debt off which means they should not be reporting it as a charge off monthly if it has been written off and I have requested the cancelled debt form they are required to give for all written off debts of {$600.00} or more I also provided XXXX with court documentation showing that when I was taken to court by XXXX XXXXXXXX for the debts that the debts and case were dismissed by the courts and XXXX still refuses to remove those accounts from my report they continue to allow XXXX XXXXXXXX to " tell '' them that the reporting is valid even when I am " showing them '' through legal documentation that it is not. That is not fair to me as a consumer because as they continue to allow these accounts to stay on my report it is negatively impacting and preventing me from obtains credit based products due to this false reporting. I am requesting that they REMOVE those 2 accounts from my report immediately to solve this complaint as not doing so is in violation of the Fair credit reporting act. Last conversation with an XXXX representative after being hung up on twice and then directed to call another number that was not valid for XXXX was on XX/XX/ at XXXX cst. this is my 6th attempt in over 8 months to get these accounts removed from my credit report and they are still refusing and allowing untrue and unverified information from my report even after they have been provided court documented proof saying that the creditor didn't validate it, why would they if they want to continue to negatively impact my report I believe my reason for uploading proof is to prove that what they are reporting and continuing to validate is untrue and not valid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud within 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/year>, I ( XXXX XXXX ) reached out to Paramount Recovery in XXXX, TX seeking information for a debt they reported to ALL XXXX CREDIT Bureaus. Upon speaking with a representative, she was unable to verify the debt stating she would have to investigate ownership of the debt and that I was wasting my breath by not giving her personal information she was requesting ( fishing for information ). I told her the information she needed to know in order to verify the accuracy. I then informed her that I would be reaching out to all three credit bureaus to verify the information they were given. This company did not provide any sorta of mailed documentation to me about this debt. I have no knowledge of this debt or this company. I then proceeded to speak with representatives from the credit bureas, they allowed Paramount Recovery to list a debt on my account without providing any sorta of proper documentation that noted I was the owner of this debt. The credit bureas have since escalated my dispute, as this is a urgent matter. As of today a letter to remove the debt was sent to Paramount Recovery. I am no longer seeking validation of debt, I and DEMANDING this debt be removed. This company failed to adhere to several protocols in regards to collecting a debt. I informed them of the protocols they violated. It is my right to have this debt REMOVED until this debt has been rightfully investigated. It should not be on my credit report if the company can not validate the debt.
Product: Credit card

XX/XX/XXXX someone tried to open a XXXX account using my name. A fact I learned after I received a letter from them dated XX/XX/XXXX about the fraudulently obtained account. I called them immediately to have it removed. I also placed a 90 day fraud alert with the major credit reporting companies on XX/XX/XXXX and that is clearly documented with them. I thought the thief had been stopped in his/her/their tracks but I recently discovered on a newly obtained credit report from XXXX that on XX/XX/XXXX ( just 2 days after I placed the fraud alert ) someone opened a fraudulently obtained account with XXXX ( Commenity Capital Bank ) and charged {$7500.00}. Then Commenity tried to collect by calling me over and over. I suppose I should have called back the many messages I started receiving on XX/XX/XXXX ( I have every single one of the recordings and there are a lot ). Each message was from a different person with a strange title and very threatening but did not explain the exact nature of the situation only that " an urgent matter ha [ d ] come across [ their ] desk. '' Not knowing yet about the fraudulently opened XXXX Credit card, I assumed they were just some kind of scam. Around XX/XX/XXXX, I noticed a big dip on my credit score on my XXXX account so I called them. They said I should call XXXX. I called XXXX. They could n't tell me anything but sent me a copy of my credit report. XX/XX/XXXX I received my credit report and discovered the fraudulently opened account opened XX/XX/XXXX ( 2 days after I had placed a fraud alert ) and charged {$7500.00}. I also noticed a wrong address changed in early XX/XX/XXXX and an errant phone number and various other inquiries I knew nothing about. This has been a huge headache and has taken me weeks to correct and I 'm still attempting to remedy this situation. It is incredible to me that 2 days after I placed a fraud alert, that XXXX opened an account with a {$24000.00} limit ( something I do n't think I 've ever been offered by anyone right off the bat ) and charged a whopping {$7500.00} on a newly opened account using my credit with had a fraud alert. This account should never had been open and I believe XXXX through Commenity Capital Bank has caused me a lot of pain and suffering and loss of income and credit. I was denied credit. This is gross negligence and I have ample documents to back up all my claims. I am only enclosing a few that prove the errant charge. Before obtaining counsel, I would like to just settle this matter between us.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and deletion. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to REMOVE the following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed XXXX XXXX XXXXXXXX XXXX : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Experian again went silent.
Product: Debt collection

My identity was stolen and my data has been leaked multiple times. I never rented from this company. There is also a XXXX XXXX  bill associated with this address as well as an electric bill. Please remove from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I tried contacting Synchrony Bank/Paypal credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on Paypal until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that Synchrony was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, Synchrony is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe Synchrony should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open account on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify this issue. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct this inaccuracy, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$480.00} / XX/XX/2022 XXXX / {$230.00} / XX/XX/2022
Product: Debt collection

I have submitted XXXX disputes to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA-XXXX, ( XXXX ) XXXX ) XX/XX/XXXX. XXXX was in XX/XX/XXXX for a collection account on my report that i could not validate. I sent them a letter requesting the information about the account to investigate. I received no response. I sent a follow up letter on XX/XX/XXXX again requesting information, i again received no response. XXXX reported that Midland had stated they verified they debt, yet have had zero contact with myself, sent me zero notices and refuse to provide how they verified this debt and that they own it. The bank they state their collecting on behalf of closed XX/XX/XXXX XXXX XXXX XXXX ). I previously had XXXX credit cards fraudulently opened at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ; I spoke with them over several months XX/XX/XXXX and they investigated, AND removed all XXXX accounts due to their internal investigation results. I have XXXX debt owed to XXXX Bank, but Midland placed on my report that i had a charge off XX/XX/XXXX -- 2 years AFTER this bank closed. They reported on my report that my Date of First Delinquency was XX/XX/XXXX -- which is odd because there have been no active XXXX Bank accounts since XXXX when sold to XXXX XXXX. It 's also inaccurate because a collection agency ca n't open an account XX/XX/XXXX if that consumer did n't become delinquent until XX/XX/XXXX -- their info is not accurate and they are unable to validate this item. They have refused to send any supporting information and are reporting inaccurate and false data to my XXXX, XXXX and XXXX credit reports. Due to Midlands lack of response and inability to provide any info about this debt, supporting it belongs to me, or any correspondence, I 'd like it removed from my credit report per FDCPA guidelines.
Product: Money transfer, virtual currency, or money service

The company coinbase stated I owed them money and that after I pay them {$26.00} I would be able to buy on their platform. I paid them the {$26.00} and they took my money and then stated buys on my account is disabled even though I paid Coinbase the {$26.00} as part of our agreement. To offer to restore a customer account if a customer pays and then after the customer pays disable the customer from buying on the platform immediately after the customer pays is a scam. I was scammed by Coinbase I have photos and other documentation from customer service representatives to prove this. 

The representatives admitted that Coinbase violated the agreement we had as they stated the restriction my account has is an effect of the previous restriction my account had. Coinbase had me pay them {$26.00} to remove the restriction on my account just to take my money and restrict my account again for no reason. This is a violation of the agreement Coinbase promised me after I paid them {$26.00} my account would be restored just to scam me. 

My account email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the security breach that Equifax had, and the THREE MONTHS before they notified the world ( during which time Equifax executives took the opportunity to sell their stock ) I and two family members are unable to : -Unable to contact Equifax by phone or website -Unable to request a free annual credit report to check my status -Unable to take a request to freeze my credit report.
I think their behavior has been criminal and they have exposed me and my family to worry, stress and their resources are too limited to let me do my part to address their negligence. 

XXXX XXXX XXXX
Product: Debt collection

SOUTHERN OREGON CREDIT SERVICES has never informed me of any rights to dispute my debt or even what my debt was related to prior to serving me. I have been unable to verify if the debt is even valid. They use deceptive practices and refuse to identify themselves when calling or when I call them.
Product: Money transfer, virtual currency, or money service

I have been doing business with NetSpend for about four years now. My SSA and XXXX deposits were steady coming in on the last two days of the month, but since 2023, my deposits has been irregular. When I called Social Security and XXXX XXXX XXXX  where my deposits come from, I was told from both bank and XXXX that NetSpend knows that without fail, that they deposits my money the same time each month and if it is late or held up that it is NetSpend that is holding my money up. I have asked NetSpend over and again why is my money late and who is responsible for it? NetSpend continues to tell me that the bank and SSA hasn't deposited my money yet. I believe that NetSpend is holding my money up on purpose because every since I haphazardly found out that my insurance company was using my married name to fund an additional insurance policy without my permission using a NetSpend card of mine that NetSpend themselves cancelled somehow without my consent due to some error, making that card nullified. So I had to order another card. Since then I stop leaving much of my money in NetSpend to keep them from using it or taking it without my permission, now they hold it up to prevent me from using it to take care of my business. I will fill a different complaint about that another time because I have not gotten a satisfactory answer from the State of Washington about that particular fraud. Right now I would like you to investigate why NetSpend continues to hold up my deposits.
Product: Checking or savings account

On XX/XX/XXXX I was scammed by a clothing brand company. They stole around {$500.00} from me. I sent all the proof on XX/XX/XXXX that it was a scam and that these people are dangerous and steal money. They declined my request, so I appealed and they still declined and their excuse is I have to wait 15 days to report why would I do that if it was clearly a scam??? And plus all my friends disputed and did not provide evidence and still got moneyback. I submitted a second appeal XX/XX/XXXX but they declined and it and said they werent gon na help anymore. The company was truist
Product: Credit card or prepaid card

On checking my XXXX XXXX, XXXX statement, found a purchase charge of XXXX unauthorized by me. Checked other previous statements and also found the same charge going back to XXXX XXXX. Wrote letter to company, XXXX XXXX on XXXX/XXXX/XXXX. 
As there was no answer to my letter, wrote again on XXXX/XXXX/XXXX. 
There was XXXX change, though, in my XXXX statement : no XXXX charge. 

I have to say I made a late payment in XXXX this year. My due date was the XXXX ; I paid on XXXX/XXXX/XXXX. Called the company then, I was given a different date to pay -- the XXXX of the month beginning in XXXX XXXX. I have been charged late fees since then. 
On XXXX XXXX statement shows " available credit '' of XXXX. All other statements show XXXX balance available
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Experian from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report Experian is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and Experian has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but Experian is not using all information before placing things on my credit report.