23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've been a victim of multiple identity thefts, and have an existing credit freeze and fraud alert on my credit file for all three three bureaus. 

On XX/XX/23, I received an email from Amex at around XXXX that a new Credit Card was approved under my name. 

I could not have opened this account as I was asleep. 

I called Amex fraud department, verified my identity, and the first person I spoke to denied that a new card was opened under my name & no such email was sent. I suggested her to transfer me to identity theft department or applications department. She then corrected herself saying she found the email and transferred me to another department. 

I spoke with XXXX from applications departments and she asked me to verify my identity again and asked if I opened this card. I told her I would have not been calling if I opened the card. She asked which XXXX XXXX card seemed fraudulent and I answered that I do not have that information as the approval email sent to me just says XXXX XXXX. 
I asked her how new card was opened under my name if my credit is frozen and I have a fraud alert on my account. She then transferred me to Identity Theft department where I spoke with XXXX. 

XXXX asked me to verify my identity again, and verified that there were TWO cards under my name that were not authorized by me. I informed him that I have a credit freeze and a fraud alert on my credit, so this should not have been approved in the first place. He opened an investigation into the fraudulent card opened under my name.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies in the personal information section of my credit report. Upon obtaining a copy of my report, I noticed that incorrect information is being reported under my personal details. To clarify and rectify this issue, I am providing my accurate information below : Name : XXXX XXXX XXXX ( This is my legal name. Please delete any other references to names, as they are not mine and I have never used them. ) Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number ( Last XXXX Digits ) : XXXX Employer : XXXX XXXX XXXX XXXX I request that you correct my information as listed above and remove any other inaccurate personal details currently being reported on my credit file. To facilitate this process, I have enclosed the following documentation for your verification : A copy of my government-issued identification card A recent copy of a utility bill ( or bank statement ) confirming my address Please ensure that these corrections are made promptly to prevent any further inconvenience or potential harm caused by these inaccuracies. Kindly confirm receipt of this request and notify me once the corrections have been applied. 

Thank you for your attention to this matter. If you require any additional information or documents, please do not hesitate to contact me. 

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

On XX/XX/XXXX I sent a letter to EXPERIAN, at XXXX XXXX XXXX XXXX TX XXXX, by USPS Certified mail # XXXX. 
I received confirmation of delivery to Experian dated XX/XX/XXXX. 
I included in my letter and attachment to Experian my Government-issued proofs of identity, copies of my XXXX  Driver 's License, my Social Security card , and my home utility bill ( XXXX XXXX XXXX XXXX XXXX XXXX. 
My attachments and copies verified my ONLY LEGAL NAME, MY ONLY ADDRESS ( since XXXX ), my ONLY SOCIAL SECURITY NUMBER. I also asked that twXXXX INACCURATE PHONE NUMBERS also be removed. 
All that should remain on my reports under personal information should be my ONLY accurate and complete : NAME, ADDRESS, SOCIAL SECURITY NUMBER, and PHONE NUMBER. 
As of XX/XX/XXXX, ALL the inaccurate or incomplete personal information that should have been deleted still remains on my Experian credit report. I received no notice of investigation or procedures or sources used, even though I requested them. I provided government-issued, and utility company verification of my true information. 
Experian is obviously using faulty sources of information and failed to reveal those sources to me. I would like all of the disputed, inaccurate and incomplete data in my file deleted right away.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to request the removal of the following account from my credit report : XXXX XXXX XXXX Account Number : XXXX ]. I believe that this account is inaccurate and should no longer be reported on my credit report. 

The account in question is old and no longer reflects my current financial status. Therefore, I kindly request that you remove this account from my credit report as soon as possible. 

I have reviewed my credit report and found that this account is negatively impacting my credit score. However, this account is no longer valid, and I believe that it should not be reported on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I request that you investigate and remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Product: Credit card

Dear CFPB, I disputed a charge of {$890.00} with Chase bank for the merchant XXXX XXXX XXXX, and got a denial. The original transaction date is on XX/XX/XXXX, and it got rebuilt to my account after the dispute denial on XX/XX/XXXX. I wrote a letter to appeal the dispute result, and got denied again on XX/XX/XXXX saying that the transaction is valid. 

I travelled in XXXX XXXX, and a person in spider man costume asked me to take a photo with me and my girlfriend. After taking the photo, he asked for a tip of {$9.00}. However, I was charged {$900.00}. He left already when I realized that I was charged the wrong amount. 

In the reply letter provided by the merchant for the dispute, they claimed that I bought XXXX paintings and they gave me additional XXXX for free. This is not true, because I just took some photos and never bought anything. In the receipt provided by the merchant, it does not have any itemization that shows what I bought. The address on the receipt is also wrong. It says XXXX XXXX XXXX, XXXX XXXX, California XXXX. This address is actually for XXXX XXXX XXXX from XXXXXXXX XXXX and it does not sell any paintings. The receipt also does not have my wet signature on it although it writes signature verified. I never put my signature for this transaction. 

In the appealing of the dispute denial, I also attached a copy of police report that I filed after I found that I was charged the wrong amount. I also attached the photos that merchant took for my girlfriend, but Chase bank did not look into these and just said they already reviewed all the information to determine the validness of the translation. 

Furthermore, in the whole process, I have experienced a lot of trouble communicating with Chase. They first said that I should reach out to Fraud department, and then Fraud said I should speak with Dispute department. After several correspondence, Dispute department finally agreed to open a case for me. There is no clear ownership from the different departments, and I feel confused on who should I reach out to. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX  account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions
Product: Credit reporting or other personal consumer reports

I am filing this XXXX Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 





This CFPB complaint has been filed to request under FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove 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 few XXXX credit card accounts. 









ACCOUNT NAME OPENED DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in XXXX fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son fell ill, couldnt pay bills, so I consolidated them through freedom debt LLC, in XX/XX/2019. As a couple months went by I noticed they were not paying anything and my credit declined even more. I canceled thinking that I would get my money back thats in the program and they would not give it back. This is months later. I didnt realize that it was fraud until another credit repair company told me that what they did is fraud and Not ok in California. I lost a more then {$3800.00}. 

I want my money back. When talking to a lady the other day she gave me the consumers finance information and I literally wanted to cry because that company was supposed to help me ... not take advantage of me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Owned by XXXX ) was advertised as having graduates with {$250000.00} of student debt, which was about double the " in state '' school tuition. They used high pressure recruiting and admissions tactics, making you put an immediate non-refundable deposit to hold your seat if accepted. There was little to no actual information provided on how to navigate student loans other than how to apply to take them out. There was also little information given on how to plan to pay off the loans. Our budgeting exercises in class focused only on income based repayment amounts, which never touch the loan principal. They used XXXX XXXXXXXX as our " educators '' for student loan repayment. XXXX XXXX  offices were raided by the FBI, and its CEO and principal owner was arrested and charged with multiple counts of criminal fraud, identity theft, and obstruction of justice. All they taught us was to take out our loans, do income based repayments, and told us after 20 years of payments our loans would be forgiven. There was no mention of tax XXXX, or the forgiven amount being counted as taxable income the year it was forgiven. Most of us will never be free of these loans. We will have paid 20 years of payments, then owe the IRS MORE THAN WE BORROWED for taxes once loans are forgiven
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion credit Bureau refuses to remove me from being late on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do their job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging information from my profile. 

XXXX XXXX XXXX Late Date XX/XX/19
Product: Debt collection

XXXX XXXX illegally sold to I.Q. Data International INC. our XXXX rental related debt during the month of XX/XX/2021, which goes against the AB832 law. I.Q. Data International INC. has no legal obligations to pursue the XXXX related debt in collections per the XXXX California State law. The debt XXXX XXXX deemed XXXX XXXX, XXXX XXXX, and XXXX XXXX owed has been paid by the XXXX XXXX program in the form of a overpayment from the original amount owed of {$3100.00}, by paying a total of {$3100.00} on XX/XX/2021 directly to XXXX XXXX, within the legal timeframe under the XXXX state law, that also included a payment of {$37.00} to the illegal interest I.Q. Data International INC. pursued to collect. 

Though XXXX XXXX management is aware that this debt was paid in full directly to them, they have refrained from notifying I.Q. Data International that this debt is to be disputed because it was paid in full. I have contacted I.Q. Data International since XX/XX/2021, by phone explaining to their representatives that the debt the were collecting is illegal, because it is XXXX related debt, and each time they stated they were awaiting a response from XXXX XXXX to confirm this debt, and to confirm the amount stating we owed was paid to XXXX XXXX in full by the state of California. I have reasons to believe that XXXX XXXX  did not respond to I.Q. Data International in truth, which is why they are continuing to pursue this debt, though we are sending them proof in writing that the debt they have continue to collect is illegal. 

The debt paid by the XXXX XXXX rental assistance program, to XXXX XXXX, included illegal fees. There was never a vaulted ceiling fee in our lease at any time we signed, or resigned our lease. XXXX  also charged us for false damages such as painting the unit, and unit upgrade fees.
Product: Credit reporting or other personal consumer reports

FCRA violations Not mine not my credit card XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$25.00}, XXXX written off. {$25.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$25000.00} Never late on these accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative XXXX opened XX/XX/XXXX not my loan XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$53.00}, XXXX written off. 
never lived here XXXX XXXX XXXX # XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX Resident type XXXX family XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXXXXXXXXXX XXXX XXXX LA XXXX Resident type - XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX not my XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was initially opened with EIN # Reported a few complaints : I was not able to login email address XXXX XXXX XXXX representative was never able to reset account and allow me to access my own online account by logging in using my email address. 
Representative also told me that my account had other devices that were linked to my business account. 
I initially opened the account using my XXXXXXXX XXXX not my social security # company is an XXXX and after calling XXXX several times since they escalated my account to the fraud departmnet regarding the other devices that were linked to my Business account they actually disconnected my account and now more importantly they actually reported the {$1200.00} that's owed as a Business with Ein # converted the account to a XXXX XXXX account and Ashercollections is reporting the {$1200.00} XXXX XXXX  I never provided XXXX with my social security # nor did I ever have a prepaid account. As a matter of fact you can't owe a balance on a prepaid account. The account myst be paid monthly. The business phone # was recycled and someone now owns my phone # Additionally, all phones were paid off. So I don't know how they came up with that balance. This issue has reduced my overall XXXX  score by XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a formal demand for Ava Finance Inc to immediately and permanently delete all reporting of an inaccurate account from my credit reports with XXXX, XXXX, and XXXX. The details of this account are as follows : Creditor Name : Ava Finance Inc Account Opened : XX/XX/XXXX Last Payment Date : XXXXXX/XX/XXXX Reported Status : Collection/Chargeoff Balance Owed : {$30.00} Credit Limit XXXX {$250.00} The reporting of this account is both inaccurate and inconsistent, violating my rights under the Fair Credit Reporting Act ( FCRA ). The account appears derogatorily on my XXXX credit report, while there is no record of it on XXXX or XXXX. This inconsistency alone demonstrates that Ava Finance Inc is failing to meet its legal obligations to furnish accurate and complete information.

FCRA Violations Committed by Ava Finance Inc : Failure to Furnish Accurate Information ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) Ava Finance Inc has inaccurately reported this account as " Collection/Chargeoff '' despite my payment history showing " OK '' payments until XX/XX/XXXX. This is false, misleading, and has directly harmed my credit profile. 

Failure to Investigate and Correct Errors ( FCRA Section 623 ( a ) ( 8 ) ) Ava Finance Inc has failed to provide any validation or justification for the charge-off of a {$30.00} balance. This refusal to correct or verify the inaccurate reporting constitutes a violation of federal law.

Reporting Misleading Information ( FCRA Section 605 ( a ) ( 1 ) ) Furnishing a charge-off for such a negligible balance is not only unreasonable but misleading to creditors. This reporting is harmful and does not accurately reflect my creditworthiness.

Inconsistent and Incomplete Reporting This account is reported derogatorily to XXXX but is entirely absent from XXXX and XXXX. This failure to report consistently across all bureaus is further evidence of Ava Finance Inc 's negligence and disregard for its legal obligations under the FCRA.
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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important XXXX XXXX, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I hope we can fix this problem soon.
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 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.