23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts & collections. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts has resulted in several fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I asked them how I have late payments when I closed the account and fully paid my balance..its reporting false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial, with whom I have an auto account, has not reported payment history or account updates to the three credit bureaus in 6 months. My last reported date is XX/XX/XXXX. The amount owed on my credit report is false, I am current on all payments - yet the status of my account is 30 days late. I have spoken with them twice to try to reach a resolution to no avail. I noticed the dependency after trying to apply for a home loan. Upon contacting them, learned that this issue stemmed from something that happened in XX/XX/XXXX/XX/XX/XXXX and they were " actively '' fixing it. They assured me it would be taken care of within 3-5 business days and would be updated immediately. Two weeks later, I contact them again after noticing there have been no updates to my account. I was then told the process would take more than 45 days. When asked why was I not notified of the issue or the changes that occurred with their system, I was told they did not anticipate it taking this long which is why consumers were not notified of the issues they were experiencing. This callous disregard of my account, it's negative effect on my life and the way it has been handled is unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXDebt Collector ( XXXX XXXX XXXX, located in state of Maryland XXXX is suing me for a debt that is 15 plus years old. 

In XXXX I discovered that XXXX XXXX had not billed my medical bill to my health insurance carrier, XXXX XXXX XXXX XXXX. In XXXX, I spoke with a XXXX XXXX Representatives, multiple times, and I was told that they would submit my claims to my health insurance carrier. On XX/XX/XXXX, I received from XXXX XXXX of Maryland, a 'request for writ of garnishment of property other than wages ', signed by XXXX XXXX XXXX Legal Assistant and a second signature from a Clerk of Court ( name unknown ). The State of Maryland /debt collection Statue of Limitation is 3 years. And time barred is 6 years. And this time barred debt is appearing in my credit reports for more than 7 years. Per Maryland XXXX XXXX the start date of this debt is XX/XX/XXXX- we're in year XXXX which makes this debt 15 plus years old. The document is not signed by a Judge. It was signed by a legal assistant and a clerk of court. The debt collector attempted to mislead me that a 15 year old debt is still legally recoverable, and has continued to threatened me even through cash app. They are abusive and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXXXXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX XXXX XXXX XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXXXXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXXXXXX XXXX XXXXXXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 the 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 do 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 the appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totaling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " XXXX manager '' money through zelle on the chase app over the next couple of months totaling to a little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were of no help They just reffered my to speak to the Authorities and speak to the people behind zelle. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me get even a fractions of this back, I would be forever grateful.
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 U.S.C 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX Account name : Consumer XXXXXXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, 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 and crimes which antedates the report by 7 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: Debt collection

***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** XXXX XXXX XXXX XXXX XXXX XXXX has never contacted me by mail or by any other manner regarding their debt purchase from XXXX XX/XX/XXXXXXXX now XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. 
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. 
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. 
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. 
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***
Product: Credit reporting or other personal consumer reports

XXXX XXXX uses XXXX for their store credit account. The bank/XXXX  sent me a special deal on which I could charge up to {$6000.00} and if I repaid the account in full on XXXX mos or less, I would pay no interest. I accepted the deal and bought flooring for my house. I repaid the loan in less than 12 months. In the first part of 2024, I received a mailing from XXXX XXXX threatening me that if I did not charge something using the credit card they would lower my credit amount from {$6000.00} tov {$2500.00}, I call XXXX and told them I did not need anything and lowering the credit limit would hurt my credit. They said you either use the card or they would lower the amount. I told them to cancel the account. XXXX lowered my credit by XXXX points for the lower amount and another XXXX points for cancelling account. In XXXX I received XXXX new cards from XXXX with the same account. Called them, nothing they could do but call credit bureau and charge my credit another XXXX points. XXXX XXXX stated they were not aware XXXXXXXX XXXX was doing that. I asked them to call Credit Companies but did not do that. How many thousands of others were blackmailed by XXXXXXXX XXXX  As a retired Veteran of XXXX and retired XXXX XXXX XXXX XXXX XXXX, why would a bank blackmail and hurt someones credit for nothing?
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credence Resource Management LLC tried to collect payment from my father, XXXX XXXX, who is XXXX years old and doesn't take care of his financials. I am the one who takes care of all his financials, XXXX XXXX, his daughter. When he got the first of 4 calls he had asked where the they had sent the bill because we had not received one in the mail. He requested them to mail the bill to his home address and they continued to harass him. I finally called XXXX and found out they had the wrong billing address in the first place and this was why we had never received the bill the first place. They, XXXX, in turn sent the bill at that time. After three phone calls from Credence we finally got them to mail the bill as well. After receiving the bill I called them and told them I would be handling the payment as soon as possible which means in the next day or two. They harassed me to make the payment by phone that day. I am currently making that payment by phone so we can quite being harreased by such an unprofessional company.
Product: Credit card or prepaid card

My credit card was used as part of a fraudulent purchase. I have filed multiple disputes with Citibank and they are not helping me. Citibank recently ruled in favor of the merchant despite it being fraudulent. The other 2 credit cards ( XXXX and XXXX ) which were also used in the same fraudulent purchase have already ruled in my favor and refunded my money to me. Citibank is unwilling to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX I 9. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX  10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. Identity Theft XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report.
Product: Prepaid card

I bought a Vanilla XXXX gift card from XXXX XXXX XXXX  for {$100.00} on XX/XX/23. I was using it fine and there weren't any problems. I had used this card to purchase items from XXXX for XXXX on XX/XX/23, and I wanted to return a XXXX item on XX/XX/23 for my money back. XXXX issued the refund, but when I checked my account my remaining balance was still XXXX and the refund showed up as XXXX instead of XXXX ( but it didn't effect my balance ). I called the help line but whenever I entered my card information it said it was invalid.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone is using my name and information and has opened a credit line with JPMCB OF XXXX XXXX 
I contacted the bank " Chase '' by phone and in person who states they see a profile created but no card was dispensed. 
My credit report says otherwise. 
a opened date as of XXXX credit limit of XXXX. 
To resolve this issue the account needs to be closed and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Transunion ( credit bureau ). This was actually a third letter to the bureau, stating that the capital one account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/ I sent out registered notarized letters to M & T Bank to rescind all securities interest. Which M & T Bank declined my request on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX scan me with a lot of money because they know I have a lot of money they somehow got into my account which I use the washer and dryer and by doing that they leaked into my account and stole a lot of money the XXXX association tracks how much funding they have to come from me I have a document to give to you on my file with the XXXX which is shut down for some reason this website is not working accurate I cleaned out the system where the XXXX  system will be updated soon so my jobs completed with them they will be having a working foundation now but by the meantime the scamming must stop is against the laws of crime I want my money back in my XXXX  account where they took the money out of and then they leaked into all my other accounts by doing that because my accounts are linked together XXXX a whole bunch of other accounts I have as well