23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I terminated my XXXX XXXX account due to a better deal I received from XXXX. XXXX sent me a bill indicating I have a credit of {$25.00}. I then had their network equipment sent back. 

After about a month, XXXX sent me a bill of {$140.00}. I returned the bill indicating the service was already disconnected. After about another month, we were receiving calls from private callers and/or caller IDs with XXXX*. When we try to answer the call, they will always hang up. When we enabled voice mail, the callers will hang up or leave a continuous tone on the machine. 

We stopped receiving these calls on XXXX XXXX, the first day of the XXXX strike. I noticed that my XXXX score went down from " XXXX '' to " XXXX '' due to a " derogatory '' record from the " unpaid '' XXXX bill. 

I would appreciate your help in this matter. 

Thank you for your efforts. 

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

Capital One acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off my credit.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a Consumer Disclosure file. On XX/XX/2024 the company emailed a copy of the personal consumer information in their data base that reflected an eviction and balance of {$3000.00}. However on XX/XX/2024 the company responded and stated that they had none of my personal consumer information on file. I called on XX/XX/2024 to request a deletion of all inaccurate information and was again told that they had no consumer information pertaining to me in their system therefore my request could not be honored. However this is inaccurate as I have the consumer disclosure file that they had already sent. This issue has prevented me from pursuing happiness and is not fair to me in any way. Upon understanding FCRA 15 USC 1681 ( a ) this company is in violation and is party to libel, slander, and defamation of character. I have tried to settle this matter to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account 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 : 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: 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 Customer 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed this alleged debt with Trident Asset Management ( debt collector ) regarding an alleged returned check of {$280.00} from XXXX and was not provided a copy of the alleged check, account numbers or the bank for which it was allegedly withdrawn upon. Attached is what was provided by Trident Asset Management. 

( Trident letter with alleged Affidavit of Correctness and Assignment - XXXX XXXX XXXX XXXX XXXX ) This has lead me to dispute the validity of said debt with burden of proof also falling upon XXXX, as they have listed this alleged debt on my credit report, which has negatively impacted my credit for quite sometime. I have disputed this account numerous times with XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), to this day, XXXX  has either not properly investigated the alleged debt or just flat out ignores my request with the information provided. 

Per the letter from Trident Asset Management on XX/XX/XXXX, and my XXXX report dated XX/XX/XXXX, I have no returned checks showing or outstanding, as Trident Asset Management has stated in the letter and XXXX  has continued to report. 

See attached Oregon Gambling Laws. 
ORS 167.109 - Internet Gambling Specifically Also, a simple internet search indicates, that the Unlawful Internet Gambling Enforcement Act of 2006, no longer allowed online gambaling for monetary purposes in 2006. So, how could I possibly owe on said debt with a check date of XX/XX/XXXX, per the letter from Trident Asset Management? 

Finally, you can also see on the internet, XXXX was shutdown in XXXX and fined by the government, due to the Unlawful Internet Gambaling Enforcement Act of 2006. So again, how could I possibly owe on an alleged gambaling debt ( from my research on them ) in XXXX of XXXX? 

See attached XXXX print out from under History. 

After providing these documents numerous times to XXXX, they still to this day have failed to correctly investigate or just blatantly ignored my requests for removal of this erroneous debt. 

See attached Unlawful Internet Gambling Enforcement Act of 2006 - If I can get it attached or it can be viewed online. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account NumberXXXX Please investigate and delete it from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXXXXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX Please remove from my public record XXXX XXXXXXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX My parent has the same name as me.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX 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/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report as of XX/XX/2023. I noticed some accounts that were fraudulent.
Product: Debt collection

THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT XXXX XXXX XXXX, THEY MUST DELETE THIS IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

National Credit System is reporting information to rental databases erroneously to deny me rental/housing. This debt should be covered under Covid-19 funding from XXXX XXXX who is responsible to clear this debt. Contact was made to the XXXX XXXX XXXX XXXX informing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX turned this action over to National Credit System to cause harm maliciously to prevent from rental ohousing.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXXXX/XX/XXXXof XXXX XXXX and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : ACCOUNT XXXX : XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report there are 4 other names and 19 other addresses and I'm afraid that someone could have used those names and addresses to still my informations. I demand that XXXX remove all those other names and addresses on my credit report
Product: Credit card or prepaid card

This company accepted my security deposit XX/XX/XXXX. Closed my account a few months later. Along with pro-rating my security deposit with the account balance. They sent me around XXXX in the mail for the remaining balance they owed me. Because I gave them XXXX and only owed them roughly 100-150. 

Well comes to find out they never closed my account. They marked it as stolen or identify theft and I never requested that. Now Im getting late payments on my credit report due to their mistake. I owe them 0 money and they need to fix their system. I tried calling them and was on the phone for 5 hours XX/XX/2020. I kept getting hung up on and kept getting sent absolutely no where. I am disputing everything with the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to send me information stating that said accounts belong to me although I have requested the original documents stating I signed it. Most of said accounts on my credit report with experian are fraud accounts and no way can be verified. These acts by Experian obviously not properly investigating these accounts are preventing me from obtaining credit and therefore violating my civil rights.
Product: Credit card or prepaid card

I purchased sunglasses on XXXX in XXXX of 2022 for {$330.00} using my Citi Master Card. I returned in person the item on XX/XX/XXXX, and received confirmation from XXXX and proof of return. XXXX never credited the account, so I disputed charge with Citi. In spite of the evidence I returned the item back to vendor they refused to credit my account, in spite of XXXX telling me they received item and were going to refund me.
Product: Credit card or prepaid card

Synchrony Bank is the issuer of several credit cards of mine, and this is the second time I've filed a complaint about this. They are illegally changing account statements to electronic, and only notifying me by email that I won't get paper bills anymore. I've ALWAYS gotten paper bills, and I don't regularly check my email. I also don't usually believe emails are from the actual companies, because of all the scams. NOTHING was done to Synchrony the last time, as I had also called them and let them know that NONE of my accounts were EVER to be changed to paperless. I also told them it wasn't legal for them to change my accounts to paperless and send me an email telling me if I wanted to go back to paper, I needed to contact them. 
They are being devious, and flaunting their ability to XXXX with people 's accounts without liability. Synchrony trashed my credit score in XXXX 2020 by slashing my credit limits for NO reason so I was maxed out on all cards from them!
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.
Product: Credit card or prepaid card

I previously filed a complaint and am refiling because my complaint was closed because it is outside of 60 days. This is absolutely ridiculous. This is NOT a billing error and the 60 days does not apply. My complaint is about charges totaling {$14000.00} paid to for services that were misrepresented and not provided as sold. These companies misled and defrauded me. They will not return my calls and Capital One not doesn't care. They won't even read my complaint. 60 Days is for billing errors and does not apply.
Product: Credit card or prepaid card

Went to chase.com to attempt to dispute a charge. There is no apparent mechanism to initiate a dispute on their website when logged into my account. Their written and video instructions at the following URL are apparently obsolete and no longer applicable. When I called Chase Bank to report the problem with the website and with the transaction itself, I was put on hold for 10 minutes and then disconnected. 

XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015 I received a letter of demand from NSA also known as North Shore Agency regarding case number XXXX which is another collection agency that XXXX XXXX has chosen to send my name too and as of today 's date they have never responded regarding my initial complaint where they were to credit me the amount of {$3500.00} on my bill due to the errors that they made as well as false misrepresentation to the consumer. Today is XXXX XXXX, 2015. I have still not heard from them and instead of them fixing the debt showing the correct amount they have decided to throw my name to different collection agencies in order to ruin my credit. I have requested on numerous calls, and tried on many occasions for this account to be closed this company refused and would continue to bill me after I tried to close the account only to be told we can not do this today its a billing cycle or hang up the phone on me. When XXXX was not doing that and I got an agent the agent would keep me on hold for more than two hours trying to get assistance and by that time would come back on the phone and disconnect the call in order not to be the XXXX to disconnect a large account that had smart phones with more than XXXX lines at the time. Every time I requested my credit I would be told its not on this bill it will be on the next cycle. I was quoted a price that never was what my bill was and they continued to put even more fees that they never advised they were going to put on and it took months to get the line disconnected because XXXX deliberately kept billing me for lines in order to make profit from a consumer that advised them that they wanted the credits they had promised.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi there, I have a chase business account. I have been a member with them for over 15 years and I rarely ever file a claim. On XX/XX/2020 I got scammed from a merchant from XXXX for {$750.00}. The product was for a service. 

On XX/XX/XXXX I submitted a claim that the funds were not as received. The merchant provided an agreement and that I signed and carefully selected screenshots of our conversation. and chase ruled in their favor without even giving me a chance to fight back. They said that the transaction was accurate.Upon calling them they asked me to show proof of the item which I had to reiterate to them multiple times that it was a service. 

On XX/XX/XXXX they told me I have to provide evidence on my end if they were to reopen the case. I went ahead and provided the remainder of screenshots of the conversation that the merchant did not provide. The part of the conversation where I kept expressing that the services were not rendered as described. 

Chase then ruled in the scammers favor again without giving me an explanation. Then on XX/XX/XXXX, I reopened the claim once again. Chase ruled in the favor of the merchant on XX/XX/XXXX without explanation. 

On XX/XX/XXXX I just called to figure out what happened and they told me its been 120 days since the charge so they can no longer help me. Even though they are the ones that took extra time in order to not help me.