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

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
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 CFPA. Cash app failed to to timely take measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.
Product: Checking or savings account

XXXX Cash App withdrawal from my personal checking account on XX/XX/2021 for the amount of {$50.00} {$100.00} {$50.00} I do not have a cash app account. 
I contacted my Bank and Cash App this is what I was told to do to resolve this issue
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. To support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by

15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at w
hich point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

CREDIT ACCEPTANCE CORPORAT XXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period
Product: Credit reporting or other personal consumer reports

My son has a car loan with Capital One. Since buying his car he has lost his job. I have assisted my son in paying his car note. I have not taken over his loan nor have I signed any documentation adding me as a co-owner of his vehicle or in any way to be responsible for his payments. I am simply a mother helping out her child. 

On XX/XX/XXXX, I telephoned Capital One as I was concerned that my XXXX XXXX had decreased significantly. My call with Capital One had proven to be futile and frustrating as it has previously regarding the same issue. I do not have an auto loan account with Capital One or any bank. Based on online document on bank 's website I am listed as owner. Utterly not true. Something nefarious is taking place with the bank and its employees. 

On the call with the bank I identified myself over and over to the Capital One representative but to no avail. I do not have a signed contract with this bank. Capital One has been reporting me as late every month since XXXX at a cost of {$10.00} per month. On my call yesterday, I asked for a copy of a signed contract that would show my obligation to Capital One that I have an auto loan with them. I was transferred from a Capital representative to XXXX a senior advocacy member in their resolution dept. I was told by XXXX that she has a screen shot on her computer inferring it was signed by me. I asked her to fax a copy and she told me she couldn't as she had to fill out a document to have it faxed to me and it would be in my fax shortly. Nothing came. I have previously called Capital One on several occasions regarding this same issue and it has not been resolved. 

I am concerned that Capital One is irresponsibly committing identity theft. 

RESOLUTION Immediately return all monies paid on behalf of my son and close this fictious and lying account. 
Immediately return all late monthly fees of {$10.00} since XXXX. 
Immediately contact all three credit reporting agencies ( XXXX, XXXX, XXXX ) on my behalf letting them know in writing the egregious error they have caused and return my XXXX XXXX back to XXXX. 

I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized credit inquiry was mad on XXXX by XXXX XXXX 3 times so far on XXXX. 

Location XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? 

Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022
Product: Debt collection

I submitted a complaint through Consumer Finance and the response given notified that within 45 days the debt will no longer be from IQ Data. However, the debt is still shown on my credit report and it has been over the number of days stated in their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX XXXX XXXX. All creditors are reporting in accrate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question.

Details of the Disputed Account : Name of Account and Account Number XXXX XXXX XXXX XXXXXXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA.

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Debt collection

I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. 
Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. 
I ended up switching to XXXX XXXX after that.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

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/XXXX
Product: Money transfer, virtual currency, or money service

My account is permanently limited. I have no negative balance in my account either. I have money available in my PayPal but not allowing my to transfer money from my PayPal to my personal bank account.
Product: Vehicle loan or lease

Credit Acceptance Corporat ion Charges betw een {$4.00} and {$12.00} to process your payments each month. I mail my payment as a cashiers check every month. This is a high interest loan because I have less than perfect credit due to hardships but I have not defaulted on my loan.     Last month the check was returned to me as undeliverable so I sent it again. I sent it the day before it was due this mont h ( so it will have the postmark date on it ) a nd because of the holiday they have not received it.     They call once per hour while I 'm at work and if I answer to tell them they get aggressive and tell me " then I should not have answered. '' The payment is not ev en one week late an d they start harassing, threatening to disable the vehicle and tow it. They actually towed it once and I had to pay an additional {$700.00} to get it back and get a bus to the neighboring state to pick it up.     All while charging {$4.00} - {$12.00} to proccess your payment and not allowing any modern method to pay your  bill ( electro nic deposit, not charging you to pay bill, etc ).
Product: Debt collection

contacted XXXX to check my credit rating and learned my score is only XXXX because the Capital One false information is still on my record with all the credit companies and this is causing me financial hardships when getting quotes for homeowners and auto insurance. I have refuted Capital One 's claim and they have never provided the one piece of proof that will support my claim that I don't owe them anything. Also, this issue goes back many years to the actual incident. But Capital One has repeatedly moved the date each time they contacted me or their collection agency called me. This process needs consumer financial revision. The game they are playing is against consumers unfairly and shouldn't be allowed. What Capital One has done in this case is ignore the truth. I shouldn't have to hire an attorney to get this corrected. This complaint is on-going and CFPB should step up and make Capital One provide the " recorded conversation between me and their office representative who correctly said I was not responsible and not to worry I would not be charged for the fraud. '' Consumers deserve honest treatment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Failure to Comply with Identity Theft Dispute Request for Immediate Action Dear Sir/Madam, I am writing to formally notify you of Equifax 's failure to comply with my identity theft dispute and to request immediate resolution. I submitted my identity theft report to Equifax on XX/XX/year>, disputing an inaccurate XXXX XXXX XXXX XXXX account listed on my credit report. Despite providing all necessary documentation, including a copy of my identity theft report as requested in your correspondence, this account has not been blocked or removed. 
Additionally, I want to emphasize that my legal name is XXXX XXXX XXXX, as stated on my drivers license. However, my credit report includes inaccurate names such as XXXX XXXX and, which is not listed on my identification. This misrepresentation further supports my dispute regarding the accuracy of the information in my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to : Investigate disputed accounts promptly upon receipt of sufficient evidence. 
Block inaccurate or fraudulent information from credit reports when evidence of identity theft is provided. 
My identity theft report and dispute meet all legal requirements, yet Equifax continues to fail in fulfilling its obligations. Additionally, I requested that Equifax provide original signed documents proving the XXXX XXXX XXXX XXXX account belongs to me. To date, no such documentation has been provided, further indicating the inaccuracy of this information. 
Equifax 's refusal to block the fraudulent information and lack of proper investigation is not only a violation of the FCRA but also undermines my consumer rights. 
Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal remedies as allowed under federal law for noncompliance with the FCRA. 
I request that Equifax take the following actions within XXXX business days : Immediately block the disputed XXXX XXXX XXXX XXXX  account from my credit report. 
Remove all inaccurate name variations, including XXXX XXXX from my credit file and mailing address. 
Provide a written explanation detailing the steps taken to resolve this dispute. 
Confirm in writing that the fraudulent account has been removed. 
Please consider this letter a formal demand for compliance. Failure to address this matter will result in further action. I am uploading copies of all documents CFPB and FTC for your review. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023 I received a letter through mail about my initial identity theft dispute which was mailed out to me on XX/XX/2023. I called Equifax to speak about the letter and a representative told me the same thing that the representative from XX/XX/2023 told me about properly filling out the identity theft report. He stated that I need to resubmit the information so that it could be processed properly. I am resubmitting all required information pursuant to FCRA 605B as well as Equifax 's request. Below I have attached the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, and a utility bill. Accounts disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My info has been leaked in a data breach from XXXX, and I would like to remove fraud inquiries on my consumer report. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX  card inquiry on XX/XX/XXXX reminder these are INQUIRIES. PLEASE REMOVE THEM THEY ARE FRAUDULENT INQUIRIES
Product: Credit card

I purchased a XXXX phone and XXXX from XXXX XX/XX/year>. The phone was {$1200.00} and watch was {$250.00}. The total including tax was {$1600.00}. I was gifted an XXXX watch and XXXX by my boyfriend before my items arrived. Therefore when the items came, I sent them back through XXXX. I received a message XX/XX/year> saying my return wasn't accepted because they didn't receive them ; they stated that the box was empty. I'm bewildered. In XX/XX/year>, there is a package on my porch. I cautiously open it to find the watch and phone I sent to XXXX. I immediately contact XXXX support and ask if I can still return the items. They say " yes '' and send me a new label. I send it back through XXXX no later than XX/XX/year>. In XX/XX/year> they tell me they didn't receive the items. XXXX support person says their is a video of the box being empty. I request it, but XXXX was never produced by XXXX. With the video I could have asked XXXX about it. At this point, I'm frustrated. I contacted XXXX, Capital One, and XXXX. Capital One said they did an investigation. XXXX told me it was outside the window of time for a complaint. Capital One never resolved my dispute after I submitted my written complaint, documents of the contact support, and XXXX return tracking. I am yet again attempting to resolve this issue.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX  of XXXX   fraudulent charges began showing up on my Synchrony Bank PayPal Credit Card. These purchases for " XXXX XXXX  '' were neither approved by myself or my spouse nor received by myself or my spouse. I contacted Synchrony immidiately, they cooperated, removed the charges and sent us new credit cards. In our statement due XXXX XXXX XXXX these same charges showed up again but this time were labeled " Balance Transfer '' we assume because we now were using the new card Synchrony sent to us. 
I called them again and we repeated the process. I also wrote them a letter dated XXXX XXXX XXXX followed by more letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letters attached with details of charges. 

I have never had a response to my repeated written letters, only repeated invoices with added interest and late payment fees and now I was notified that Synchrony reported non-payment on my credit report. 

I of course canceled our credit cards with them, no longer place CD 's with them and canceled my PayPal account.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$27.00} for a returned check fee on my closed credit card account. They explained that they had sent me blank checks and someone had tried to cash one. I explained that I had received no checks and I certainly didnt try to cash one.I called after receiving the statement and spoke with XXXX ID # XXXX. He said someone would call or email and they didnt. I called again XX/XX/XXXX. Spoke with XXXX. I sent a written response following the statement instructions. Called XXXX. They removed an Additional late charge of {$27.00}. Said the {$27.00} was being investigated. Now I received a statement saying I owe {$56.00}. This is for Barclays XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.