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

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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, credit repair services, or other personal consumer reports

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. XXXX attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX  XXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, XXXX.
Product: Credit card or prepaid card

I purchased a {$50.00} XXXX XXXX XXXX XXXX E-Gift Card from PAYPAL via PAYPALS website on XX/XX/XXXX. When redemption of the XXXX XXXX was attempted in person at XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was denied and XXXX XXXX stated that they had not honored such cards since XXXX. They further stated that they were unaware that they were still being marketed at all. As it regards paypal, they have refused a refund, stating all questions should be directed to XXXXXXXX XXXX XXXX XXXX. They further stated that the gift card was marketed with XXXX XXXX consent. Thusly, I feel I have been defrauded by both companies. Paypal are marketing a product that can not be redeemed either online or in person and refusing a refund and XXXX XXXX is apparently allowing this. Both sides are liable in this matter, Paypal as the broker for a worthless product and XXXX XXXX XXXX XXXX, who are refusing redemption while no doubt sharing in the ill gotten gains with Paypal.
Product: Credit reporting or other personal consumer reports

This is a global fundamental problem with XXXX and Equifax credit reporting agencies : when the credit balance goes up, within just a day or XXXX they can reduce credit score by a few points and sometimes by as much as XXXX points! This regularly happens to me, a person with immaculate credit history. 
This does not work the other way, however- when I pay off my credit card balance, it may take almost 2 months (! ) to properly adjust the score. The latter may seriously affect mortgage rates when buying or refinancing the property. 
This type of customer abuse, including elderly financial abuse, is completely unacceptable, and I would not be surprised if another high-profile class action lawsuit is filed. 
Conversely, XXXX does not do it to their customers. 
Please investigate and let me know if I need to submit additional information. 
Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that you hold about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with XXXX XXXX XXXX. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with XXXX XXXX XXXX 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with XXXX XXXX XXXX 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted an EIGTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted my TENTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

As of XX/XX/2023, after ten ( 10 ) requests, LexisNexis has refused to provide me with the requested report and XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my bank account was closed. When I went to the bank to ask for an explanation, I was told that they have the right to close accounts without providing a reason. Currently, I have approximately {$5000.00} locked in my account. I inquired about when I would receive my money and was told it would take approximately two weeks.. It has now been 40 days, and I still havent received my money. 

I am an international student who recently graduated, and I have not conducted any unusual transactions. I don't have any sources of income. At present, I am unable to pay for rent or buy food, and I urgently need my money back.
Product: Debt collection

I am disputing a debt that a third-party collection agency is attempting to collect. The debt amount is inaccurate, and the collection agency has not provided the necessary documentation to verify the debt, such as the original creditor information or an account number. 

Details : The collection agency has contacted me regarding a debt I do not recognize. 
The amount they claim I owe is incorrect, and they have failed to provide detailed information to substantiate their claim. 

The agency 's failure to validate the debt has caused stress and has impacted my financial well-being, as they are threatening to report or have already reported the debt to credit bureaus.
Product: Debt collection

Repeated calls 3 times in 2 hours after XXXX. 4 times in the same day XX/XX/year>. They do this a lot. I answer them and they hang up. The last time I actually spoke to them, they told me they cant talk to me about my debt and that I need to talk to their lawyer and gave me their information. I asked that since I had the number and if they cant help me if they can stop calling me and she said no. Now two days later theyve called me excessively. 


After review of my call log I found that they have called me 3 to 5 times a day for a week or so in XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, a charge was made on Synchrony Bank account in the amount of {$6500.00} which was not authorized and for which no work was done and no contractor 's contract exists. Complainant filed a fraud complaint with Synchrony Bank at their direction in XX/XX/XXXX. Synchrony responded on XX/XX/XXXX with form letter that " Customer benefited from use of card. '' Contacted Synchrony again appealing their reason and submitted detailed information about the fraudulent charge. Synchrony said they would re-investigate matter. Synchrony contacted attorney  representing cardholder on XX/XX/XXXX and discussed complaint and stated they would investigate. On same day, Synchrony sent a form letter dated XX/XX/XXXX, that the " customer released account information to party. '' This is false reason because in XX/XX/XXXX, the contractor wanted to perform work for complainant and said could be done through a Synchrony Bank credit card loan and the contractor obtained the account number and credit limit from Synchrony and provided to complainant. Complainant had {$2000.00} worth of work done and as fully paid off by XX/XX/XXXX. Contractor has performed no work and no work authorized after that. 

Further, Synchrony has refused to work with California attorney on this matter representing complainant unless the attorney provides Synchrony with the attorney 's social security number, stating that is their policy. Attorney refuses to give Synchrony Bank such information. 

The contractor denies they put charge on account, has not produced a contract for work and states they never received payment from Synchrony for the {$6500.00}. 

Telephone conversations with Synchrony Bank have been useless since then and complainant continues to get monthly statement with amount still on card.
Product: Checking or savings account

my complaint is with RushCard. There was unauthorized charges from  XXXX   XXXX   XXXX / XXXX / 17  {$150.00}  XXXX / XXXX /   17  {$2.00}  XXXX  {$60.00} All   XXXX    charges were not authorized I started the dispute on  XXXX / XXXX / 17  when I first saw the charges, after I called  XXXX   XXXX  and it was unresolved. I filled out all the required paperwork that  Rush  representatives told me I had to fill out and sent them back via fax Since that time I spoke to several representatives but the last one yesterday was  XXXX . I advised him that  XXXX   XXXX  resolved the issue and credited back the card gave them statements that were provided to me by  XXXX   XXXX . On  XXXX   XXXX  they refunded the debit card then  XXXX / XXXX / 17  {$60.00} was refunded. Since that time no money was actually refunded to me by Rush. I received letters stating to try to resolve issue with merchant which I have but rush is holding money now for over the initial 30 days they told me it would take. Everyone told me that I cant speak to the actual department of disputes and that I just had to wait. Wait until  XXXX  which is not right since the merchant has refunded the charges I just need it to be done on the Rushcard side I have asked for phone calls back and received nothing
Product: Credit reporting or other personal consumer reports

XXXX XXXX re : online retailer XXXX a manufacturer-to-customer model. 
XXXX delivered my product to a former address. The agents at the former address did not notify me. The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXX 's error and XXXX XXXX supporting the merchant. 

ORDER # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX {$170.00} x 1 Online Payment Shipping Method Standard {$170.00} Shipping address and billing same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX has received your request and re-opened a dispute on your behalf. We will complete our re-investigation no later than XX/XX/year>, and will contact you if additional information is needed. The XXXX XXXX allowed a second dispute, ultimately supporting the merchant XXXX 

XXXX XXXX My former husband used my private cell number to attach his girlfriend 's wifi product. XXXX XXXX refused to disallow these duplicitous charges. However, an investigation by XXXXXXXX XXXX ruled in my favor and returned that portion of my bill, the charges I did not incur. 
" Thank you for contacting us about the transaction ( XXXX ) on your account. We researched the transaction you reported and agree it was incorrect. 
The credit ( XXXX ) we provided for the transaction ( XXXX ) listed below is now finalized. 
Here 's what you should know. 
The temporary credit we provided is now permanent and includes any applicable fees and interest. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXXXXXX XXXX  position, and disallow input from XXXXXXXX XXXX and monies owed to XXXX from my former husband. I consider this identity theft. 

XXXX XXXX. 
I placed an order from XXXX in XXXX XXXX the item did not arrive. XXXX 's dispute team and the Discover Card dispute team resolution ruled in their favor. Oddly, the product arrived in my neighbor 's mailbox on XX/XX/year>. Both XXXX and Discover Card refuse to allow me a return, stating the transaction is " too old. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect this error and disregard for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 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 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

My wife and just created Transunion accounts in order to check out credit score. While signing up, the site does not once mention a subscription or service fee, though they do ask for a credit card at the end of the sign up form. We figured it was to have in case we did decide to purchase a more advanced version of the credit monitoring service and we just wanted to check our credit score, figuring it was free since there was no mention of payment. 
I double-checked the entire page before I clicked submit at the end of the account creation/sign up form on transunion.com and there was no statement that said I was agreeing to purchase anything at that time nor was there any price shown. Again, I figured it was a free basic credit score account like you can get with a ton of other credit monitoring services, so I signed up and so did my wife. We each then recieved an email saying we were charge {$25.00} for a monthly subscription. 
This is absolutely underhanded and intentional deception by this credit monitoring company to dupe people into thinking they are signing up for a basic, free account. How can they charge a credit card without stating they are doing so and without giving a price during the sign up process? 
They have no way of contacting them outside of normal business hours and I need to cancel this now. This could cause a real issue, as I did not expect {$25.00} to be billed to me ... This could cause interest on purchases that I was not willing to accept or an account balance fee. There is absolutely no way that this method of signing up is not an intentional trick to force people to pay for something they didn't know they were going to pay for. 
On top of that, they have a place on the site where you can request to cancel your service. I did it as soon as I realized they charged me without my consent.. within minutes of signing up. They do not offer a refund and just say that they have cancelled my account.
Product: Debt collection

Trying to collect a debt that is not mine. I have never opened service with XXXX and address that is on file. I have have had a fraud alert on my account for over 5 years. Also I have no business with the agency trying to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-GOLD KEY CREDIT INC -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I received a copy of my Equifax consumer report and noticed a report of a public record. I sent Equifax a dispute letter notifying them of the error and demanded that it be removed. On XX/XX/2022, I received a credit update through the US mail stating they had completed there investigation of my dispute and " we verified that this item belongs to you. '' It also states above the results that Equifax obtained the public record item from " local, state and federal courts through third party vendor, XXXX. '' According to the FCRA, in order for Equifax to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Equifax states their public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law on neither their VERIFIED and NON-VERIFIED departments. Equifax has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. Equifax is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information. 
In addition to my proof of their willful negligence, I also explained to the representative I spoke with that this public record is only being reported by Equifax not the other 2 major reporting agencies, XXXX and XXXX. By law, if there is an inaccuracy on my report it MUST be removed by ALL 3 agencies.
Product: Credit card or prepaid card

We have had a Lowe 's credit account since XX/XX/XXXX and always paid our monthly payments on time. In XX/XX/XXXX we purchased a refrigerator with zero interest if paid off in a certain period of time. Due to health issues, I was only able to pay the minimum due each month. The process was not fully explained at the time of purchase. They did not tell us that the full interest during that time would become due. We were just told we would not have any interest until after that time frame. After the promotion period ended our monthly payment doubled ( compounding interest ) and to add insult to injury they closed my account. I have been a loyal customer with excellent payment history. From that point till now we are paying about {$80.00} each month, only {$30.00} is going to the principle and {$50.00} is going to interest only! I have tried speaking with their credit department and they refuse to work with us to pay this off unless we pay the full balance at one time. They claim the only thing we can do is let it go to collections and then that department would work out a settlement. Ultimately we have to ruin our credit just to settle this account!!! Then on top of it all, we've had several insurance claims against this refrigerator, Lowe 's refused to use their warranty and we had to use our personal home warranty plan plus deductible and we've only had this refrigerator less than three years! 
XXXX model # XXXX
Product: Credit card

I looked at my credit report from credit wise a there is a Well Fargo Bank card that I never applied for nor do I have or ever had a credit car with their back. I have asked for them to do a personal investigation and audit where and why is this on my credit report. 
card name WF XXXX Cards account number XXXX, XXXX XXXX XXXX XXXX XXXX IA XXXX : XXXX Date opened XX/XX/year> credit spent XXXX credit limit XXXX I have this on my credit report but it will not allow me to upload it is stating that the file is to long. I beleive there is nothing wring with your website. I can email it to your office please contact me.
Product: Debt collection

On XX/XX/XXXX this debt collector, CALVALRY, reported a collection action to my credit bureau however they first sent their letter to me XX/XX/XXXX! they violated the Fair Debt Collections Act by not first notifying me and allowing me 30 days to respond
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. SETF/WOFC 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 XXXXXX/XX/year>
Product: Credit card

I received a notice in the mail in XX/XX/2016 that I was turned down for an Amazon.com credit card. However I never applied for a credit card of any kind. This was a fraud. I have disputed this inquiry through XXXX and received notice a month later that the disputed had been completed but no results were given and nothing was done to remove this inquiry, The inquiry was made through Chase Bank.I would like this inquiry removed from my credit report as it has made my score take a plunge. Im in the process of trying to buy a home. The reference number on the letter sent to me is XXXX. Thank you for your time.
Product: Debt collection

Midland Credit Management has violated by rights as a consumers. They are threatening me with " possibly contacting an attorney '' as a scare tactic. I don't owe them any money and I've never done any business with them. What they are doing is abusive and is a violation of 15 USC 1692d regarding harassment and abuse. I have also attached of of the documents they sent me. They need to cease and desist all communication with me.

I need the following items from them as validation of debt ; Please provide the following information 1. Name and address 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Dates ( this alleged debt became payable ) 8. Date of original charges or delinquency 9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased.

11. Commission for debt if collection efforts are successful Also since I know legal action is not supposed to be executed by debt collectors according to 15 usc 1692i