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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX FILE NUMBER RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my XXXX credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : 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 I also see 3 other names on my credit profile which is because of the trafficking. 
I need these names blocked and removed from my Equifax credit Report XXXX XXXX. 
I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims oXXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a Capital One credit card holder but also a retailer that accepts credit cards as payment for products and services. This qualifies more as a rant than a problem seeking resolution. After completing a purchase on XXXX yesterday using my Capital One Visa, I  subsequently received an email from Capital One : Hi, we saw you just spent {$220.00} on XXXX. Did you get the best deal on XXXX? 
The email then proceeded to pitch a competitive travel booking product called XXXX, associated with Capital One. 

If Capital One reached out to my customers after a card they issued was used to purchase my products and tried to steal my business I would find that unethical. Perhaps XXXX and similar vendors would like to know about these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 XXXX XXXX XXXX Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

One Main Financial debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding XXXX handling of disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite frequently using Zelle and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect its users but has also allowed repeat offenders to exploit the platform, leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the safety of users on Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I sent Experian a request to delete an inaccurate account on my credit report. I sent screenshots showing that is reporting differently to each of the 3 bureaus. In XX/XX/2019, they sent back a response that they updated the account. However, the account was still reporting differently than the other bureaus. 

In XX/XX/2019, I sent another letter, again with screenshots included of the inaccurate reporting. In XX/XX/2019, they sent another response again saying that the account was updated. My frustration is as follows : 1. How is each bureau properly investigating if they are all reporting differently?

2. How can Experian report that I was 60 days past due, but the prior month, I have a payment status of " OK ''. How can I be 60 days past due when I wasn't 30 days past due the month prior.

3. How can an account be charged off if is not 180 days past due? The 2 months prior to the charge off status, Experian is reporting " OK '' for payment status.

4. Why do they have no data for XX/XX/2019?

5. In the account history, the Actual payment for XX/XX/2019 shows {$100.00}, but they are reporting my recent payment as {$40.00}. 

6. My high balance was never {$740.00} There are several things wrong with the reporting of this account and Experian not only failed to do a proper investigation, but also violated my rights by not deleting this account.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Equifax : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissable purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute in XXXX via fax, no confirmation from Equifax received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed Equifax customer service, to which they responsed with instructions on who to dispute. This is very frustrating, Equifax is not even allowing me to send information online.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I've got my bank account emptied by a debt collector, I didn't receive any communication from the collector or my bank. The took all the money and I had to close my account.
Product: Credit reporting or other personal consumer reports

KLARNA/XXXX has a hard inquiry dated XX/XX/22 reporting to consumer reporting agencies. No disclosures were provided for this hard inquiry.
Product: Money transfer, virtual currency, or money service

I was a Victim of a XXXX list scam. I sold furniture online to a person claiming to want to purchase it. They sent me a cashiers check from XXXX XXXX XXXX XXXX in the amount of {$1700.00} to cover the cost of goods plus prepaid delivery for the furniture. They then requested that I pay the delivery company called XXXX XXXX XXXX XXXX based in XXXX XXXX for the moving fees in the amount of {$1500.00}. Which I did via the XXXX app from Chase Bank. The funds I sent them went through. The moving company never showed up and appears to not actually exist. The cashiers check bounced days later despite showing as available funds in my account after 48 hours.
Product: Credit card or prepaid card

In XXXX, 2022 I purchased 4 bottles of wine and 2 bottles of port from a company in XXXX XXXX. They were going to ship the wine to me within 6 weeks. I have never received the wine. I have attached supporting documentation with this form. 

Within the attached documentation you will find a copy of my receipt and the shipping information. It shows that the wine came to the United States through XXXX XXXX and then went to XXXX. I do not reside in XXXX. The wine shop, after several communications, will not return my money and the credit card company is also refusing to refund my money. This, in my opinion, is theft.
Product: Debt collection

This collection account from XXXX XXXX was placed on my credit in XX/XX/XXXX. XXXX never sent me written notification to dispute this debt. The month the account was placed on my credit, I immediately disputed the debt. I contacted the original creditor, XXXX XXXX XXXX, with XXXX on the phone on XX/XX/XXXX. While speaking with a supervisor that day, the supervisor was unable to verify the debt, despite the fact that diversified consultants stated they had already verified that account. They also informed me that this account had been delinquent since XX/XX/XXXX but had just been placed on my credit XX/XX/XXXX. I informed the representative at XXXX XXXX XXXX and at XXXX, that I did not owe this debt and the proper steps should be taken to correct this account. Since then nothing has been done. I have yet to receive my right to dispute from this company, or a fraud packet, which should have been sent to my mailing address once I informed both representatives that account is in a result of fraud. Since no action had been taken, I filed an initial complaint with the XXXX. When XXXX responded, they sent billing statements with no information other than my name and the amount owed. I have a current XXXX XXXX XXXX account, so I am fully aware of how the billing statements look. This statement was not itemized. It had no email address attached to it. XXXX XXXX XXXX stated this was a wireless account, but no wireless number was attached to it either. Also, this bill was drafted AFTER the account had reached collections. Nothing was sent prior to this account being placed on my credit account. I will continue to file complaints against this company, regarding this matter until this issue has been fully rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Bank : XXXX Please review the attached document about mileage at vehicle turn in. Compare the signature to my signature sample and you will see as any judge or court would see, the signature is NOT mine. Also note the signature on the Lessors line. It does not match the name of the Lessor. This document is fraudulent! I never signed this document and even turned the vehicle earlier than the date they have on the document It was not me who signed this document, the other signature is fraudulent as well. I am not playing any games or lying. This is seriously NOT my signature and NOT my document. This document is NOT legally binding and therefore you must delete the inaccurate info you keep reporting to the credit reporting companies. 

XXXX Bank, This tactic you are using is against FDCPA and is deliberate. You all are violating my rights and fraudulent methods you are using can not be used.

Credit Reporting Company. You now know the claims of XXXX Bank are false and they keep sending you verified reports. FCRA requires you to delete these records from my credit report since this data furnisher is fraudulent and not able to provide accurate reporting. They are clearly an abusive predatory lender attacking my credit report to extort money from me that they are not entitled to. Please stop showing bias and favor to what you get back in XXXX from the data furnisher. You are supposed to investigate not just publish what they say! Its a dispute and you are supposed to perform proper investigation considering the fact that the information they provide can be inaccurate thats how you ensure maximum accuracy. This document that they are providing you is proven false and I have made a police report about it! Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employer recently requested a background report for employment. I received an email yesterday ( XX/XX/2020 ) from a compliance company with a copy of the report giving your website to contact. On the report it specifically says that it is searching information from the past 7 years. Records thqaaat appear on the report are dated from more than 7 years ago, yet was flagged as a discrepancy and I recently lost my employment due to this. There is also minor items on the record that the dates are incorrect. I am a single mother and just recently received a promotion from my assignment and just finished my training for my new position when the Temp service terminated my employment. I would very much like to dispute the information on the report. If you could please provide me information on how to go about doing so, I would really appreciate it, I understand you receive a lot of complaints daily, but I would really appreciate the possibility of continuing with my employment assignment and promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA  BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

After sending repeated correspondences to a creditor called Trident Assets Management to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( block, XXXX ) due to inadequate customer service and unfair practices, which violate 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

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : XXXX  to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

See Prior complaint # XXXX - Now Capital one after 3 weeks reached out with a letter via US mail stating the info I faxed them on XX/XX/XXXX was not legible even though they verified on XX/XX/XXXX it was received and acceptable When I called them on XX/XX/XXXX they had no idea about the letter sent nor the case # given by them until I asked to speak with a manager They finally gave me a email to upload the documentation too, after being told on XX/XX/XXXX that they had no email to send this information to only fax and regular mail. I first spoke with XXXX and then they transferred me to XXXX who also had no information. This has gone on far too long as my information is sitting out there - Original complaint was below My Kohls account switched to Capital One Kohls and I could not set up the account on line, come to find out Capital One had allowed someone to open a account in my name with my SS #, Capital one has yet to give me any information on this account or how it was opened, however they mistakenly gave me access and I have a print out of the acocunt and the address and email used to open which is not mine, the person used my Maiden name, which has not been my legal name for over 25 years. I have filed a Police report. I still do not have access to use my Kohls Credit Card, its attacehd to the fraudulent account. I had to remove all my information from the Kohls account becasue Capital One joined the 2 accounts even after they knew the checking account was fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}.
Product: Credit card or prepaid card

I made a payment in full on my account on XX/XX/XXXX for {$1600.00}. the amount was deducted from my bank account XX/XX/XXXX. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is now affecting my credit. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months. We filed one complaint with CFPB earlier this year. Shortly thereafter, a corporate agent reached out to us, unaware of the CFPB filing and had been working on this issue. In the meantime, another Synchrony employee worked on the CFPB filing and responded as that there was nothing more they could do. The other corporate agent I had been working with disagreed with that assessment and was trying to resolve it. As she was working on it, I did not reply to the CFPB complaint within the allotted time because I was under the belief that it was being resolved by the agent and a response was unnecessary.

Synchrony is incredibly hard to reach, most of their agents have never returned a phone call other than the one I was working with. I have not heard back from her for a few weeks, and have now gotten new statements totaling {$1900.00}, attempting to collect the debt that was already paid in full by myself in XXXX of XXXX. At this point, it's been nearly a year and it's completely unfair of Synchrony to do this to a customer. In their initial CFPB response, I never did hear from the agent working on the complaint and have not ever gotten confirmation from Synchrony that the charge I've been disputing was refunded. There has never been statement provided to me showing credit for the duplicate charge from Synchrony. As such, this still, a year later, has not been resolved.