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

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 15 U.S. Code $ 1681c-2 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 alleged identity theft, not later than 4 business days after date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following account ( XXXX ) listed IMMEDIATELY! 


Account name : XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( original creditor : XXXX XXXX ) Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX Date opened : XX/XX/XXXX Account number XXXX XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX
Product: Credit card

On XX/XX/2023 I paid XXXX XXXX {$3400.00} for a kitchen renovation. I decided not to use them canceled the work asking Capital One for a refund in the form of a check. They mailed me {$3200.00} a check short {$190.00}. Later XXXX XXXX returned all but {$100.00} to Capital One XXXX XXXX XXXX claiming that they were deducting {$100.00} because a man came to my house even though he did nothing. The very next day, Capital One deducted another {$100.00} from my account. I am claiming that Capital One owes me {$190.00} plus the {$100.00} that I was charged for twice totaling {$290.00}. I have written and called without any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a 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
Product: Debt collection

Contacted me repeatedly despite my request that they do not call and providing a specific number to call instead. 

They also called my ex wife, employer, and my former brother in law in an attempt to collect. All of this was after I communicated that they stop. 

( This was an American Express account )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent directly to CB Indigo and FEB Destiny. These companies are also known as XXXX XXXX XXXX XXXX. The reason I originally contacted them is that I have two new collections from the same company. Now I have a total of XXXX negative accounts which should at best only be XXXX accounts. I requested a second time and was closed immediately and no resolution nor a response on why it was denied. In the end, I am requesting the removal of account CB Indigo and FEB Destiny because they are already being collected from a third party
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

On XXXX XXXX XXXX inr has been transferred by wise Their receipt shows that it was done by I had not got money yet I contacted my Bank customer regarding the same and even given them enough proofs but not use They said contact from other end
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

To KIA RE : Form 1099-C Cancellation of Debt I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your XXXX XXXX XXXX don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Debt collection

On XX/XX/2021 I sent a debt validation letter to fox collections center requesting them to verify that the debt they have to reported on my credit is mine in the amount of {$6600.00} and they did not verify that the debt was mine. I sent another letter on XX/XX/2021, today is XX/XX/2021 and I did not receive a response at all from their company within 30 days. Both letters were sent certified the 1st one was received by their company on XX/XX/2021 and the second one was received on XX/XX/2021 by their company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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 or other personal consumer reports

XXXX completed on XX/XX/XXXX Amount {$220.00} still on credit XXXX XXXX  completed on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$510.00} Securitycred XX/XX/XXXX Amount {$460.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$380.00} Macys XX/XX/XXXX Amount {$430.00} Address need to removed from my credit as well every last one of them dont everybody getting in trouble Im tired of being harassed and stalked by these different people who could be pretending
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from MBA Law stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?
Product: Credit card or prepaid card

Trans Union has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.
Product: Debt collection

I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!
Product: Checking or savings account

Due to the impact of corona virus, i have been financially unwell. Most recently i began to really be affected where i had no income at all and no unemployment. I am trying to catch up with my bank, i had 3 transactions charged for XXXX each, and for each one i inherited an overdraft fee of {$35.00}. Right now i owe the bank {$200.00}, stemming from the three XXXX charges. Which is {$140.00} in fees in a matter of a month. I would like to reconcile and pay the 3 payments of {$19.00} to level out my account again. Please help. I cant afford to pay all of these fees.
Product: Credit reporting or other personal consumer reports

I sent them a letter back on XX/XX/XXXX of this year and no one responded to me. The account is paid off and was never late. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX TEXAS XXXX XXXX XXXX GA XXXX To Whom It May Concern, I recently received a copy of my XXXX XXXX XXXX XXXX Experian credit report and I noticed late payment posted on my credit profile. 

ACCOUNT : ACCOUNT # XXXX XXXX XXXX Your company is in clear violation of the law Under 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete/Update the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681. Failure to respond satisfactorily with Deletion/Update of the above referenced account along with sending me a free copy of my credit profile after the changes have been made will result in legal actions being taken against your company. In addition I will be seeking {$1000.00} per violation for : 1- Defamation of Character ( per se ) 2- Negligent Enablement of Identity Fraud 3- Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4- Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Thank you for your time and consideration in this matter, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXXXXXX https : //www.consumerfinance.gov/complaint XXXX XXXX  XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to delete any inaccurate accounts from my credit report. Can you please review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, such as incorrect amounts and dates.
Product: Credit card

Last year I received in the mail an unsolicited credit card from Chase Bank. The card required my activation which I withheld as I did not want the credit card. I promptly forgot about it and then about 3 weeks ago I received a telephone call from Chase advising me that they suspected that my account had been used ( or had had an attempted use ) that appeared to them to be fraudulent. I explained to them that I did not have an account or credit card with them. I explained that I had received an unsolicited card but had never activated nor used it and that I do not want it. They replied that I should contact the XXXX major credit rating agencies to explain what had happened. Yesterday I received a form letter from Chase stating that their internal investigation cleared me from any responsibility for the fraud and that they had so notified the XXXX credit agencies. 
I then though of the XXXX XXXX incident in which employees were opening credit card accounts for people just to get the bonus. Could it be that Chase is also guilty of that? 
Please look into this. I have never applied for an account of any kind with Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Chase is withholding my payroll check and refuse to let me withdraw my money and put it in a new account that I have with another bank I want to withdraw all the money that is in my account that is mines and I dont want to deal with chase ever again I do not know why it takes six days to take the money that is there so I can get my money and move on I hate this bank I dont want to ever do any banking with them again
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( Experian, XXXX, and XXXX ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.
Product: Credit reporting or other personal consumer reports

I filed a dispute with this company CFPB and TransUnion and XXXX on or about XXXX XXXX. I have not heard anything back from the CFPB, I also filled a dispute with TransUnion and XXXX regarding my Credit Report. I Request that you follow up with TransUnion and XXXX about the dispute I filed. It has been over 30 days and I have not heard anything about the dispute ( s ) I filed. These companies are commiting Fraud with no accountability when they report inaccurate Accounts on a Consumers credit reports.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Debt collection

Harassment including 4-5 calls per day, despite requests to speak at a later date. Harassment of family members and invasive unprofessional practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX **Equifax Information Services LLC** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Account Request for Validation Account in Question : XXXX XXXX Account XXXX XXXXXXXX, Opened XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute an account that has been reported on my credit file with both Equifax and XXXX : - **Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date Opened : ** XX/XX/XXXX I do not recall authorizing the opening of this account and request that both Equifax and XXXX provide the following documentation : 1. A copy of the **original contract** that bears my **original signature** authorizing the account.

2. If this documentation can not be provided, I do not consent to the use of the e-OSCAR system for this dispute. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to a full and thorough investigation of this account. 

If you are unable to produce the requested documents, I request that this account be deleted from my credit file immediately. Failure to do so would be in violation of the FCRA, and both credit reporting agencies may be subject to fines of {$1000.00} per violation. 

Please confirm in writing that this account has been either validated or removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX has already removed thiis account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX