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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Re : XXXX XXXX XXXX XXXX XXXX Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX   Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of XXXX XXXX XXXX XXXX XXXX . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft.

Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter.

XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies.

XXXX XXXX   new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.
Product: Checking or savings account

Since XXXX i have held a chase account and was a loyal customer to this business however in XX/XX/XXXX i became a victim of identity theft. My wallet was stolen from me and inside of that wallet held a-lot of important information and merchandise to me including my bank cards and information that pertained to my account, once realizing this unfortunate situation i contacted all avenues to try to prevent any further misfortunes however when it came to communicating the situation with Chase Bank they would not close the account due to activity still pending on the account. In knowing that account was compromised i no longer utilized it and was awaiting them to complete their investigation with hopes that it would result in my account being closed ; However, that was not the case, my account was left open for the person or persons to do fraudulent activity on my account incur fees, make charges and claims that i was unaware of due to believing my account was closed out, due to the investigation in fact verifying it was a compromised and no longer safe account. Prior to this ordeal i filed XXXX taxes and provided the XXXX XXXX with my XXXX XXXX information, my taxes was not processed and paid to me until XX/XX/XXXX and XXXX XXXX unknowing of the situation deposited my check into this compromised account even after they attempted to deposit the first time and it got rejected they forced a deposit again and Chase Bank accepted the deposit causing all of my income taxes to be seized and used to cover an outstanding balance on an account i was a victim of theft on leaving me without anything for survival
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account multiple times with Experian and also with XXXX. The information is still reporting incorrectly to my credit report. The status on my credit report should show paid. It's reporting status is showing as past due 30 days. It has been reporting as that since XX/XX/2020 despite several efforts to get it fixed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) 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 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

I am writing to formally complain about the persistent challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple efforts to address this issue, the fraudulent entries persist, causing significant distress and harm to my creditworthiness. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly establishes the illegitimate nature of these entries. 

Despite my concerted efforts, the fraudulent items persist on my credit report, negatively impacting my financial standing and causing undue stress. I am well aware of the seriousness of identity theft and the importance of swift resolution to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will be compelled to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX Balance : {$8000.00} XXXX  XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Debt collection

I received a summons to court by Cavalry SPV I LLC who made claim to {$6500.00}. XXXX and that they were assigned by XXXX for a this amount. I called Cavalry to try and dispute this allegation because I needed more information and prove because I am told I can request XXXX statements and see all communication made with XXXX on them retaining this information. However I was told on the phone my case with them had been sold to XXXX XXXX XXXX who is another debt collector agency and now the amount is {$6600.00}. Each time its a different person and not the initial person on the summons. This is a motion for no standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to Experian on XX/XX/2021 and was not responded to. Experian is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.
Product: Credit card or prepaid card

XX/XX/XXXX, I contacted Commenity who is the service provider for the Frontgate credit card to determone how to take advantage of the 20 % birthday coupon. The associate advised it would come on my statement. I explained my balance was XXXX and therefore wouldn't get a statement. He then concluded it would come in 1-2 billing cycles. Come where? I explained that the Frontgate website says the coupon expires at the end of the birthday month which would be XX/XX/XXXX. My birthday is XX/XX/XXXX. Associate advised that was inaccurate. Then they suggested I make the purchase and it would update in 1-2 billing cycles. I asked for a manager and after awhile the associate disconnected the call. I called back and was able to get a supervisor. While speaking with them, I got an email advising that my email address had been changed. I DID NOT REQUEST ANY CHANGES TO MY ACCOUNT! The associate that disconnected my call changed the email from XXXX to XXXX. If I had not received the email I would not have received any further communication including my next billing statement. I also wouldn't receive any surveys regarding their service. I'm very upset that an associate was equipped to answer simple questions. Is the Frontgate website misleading about the Birthday coupon or is the associate help system wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX made a fraudulent hard inquiry to my Transunion report. Transunion has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2024
Product: Debt collection

I am being harassed at all times of the day and night by different phone numbers calling me everyday. I have disputed this collection with the credit reporting agencies and asked for the amount to be validated and verified. In response, the collection agency continues to re-age the reported debt and has not provided verification and validation of said debt. I have expressed that my request for validation and verification of the debt they are reporting is not a denial but simply because the amount is excessive and I do not see how or where they have gotten their information from because the balance, dates reported, dates opened, dates closed, are all reporting inconsistent among all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the author of this complaint. 

Equifax has restricted access to my credit report, and through Annual Credit Report, com, and for months. 

This service returns no results, and even after verifying who I am with credentials, personal identifiers and verification of details that should be known and accessible to me. 

Must be noted, My Equifax works just fine. There is an innate difference in the views, data and reporting for consumer reports from ACR.com, and MyEQ.com. 

Must also be noted, that I am entitled to both, one of which I am paying for ( MyEq ). 

Please fix this view issue - and, print and mail a full credit report to the current address provided within this complaint - and none other. 

As you know there is PII data in the report, and that EQ itself, reverted current to an address from almost 5 years ago. 

Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I DO NOT live in XXXX NJ, the address is invalid - and not my own.
Product: Student loan

I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have an Bank of America business account they choose the end relationship I have funds available in my account and was told i have to wait to closing date to close account and receive my funds in mail The closing date keep changing I been dealing with this since XXXX no check have returned or anything since and Im dealing with a very hardship issue outside of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to
privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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

Hello, XXXX XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE YEARS TRYING TO REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT WRITTEN REQUESTS. I HAVE TRIED OVER THE PHONE. I HAVE FILED A POLICE REPORT. FILED IDENTITY THEFT REPORTS. THE CREDIT AGREED TO REMOVE THE ACCOUNTS FROM MY REPORT BUT NEVER DID. THESE ACCOUNTS ARE AFFECTING MY ABILITY TO PROGRESS IN LIFE.
Product: Checking or savings account

On XXXX XXXX, XXXX, I reached back out to Bank of America because they are still reporting to both XXXX and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX XXXX to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Valued customer, Starting XXXX XXXX XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers.

Specifically, this has delayed processing of some transactions including direct deposits and Early Pay credit for direct deposits, as well as electronic payments and transfers ( ACH ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or XXXX. 

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.