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

XXXX XXXXXXXX credit cards ( 2 credit cards ) and XXXX XXXX XXXX has accounts on my credit report that are being fraudulently reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX XXXX, And experience regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will not remove.
Product: Debt collection

Tide Water continues to call my home number, my cell number and my childhood home number. Trying to collect on a debit that they are stating is out there on my maiden name. I have not used this name in over 16 years. Also my credit has been frozen for almost 2 years as my purse was stolen. I have also checked my credit report and there are no red flags on my credit that I have any unpaid debts. 

There has been no contact from this company in writing on what the debit is or how much is owed. From my understanding they would have had to do this with in 5 days of the original phone call. I believe the first call I received was back in XX/XX/2018. 

Because of all of this I believe this company is a scam. I need them to stop harassing me and my family will the obscene amount of phone calls.
Product: Credit reporting or other personal consumer reports

My personal information is wrong. And address havent been removed like I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PUT DISPUTES IN WITH EXPERIAN ABOUT A BANKRUTCY ON PUBLIC RECORD. THIS PERSON HAS SIMLIAR NAME AND LAST XXXX OF SOCIAL AND LIVES IN AZ. IT IS SHOWING UP ON MY CREDIT REPORT. IT NEEDS TO BE DELETED IMMEDIATLEY. I HAVE DISPUTED SEVERAL TIMES WITH NO LUCK.
Product: Credit reporting

Equifax Issue - spoke with a salesperson to understand their credit monitoring services. Hung up, did more research and signed up online. When specific feature I was promised was not available, I called Equifax back. They indicated I needed to signup for a more expensive service to get the feature I wanted. I agreed, then Equifax ' system went down and they could not upgrade me. I asked to speak to a supervisor. I spoke with supervisor on my signup challenges and in the discussion found out Equifax solution did not have the specific feature I wanted. Supervisor agreed to give me a refund. Never received refund. Called back and was told that my credit had been rejected because I signed up on line. If I had signed up by talking to a salesperson they could have processed my credit. In other words they do not stand behind their product or salesforce or they are calling me a liar. Hard to understand how a credit bureau who reports on others integrity does n't have the integrity to stand behind their sales team - and by the way I had the salesperson 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX since XX/XX/2022 to have an account status corrected which is being reported as Open. This account was paid in full XX/XX/2022 account with XXXX XXXX XXXX, XXXX with account number ending in XXXX. Its still showing as paid collection Open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inaccurate information 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 accounts and inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} XXXXl XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX  XXXX Balance : {$1.00} XXXX XXXX Balance : {$20.00} XXXX  XXXX Balance : {$20.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$14.00} XXXX XXXXXXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX  XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$13.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, Your company has been falsely reporting three accounts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning XXXX years old. As of XX/XX/17, Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my XXXX and XXXX report. These accounts are under a different name, with my SSN, opened years before I had turned XXXX. BOA seems to have noticed the inaccuracies since they were deleted off XXXX CRA 's, but XXXX is still reporting. I disputed the Line of Equity and Mortgage that remain on my XXXX credit file on X/XX/17 only to be contacted by BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to XXXX only. XXXX advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.
Product: Debt collection

XXXX ( XXXX  ) XXXX Springs Oaks Capital Purchased The Debt I Have Submitted A Request To Validate The Debt Showing My Signature on a contract with springs oaks capital I have not received any documentation with my signature on a contract with this company or the company ( XXXX XXXX ) I have filed a dispute with all 3 credit bureau they have not verified the debt I do not consent to XXXX XXXX or any form of automated verification it is damaging my credit report and I demand to see a contract with ( Spring Oaks Capital ) with my signature on it I have contacted this company through mail and filed a dispute they have responded and said they were currently not reporting any account on my credit profile I am sending proof that this is a Lie and also sending proof that they are in fact reporting this account on my credit profile with out providing the proof which is a signature contract with XXXX  ( XXXX  ) or ( Spring Oaks Capital ) they are re aging the account which is also a VIOLATION of my Rights I am going to take legal action if this is not corrected in a timely manner XXXX has removed the account and spring oaks capital has added the account back with out sending me valid proof that the account is accurate. and in order to add it back on my credit profile they have to notify me within ( 5 Days ) this account needs to be removed please be aware that depending upon your response. Failure to validate this debt with the accurate information may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2.violations of the fair credit reporting act. I may be detailing any potential issues with your company via An online public press, including documentation of any potential small claims action CC : Consumer financial protection bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX this will be my final time trying to get this account removed failure to do so I will take legal action every document that is attached is proof that this company are lying and are violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requested immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on its 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

On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
Product: Credit reporting or other personal consumer reports

I have mailed the requested Identity Theft affidavit to Chexsystems two more times since my last complaint. I have also mailed it again with certified mail return receipt requested that Chexsystems should receive according to the USPS TOMORROW. I Want my Fraud Alert extended to 7 years.
Product: Debt collection

XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been stalking, harassing, intimidating, threatening, and assaulting my family.
Product: Credit card

Complaint Summary The complaint revolves around the improper handling of account receivables by American Express Company ( AMEX ) and its subsidiary, American Express XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Specifically, AMEX has failed to address the following issues : Non-Compliance with Fiduciary Duties : XXXX XXXX, as a purchaser and transferor of receivables under AMEXs operational structure, failed to adhere to fiduciary obligations as outlined in AMEXs own XXXX filing. Their actions include pooling and securitizing receivables for profit without providing reasonable compensation to the account holder. 
Securitization and Lack of Disclosure : Forensic audit findings confirm that the complainants account was securitized under XXXX XXXX XXXXXXXX and traded domestically and internationally, generating over {$1.00} XXXX in profits. However, AMEX and XXXX XXXX have not disclosed these activities nor provided compensation for the receivables value. 
Failure to Process Receivables : Submitted International Bills of XXXX and have not been processed as directed, further breaching fiduciary duties. 
Tax Discrepancies : Audit findings suggest potential violations of tax laws, including failure to file requisite SEC and IRS documentation for revenues derived from trading pooled receivables. 
Breach of Consumer Rights : AMEX failed to provide GAAP-compliant accounting, transparency in account securitization, and disclosures required under the Truth in Lending Act ( TILA ), further mismanaging the account.

Timeline of Events XXXX : The complainants account was securitized under XXXX  # XXXX, pooled for asset-backed collateral, and traded on primary and secondary markets. 
XX/XX/XXXX : Notice of revocation of Power of Attorney ( POA ) was sent to AMEX, formally asserting fiduciary control over the account. 
XX/XX/XXXX : Forensic audit was initiated, revealing gross mismanagement, non-compliance with tax laws, and undisclosed securities trading. 
XX/XX/XXXX : First Presentment issued to AMEX, demanding GAAP-compliant accounting, return of funds, and proper processing of receivables. 
XX/XX/XXXX : Second Presentment issued after AMEX failed to respond, reiterating demands and highlighting findings from the forensic audit. 
XX/XX/XXXX : Third Presentment issued, incorporating findings from AMEXs XXXX filing and forensic audit. The document escalated claims of willful misfeasance, bad faith, and gross negligence by AMEX and XXXX XXXX.
Product: Debt collection

On  X/XX/17   , I was reviewing my credit report and saw a collection account from SCA Collections , Inc . The amount was for {$55.00}. I am not aware of any outstanding debt with this company or the company they bought the debt from so I decided to initiate written contact. On  X/XX/17    I sent out the first letter ( certified mail ) asking for verification and validation of this debt. Around  XX/XX/17   , I received a response letter from SCA with what they would consider as verification. They also stated if I needed further information I would need to contact the original company directly. From my understanding, the FTC does not consider an itemized printout as verification of a debt from a debt collector. It is also my understanding that it is not my responsibility for the burden of proof on this debt. I wrote a second letter to SCA on  X/XX/17    again asking for verification of this debt ( document bearing my signature ). I received their response to my second letter around  X/XX/17   . They stated they have meet all requirements and provided me with verification which they have not. If they can not provide the proper verification ( document bearing my signature ) I ask that this item please be removed from my credit reports as it is damaging to credit.
Product: Credit card

Bank of America is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports Update the late payments to paid as agreed.
Product: Credit card or prepaid card

This account was never mine. It is affecting my credit score.