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

Re : Urgent Request - Fraudulent information Block under Section XXXXB of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
There is inaccuracies in my name, DOB, and fradulent addresses and phone numbers on all my account. have reached out to all three credit furnishers and non of them have respoded or provided proof of the request for removal of all the aforementioned accounts, name, addresses, phone numbers, employers and inquires soft and hard sustained by these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please be advised that as of today, I have not received any response from your organization regarding my disputes with XXXX XXXX XXXX, Acct. # XXXX. This account is still being reported inaccurately. 

Numerous XXXX up letters were sent and still went unanswered. 

Transunion is in violation of the FCRA.
Product: Checking or savings account

Bank of America has opened accounts for me multiple times in the past 2 years without my consent or any effort on my part.

1st time was XX/XX/XXXX 2nd time was XX/XX/XXXX 3rd time was XX/XX/XXXX Each time no $ $ was involved but i had to to call and cancel these accounts. Each time it is multiple accounts opened in my name. Today ( XX/XX/XXXX ) it happened to my wife. A checking account was opened with her name and she has never had a bank of America account. I have had one many years ago ... .but, canceled a long time ago.
Product: Credit card

Near the first of the year I enrolled in a credit line with Synchrony bank for no interest financing of some home repairs. Somewhere in the enrollment process there was allegedly a service I signed up for called 'card security ' that costs 1.6 % of the balance of the account monthly. I only noticed after a few months of seeing a $ 166 monthly charge. I called the customer service number on XX/XX/2024 and cancelled the service and got a refund. 

I have no recollection of signing up for this service and I certainly wouldn't have signed up for anything with that kind of monthly cost. I suspect there was a checkbox or button of some kind that was intentionally misleading during the account creation process. 

Please warn folks to beware credit offers from Synchrony Bank! Watch out for hidden fees and scam services.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

I received a letter earlier this year alleging a debt by a company called XXXX XXXX. On or about XX/XX/XXXX a letter was sent to them requesting information/validation/disputing the debt. As a consequence, they stopped all contact for the past few months. Today XX/XX/XXXX a voice mail was left by this company. They have never attempted to validate the debt or provide any of the information requested.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( Block, Ink. ) 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. Furth more, 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 card

I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

We had XXXX XXXX, back in XX/XX/XXXX we contacted them that we wanted to stop our service, We paid the final bill, we then switched to XXXX XXXX for our high speed internet, phone, and tv. We were surprised to get a bill from XXXX and contacted them after we canceled our service, XXXX then sold our account to DIVERSIFIED CONSULTANTS, We have been fighting with them and XXXX XXXX to get this removed from XXXX XXXX 'S account for almost 2 yrs  now. The total amount we do not feel we owe for two reasons first this account was not sold to the collection until XX/XX/XXXX, and two we canceled our service. And gave them plenty of notice about it as well. D.C is showing they have had this account since XX/XX/XXXX that is not true.I had submitted a complaint before but had the wrong name but this time I have the correct name. All we want is for this collection to be removed from his credit report. It is past the normal time frame of 2 years, it's time for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my  XXXX   XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under  Sectio  n 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing th em to 3rd parties you a re damaging my reputation and credit worthiness.     Under the FC RA 15 U.S.C. 1681i, all unverif ied accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX ,  XXXX  A.    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX     XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 card or prepaid card

On XX/XX/2020, cardmember initiated contact with Capital One and went through a very lengthy process to get the account un-restricted. I was advised there was a lift on the account after the representative contacted my bank and had them on the phone with me to verify information on the account. I called back 30 minutes later and was told that the account was restricted and that they would need to send me a text message and contact my bank. Prior to this, I had a " Supervisor '' on the phone who was unwilling to assist or cooperate with any of my requests. Needless to say, I believe she was very unprofessional over the phone and my thinking is she needs to be terminated. Each representative gave different accounts of the processes that occur for Available Credit at Capital One. This is a reminder that being rude to customers over the phone will not help any company long term. Either I get representatives who can not articulate sentences in English well enough, or I get people who have a clear neglect for building on customer relations and just ignore requests over the phone while being rude in the process. Complaint is also being addressed with the FTC, the XXXX, and to investigate what Capital One employees are doing with my information. I also feel that every representative including supervisors need to be drug tested, as their inability to handle situations professionally leads me to believe that they may be under the influence of some type of abusive substance.
Product: Credit reporting or other personal consumer reports

I have given instructions to aid advantage in the past to opt me out from Sharing my information unfortunately for some reason this information continues being Update it on my XXXX consumer credit report this information is a fraudulent information that I have disputed with the CFPB in the past, aid advantage has been sending me an Incomplete Promissory note without the Wet signature contract, so, I am writing to exercise my right to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties. Please take note of the following instructions regarding this information sharing and sales policies. Under 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XXXX XXXX XXXX from requirements of 433.2 ( a ) Also. I'm asking for the Opt-Out Request I hereby request that aid advantage do not disclose or reserve the right to disclose my nonpublic personal information to any nonaffiliated third-party Categories of Information Please identify all the categories of nonpublic personal information that you currently disclose or reserve the right to disclose, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of Regulation P. Additionally, specify all the categories of nonaffiliated third parties to which this information is disclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$9600.00} Date opened XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX Balance {$4300.00} Date opened XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have found inaccuracies on my credit report that fall under 15 USC 16c-2. I am convinced that this information is incorrect and adversely affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had debt with XXXX  XXXX which was closed with a status of paid/closed never late. Portfolio Recovery Associates ( PRA ) purchased the account. PRA is still reporting this debt as open and derogatory when according the FCRA this debt has passed the 7 year allotted time.
Product: Checking or savings account

I responded to a banner ad from US Bank to open an account with promo code XXXX. I had to do 3 XXXX send money transactions for XXXX over 3 months. I also registered my cell phone with their app. Before it was opened, I had to talk to a banker to verify information and in the process I asked her if the promo code looked good and had been accepted and she emailed me back that it did. Now, it's time for the XXXX bonus and US Bank replied that I had to live in the XXXX area and missed it anyways by a month. That's surprising because I printed out the terms and read the fine print and did not see that.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX  # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX XXXX  # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX  # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit card

Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. 

As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. 

If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX HAD ANY BANKRUPTCY
Product: Debt or credit management

Level One Law company and I had made a contract and signed on XX/XX/XXXX. They have promised they will settle my credit card debts ( XXXX ) and reduced the total amounts which is about XXXX, as well as monthly payments. Theyve collected {$900.00} from my checking account monthly which theyve started on XX/XX/XXXX until XX/XX/XXXX. Theyve tried to settle with my first debt and on I believed XX/XX/XXXX, they made an agreement with my first debtor that I will pay $ XXXX in full from the original debt of XXXX. I told the Level One Law Representative that theres no way I will be able to pay that full amount and they agreed they will have to renegotiate. On XX/XX/XXXX I was contacted by their Lawyer and with limited time they need my approval and signature to start payment of {$260.00}. I signed the Court Order and their Lawyer informed me that she will submit it to their company to process the initial payment which is due in that same month. I called Level One Law after a week to check on their progress ; no payment has been release from my supposedly savings account which were managed by XXXX XXXX, their third party affiliate. I asked their Lawyer and she had informed me all papers were submitted and just waiting for the company to make payments, but she also told me she will request the Debt Collection Agency for late payment, which they agreed in order to avoid being late and paying the amount in full. After another week and after making several other phone calls to both Level One Law and the Debt Collection Agency and there still no payment. Again, spoke with Level One Representative and she told me theyre still working on it and I might have to pay out of pocket to avoid late payments. This is when I realized I need to terminate this contract and to stop making payments to Level One Law Company because they have no intention of paying my Debtor. I requested for a full refund because of the breeched in contract. I was told that the company is under litigation and they can only refund me the money in my saving which is {$2900.00}. The total amount I have paid them for our contract agreement was {$12000.00}, I filed a Civil Court Case in New York for {$9700.00} for the full amount for not fulfilling the contract agreement.