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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth XXXX XXXXXX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : This amount was over {$600.00} and by law I should receive a 1099c for Tax pupose. I have not received a 1099C or any documents showing I owe you. Please delete and send me a 1099C. 


I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus Experian, XXXX and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Product: Credit card or prepaid card

I was sent an American Express Business Card opened in my name which I never applied for. When I received the card I called American Express on XX/XX/XXXX and filed a claim about the account. They asked me some questions and said they would take care of the issue. Today, XX/XX/XXXX, I received more mail from American Express about the benefits associated with the account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2023. XXXX || Date of inquiry : XX/XX/2023
Product: Checking or savings account

Okay, I got scammed by a business man that found me on XXXX I was on these groups ( that i have now been kicked out of ), that would basically help you make money ( I thought legally ). This guy had sent me a message, saying that he just wanted to help me make easy and safe money, and that there were absolutely NO risks whatsoever, regarding any sort of legal action. He told me I wouldnt get in trouble and he was just trying to help me make money because i told him how Ive been struggling. I eventually gave him access to my bank account ( user name and password ), i THOUGHT everything was fine. He deposited a check for me, saying that he was just trying to help me, and that there was nothing to worry about for me. He said the check would go through and i would be fine he was just trying to help me make a quick buck. He had been communicating with me throughout the whole process and then all of the sudden things started going down. He started making authorizations that i didnt approve because i gave him by PIN number. I also found out that he made some sort of claims that I didnt approve ( and I still dont know why ), he put money in my account and I sent it back to home because its not mine. I told him how I was uncomfortable and how I couldnt access my account anymore and he said everything was fine. 

I called my bank not thinking anything of it, but they literally restricted my account making me lose access. WHICH I DIDNT KNOW ABOUT. Then they told me theres nothing they can do. They didnt even tell me how to file a claim or anything to get help. I was trying to fix the proble, because I got scammed. This wasnt my doing, and I wanted my account back. 

Then they cancelled my cards my account, and said they would just be sending the money through check to me. So this is my plead on getting my account back please. I didnt think I did anything wrong. I lied to the lady and told her I approved the transactions, but when she told me the check wasnt real I got scared. I told her I didnt do it. But its like she didnt wan na lose it. I just turned XXXX, and I didnt know better, Ive never gotten scammed and I didnt think I was. I wasnt doing anything illegal. I just thought someone was genuinely trying to help me
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violatons wrong info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show XXXX XXXX Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY SSNs show XXXX XXXX Only variations displayed. Select as many as apply XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Executive officer XXXX XXXX has refused report to XXXX, Equifax, and XXXX to CLOSE my trade line to state, that I paid my settlement in full as agreed already.
Product: Credit reporting

I wanted to inquire about the Chase violations of billing practices. Since XXXX I have been attempting to resolve the amount that was placed in collection total amount $ XXXX.However I have not been able to get a determination of who is the collection agency is. My acnt opened XXXX ; Closed XXXX ; Reported XXXX
Product: Money transfers

On XXXX XXXX, XXXX I sent money, via MoneyGram, to my mother in XXXX. Unfortunately, my mother was not able to pick up the money because when she presented herself to the MoneyGram cashier, she was told that the money has already been picked up. My mother explained to the cashier that she has not picked up the money, and asked the cashier to tell her which agency disbursed the money but in vain. 
On XXXX XXXX, XXXX I then contacted MoneyGram here in the U.S to file a complaint and asked for a refund ; an investigation was opened with the following case number : XXXX XXXX. The MoneyGram agent I spoke with said the investigation would last up to 90 days, then I 'll be notified of the result. 
But I was never contacted by MoneyGram regarding this case ; I have been the one constantly calling to ask for an update. Everyone I have talked to at MoneyGram has been giving me the run-around. On XXXX XXXX, XXXX, I called again, and the MoneyGram agent I spoke to told me that my case was close, and that the investigative team concluded that the money was picked up by my mother. When I asked MoneyGram to show me a proof that the money was picked up by my mother, the agent said he could n't disclose that information to me. I also asked to speak with someone from the investigative team, but they refused. 
I 'm completely disappointed with MoneyGram ; this unfortunate experience tells me that money transfers are not safe and reliable. I need help getting a full refund from MoneyGram. 
Thank you, XXXX XXXX.
Product: Bank account or service

On XX/XX/XXXX I called Citizens Bank to ask how I get a statement ... .I was looking for a {$40.00} or {$50.00} check I wroth the IRS XX/XX/XXXX or XX/XX/XXXX ... ..my bank only keeps statements on line for 18 months. So I missed it by 4 days ... ... I was told that the bank could mail me a copy of XX/XX/XXXX If check not there, I could then get XX/XX/XXXX. The next day my account was debited {$120.00} for the statement ... ... ... .I called the bank ... was the put to a supervisor was was going to get back to me ... ... .I am stilll waiting ... ..Who in there right mind would generate a Debit for {$120.00} for a canceled check that 3 days prior could of gotten off their I pad? .. I was ripped off ... ... .looked on line. There is no mention of a {$100.00} to reproduce a statement. No one told me at the time on the phone ... ..not fair to the client
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : AMEX XXXX XXXX
Product: Credit card or prepaid card

American Express - Due to covid, late payment was posted XXXX XXXX after an arrangement to pay half then the rest within 2 weeks later. it was agreed that i would not have a negative report to my credit report.
Product: Checking or savings account

Two problems. The first is that the funds are being miss managed. There will be money missing with no accountability for where it has gone. I can check my growth, reserve, and spending with no evidence of where the money has gone. I legit took all my money out of this bank and went over to XXXX. It has been about 2 years of this nonsense. 

The second is that I have an important dispute that is going nowhere. I made a purchase and submitted a better business bureau complaint and FDIC complaint and even return the product with no refund in sight from the company. The company is horrible at managing disputes all these months later from prior disputes. I am not sure why I am reaching out over the same issues and concerns. When will the problem be resolved? 

I have removed my money to a safer bank and hope these final issues can be handled so I can close my account.
Product: Credit card or prepaid card

I am having issues with my Cash App Account that my SSA direct payments go into, which can not be resolved by Cash App or their Support Team. On several different occasions money has been paid out of my account for purchases I never authorized or received. When contacting Cash App Support via phone or through On line chat I was informed that, Cash App has no information on the Merchant 's Information for me to contact that was paid out of my account. Therefore making it difficult for me to dispute transactions or be reimbursed for the Fraudulent charges taken out of my account. When disputing transactions I was denied being reimbursed for funds taken fraudulently, although it was clearly a glitch within " Cash Apps platform and not on my part. Here are the dates and charges that I have never been given any information on to dispute with Merchant 's or was denied being reimbursed for : XX/XX/2022 XXXX payments made with only XXXX pin verification code entered for & XXXX twice at exactly the same time XXXXXXXX XXXX although Cash App doesn't offer that type of payment being made in their system. XX/XX/2022 paid {$90.00} to fraudulent person claiming to be my Sister on Messenger needing Xmas money for my XXXX XXXX XXXX XXXXXXXX Stated her Cash App card was lost and could I send through her friend 's account which I did. Found out she had been hacked and person posing as her along with other people 's identifies, to steal money through Cash App platform. I alerted Cash App Personal immediately to Scam yet never heard anything back about the Scam or received my money transferred to fraudulent account within the Cash App. Structure. XXXX XXXX {$100.00} paid XX/XX/2022 without my authorization, XX/XX/2022 XXXX XXXX paid {$100.00} without my consent don't even know such a person. Was told my pin was entered at time of payment, therefore I am responsible although I didn't know that person or send the payment with my knowledge. Those are just a few out of many others that have been paid without my consent, knowledge or authorization. Are these common practice 's of all Financial Institutes or are they in violation of the laws that the FDIC and OCC have put in place in order to protect consumers from these type of practices?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

My account at capital one was closed due to bank policy. In my Inquiry of what this bank policy was that closed my account, nor agent or manager could explain the bank policy that caused my account to be closed. Since opening my account, my balance has been paid in full every month and I was even given a {$300.00} increase on top of my secured amount. Due to this closer and how it will appear on my credit report, it will now effect my chances of getting a home loan. My account balance was paid in full XX/XX/XXXX which is before the due date and suddenly closed without notice XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed that there are incorrect accounts.
Product: Mortgage

Been trying for the last 1 and a half years to complete successor in interest and assumption of loan on my home, and remove my " ex '' from the loan. I dont know why Mr Cooper too so long to acknowledge me as successor? I had to ask XXXX XXXX to help and they finally got Mr cooper to send me the right papers and complete this after 1 year. Thank you Lord! XXXX, i filed all my papers for the assumption on XXXX, and it was not acknowledged until XXXX. I have continued to call every few weeks, once a month and it is at 3 full months. I have been told each time that I call that someone will follow up with me soon, that they have all they need on the loan and that its at final " cost '' numbers, and also at " funding? '' but have never spoken to anyone. After 1 year fighting for successor and despite the new CFPB rules for successor, Mr Cooper has put me off this far again! Please help. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus, I am writing to express my concerns regarding an issue with my credit report. It has come to my attention that there is a negative account appearing on my credit report, which I believe to be in violation of my rights as a consumer. I am disappointed by the way I have been treated by the credit bureaus and I strongly believe that this may be due to discrimination based on my race. 

I understand that many individuals have sent similar letters to request the removal of erroneous accounts from their credit reports and have been treated differently than I have. This is concerning and I believe this is a violation of fair and equal treatment for all consumers. 

Therefore, I kindly request that the negative account in question be removed from my credit report. It is important for me to maintain an accurate and fair credit report, and I trust that the credit bureau will take the necessary steps to rectify this issue. 

I appreciate your prompt attention to this matter and I look forward to a positive resolution. Thank you for your time and assistance. 

XXXX