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

Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX : # XXXX 4. XXXX XXXX  XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Product: Credit card

I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them.
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX Date OpenedXXXX
Product: Debt collection

I sent a request for validation that MCM signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$360.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$350.00} XXXX XXXX  Account number : XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Product: Credit reporting

I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX
Product: Mortgage

I have a previous complaint that was " resolved '' in  XXXX .  Citi h ad put me on a " do not use '' list for appraisers by there mistake. They resolved the complaint by sending me a letter saying " sorry for the miscommunication '' and said all is good now. Except it 's not all good. A company called  XXXX  (  XXXX ,  XXXX   XXXX  is in charge of quality control with   XXXX   ) wont send me any business because they still see my name on the do not use list. Th is Citi error  has now cost me 4 months of business from at least one client that I know of and countless others that I do n't know. I need Citi to update ALL of their " do not use '' lists to remove my name immediately. Also, will be consulting an attorney to see if there is any financial relief that might be available. Hard to make a living with Citi 's " error ''.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to log-in via app to my Netspend ( XXXX ) " XXXX XXXX XXXX '' account to check the balance of the attached checking and savings accounts, but I was greeted by the message that my account had been locked. When I called customer service, the representative explained that I would need to submit proof of identity and mailing address via email to unlock the account. When I explained that I had moved to a new address almost 2 years prior and would be unable to submit any recent documents showing my previous address, the representative suggested I close the account and receive a check for the balance. Only after agreeing to do so did the representative point out that the check would be mailed to the address on file, which was my old address. When I asked how I could update my address to receive the check, she indicated I should email a copy of my state ID ( driver 's license ) with my current address to XXXX and that my account would be updated and a check mailed to my current address. I did so, but several hours later I received a reply from that email account indicating that the address on my ID did not match the address on my account, and that my identity verification had failed. I replied to explain my situation -- that I was not verifying my identity, but attempting to update my address per the phone representative 's instructions -- but I received another email indicating that the email support team could not help with my issue, and I should instead contact phone support again. In total, I made 9 phone calls to Netspend customer support over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ), until I was finally assured by the last representative I spoke with that the address on my account had been updated to my current address ( after I successfully answered multiple verification questions ) and that a check for the account balance ( over {$1200.00} ) would be mailed to my current address within 5 to 7 business days. Today is the 15th business day ( 21st calendar day ), but I still have not received that check. I have even contacted the family living at my previous address to see if they received a letter from Netspend addressed to me, but they have not.
Product: Credit card or prepaid card

Citizens credit card I paid my credit card off having problems for the last two months with payments being made, and not being posted interest late fees being charged to my account then charging interest rate when card was paid off, then calling collections and putting my name in collections in all three credit bureaus For {$5.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LexisNexis for failing to properly investigate inaccuracies, such as inaccurate information, improper data collection my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation. Furthermore, LexisNexis actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 16 CFR 313, I am to be mailed every XXXX days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . XXXX, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with XXXX " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase for {$290.00}. I returned the same day and got the amount refunded to my card. On XX/XX/XXXX I still had not recived the refund so I called the prepaid card company and they filed a dispute. I have called everyday to check on this because I really needed the money back. XX/XX/XXXX there was a entry on my statement online " merchant credit hold for review '' they are stating that they recieved the refund frim the merchant but are " reviewing '' the transaction. They say they have up to 7 more days to hold the credit. They will not release the hold.
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as Equifax, XXXX, XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal of similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX 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
Product: Mortgage

There are several complaints in and for WELLS FARGO BANK NA but this takes the taco and is unreal to think it 's possible, Whereas Current documents forwarded to CFPB show that WELLS FARGO BANK NA allowed a Veteran and a Senior Citizen not only to be harassed but also tricked by unlawful means to conspire to steal XXXX XXXX Properties by Re- Financing all his land that had already been paid in full without his knowledge or consent and allowed another party/parties to chop up and sell after being notified of encroaching, vandalism and harassment to log illegally was written as a complaint to the companies involved including XXXX XXXX who to this day has XXXX XXXX ; XXXX as the Insured and owner of REAL PROPERTY including the ones XXXX is fighting for in Supreme Court XXXX , XXXX instead of XXXX , XXXX . were it was filed? 
Where WELLS FARGO BANK NA intentionally requested XXXX XXXX Give away his property and pay {$350.00} Knowing and Willingly XXXX XXXX refused to breach his contracts with the " COMPANIES '' mentioned above, so XXXX XXXX filed complaints with federal agencies only to be the PRIVATE LENDER to FRAUD and THEFT when documents show XXXX/XXXX/14 XXXX owner and XXXX XXXX leaser of property and WELLS FARGO BANK NA is notified and ends up allowing XXXX and XXXX XXXX XXXX to Continue the fraud deceit and forgery by way of forefeitures and illegal attacks trying to kill us, also not allowing Insurance company to compensate XXXX for Vandalism but XXXX XXXX and sons receive XXXX XXXX XXXX XXXX to even add Back DECK to home under XXXX XXXX VA XXXX XXXX as well? How is this legal? Leaving XXXX XXXX ; XXXX XXXX and his son XXXX homeless with excuses and burdens to bare. XXXX XXXX never even signed any papers as the primary and supposedly walked in and paid with cashiers " personal '' Check and paid this property off, on the other- hand statements from the Companies state illegal procedure by BANK AND TITLE COMPANIES to XXXX in fraud and forgery.
Product: Checking or savings account

My XXXX y.o. son has at least one CHIME account with a debit and a visa card. He passed away on XX/XX/2023. He was not married nor does he have a wife or dependents. I have his wallet, CHIME cards, death certificate and critical information and reached out to Chime via customer service # XXXX ( on XX/XX/ ). After 15 minutes trying to navigate their IVR with no success to get a human, I leveraged an email on their IVR to send an email for support assistance. I need to close his account and speak with someone to determine what to do next given he has $ XXXX plus in deposits. He was a XXXX veteran and received a XXXX check of which some may need to be returned to the VA with the rest of funds intended to pay debts/put towards funeral costs incurred. 
I sent an email to XXXX per IVR recording. I included details including name, date of death, last 4 of sin, last 4 of card # 's and a request to get help to process details. 5 minute later, received an automated response to log on to site and change info which I can not do since I don't have access and he is no longer alive. I called back to the XXXX for Chime and after pushing countless buttons, was finally able to get to a customer service rep ( XXXX ) who told me they could not pull account up ( in XXXX ) and to send email to maintenance team at XXXX with copy of license and death certificate. I asked to file a complaint, received a Supervisor ( XXXX ), tried to get him to document deceased sons account. He gave me a ticket # but said he would not document as against protocol. He instructed me to send an email to Chimes email address to which I already did. I sent a second email with Drivers License and death certificate and an hour later, received the same exact canned response. My son is dead and I need Chime to help get things resolved ( close account and help with steps needed to release funds so we can settle with the VA and other entities as needed ). He did not have a will. I am in a horrible loop that I can not navigate. Please help. I did not attach an email given this says to not attach personal information. Please advise if you need details and where to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent accounts : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX scorerewards {$0.00} XXXX XXXX XXXX   {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have made several attempts/ requests with BSI servicing company regarding a pay-off quote. They never replied and i am scheduled to close on the sale of XX/XX/2023. 

The last mortgage statement sent had a balance of {$170000.00}
Product: Credit reporting

I am not clear as to why there is a balance for this account and why  XXXX  can not give me a clear explanation for this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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. 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

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX