23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

So about 3 years ago I had my cash app card stolen it was dual factor locked to my phone and my phone and wallet were stolen I've tried several times over the last couple years to access it since it had a couple XXXX dollars in savings I don't have access to the email or phone anymore but I know all the information associated with the account including the companies that regularly direct deposited into the account it's attached to my name and social and I know the pin cashapp will not allow me access to this account and keeps telling me they can't give me any access or any more information and that the decision is irreversible
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I have two accounts with American Express ( see attached documents ) for over 10 years. I am putting in another complaint with a different account number. Many years we have had a good relationship with each other. I have never had a late payment with them.

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
Product: Money transfer, virtual currency, or money service

I was contact by someone named " XXXX XXXX '' via a dating app, saying that she would give me money via checks to be a relationship. She had sent over four checks and provided a bank account number to pay off a Wells Fargo Credit card balance. She had sent the checks via email on XX/XX/22 to my XXXX  email address. There were four checks sent to my email the amounts following, {$1000.00}, {$1000.00}, {$1500.00}, {$2500.00}. I unfortunately fell victim to the scam and tried to deposit said checks and attempted the credit card payment with the information provided on XX/XX/22. The checks ended being reversed as well as the credit card payment. She had requested that I send her two payments of {$400.00} and {$500.00} via Wells Fargo 's XXXX Money Transfer service. These two XXXX payments were successfully sent over to a XXXX XXXX on XX/XX/22, ( who I believe is based in XXXX, CA, for the email containing the checks showed XXXX, CA in the email ). I sent over both payments, this " XXXX XXXX '' claimed the payments were for her Jewelry business. Then she requested that I send another {$1000.00} via XXXX, which was declined and did not go through. She then asked me to send a XXXX to XXXX XXXX, which XXXX prompted me to verify the last 4 digits of the person 's phone number, the first 4 digits provided did not work, but the second set of digits provided did work, and XXXX sent the {$1000.00} to this XXXX XXXX on XX/XX/22. Currently as of XX/XX/22, my checking balance sits at - {$1300.00}. I have since ceased all contact with this " XXXX XXXX '', but she still tries to reach out to via email ( XXXX ) in attempt to give me more money via check to resolve my situation. 

Following all of this, I realized I was scammed, and contacted the Wells Fargo Fraud Claims department to file claims on all three transactions, in a attempt to get my money back on these charges. After the claims were filed on XX/XX/22, I spoke with Wells Fargo 's Fraud Claim department again on XX/XX/22, to follow up on my claims. The one transaction on a {$400.00} XXXX payment was reversed, but the other {$500.00} XXXX payment and {$1000.00} XXXX charge were not reversed. I contacted XXXX on XX/XX/22 to file a claim on the {$1000.00} XXXX payment, but I was told since I do not have payment protection, there would be very little chance to get my money refunded.
Product: Credit reporting or other personal consumer reports

Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I called in verified information and I advise representative that I was disputing the validity of the debt and I will like proof of charges. She refused stating that I could not dispute the debt. I asked the representative over 5x her name which she refused to give and blindly transferred me to a manager XXXX XXXX I asked the manager several times the representative name which he didnt disclose at my leisure. I then advise him of the conversation which he told me he would handle the matter
Product: Credit card or prepaid card

I am a victim of fraud. There is a card using my name that I did not authorize or approve. It has dropped my credit over XXXX points. Id like it removed and my credit to be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic XXXX XXXX XXXX. 
12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Product: Student loan

On XX/XX/XXXX I filed complaint XXXX XXXXXXXX. This addressed privately held loans currently totaling {$43000.00} to the now-defunct XXXX XXXX XXXX XXXX XXXX. These loans were disbursed for a total of {$45000.00} between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX was found guilty of misconduct in XXXX and XXXX. Navient responded to the initial complaint by issuing their new " school misconduct discharge application. '' This is a lengthy application full of vague questions repeated in several places throughout the document. I took the time to compile available evidence, as school documents are nearly XXXX XXXX XXXX at this point in time and completed this lengthy process. I submitted the XXXX Misconduct Discharge application via email on XX/XX/XXXX. On XX/XX/XXXX, I received five emails, one for each outstanding loan, that all read that my application for school misconduct discharge had been denied. The explanation read : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' They have provided no objective reason for this denial beyond this statement. They have provided no criteria for eligibility or ineligibility for denial other than that they have decided it. They are trying to wash their hands of these loans by selling them to XXXX. I have requested further details on my denial and the appeals process ; I have not received a response. 
My oldest private loan for XXXX XXXX XXXX XXXX XXXX XXXX was disbursed in XX/XX/XXXX for {$20000.00}. I currently owe {$22000.00} on this loan despite having paid {$17000.00} over its life. Some payments listed in my payment history show as being applied to INCREASE my loan, not decrease it. Navient not only has mishandled these loans but is refusing to discharge them for being issued for a school that has been federally charged with misconduct because THEY do not find that the school has committed misconduct.
Product: Credit card

Recently acquired an American Express Blue credit card, specifically because it offered XXXX % rebate on groceries. After several calls and questions, they told me that XXXX does not qualify because it is a XXXX XXXX. I asked them why it was not possible for them to talk to XXXX and come up with a way to code grocery purchases and thus give credit where credit is due. I asked them if they were aware that XXXX is one of the top grocers in the United States, to which I received only silence. I do buy produce and meat from XXXX, which qualifies, but all the rest from XXXX, because they are consistently better priced. I am not a happy camper!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection Activity Dear Sir/Madam, I am writing to dispute the debt collection activity related to the alleged debt referenced XXXX currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am exercising my right to prohibit communication with third parties regarding this debt, except as allowed by law. 

According to 15 USC 1692c ( c ), debt collectors are prohibited from communicating with third parties, except for the purpose of acquiring location information about the consumer. I assert that any communication with third parties regarding my debt violates this provision of the FDCPA. 

Therefore, I request that all communication regarding this debt be directed solely to me at the address provided above. Additionally, I demand that you cease any further communication with third parties concerning this matter. 

Please be advised that failure to comply with the FDCPA may result in legal action being pursued against your agency. I expect a prompt response to this dispute letter confirming your compliance with my request. 

Sincerely, XXXX XXXX
Product: Credit reporting

Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Follow-Up Regarding Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing in response to your recent communication regarding my dispute of unauthorized inquiries on my credit report. While I appreciate your explanation that inquiries remain on my report for two years, your response does not address the issue at hand : the verification of permissible purpose for the inquiries I disputed.

As stated in my original letter, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer report may only be accessed for specific permissible purposes, and such purposes must be documented. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that information found to be inaccurate, incomplete, or unverifiable after a reinvestigation must be promptly deleted.

I have already contacted the companies responsible for these inquiries, and they have failed to provide written authorization or any documentation demonstrating I initiated or authorized these inquiries. This failure makes the inquiries unverifiable and, therefore, subject to removal under the FCRA. 

To reiterate, the inquiries in question are as follows : XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I respectfully request that you provide me with documentation confirming these inquiries were made with permissible purpose. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report immediately. 

Please provide a written response to this matter, including the results of your reinvestigation, within 30 days as required by law. If no resolution is reached, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix  this ASAP please Im looking to purchase a home.
Product: Debt collection

I was invoiced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$70.00} on XX/XX/XXXX for an outpatient visit that occurred on XX/XX/XXXX. I paid the invoice via XXXX XXXX  XXXX on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The correct amount was pulled from my XXXX and paid to XXXX XXXX group at that time, however I was invoiced three additional times for the same amount for the same statement number. I verified with XXXX that the bill was paid and funds withdrawn, and I verified over the phone with XXXX XXXX XXXX that they had received payment, but they sent the alleged debt to a debt collector on XX/XX/XXXX anyways.
Product: Checking or savings account

So on XX/XX/XXXX, I saw an transaction of XXXX dollars that is mine transferred to another account that I dont have or I dont know about. When I called chase 2 days in a row to get this resolved they could not give me details nor could they tell me what account it was transferred to so I could get my money back. So me, my mom and sister have a joined account but separate checking accouts. So I can not see their money nor touch it. My little sister was involved in a fraud thing where she got scammed someone withdrew XXXX from her account and chance was suppose to handle it and close her account. So I guess chance took my funds out my account and put it in her account to cover it. But I dont get how they can take my money from mine to use to hers just not right. Plus I had nothing to do with her stuff. Just have a join account. We spoke to someone from chase and they said that ; that account was suppose to be closed and no one should be about to touch it.