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

To whom this may concern ( Experian ) I have recently received my credit reports and noticed that an account was removed from XXXX of my credit reports but is still on my experian report, I am writing this letter to dispute the following accounts : XXXX XXXX XXXXXXXX Account Number # XXXX, Reported : XXXX. XXXX, 2024. Experian and this collection agency are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
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 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.

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. To sum all the transactions I reported that were unauthorized I would like them to be returned and refund back to me.
Product: Checking or savings account

Bofa sent me a message that a check was issued to XXXX instead of an electronic payment, which is the usual method of payment. This can lead to problems and unnecessary fees, as bill pay checks often do not reach the recipients when sent from BofA, as discussed.
Product: Credit card or prepaid card

I am writing in regards to the apparent fraudulent access to my XXXX/Bank of America account. 

On XX/XX/2021, I used my XXXX/Bank of America debit card at a Bank of America ATM XXXX XXXX XXXX XXXX XXXX CA XXXX and withdrew {$1000.00}. 

On XX/XX/XXXX, I used my XXXX/Bank of America app to check my account balance but the account had been missing {$2000.00} I then called customer service to expressed my concern about the fraud and they said that they had fixed the problem but gave me no solutions other than that they would send me a new card. They said that 2 separate withdrawals of {$1000.00} from the XXXX XXXX area during the days of XX/XX/XXXX - XXXX. 
I have never given my card to anyone, never used it online, I only use it at a Bank of America ATM near my house XXXX XXXX and definitely dont travel to XXXX California. 

Monday XX/XX/XXXX I called the claim office where they said that the case was already closed but then reopened but still not providing me with any answers as to how these withdrawals happened or what would be done to compensate for the theft of my money. I dont understand how the case was closed without informing me about the investigation and without a resolution in place. All I am asking is for an investigation into how and who has accessed my XXXX/Bank of America account and stolen {$2000.00} and when will I be compensated. I trust your bank under the assumption that my money is safe there, and during this pandemic, XXXX is extremely important for the survival of my family. What safeguards are implemented to prevent this type of theft and when can I expect any information that will resolve this? Please respond as I am very concerned about any other additional fraud that may occur during this correspondence. 

Sincerely,
Product: Credit card or prepaid card

XXXX has told me when I opened the account I will receive XXXX bonus upon spending XXXX when opening account in first 90 days an it should be applied shortly after XXXX spend is complete. While calling to check up I was told several times that it takes XXXX months to apply. It has been well over a year from the day I opened the account and the spend of XXXX was made, Now simply they tell me to wait XXXX more days when ever I call. Even in the Venmo secure message they acknowledge i should be getting the XXXX bonus as a note is on my account but still venmo refuses to actually honor the offer i was given and provide the XXXX spend bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXX, XXXX 3.XXXX date open-XXXX  XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4.XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pay Pal placed 5 inquires on my credit. 4 on XXXX, two of them were on back to back days XX/XX/XXXX and XX/XX/XXXX, one on XX/XX/XXXX, another on XX/XX/XXXX for  XXXX and then one for XXXX XXXX XX/XX/XXXX. I disputed these inquiries with XXXX and XXXX XXXX, they told me to contact the Creditor directly. I contacted Pay Pay and explained the inquiries were un authorized and could they provide me with documentation to show that I personally made those inquiries. They sent me a letter stating that the inquiries were authorized because of a check mark listed on an online application that says they can run my credit, however ; they did n't provide me with the copies of the applications or anything to show that I made those inquiries, they were not helpful to me in any way. I even have a fraud alert listed on my credit report and Pay Pal made no attempt to go through security measures to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/2014 for XXXX $ I told them I dont know who got this credit card under my name and someone made a payment on it I guess but how could I make a payment on something iv never received a bill or letter or phone call nothing and also someone keeps applying for car loans all those hard inquiries on my credit nun of them are mine so now I cant even get approved for a secure credit card let alone any other kind Im so stressed out my car broke down so I need to get it fixed and I cant because money is tight right now. Help me please Im begging you
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : ( ( XXXX # XXXX ) ) and ( ( XXXX  ) ) *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. *15 U.S.C 1681s-2 623 ( a ) ( 1 ) ( A ) : States a person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion to have several hard inquiries removed, however, after several conversations with the company they have refused to remove the inquires even with the necessary documents. The company has confirmed the documents have been received however still have not removed the hard inquires per my request. I would like the inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Student loan

I have co-signed a loan for my son with Navient loan an I have made the payments since XXXX - I had been getting bills at my home which I moved to in XXXX - all of sudden I quit getting bills and find out they started mailing them to my old address that I have not been in since XXXX - my son had told me that he was going to begin to make the payments so I assumed this had happened - they started calling me about the payment and I made the payment right away- now very month they call me and even when I tell them the payment has been made they call me daily - they called me this week and told me I owed for 2 payments and I said excuse me when was the last payment rec'vd and she stated XX/XX/XXXX and I in fact did not ow for 2 pymts but only for the XXXX payment which I told them had been paid- they called me again today and I advised them they were told a pymnt was made and that they were not to call me- she stated they will continue to call me- I want the calls to stop they call me during my work day and it has got to stop - the late fee is not assessed until the 19th and they got the payment today-
Product: Mortgage

I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.
Product: Vehicle loan or lease

West lake purchase the debt from US Auto after I wrote US auto and ask to recsind the contract, they stated that they did not resind contracts, US Auto sold me a fradulant contract, then went out of business, West lake have not provided me with the full contract or my wet signature.They stole my vehichle breeched my pprivacy and has gotten me denied credit because of the latepayments on my credit score, defermation of character, I plan to seek legal actions, The disturbs the peace in my neighborhood by sending a tow truck, They will not give me back my personal beloninings in the car. I disputed the amount owed and they have not marked it on my credit report that it has been disputed and I have proof that I disputed this information and its not marked on my credit report, I'm requesting 1,000 for all my damages that they have caused me .They also have not notified me or sent any warnings about late payments or car been repo, They have threaten me, called me on my job and harrassed me.
Product: Credit card

U.S. Bank seemed to be intentionally processing the incorrect XXXX charges and refused to stop. XXXX had already confirmed I was due the refunds but refused to issue them. I am owed several XXXX still but U.S. Bank refuses to provide any dispute notifications, or address corrections. XXXX meanwhile, made a rather poor attempt to blame me for items stolen by XXXX  and refused to address their unwillingness to refund items that had been returned per the tracking regardless of if the order was actually placed by me or not.
Product: Mortgage

I had hail damage to my home of over $ XXXXXXXX. The insurance company issued me a check with Ditech Mortgage ( lienholder ) also on the check. Ditech Mortgage stated I had to send them the insurance claim, endorsed check and copy of contract for work to be completed. I sent all of these items along with breakdown and invoices of items I paid for already out of my pocket. I sent the package out and waited. I called after one week and was told they were still working on the file. I received a check today for $ XXXX ( this is what they call half of the {$20000.00} check I sent them. They did not send me the reimbursement for the {$4300.00} that I have spent out of pocket to replace all of my windows ( which were broken and damaged ). They are telling me they will not release until I provide proof windows were replaced. I sent the paid in full receipt for not only the windows but the installation invoice. I sent them pictures yesterday. I called today and was told they will not send any more money until all the work is done. I have holes in my roof and we have had several torrential rains since the hail storm. I need my money to be released so I can get the rest of the work completed.
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 are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX XXXXXXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2021 requesting XXXX to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX monthly billing statement, the consumer has the right to the following : " Your rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all the following must be true : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address, and the purchase price must have been more than {$XXXX} ( these limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services ) ; ( b ) you must have used your credit card for the purchase; and ( c ) you must not yet have fully paid for the purchase. If all of the criteria are met and you are still dissatisfied with the purchase, contact us in writing at the address listed on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent ''. 

I reached out to XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX stating that I was not happy with the credit card purchase since learning the company that sold me the soft water treatment tank that is being financial by XXXX XXXX XXXX. The company XXXX XXXX XXXX was not authorized to sell XXXX XXXX XXXX XXXX as they was fired as an authorize seller due to fraud. The XXXX XXXX XXXX XXXX that was installed was installed incorrectly and was not properly working from XXXX until I leaned of the issue in XX/XX/XXXX. Furthermore, XXXX XXXX XXXX did not fully disclose the finance company nor allow me the opportunity to find other financing. This company received unlawful kickbacks for steering customers to XXXX XXXX XXXX. I have attempted several times to contact XXXX XXXX XXXX to request the clear the remaining balance and report paid in full to ALL XXXX credit bureaus per their guidelines that is printed on each billing statement, however, they have not responded and each time I call I am mysteriously placed on hold and call drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get a loan with XXXX XXXX because XXXX XXXX XXXX XXXX is reporting on my credit file that my mortgage is deferred. I have been paying my mortgage monthly, and have never been late. I have never asked for a deferral. I went to a local XXXX XXXX branch, and they show XXXX deferment. XXXX XXXX local branch suggested I call the XXXX XXXX XXXX division. The mortgage division indicated that XXXX automatically applies 'mortgage deferred ' to all accounts within a disaster zone. We are located five minutes from XXXX, while we did have two hurricanes this year, we did not have a disaster, and we certainly did not ask for deferment of our mortgage. I suspect that FEMA qualifies accounts for deferment, and I suspect the bank deferred our payments without our knowledge and are collecting interest on those payments. 

I can not get a loan until this is removed. XXXX XXXXXXXX XXXX indicated it would take 50 days to have this removed - I've never asked for deferment, and have never been late on payment. This will cost me at least {$1500.00} in lost time and other payments. Can provide information if necessary.