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

XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Please contact XXXX to speak to their legal department on the above info with the first listed email. This individual is responsible for hacking several XXXX accounts and stealing multitudes of XXXX XXXX tickets into his personal account, then immediately reselling them via non-protected payment methods by offering to send tickets first. The stolen tickets eventually get revoked out of the buyers account. They have scammed several people out of thousands and thousands of dollars. I was advised by XXXX to open a police report with my local department because then you'll then be able to use this info to contact open police reports in the US. By calling XXXX, youll be able to speak to the legal team to obtain the open fraud case, address, cell number, and etc of the individual if police/investigator/etc I have an open police report for claims of {$24000.00} that he swindled me for with fraudulently stolen tickets that will be revoked from my XXXX account - I am out the money for the tickets and the tickets themselves. Devastating.
Product: Debt collection

I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION AND ENTIRE WALLET WHEN I WAS ROBBED AT GUN POINT IN XXXX OF XXXX AT XXXX. EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION ALONG WITH MY OLD ADDRESS ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) AND MY STOLEN IDENTIFICATION TO OBTAIN LOANS AND CREDIT. 



My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit card or prepaid card

A credit card account was fraudulently opened on XX/XX/2023 in my name through Synchrony Bank /Venmo . After receiving a push notification from Venmo on my cell, I contacted Synchrony Bank/Venmo and

advised them that this account was fraudulently opened. I was advised by the bank 's customer service rep that this account was immediately shut down. The rep indicated that we would receive a letter in 5-10 business days ; and also that the bank would notify the credit bureaus. I would not be responsible for any charges that have processed.

Please also note that I disputed and reported this to the three credit bureaus as a fraudulent act as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.
Product: Credit reporting

this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE ACCOUNT ending in XXXX was charged off in XXXX  and paid in settlement. New York State FCRA mandates that this account be deleted from my personal credit report. I have reached out to XXXX to have account removed, as well as Capital One. This behavior is abusive on their part, even with laws on the books they still skirt the law. See XXXX XXXX XXXX ( f ) ( iv )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ( A ) ( 1 ) A person shall not furnish 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 card or prepaid card

I applied for the American Express Hilton Honors credit card on the public welcome offer of getting {$100.00} credit plus XXXX bonus points after spending {$1000.00}. Two weeks after the approval, I did not receive the card. I called American Express for a replacement card. The Representative refused to send a replacement card. He assured me that the original card was on the way. Another two weeks had passed, and I still did not receive the card. I called American Express again, and this time the Representative agreed to send a new card and stated that I had 90 days from receiving the new card to fulfill the requirements to get the bonus. One whole month was wasted. I fulfilled the requirements by spending over {$2000.00} ( only spending {$1000.00} is required ) within the time frame, but did not receive the bonus points. I called American Express on XX/XX/2021, a female Representative assured me that the XXXX points will be issued within 8 weeks. She stated that XX/XX/2021 was the last day to receive the bonus points. I patiently waited another 8 weeks, and no bonus points showed up.
Product: Credit card

I went in for a free screening at XXXX XXXX XXXX at the appointment they approved me for a Care credit account. When I say that my account had been charged {$5900.00} I reported it as fraud. I have not had any appointments with this facility. I believe the people running this scam are not medical professionals. I only went to the free appointment. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX TX
Product: Debt collection

I have attempted to resolve this issue with the XXXX for some time now and have not had any responds. I have also tried to dispute it with XXXX and they have said they are unable to dispute the matter as well. My last resort as a Consumer that is being violated under 15 USC 1666 false and misleading statements I hope that you are able to assist me in this manner. The report number with XXXX is XXXX and the collection company is named Columbia Debt Recovery XXXX I was never involved at any point at any time with this debt and they have not produced anything with my signature to provide any validation or verification of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed XXXX {$3100.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$3100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash ( Block , Inc ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection. Specially Cash App failed to make timely and effective measures to prevent and addres fraud on their platform, leaving account vulnerable and unprotected. Their resolution process was unfair and deceptive and they did not comply with error resolution requirements under EFTA and regulation E. These actions have caused a significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Experian is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX. Experian has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. The same collection company has closed and removed this collection off my credit report on XXXX. When disputing this item Experian came with an update or verified within 2 days of filing dispute. They did not do proper investigation. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.
Product: Mortgage

Shellpoint Mortgage Service XX/XX/2016 ATTN EXCALLATION DEPARTEMNT LOAN NUMBER XXXX XXXX, Chief of the Escalation Department. 

Dear XXXX : I am in receipt of the letter send from you Department on XX/XX/2016- Someone is CLEARY NOT PAYING ATTENTION TO MY ACCOUNT : OR THE RETENTION OF MY HOME- When I received the call on XX/XX/2016- from XXXX he knew that the DOLLARS where incorrect on my Modification Denial with the UNDERWRITING DEPARTMENT not adding any rental income. In addition, his superior called me per my insistence in the Denial of the Modification an also concurred that there was no rental income and the Modification showing a NEGATIVE loan ratio of ( -140 % ) -- Debit to income- NOW let 's look at page one of your XX/XX/XXXX letter FROT with ERRORS- and misinformation. 
# 1 My net income for EXCURSIONS as sent in is $ XXXX That is my SEDAN CAR BUISNESS No added correctly is the long term rental property income of {$5300.00} discounting the income per HAMP at 75 % is a positive {$3900.00}. THAT would clearly make a monthly NET income to me of {$6500.00} per month NET to ME XXXX- take away the MORTGAGE PAYMENT for the rental unit of {$2600.00} = {$3900.00} take away with a new HAMP MODIFIED PAYMENT on the balance of {$370000.00} on a 2 % note the payment would be at {$1300.00} per month- plus taxes and insurance of roughly {$500.00} per month I would be at 50 % LOAN TO VALUE NOT NEGATIVE 140 PERCENT- SO, let 's look at {$6500.00} a payment of {$1900.00} would be a positive 32 % Debt to income ratio- Now please try to explain this to the Consumer Protection Bureau- your response is not posted on my site and a second note was sent to you for my concerns of your response. 

XXXX CO XXXX- XXXX CC XXXX Attorney on File and the Consumer Protection Bureau. 
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Product: Debt collection

Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact.
Product: Student loan

I attended XXXX XXXX University in XXXX. At that time I was told that I needed to borrow {$7700.00} to cover the remainder of the semester. The loan counselor stated that I would only have to pay {$50.00} a month to repay the loan. Now I have a {$200.00} payment with 13.50 % interest rate and the bill is now {$13000.00}. The university is a for profit university and was under XXXX at the time, which I was not told about. The loan has doubled and I was not told about the XXXX. The interest is {$140.00} each month and {$63.00} a month and I have been paying it since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  service has been attempting to collecting a debt. XXXX  when they were dispatched and were paid by insurance company. They continue to slam my credit with no attempt to contact me. The episode was over 4 years ago. Made attempt to have removed by Transunion but was declined. 

In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
Product: Debt collection

Chrysler Capital has called repeatedly about a 2017 XXXX I purchased with my now ex-husband. I told Chrysler Capital I lost my son, could not work and my husband, a XXXX, was primary on the loan. My husband filed for divorce a year after I lost my son and I am now raising XXXX young children on my own with very little to no money and an XXXX  year old XXXX XXXX XXXX and XXXX year old son with a XXXX XXXX. I asked them not to call me again because I am often times waiting for my children 's doctor to call or tending to my children and at this point I was going to be talking to an attorney about bankruptcy, I have not yet been able to consult and retain an attorney. I told them my ex husband is a XXXX, therefore if they were to collect anything it would be from him so please don't call. They continue to call ( and ask for my ex husband even though I told them we are divorced and I have not heard a word from him ) almost daily. In the last week they have called XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX and I am sure it will continue throughout the week.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/2024 failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.