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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX  XXXX XXXX XX/XX/XXXX {$3700.00}, XXXX XXXX XXXX - {$360.00}. Inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my credit was illegally ran by synchrony financial causing me to have a have a hard inquiry on my credit report. I did not apply for any credit on XX/XX/2022 and I need this inquiry that was illegally placed on my XXXX report removed. I contacted the synchrony bank fraud department on XX/XX/2022 and spoke with someone named XXXX who informed me that someone tried to illegally apply for credit with synchrony bank using my Identity. She informed me that synchrony bank would send a request to remove the inquiry from my report but that has not happened and the false inquiry is still on my XXXX credit report.
Product: Bank account or service

I had dinner with a friend of mine several weeks back. He told me about the XXXX XXXX XXXX account with Capital One. I went to their site and applied online for a XXXX XXXX XXXX account sometime on or about XXXX XXXX, 2016. I am starting my management consulting business. 

It is now XXXX XXXX, 2016, and while I have online access to the account, I have yet to receive any documents to actually be able to move money into or draw from the account. I 've spoken with several people at Capital One, and each time, I am told to wait " 1 or 2 business days '' for a response. I have yet to receive anything. 

The last time I called I spoke with a Capital One associate named XXXX and she told me that there was a restriction on my account. I asked her why, and her response was that it was a " one off. '' It is my contention that the restriction they currently have on this account is exceptional and outside of Capital One 's own protocol and policies. 

I would like the CFPB to look into this matter. 

Thank you, XXXX XXXX
Product: Debt collection

I am writing to dispute the accuracy of a collection account listed on my credit report I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.
Product: Credit card or prepaid card

OVER XXXX YEAR OLD ACCOUNT - CAPITAL ONE - card ending XXXX DATE : XX/XX/2020 AMOUNT : {$49.00} - XXXX XXXX ( I think this is XXXX campaign got my number from XXXX without my approval ). 

NEW CAPITAL ONE CARD - card ending XXXX. 

CARD WAS SENT BACK IN PIECES U.S.P.S. XXXX ALONG WITH DOCUMENTATION STATING THE END OF BUSINESS + OVER 100 FAXS EVERY DAY FOR A MONTH.

CRIMINALS CONTINUE TO BILL {$4.00} A MONTH + {$49.00} + INTEREST. 

PLEASE END THIS XXXX - THESE BLOOD SUCKERS HATE AMERICAN CITIZENS
Product: Student loan

On Sunday, XX/XX/XXXX I spent a few hours gathering information on my student loan including : downloading all available statements, noting down 'current balance ', 'paid to date ', 'interest paid ', 'interest rate ', etc. in order to validate the suspicion that Wells Fargo does not apply the .25 % Auto pay discount as advertised. Attached is the all supporting documentation available to me and compiled for you with a detailed breakdown of interest rates from XX/XX/XXXX - XX/XX/XXXX with those impacted interest rates marked as reference with a circle. 

The initial loan taken out and that was disbursed years ago was set up with automatic payments for a number of years. The available statements relating to this loan are dated from XX/XX/XXXX to XX/XX/XXXX - I have submitted and am awaiting paperwork covering the rest of the loan. Please look at those dates indicating that on each statement the .25 % was not applied. On the second consolidated loan, from XX/XX/XXXX to XX/XX/XXXX, during the time which the loan was set up with Auto Pay, the lender again failed to apply the .25 % discount. 

Wells Fargo has thousands of student loans and I am certain this is a common issue among all of their student loan accounts with Auto Pay, and if not all, most certainly a majority. I consider this fraud as upon reviewing what is marketed, and the legal copy, I find no indication that my current loan or the original loan would not have qualified for Auto Pay discount based on the disclosure available. I consider this a very serious issue. Wells Fargo does not apply the Auto Pay discount when the student loan customer ( s ) meets the criteria advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Santander Consumer to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021, XXXX/XXXX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX XXXX firm on my behalf has communicated with XXXX on XX/XX/XXXX and to this day XXXX has not responded. See XXXX XXXX XXXX XXXX XXXX  XXXX, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX, however, XXXX  refuses to respond, Therefore, XXXX  is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting.

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why XXXX  refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX  which include ( XXXX XXXX XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX ). In both of those cases XXXX purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX account number- XXXX you are reporting this collection as an ''Open account. when is not under the ''FCRA compliance. this inaccurate reporting and this need to be removed immediately. please send me a copy of my credit report when the above deletion has been removed. Please attach copies of the following : 1, the purchase agreement,2 Name and address of alleged creditor 3, Date of the original charge off or delinquency 4, amount paid if debt was purchased 5, The original contract and signature on file from the original creditor and all statements while this account was open 6, agreement with your client that grants collection company name the authority to collect this alleged debt 7, Any agreement that bears the signature of debtor, wherein agreed to pay creditor
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 and unprofessional 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Mortgage

Im now without a home because they told me it was ok to switch jobs months ago and then 3 days before my closing after everything including me paying XXXX for an inspection, they say that we cant close because of the job switch, which I had gotten approved by my loan officer months ago! 
Now Ive requested a supervisor and a contact to their lawyer and no one even responds to my emails. Its been days and days Ive been trying to reach someone higher up or their corporate complaints department and not a single email. 
Its now been 4 days since Ive requested a corporate complaints number, a supervisor to XXXX, or a contact for a company lawyer and I have yet to receive anything. 

First request was Wednesday XXXX Second request Thursday XXXX And now we third request today Sunday the XXXX. 

I also want to state how n the email that not a single person has called or emailed me since my request or even called to explain why I wasnt approved. 
Just a email 2 days before Im suppose to close, after my employer offered to send whatever was needed and no one ever said what he sent wasnt enough. 
Also after I got approval from this company to switch companies since its within the same industry, and then yiu wait till 2 days before closing to decline. 
Im now out a home since Im already packed to home into my new home, Im out my inspection funds of XXXX dollars, which had someone said dont switch jobs until after closing i would have just taken a later start date which I was given the option to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$790.00}
Product: Debt collection

Despite confirmation from associated banks and the submission of documentation, TransUnion has failed to promptly remove fraudulent accounts from my credit report, violating legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX ( I Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and fraud activities. While having my accounts linked to XXXX XXXX XXXX. Many charges occurred from my accounts that I have asked Experian, XXXX and XXXX to block and delete from my credit report. I currently have typed a letter going out tomorrow the XXXX or the XXXX of XX/XX/year> and I am explaining to the credit bureaus my dilemma that has gone unheard without the necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

All I asked WF is to properly subtract my entire principal payment from the balance like they should have done on the date of payment. Wells Fargo is trying to commit fraud again! All I asked them to do was fix this so-called mistake and they refused. They just gave me the run around! No idea what they did????? All I know is WF is charging me interest on my incorrect balance! 

By accepting the principal payment and having it printed on the receipt, WF entered to an agreement to accept the principal payment! I should have been not been told it would go towards my balance if it was not going to be at the time of the deposit! Principal payments go directly towards the balance only, not interest! 

Principal payment is simple math. The entire principal is subtracted from the balance only! They do not need to contact me to confuse the situation or try and convince me what they did is correct! This is not the first time Wells Fargo has done questionable activities, in fact there is a XXXX ( Dirty Money ) special just on Wells Fargo illegal activities. This is why they have commercials that state : earning your trust back .... Now the question is how many customers is Wells Fargo doing creative accounting on?
Product: Debt collection

I have been victims of an Identity theft, I fill up a FTC report twice but the information came to me verified by XXXX. That collection is the only negative Item in all my credit history and I have it recorded only with XXXX. I have nothing to do with that account I never leave in that address reported by the collection is not attached to my credit report. That account is stopping me from moving on with my live. I'm unable to qualify for a simple apartment with my daughter because of that. Please sir I really need your help on this.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that DCU has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX months ago I opened a credit building account with Kikoff Lending and I was under the impression, like all the other companies that do this, that if I cancelled my account before the XXXX  months was up I would receive a payout for the money I paid into it, I mean why wouldn't I get that money back? I had no physical credit card, no access to my line of credit to use and nothing I could do with it. I just paid {$35.00} a month that was automatically taken out of my bank account to have a {$3500.00} line of credit. I'm not paying them for any sort of goods or anything or paying off money that I can spend, and I didn't receive anything from them. XXXX, XXXX XXXX both gave me payouts for my money that I paid into their credit builder accounts when I cancelled, because why wouldn't I get that money back? There's no real or right reason on how XXXX is able to do this. I cancelled my account this morning because I NEED to get car repairs done, thinking I was getting $ XXXX {$280.00} back from them for the money I've put into the account and received nothing from it. My account just goes blank, with no option for payout or anything and so I called them and they just continued to run around the same idea that they can just steal people 's money because they didn't make it to the XXXX  month mark. There is no contract stating I have to be involved for XXXX  months, or at least not one I was EVER aware of when opening the account. This is straight up fraud and this company needs to be shut down. They misrepresent what they offer and then scam people put their money doing so. What a shame. There is no way to make sense that they are able to do this and it is utterly and completely wrong and should 100 % be illegal.
Product: Credit card or prepaid card

After receiving numerous solicitations from American Express to re-open my Platinum Delta Skymiles credit card, I finally decided to submit an application so I could receive the offer they were promoting. This offer was for XXXX delta miles and XXXX XXXX if I spent a minimum amount within the first 4 months ( as well as a {$100.00} stmt credit ). I called to confirm the offer and was told that I qualified since I had n't had this card in the last 12 months ( I had one previously but it had been 3+ yrs ). 

I met the qualified spend in the XXXX timeframe. It seemed to be taking a while to receive my points so I called to ask where they were. I was informed it takes a couple months so call back later. Since then I have called a few more times. They kept telling me to be patient and they would be posting any day now. 

On XXXX XXXX, XXXX ( today ), I called and was informed I have not received my points because I do not qualify for them. In addition to being misled by the marketing material I received, I was misinformed by all of the Amex CSRs. I was also charged the {$190.00} annual fee and have essentially received nothing for this when promised an intro offer. 

I escalated this complaint to 3 levels of managers at Amex and the only goodwill gesture they could make was XXXX miles which is insulting. I have hurt by credit score by opening another card and paid an annual fee and they can do nothing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraud activity to my bank XXXX about cheques, which were deposited into my account that I knew nothing about. My stolen deposit card was used for purchases and money transferred from my account. When I reported this, the bank decided to close my account upon investigation. A few weeks later I received a statement saying my account balance is XXXX. Then a few days later another letter saying the cheques have been returned and my account was negative {$15000.00}. A couple of day later my account was closed. Any attempt to open a new account has failed.