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

I have had my PayPal account for 20 years. I logged in on XX/XX/2021 and 2 minutes later I get a message saying my account has received permanent limitations. When I call to figure out whats the problem, they cant give me an explanation. I have not had and transactions since middle of XXXX. Their attitude is basically just oh well. This account has been important to me from the beginning and I have done my best over the years to make sure I dont do anything to warrant something like this and it happens anyways. The reason I even logged in that day was to get the info to have my social security check direct deposited to the account. 20 years means nothing to them apparently!!!!!
Product: Checking or savings account

Claim : XXXX Claim : XXXX I am writing to formally request the immediate reimbursement of {$4400.00}, {$920.00} in fraudulent transactions debited from my account ending in XXXX. Despite previous attempts to resolve this matter, including the submission of an FTC Identity Theft Report and correspondence from the merchants, these fraudulent charges remain on my account. 
I have been a loyal Bank of America customer for a number of years and have experienced multiple blackouts and errors within your banking system, which have exacerbated my situation. As a victim of identity theft, I am entitled to protection under the Fair Credit Billing Act ( FCBA ) and Bank of America 's policies, which mandate the investigation and removal of fraudulent/unauthorized charges. 
Enclosed with this letter are : : A copy of my FTC Identity Theft Report, detailing the fraudulent activity. 
: Correspondence with the merchants confirming that I have no account or transaction history with them. 
Under Section 605B of the FCRA and your bank 's policies, I am legally entitled to the immediate removal of fraudulent transactions from my credit report. I kindly request that Bank of America take swift action to reimburse the {$4400.00}, {$920.00} and provide a provisional credit to my account while the investigation is completed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the return of the funds to my account.
Product: Money transfer, virtual currency, or money service

Bitcoin Depot is a service provider that allows cryptocurrency to be sent using cash at on of their bitcoin ATMs. On XX/XX/2024 I sent {$210.00} to a virtual wallet. The first incident is the fees are not properly disclosed at any part of the process and you dont know what they are until the currency arrives at the wallet. They charged me {$56.00} to send {$210.00}. That was taken out of the {$210.00}. I would not have used the device if I had known that. They also have a posted promotion and I also received this promotion through email as well saying if I sent a certain amount I would receive {$15.00} in free bitcoin. I redeemed the promotion which clearly says the bitcoin would be in my wallet within 48 hours. 8 days have gone by and they ignore me half the time and tell me it will be 10 business days before the bitcoin arrives. That isnt what the promotion says and I brought this up to them. I do not believe they have intention of actually fulfilling this promotion. If its something they are already offering than it should be an easy resolution. So far its had to be escalated to a manager and reviewed for this or that. Clearly they are not sending {$15.00} of free bitcoin anywhere to anyone. Its a deceptive promotion and false advertising in order to get customers to use their ATMs. They still have not been able to resolve this issue. Nor have I received the promotion.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it. 

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than four business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have throughly reviewed my credit report and I would like to inform of the inaccuracies it contains. I am requesting, under the provisions of the fair credit reporting act, 15 usc section 1681i, that you investigate these accounts. 

accounts for dispute : XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reason/nature : not mine, never had an account with this company I understand that failure to investigate these accounts within a period of 30 days will result in ''non verifiction '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the fair credit reporting act - specifically 15 usc sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and update credit reports at no charge.
Product: Debt collection

I have sent a debt validation letter to wells Fargo regarding a debt they are alleging that I owe. They have failed to validate the debt and only sent a letter that says proof of application an electronic print out. Nothing with my hand written signature or a billing statement with proof that I owe this alleged debt. I also advised them that the proof that they provided does not state anything about the alleged debt reporting on my credit. And to please cease all reporting and collection efforts. An credit application is insufficient and does not validate the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about these unverified and unauthorized inquiries. yet it still remains on my file. 
Hard Inquiries 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit bureaus for the correction of the Disputed erroneous accounts being reported on my Credit File, and yet the Credit Bureaus have done nothing! I sent a letter to the XXXX Credit Bureaus last XX/XX/2022, to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTs, and I'm including it again. Please have the following items fixed at the earliest possible time : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth for over a year. This has been very stressful. I have not ever had Cellphones up until I signed up recently. They said I opened the account and closed it the same day. This is not true. I currently have service with XXXX XXXX XXXX, and on my credit it's reported that I owe {$310.00}. This is erroneous. 
The consumer doesn't have any outlet if the company makes a mistake or inside fraud. We're left with the head ache
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Had a XXXX account that had paypal attached to it and money was being stolen from my XXXX account.
Product: Checking or savings account

In response to a splash invitation when I was online with citi.com, on XX/XX/22, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$90000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/22 ) with very little information about why this action was taken and when I would get my money back. When I tried calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. I was rudely treated by the Citi phone representatives, with one of them even hanging up on me during an otherwise civil exchange. 

Because there was an opening bonus incentive ( {$450.00}, if memory serves me ), I immediately started making XXXX deposits after opening my account, and had over {$100000.00} on deposit within just over a week of my opening the account. I then authorized some XXXX withdrawals, one of {$10000.00} on XXXX XXXX, and another of {$10000.00} a few days later. Because of that second ACH withdrawal, a fraud alert was triggered, and I was telephoned by Citi to confirm that the XXXX transactions were legitimate, which I did confirm with the fraud representative. Nevertheless, my account was frozen and eventually closed ; when I attempted online access, I just encountered a nondescript trouble signing on message that led me to contact Citi agents for help, but initially, the agents didn't even understand the status of my account and what I could do to fix it. 

I don't understand why my account was closed even after I confirmed the legitimacy of my ACH transactions. I don't understand why I was not immediately sent at least an email explaining that the fraud investigation was continuing, and what steps I should take to resolve the fraud suspicion. I don't understand why I was not personally contacted by a Citi representative for instructions on how I wanted my money refunded. I don't understand why I was rudely treated when I attempted several times to talk with a Citi agent to get resolution. I don't understand why the letter sent me had so little information, including incorrect number instructions for reaching the appropriate department. I don't understand why, as of today ( XX/XX/22 ), I still have not received my refund check, nor has Citi given me a clear idea of when that will happen. 

I have phoned Citibank five times about this, repeatedly asking for elevation of my issue. Today, I finally reached a supervisor ( XXXX, # XXXX ), but he just told me that he has no way to contact the Citi department that has jurisdiction on this matter, and he refused my request to elevate the matter to a competent authority.
Product: Debt collection

The letter that was written to the third party was on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for Aspire Credit Card I am writing in response to your recent letter dated [ date of their response ], regarding the verification of the account referenced to the Aspire Credit Card XXXX I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the credit card in question or provide concrete evidence linking me to this account. I remain unaware of any association with Aspire Credit Card, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

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

Good morning, I contacted TransUnion LLC to dispute the accuracy of the information contained in my credit report provided by TransUnion, pursuant to my rights under the FCRA, specifically 15 USC 1681. I discovered that certain information has been reported without my written consent to furnish or provide the information in question. The letters I have enclosed are my second request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app block inc. do to equate customer service and unfair practices, which violate the consumer financial protection act CFPA specifically cash app failed to take the timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they do not comply with error resolution requirements under the electric fraud act EFTAN regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for the violations
Product: Credit reporting or other personal consumer reports

My complaint is against XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX utah and against XXXX XXXX XXXX  XXXX  in XXXX XXXX XXXX utah. They both did hard inqirurys against my credit report with out permission. XXXX XXXX XXXX  conducted XXXX on XX/XX/XXXX XX/XX/XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX did XXXX inquirys on my credit report. Starting on XX/XX/year> through XX/XX/year>. I did not give them written permission to do these. I never went to these places and only spoke to a sales person over the phone agreeing to XXXX inqirury each auto group.
Product: Debt collection

I was a cosigner for a tenant at XXXX XXXX XXXX in XXXX of XXXX. When the tenant moved out there was a balance owed beyond the security deposit but I was never notified of this debt. I was only informed of this when I was declined credit and discovered that XXXX XXXX XXXX had sent the account to a National Credit Systems. As soon as I discovered that there was a problem I immediately paid the debt in full. <P/>When I asked if XXXX XXXX XXXX had my information they informed me that they did. Because they took no steps to inform me of the debt nor give me any opportunity to resolve the charges before they sent the account to collections, I dont believe that this is fair. <P/>When I asked XXXX XXXX XXXX for help they responded, " Any disputes or discrepancies about this matter do need to be in the form of written communication. While I do understand that it is paid, unfortunately there is nothing I can do personally to get it removed from your credit. You can contact the collection agency and they will assist you or contact us and let us know if there are any steps we can take to help get this removed from your credit. However, from my experience, that is not a normal occurrence. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX  XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, XXXX XXXX
Product: Student loan

My income recertification deadline is in XXXX. I submitted my recertification through FSA in XX/XX/year>2024. It has been over 90 days and I have not heard back. Now my payments have gone to {$2400.00} from {$450.00} which I can not afford. I've tried to call Mohela and waited on hold for XXXX hours about XXXX separate times and never get an agent.
Product: Prepaid card

as of XXXX of 2024 my card was re order a lady named XXXX XXXX has been stealing all my money and i haven't received any benefits since XXXX of 2024 because of my usability to move around this lady has taken over my identity i went to ssa building and a new payee and I'm being treated as the crime as well as XXXX XXXX XXXX
Product: Debt collection

Wanted to negotiate the balance to dispute the account. Rude employees who did not want to connect me to manager to resolve this debt. Stated they were not at fault for never sending a letter and the fact I had not received one but they had verified my address. Threatened to seek legal action and transferred me to voicemail initially when I stated I did not have the funds available to pay. Notified me I only had 24 hours to make the payment or the settlement option would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by XXXX mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that XXXX had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.