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

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1500.00} MXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00} XXXXA XXXX Balance : {$0.00} XXXX  XX/XX/2023
Product: Money transfer, virtual currency, or money service

XXXX XXXX  loan taken out in my name and Affirm sent me email correspondence with loan breakdown for small amount ( XXXX dollar purchase ). I immediately called Affirm and they said they would investigate. I did not hear back from them and called again after a week. This time, they had no record of me. Their representative on the call did not seem legitimate by the way they were speaking. A few days later, I received another email and it said they concluded the investigation, and I am responsible for this loan. On the first call, they identified a phone number linked to the account which was not mine. The person who opened the account in my name used my email, husbands email and our phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Bank of America and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that Bank of America is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NEW XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$26000.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

2 times this year capitol one has allowed someone else to apply for a credit card in my name. The first time took hours to resolve. I have since used XXXX services to protect my credit. I received an alert on XX/XX/XXXX, capitol one called me to verify XX/XX/XXXX. I called back to get it addressed and they gave me the run around. They kept telling me it was a system error and they could not check the account and keep saying there are things I need to do on my end to get the issue resolved for a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} ; XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Sure! Here 's a draft complaint that you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding your issue with Cash App and the possible violation of Regulation E : Subject : Formal Complaint Regarding Violation of Regulation E by Cash App Date : [ Insert Date ] To : Consumer Financial Protection Bureau ( CFPB ) From : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Complaint Against : Cash App XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Holder Information : [ Your Full Name ] Cash App Account ID : [ Your Cash App ID or Email Associated with Account ] Nature of the Complaint : I am writing to file a formal complaint against Cash App regarding a pending transaction in the amount of {$75.00} that has not been resolved, despite the merchant releasing the hold on the funds. The transaction has remained pending for an extended period, and Cash App has failed to release the funds back to me. 

This delay and lack of action by Cash App is in direct violation of Regulation E under the Electronic Fund Transfer Act ( EFTA ), which governs electronic funds transfers and mandates that financial institutions must promptly resolve issues involving pending or disputed transactions. Cash App has not provided a valid explanation for the delay nor adhered to the regulatory timeframe for handling this type of transaction. 

The relevant details of the transaction are as follows : Transaction Amount : {$75.00} Merchant : XXXX XXXX Transaction Date : XX/XX/year> Transaction Status : Pending ( Merchant has confirmed release of hold ) Cash App Response : Inadequate ; no resolution provided. 
Despite multiple attempts to contact Cash Apps customer service, I have not received a satisfactory response regarding when the funds will be released back to me, or why the transaction remains pending. This prolonged delay is causing undue inconvenience, and I am concerned that Cash App 's actions ( or lack thereof ) are non-compliant with the consumer protection laws outlined in Regulation E.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file maintained by TransUnion . The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments in question are erroneous. My account has been on autopay, and all payments were made on time as agreed. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates the provisions of the FCRA ( 15 USC 1666 ( b ) ) as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of incorrect late payments may also violate the FDCPA, which protects consumers from misrepresentation. 
Truth in Lending Act ( TILA ) : The inaccurate information is also a violation of TILA, which mandates the accurate reporting of credit accounts.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure the maximum accuracy of information in credit reports. Failure to correct such errors can result in civil liabilities as outlined in sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution : I request that TransUnion conduct a detailed investigation into this matter and remove the inaccurate late payments from my credit report. Please update the entries to accurately reflect my XXXX XXXX on-time payment history. 
Attachments Copy of my government-issued ID. 
Copy of my Social Security card. 
Proof of current address ( e.g., utility bill or bank statement ). 
Copy of my full credit report highlighting the disputed account and inaccurate late payments. 
I look forward to receiving confirmation of the resolution within 30 days of this letter. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Experian, Dispute XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party owed : XXXX XXXX Amount : XXXX past due Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX owed Account Number : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am disputing this claim due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned items to be deleted off my credit report. My social is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the Accounts thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
I have attached my ID to this letter.
Product: Credit card

I bought over {$1000.00} from Rooms to Go in XXXX XXXX from the store near XXXX in XXXX, TX. I called last month in XXXX XXXX to make a payment as I did not receive an invoice for my purchase. It appears Syncrony Bank is the credit card company I received financing from when making the purchase. I called Syncrony Bank to get a copy of my statemen, pay my bill and set up auto pay. They found my account with my social security. I was able to make my first payment but they would not provide me with my account number or help me set up an auto pay so my bills would not be late. Per the representative my address was incorrect and she had changed it that day. My job requires I deploy for extensive periods of time and I would not be home to get the next bill and pay on time. I explained this to the representative and a supervisor advising I could pay more to give an advance to next months payment but they refused to help. I came home for a week today and do not see a statement from Rooms to Go or Synchrony Bank. Concerned and upset, I called Syncrony Bank again ( XXXX/XXXX/XXXX ). I spoke to XXXX ( XXXX ) and explained I had n't received a bill for a purchase on XXXX XXXX. He showed no empathy or concern. Once again I got the run around that my address was incorrect. Again I paid- now my late bill- and was not allowed to collect my account number or set up auto pay. I was transferred to XXXX who could care less about my concern and stated she only sees the address change today. Basically stating I had lied about calling in before and changing it the first time. It 's almost three months and I have yet to review my first bill. Please audit this company as I 'm sure I am not the only one going through this type of situation.
Product: Checking or savings account

Hello, I want to know why my account was closed on XX/XX/year>. Refusing to give justification tells me that they have no justification, and their Terms of Service are then meaningless. They have the right not to do business with me for any reason, but if they have no reason they should have to say so - not give me cryptic messages, ignore my support tickets, and leave me in limbo wondering if my normal behavior is somehow going to get me blocked from other platforms. As it is, I have no way of telling if I'm being discriminated against, if XXXX has a rogue employee with a grudge, if they have a bot that just closes accounts randomly, if their database got corrupted, or if something I thought was normal is suspicious. 

Why was my account closed? 

Thank you
Product: Credit reporting or other personal consumer reports

Please see attachments and follow demands listed in attachments. 

To date, XXXX has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$500.00}
Product: Checking or savings account

I was XXXX  for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX  pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX  pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX  dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX  with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,
Product: Credit card

Last year I noticed a {$16.00} charge on my card from XXXX XXXX  ''. I called US Bank and they found it has been charging monthly for several months. I asked that it be removed, they opened a Fraud complaint and sent me a new card. After 2 months I found the same charge on the new account. I complained again, they said they opened another fraud investigation and sent me another new card. Last month the charge was there again and I complained. I did not want another new card, as that doesn't seem to help. This month the charge appeared twice. When I called I was told that they would open a fraud investigation and would send another card. I asked that they credit my account, not to send a new card and to cancel the one I have. I don't understand how the same charge can appear on 3 different cards if they had truly stopped the charge and investigated fraud.
Product: Debt collection

This company on many occasions asked them to make a dispute with them and they did not agree, they always leave me with excuses and lies that there is no one who can attend to me that they only collect the debt, I feel insulted by them for the constant calls I made Without any solution they have never given me proof that deserves the debt that they say I owe them. 
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} Status date XX/XX/XXXX XXXX
Product: Debt collection

Last year in XX/XX/2017, someone called me from the XXXX XXXX County Office ( XXXX ) and informed me that I have a warrant for my arrest. She told me to call ( XXXX ). I spoke to a woman who called herself Investigator XXXX from XXXX XXXX XXXX. She told me this was the District Attorneys Office in XXXX and it was regarding their client XXXX XXXX XXXX. In order for them to stop proceedings to have me served with court papers, I need to make payment arrangements with them that day. She had called on my cell phone while I was at work. Under duress, I gave XXXX XXXX  my credit card information. I asked for a receipt, which I was told, that she was to email me. That never happened ; I looked at my XXXX  statement and {$420.00} and the following month {$320.00} was withdrawal from XXXX XXXX ( aka NATIONAL MANAGEMENT RECOVERY CORP ). I have never heard of this company until they came on my statement. My oral conversation was with XXXX XXXX XXXX, and never XXXX XXXX. I had written a complaint before about this company. They replied and claimed my allegation was false. After reading some of the complaints from XXXX XXXX XXXX ( XXXX ) regarding National Management Recovery Corp, some of the complaints are similar to incident I had went through with them. I have never given my credit card information to XXXX XXXX, or National Management. I spoke to one person from XXXX XXXX XXXX   named Investigator XXXX that has a XXXX prefix. Since XXXX XXXX office is in XXXX XXXX Florida, and XXXX XXXX XXXX number was based in XXXX, how did I call XXXX XXXX ( National Management Recovery Corp ) from a XXXX  prefix when they are based in Florida? How did they get credit card information, and I have never spoken to anyone from their office? XXXX XXXX   claims they never utilize tactics I had mentioned, yet they have falsified, misrepresented themselves ( XXXX XXXX XXXX ) threaten me with a warrant ( Investigator XXXX  w/ XXXX XXXX XXXX ) unauthorized withdrawal from my debit card, and claim to be another company. I filed complaints with the XXXX in Florida ( Case # XXXX ) with the Attorney Generals office in Florida, and The Florida Office of Financial ( Case # XXXX ). I hope something can be done. They are scam artists and need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to XXXX and EWS, a consumer reporting agency. 

The following false information was sent to XXXX and EWS : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.

This information was disputed with XXXX and EWS on XX/XX/2017 ; however, XXXX XXXXXXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and Early Warning Consumer Serivces. 



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

Recently I did an investigation on my credit report and found several items on there to be innaccurate.

under 15 U.S code 1681e [ b ] accuracy of a report whenever a consumer reporting agency prepares a consumers report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681 i [ 5 ] treatment of inaccuracy or unverifiable information [ A ] in general after any reinvestigation under paragraph 1 of any information disputed by consumer, an item of the information found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall -- properly delete that item or information from the file of the consumer, or modify the item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of the information and that the information has be modified or deleted from the file of the consumer. please remove the following items from the credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX