23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Letter submitted to Barclays : To : Barclays Card RE : Case ID : XXXX Unauthorized charge of {$110.00} from XXXX XXXX charged on XXXX to my card ending in XXXX. 

Dear Sir or Madam : I promptly submitted a dispute on Barclays website to this unauthorized charge. I received a letter dated XXXX XX/XX/2021 from Barclays telling me they could not pursue the dispute because they had not received from me documentsallowing us to pursue credit from the merchant.

I called Barclays customer service number given in the same letter to inquire as to what documents they needed. I did not receive answer that made any sense whatsoever. To be frank, it seems that this request for documents is simply a way for Barclays to shirk its responsibilities under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act, which protect consumers from unauthorized transactions. Whats more, the documents requested are seeking a paper trail of something that does not exist, since there was no authorization for this charge. I have spent an unimaginable amount of time on the phone trying to get this resolved, with no success, and the complete unavailability of billing specialist or supervisor at Barclays.

Although I have tried to contact the Merchant, they are unresponsive and require that I set up a new account with them in order to have any contact with them. There is no phone number for the merchant at allno mailing addressand no way to contact customer service. Spend some time on the XXXX website and you will see what I mean. 
Please help me help Barclays to meet their obligations under Federal Consumer protection laws by covering this unauthorized charge without further action. 
Respectfully, XXXXX Cc : Consumer Financial Protection Bureau. XXXX XXXX  XXXX XXXX, Washington, DC XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Product: Money transfer, virtual currency, or money service

I would like to follow-up on my complaint I submitted to CFPB ( ID # XXXX ) on XX/XX/XXXX against Citibank for the international money transfer of {$100000.00} in US Dollar currency from the US to a US $ account to a XXXX  bank ( XXXX XXXX made on XX/XX/XXXX. 

I went to the XXXX on XX/XX/XXXX but found out that Citibank transferred the money in XXXX  currency. XXXX returned the money to Citibank ( reason : wrong currency ). I lost US {$4000.00} due to this erroneous transaction. 

I returned to the US on XX/XX/XXXX, but found out that CFPB closed my previous complaint. I would appreciate it very much if CFPB would re-open this complaint and Citibank to reimburse my account in the amount of {$4000.00}. 

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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Inquirv : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX XXXXnquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> @ XXXX XXXX I reached out to cash app because my account was immediately logged out. I had my debit card linked to my account and I had a cash app balance of {$170.00} it could a little less but I know for sure XXXX XXXXXXXX in my account. I went to login and receive the code it requested and tried to sign in to my already made and verfied account it then asks me to create a brand new account with signing up all over again They attempted to help me recover my account- ( Why try to help if my account was closed that was completely a waste of time ) So I took the steps given and tried It didn't work. So they asked in order to regain access to provide my full legal name my current cash tag and previous cash tag phone/email linked to my account and which account I would like to use. I provided them the information. then their Advocate told me they will attempt to grant access to my account if successful I will be able to access in the process of doing this all and re verify my identity again. The advocate then says to me that they legally required to maintain transaction records and account information and that all information is encrypted and stored on their servers and says that my account was closed at XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX but my new account that I created under my same email used for my previous account that I can continue using to send and receive payments. I explained I had money on my account they made verify my identity AGAIN! I did I followed the steps. at this point the verification is not even working it took my id front and back and my selfie but wouldn't allow me to continue the next steps. Then the Advocate goes to say I can confirm you that there isn't any balance on my account that they closed!!! I asked where is my money. I gave them all the last transactions I used and what they were used for then I asked if they can confirm if any other devices were logged into my account they asked to verify my identity again and again I am now to the point angry!!!! They won't tell me where my money is now which is NOW been stolen from whom - I have no idea they won't provide any other information but keep saying read terms and conditions!!!! I am not understanding why Cash app is not providing me information if I did what they asked of also they said to me that my request to access my funds WASN'T APPROVED!!!!! after the advocate just said there was no funds on my account now it wasn't approved. I have been crying out for help! they won't help me or release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for a thorough investigation, no resolution or corrective action has been taken. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One accepted a debt consolidation agreement for three separate credit card accounts with XXXX XXXX  XXXX on XX/XX/XXXX. Subsequently Capital One has submitted a total of 8 late payments to credit reporting agencies : Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One representatives claim payments were insufficient and or received 30-60 days late in direct contrast to our agreement. Monthly statements from XXXX document the agreed minimum monthly payments. 

Capital One account ending in XXXX was at one time reported as 90 days late. I was able to have that removed from my credit report, However, eight payments reported 30 60 late remain. 

Im reaching out to CFPB to help resolve this issue.
Product: Debt collection

I owe XXXX XXXX dollars for a snapshot I have not returned. But I am going to. Another thing they charged me XXXX dollars for nothing. I discontinued insurance company and they charged me for it! I will never go to progressive again because they falsified collecting information and charged me tons more than I owe them. Please help.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/scrub>XXXX XXXX XXXX XXXX SECURITY FREEZE
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, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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 reporting, credit repair services, or other personal consumer reports

This is my 5th 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and XXXXXXXX XXXX XXXXt account number # XXXX, and XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of my credit report, I am requesting the immediate removal of the following hard inquiries : XXXXXXXX XXXXL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> I am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companiesI am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companies on these dates. on these dates. 

I dispute the accuracy of the information listed above and request that it be removed from my credit report immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report, which I request be sent to me within five days of receiving this letter. 
I look forward to your prompt attention to this matter. Please investigate my dispute thoroughly and provide me with written confirmation of the results of your investigation. 

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

BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.
Product: Money transfer, virtual currency, or money service

Without any type of notice, PayPal ( and XXXX since they are connected ) has permanently limited my account. I have tried call several times and they said that a manual review was done, and they made that decision. They did not give me any more information into why it was permanently limited/banned. Now, I can not retrieve my existing funds and they would not send me to a supervisor to give me more information. They are holding my account and not allowing me to withdraw my funds for 180 days. Like I said... there was NO warning or any more information that was provided to why they took that action. I'm frustrated and just want this ban to be lifted.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, resulting in the fraudulent use of my personal information and unauthorized charges on my credit cards. The impacts of the data breach that compromised my information and the repeated unauthorized transactions that occurred before I discovered and acted on the issue have caused turmoil. I began noticing unusual activity in my financial accounts. At first I dismissed a minor transaction as a potential error. However over time the unauthorized purchases escalated and I realized that this was not an isolated incident. Upon reviewing my credit card statements and online transactions in detail, I discovered SEVERAL charges that I did not authorize. The lenders and credit bureaus sent the results of my " closed dispute '' stating that the balance owed to the company is correct. Again, my accounts were compromised. In turn I am filing this complaint because the information on my credit report are inaccurate which negatively impacts my score AND my " debt '' was sold to a third party debt collector without my permission. Today, I started a dispute with the FTC and I trust that they will assist in safeguarding my rights and preventing further harm to myself and others.
Product: Credit reporting or other personal consumer reports

Hi, I have NOT authorized no inquiries from these following Companies : Nobody should be tampering with my information! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like these inquiries removed from my report immediately it is hurting my score. Please assist me in doing so. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

CHAPMAN KEPT CALLING AND COLLECTING FAMILTY MEMEBERS, WENT ON MY CREDIT W/O VALIDATION IN VIOLATION OF FCRA, FDCPA, TCPA.
Product: Credit reporting or other personal consumer reports

I got a alert from from my credit monitoring service my score had droped XXXX points I called TransUnion and he said the only adverse nfo He could see was a late payment 2 Years ago I asked why would a late payment 2 years ago drop my score XXXX points XX/XX/year>. This does not make since, I believe the credit bureaus are trying anything to keep Unlawful Negative info on consumer credit reports by all means. I have included this report in the documents uploads.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing all disputes for the information on my credit report with experian to delete an clear all invalid data that is hurting my credit report. please review an remove the info listed to help clear all data that is inaccurate asap.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 I was issued a refund by the Western Union and provided an MTCN # to collect my {$110.00}. I was told to cash this money at any of location served by the Western Union agents like XXXX, XXXX XXXX, XXXX XXXX, XXXX and other locations based on my zip code in XXXX XXXX, Maryland. Since XX/XX/XXXX, I have been to at least 5 different Western Union agents at various time and days, and all of these agents are not willing to refund or cash out my MTCN. These all locations are willing to send/collect the money, but are not cashing the recipients. I have contacted Western Union over the telephone, over their chat helpline, at least three times. Each time they are giving me a different location and would ask me to try that location. This is been going on for almost a month now. 
While Western Union agents are willing to collect cash and send money, they are not cashing out money to the recipients for last 1 month. I have also ask the Western Union agent to find the Western Union location by phone where I can go to pick up my funds, but they are keep telling me that " keep trying different locations and agents '' for last 1 month. 

It appears this is a coordinated fraud that while Western Union is collecting money from the people, but not cashing out the recipients of the funds. I have been to below 5 locations in XXXX XXXX, Maryland but no one is willing to cash out my funds. 

XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX #   XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 my information was fraudulently used to apply for credit in my name. I have repeatedly notified Equifax about the identity theft by mailing/uploading a copy of an FTC Identity Theft Report and XXXX XXXXXXXX Police Report along with a copy of my I.D and social security card. After numerous phone calla and coresspondence via USPS and online, Equifax has failed to delete/remove the fraudulent inquiry from my personal credit report.