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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX  XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXX XXXX on XX/XX/2021 ; XXXXXXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX XXXX  ; 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several in regards to a inaccurate Bankruptcy reporting in my public records and each time to send their investigation results they state it was verified as accurate, and the company was XXXX XXXX so I contacted XXXX XXXX in regards to the dispute and they started an investigation with TransUnion and on XXXX XXXX TransUnion requested information from XXXX XXXX and on XXXX the XXXX they gave TransUnion an explanation and advised me that this would be removed from my report, but TransUnion did not remove record they still have it reporting inaccurately I will be attaching the notice from XXXX XXXX that they provided to TransUnion, I will also attach documentation from XXXX XXXX XXXX that states this was a dismissed bankruptcy but TransUnion refuses to update the record. For months they have been taking me through the ringer in XXXX CFPB sent documentation over and they updated my file # XXXX page for of their investigation results to Dismissed/closed then a couple days later they receive something from XXXX XXXX  in XXXX because they removed it from my record but instead TransUnion changed it from dismissed to XXXX causing harm to my record.
Product: Credit card or prepaid card

Chase offers ability to transfer Ultimate Reward points to various airline mileage programs, one of which is XXXX XXXX. On the afternoon of XX/XX/XXXX, I requested a transfer of XXXX points to such an account. I received a confirmation email indicating that transfer will be completed within two business days ( end of XX/XX/XXXX ). 

While the points were deducted from my account, the transfer was not completed by this time. First contacting Chase by phone led to a request to wait for seven days. 

Having waited the seven days, the transfer was still not completed. I called Chase again and the agent was able to create a ticket to escalate this since they were not empowered to help. 

On the evening of XX/XX/XXXX ( over ten calendar days later, or over eight business days later ), XXXX account showed the transfer as complete. 

Finally, I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) responding to my escalation request. The letter ( signed by XXXX XXXX ) does not address my inquiry about reasonable reliance for timely transfers and just cites that according to program rules transfers are not reversible. 

Having checked the program terms, Chase is the party that failed to honor its contractual obligations ( terms promise transfers within 7 days ). Additionally, there was inaccurate messaging about transfer times promised within the confirmation email creating an undue reliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is trying to collect an erroneous debt. I have been trying to get in contact with them with no success. They had never sent me any letters collections notices or phone calls about this debt. Just recently they sent me a letter stating that I owed XXXX. This is erroneous. I would like something signed as proof that this debt is mine. I do not owe this debt.
Product: Credit card or prepaid card

In XXXX of 2020 Synchrony Bank closed my credit card account. One payment was returned by my bank due to an error on my part. I had left the automatic payment function set to pay off my balance in full. Due to reduced work hours because of the COVID pandemic, my cash flow was reduced. However, I still paid more the minimum due within days of realizing my mistake and I had not missed a payment before. I tried explaining this in a letter to the bank, but I have not heard back from them. I believe I am credit worthy and my account should be re-opened.
Product: Money transfer, virtual currency, or money service

Someone got into my account and stole my money i was scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Credit Bureau Management XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : This letter is written to request the removal of your companys report of late payment of student loans to the credit reporting companies. 

Background : In the year XXXX Navient reported 24 late payments : 8 in XX/XX/XXXX, 60 days ; 8 in XX/XX/XXXX, 60 days and 8 in XX/XX/XXXX, 90 days. My single monthly payment was separated into the eight individual loan payments resulting in 8 late reports/per single monthly payment on my credit history. In the year XXXX Navient reported another 24 late payments : 8 in XX/XX/XXXX for 60 days, 8 in XX/XX/XXXX for 60 days and 8 in XXXX of XXXX for 90 days. 

I requested forbearance due to loss of employment on XX/XX/XXXX from the servicers of my federal ( XXXX XXXX ) and private student loans ( Navient ). The servicer of my federal loans processed the forbearance immediately, no fees attached however when I contacted Navient, I was told that I needed to pay a forbearance application fee up front for the application to be initiated. 

I disputed the application fee requirement and during this time, I fell behind in my payments. Eventually, I was able to negotiate a reduced payment agreement. Throughout this turbulent time, Navient generated numerous late payment reports to the credit bureaus. As a borrower, it is my belief that I made multiple good faith attempts to honor my payment obligations with my loan servicer, Navient. I also tried to use my forbearance/deferment benefit in a time of severe financial hardship and Navient made it difficult for me to use this benefit. The late payment reports generated by Navient have adversely affected my credit score and I have endured increased financial hardship over the last four years. 

I am requesting that these late payment reports be removed from my credit history. 

I am enclosing my XXXX  and XXXX credit bureaus reports for your review.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  EXPERIAN XXXX  Never Sent the
periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Checking or savings account

I CONTACTEDC EARLY WARNING FOR MY FILE AND THERES XXXXXXXX XXXX ACCOUNTS AS WELL XXXX XXXX XXXXXXXX ACCOUNTS ON MY FILE STATING I OWE THEM OR I MISHANDLE ACCOUNTS. WHICH IS NOT TRUE THE FACT IS THOSE ARE FRADULENT ACCOUNTS THAT DOESN'T HAVE MY SOCAIL AND WRONG ADDRESSES I NEVER LIVED AT NOR HAS THEY BEEN ON MY CFEDIT FILE SO I NEED THIS FIXED ASAP
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear C/O XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Credit reporting or other personal consumer reports

I woke up today to find incorrect accounts on my credit report, and Im absolutely baffled as to how they appeared. I make it a habit to check my report regularly, but this time, it had errors I wasnt prepared for. I refreshed my browser several times, hoping it was a glitch, but the mistakes didnt go away. Im pleading for someone to carefully review the documents Ive provided so I can finally have peace of mind about this.
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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX- Account Number # XXXX  XXXX XXXX : Account info- 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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

I have reached out to XXXX XXXX ( XXXX ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, XXXX XXXX continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX  of every month. The archived statements on this account reflect ACH monies processed and exchanged between XXXX  and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that XXXX XXXX  never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX County Judge in response to a XXXX XXXX  Charge. This No Contact order was in place for my safety and I requested XXXX  to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to XXXX XXXX customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the victim of XXXX  XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX and XXXX. I am asking for XXXX XXXX to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to XXXX, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX was stolen from my PayPal account and sent to someone in XXXX named XXXX XXXX. I do not know this person and PayPal was contacted immediately that day the fraudulent transaction occurred. In speaking with PayPal, they mentioned multiple breaches were made to my account and various transactions failed before the money was stolen. They also said that when the money was stolen they ultimately approved the transaction, the PayPal team said they would investigate further and provide a resolution on XX/XX/XXXX. XXXX days later they did not inform me of the fraud case being closed, which I saw on the PayPal website. Over the next few weeks I would go on to call PayPal customer support multiples times who would each time assure me the issue was being reviewed only for the case to be closed a day later. In my last two calls the individuals on the recorded line confirmed that I would be reimbursed and that fraud was detected, they have still not reimbursed me weeks later. My interactions with PayPal has been a horrible customer experience. Not only have they continually lied to me about the review process and reimbursing me my stolen funds, they assisted in the theft in the first place as they cleared the transaction.
Product: Debt collection

On XXXX I checked my credit report and found BYL COLLECTION SERVICE XXXX XXXX XXXX, XXXX XXXX, PA XXXX reported a bad debt for the amount of {$190.00} that I never herd off. This debt has never been presented to me and I don't understand why it is on my report.
Product: Credit reporting or other personal consumer reports

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the XXXX pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX  ( XXXX ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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, credit repair services, or other personal consumer reports

I have tried several times to contact TRANSUNION to temporarily lift a security freeze on my credit report. Every time I try, their website is not working, and when I call, I am placed on hold for over an hour. The other reporting bureaus make this a painless process, but TRANSUNION makes this a very difficult process. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed dispute letters with transunion and XXXX  back in XX/XX/2020 and yet to received anything on my disputes. I understand covid is going on but that shouldnt stop my results from coming to me.
Product: Money transfer, virtual currency, or money service

I'm filling a compliant against CASH APP block Inc due to inadequate customer service and unfair practices which violated the Consumer Financial Protection Act specifically cash app failed to take timely and effective measures to prevent address fruad on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulations E These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I am a victim of identity theft. 
I was notified through an alert that on XX/XX/2020 a thief who stole my identity applied using my name and social security number, for a Capital One credit card. I notified Capital One of this fraudulent application. Capital One reviewed the application and determined that indeed the application was fraudulent and thereby cancelled the application. 
On XX/XX/2020 I formally requested through the Federal Trade Commission, a request for a copy of that application and request for other related records/documents from Capital One. To this date Capital One has refused to comply with that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that law I researched, I demand these accounts be deleted immediately or I file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person, I am begging for help at this point. This is my second time writing this message. I am who I say I am.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.