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

The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX  ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

My wife and I got a title loan from Wilshire Consumer Credit about 4 years ago and last month I gave the lender {$150.00} for the month of XXXX, I was short {$48.00} of {$190.00} a month I pay, it was a bad month but I still paid partial payment. On the XXXX day Wilshire Consumer Credit repo my car without any notification to prevent from this happening. The contract was signed outside a XXXX XXXX in XXXX by my wife from a representative of Wilshire Consumer Credit that was in a hurry. My wife signed the contract without reading thier horrific terms. This XXXX XXXX will repo your car fast even if you are short XXXX cent on your payment. Times are tough now I have no car to get to work and my commute is around 50 miles each way. It will be a good thing for the state to look into these awful businesses that target the hard working poor citizens that are trying to survive in expensive California.
Product: Credit card or prepaid card

Around XX/XX/XXXX I filed a dispute for a charge because the online seller didn't ship me the products listed on their website. The charge is for {$240.00}. 

On XX/XX/XXXX CapitalOne informed me that they couldn't assist me with the dispute because the seller sent them " Notification that goods were as described and received in good condition ''. The seller sent them proof that the products were shipped, sent them pictures of what they sent but they didn't send in proof that what was sent to me was what is listed on their website. The issue was never whether I received the products. The issue is the products look nothing like what is on the sellers site. 

On XX/XX/XXXX they sent me a letter that contains the information below : .... '' Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoice or purchase agreement / contract, and information and / or evidence to support how the merchandise ordered differs from what was received. A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. A statement that includes the number of times the merchant tried to correct the problem, and a description of how you tried to resolve the dispute with the merchant. If you returned the installed parts, please provide the date and proof of return or the date they were made available for pick-up. If the merchant gave you a refund XXXX, please provide that as well '' I sent in photos of what I received, emails between the XXXX & I where they said they'd send me labels to return but never did, photos of the products that was listed on the seller 's site and the seller 's return policy. 

on XX/XX/XXXX & XX/XX/XXXX CapitalOne told me that they couldn't assist me because I didn't get a XXXX opinion from another seller. This is a strange request. I'm supposed to ask a company I've never purchased anything from to write a letter stating what they would've done different. What difference does it make how another seller would've handled it? Especially when I've provided clear documentation to prove I didn't get what I was supposed to. 
On XXXX I requested that my dispute be looked over again because I sent in actual proof and they came back and told me they still couldn't assist me because I didn't have a XXXX opinion. How does a XXXX opinion out weigh photos & emails? I'd like for them to resolve this issue with a positive outcome. I don't have money to throw away.
Product: Credit reporting or other personal consumer reports

ATTN : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Re : XXXX XXXX XXXX. Account # XXXXNotice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Product: Student loan

Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.
Product: Credit reporting or other personal consumer reports

Not sure on the dates but my information was breach by the credit bureau Equifax.
Product: Credit card

On today XX/XX/year>XXXX XXXX XXXX sent me a message that XXXX has blocked a credit card application at Barclays Bank Delaware. Please assist me in catching this identity thief person online. He has stolen my ss # and d.o.b. and he knows my home address and email address and is applying for credit cards under my name. Need the police and CFPB to catch this criminal asap.
Product: Student loan

Ever since Navient took over for XXXX XXXX I have had issues. Navient has talked me into forbearance and defferment for years. Now my loan has majorly increased. I can not pay my loans due to making hardly any money. They give me no options but to keep putting it off. I recently went into a state with no forbearance time left and they gave me no other options but to consolidate. I see University XXXX XXXX has been sued for fraudelent claims to get loans and now Navient too? I would like to know what my options are at this point because I am drowning with no choice. Both being sued makes me feel as if I was totally in the middle of fraud. University XXXX would not allow me to finish my last XXXX classes to even finish my degree.
Product: Checking or savings account

So I recently had fraudulent charges on my account which was minor at first and Bank of America advised me to get a new card but could keep the same bank account. A few weeks later I noticed more fraudulent charges totaling XXXX gone within 2 days. I filed a claim immediately and my claim was denied and the only information I got was that these were authorized transactions. Someone stole my information and charged thousands of dollars at a time and not once did I receive a notification asking if I attempted this purchase. Ive tried contacting the merchant and nothing no response so I left it up to Bank of America to recover my funds and they denied my claim. Since then I try to use my new card and I get a notification asking if I attempted this purchase but where was this when someone took XXXX XXXX dollars from me?!!!!! I need help recovering these funds but they denied my claim with a basic explanation. Seems like the didnt even research and now I dont know what to do.
Product: Debt collection

i recently obtain a copy of credit report and noticed accounts i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this account being reported on my Equifax report multiple times over the last XXXX days however the account remains on my report. Equifax failed inform me of who or verified this account as accurate. The account is associate with fraud and I even attempted to dispute this account directly with the company XXXX however the dispute was returned to me undeliverable by XXXX. This account needs to be deleted immediately as it is inaccurate, damaging not verifiable. Please respond to my dispute and advise me and how this account was verifiers by equifax.
Product: Mortgage

We are reaching out to you for your help in protecting us ( consumers ) against wrongful accusations from bank ( mortgage loan ) establishments. Attached are documents and letters that will help support our case of wrongful and fraudulent activity committed against us. We originally obtained a mortgage loan from Countrywide Home Loans with a 1st and 2nd loan in 2006. Later on we found out this mortgage was a fraudulent loan to begin with. They used inaccurate income, asset and liability. They also incorrectly reported our principal balance over $ 40XXXXXXXX than the original loan.
Product: Debt collection

I have paid almost {$1000.00} and they keep charging me for late payments. That is why the debt was never going below so I stopped paying for it because thats how credit card works. Life is hard Im just trying to survive. Im living in this planet against my will & I didnt have much choice but to get that credit card to get things done.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting. 

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 or other personal consumer reports

To whom it may concern : I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. As I stated, it was not intentional to make non-negotiable deposits, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX You are in Direct Violalion of The Fair Credit Reporting Act ( Capitol One ) has violated several of my rights. 16 U.S.C 1681 section 602 A. XXXX states that I have the right to privacy, 16 U.S.0 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my willing instructions.15 U, S.C 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. Remove these late payments and update this account immediately as you are in direct violation of several law undor The Fair Credit Reporting Act.
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 inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer 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 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/BANKRUPTCY AND INACCURATE INFORMATION from my credit report immediately
Product: Debt collection

I have a debt collection appearing on my credit for an account that I did not authorize. The account appears to have originated from a lease agreement through an apartment. I have never resided at this residence. The information does not match anywhere I have ever lived nor conducted business.
Product: Debt collection

On XX/XX/2020 my families home was approached at XXXX XXXX  PST by a man of XXXX decent. First he approached my teenage  daughter in our driveway asking her questions about me which is to my understanding unlawful. I have no clue who he was nor did he identify himself of his association other than he has some papers for me to sign. I told him I do not know who he is and to leave my home immediately as I am not opening a door for someone who can not state their association or business. I asked him over three times to leave the property and when he didn't I quickly phoned the local police department and showed them the video of the man who approached my home as well as a photo of his vehicle. 

XX/XX/2020 another man of XXXX decent approached our family home at XXXX XXXX PST and then phoned me as well. Please keep in mind that I am asleep and should not be getting phone calls at XXXX XXXX. I further advised very nicely and clearly I do not know him or is partner and to not approach my families home. If he is working for a provider they can mail me a certified letter if they have business to attend to with me but coming to my family home harassing my family my family on private property is unacceptable and I will phone the authorities going forward if they continue to harass my family. 

Again, no credentials presented when I ask who he is with, no documentation mailed from this supposed collector and yet my family home is being harassed with multiple gentleman I have no clue who they are and is rather threating to myself and my family. I have asked nicely if there is correspondence with this creditor for it to be mailed but I will not be opening my home to harassing & threating strangers.
Product: Debt collection

Portfolio Recovery Associates continues to call my spouse about my debt from 5 years ago. He has repeatedly told them to stop calling and they continue. They call about 10 times a day from 10 different numbers. I also never received any written documentation about this debt to any address Ive ever lived at.
Product: Checking or savings account

Hello XXXX  Flight Transaction for {$1300.00} On XX/XX/2024 I bought a flight ticket with XXXX, ( also known as XXXX XXXX ) the ticket amount was {$1300.00}. I used my debit card ending XXXX and my Chase account was debited with {$1300.00} ( account screenshot attached ) In my correspondence after payment with XXXX my flight reservation was confirmed ( correspondence attached ) On XX/XX/2024 XXXX canceled my reservation claiming my " payment didn't go through '' even though my account was funded and debited immediately on XX/XX/2024 ( correspondence attached ) I mentioned to XXXX representative XXXX that my account was debited for the flight ticket {$1300.00} and sent a screenshot to XXXX his manager after which they claimed the amount will be refunded after XXXX - XXXX business days ( correspondence attached ) On XX/XX/2024 I made a transfer of {$73.00} into my chase account to make up the money needed to enable me buy another flight ticket for my scheduled trip, and bought directly from XXXX XXXX - flight ticket {$1000.00} After my XXXX XXXX flight ticket purchase, the balance in my account was $ XXXX ( a dollar and some cents ) I did no further transactions on the account awaiting the refund from XXXX  for {$1300.00} On XX/XX/2024 my account balance became {$1100.00} - I promptly reached out to Chase Bank teams on phone and at XXXX physical location to explain the error however, it was a sad experience and Chase Bank representatives were not helpful at resolving the loss of my funds On XX/XX/2024 my account was debited for {$1300.00} On XX/XX/2024 a refund of $ XXXX was credited into my account Missing/stolen fund is $ XXXX Request ; kindly assist to enable Chase Bank and/or XXXX refund my stolen money Hoping for a prompt resolution of this challenge Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I write to address the unresolved issue regarding my filed complaint regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Product: Bank account or service

Hi, I opened Citi Gold checking account thru internet. At that time, XXXX bonus points of XXXX was offered with certain requirement. At the time of opening the account XXXX XXXX, I confirmed with an officer of Citi. I fulfilled the requirement in early XXXX XXXX and confirmed with an officer of Citi. Since I had not received the promised bonus points, I have contacted with Citi officer in XXXX twice saying the points would be posted by XXXX. Today, XXXX XXXX, XXXX, I have n't received. I have contacted the Citi and XXXX told me I 'm not eligible since I do n't have any letter saying I 'm eligible to receive the bonus points. My previous confirmation ( more than 3 times ) is noting. It was internet offer to general public. How can I show the letter. Why should I show even I have confirmation from the citi officers ( 3 times with evidence actually 4 times ). I believe Citi must stop deceiving general public with fake promotion. Please make Citi stop deceiving general public. 

Attached plz find the confirmation with Citi Officers. 
Thanks