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

I am a victim of identity theft, I am writing to request that you delete these unauthorized and unverified items immediately, within 4 days upon receipt of this correspondence. I have continuously request that the credit bureaus provide me an original contract with my signature stating that I have gave them permission to furnish a consumer report with my consent. The credit bureaus fail to do so, so I was forced to file a police report due to fraudulent activity by my FCRA rights being violated under 15 USC 1681 ( B ) when a consumer report was furnished without my consent. And if these items aren't deleted and blocked immediately, I will be forced to contact my attorney to pursue with federal charges. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block this fraudulent information per sections 605B, 615 ( F ) and 623 ( A ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the Following Fraudulent accounts be deleted and blocked from my credit file : XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit card

I had a cashapp account and someone stole my phone and got access to it which had my social linked to it and for some reason I'm unable to access into that account and I'm unable to make a new cashapp account not sure why I've asked cashapp support they said it was some issue with my social being used and I don't want anyone else being able to use my social and identity at all
Product: Credit card or prepaid card

On XX/XX/2019 I submitted an online request to XXXX XXXX XXXX to debit my XXXX for the full amount due ( {$6200.00} ) on my Fidelity Visa card. The request was processed as requested. Then, three days later, on XX/XX/2019 XXXX  XXXX   XXXX debited my XXXX again for {$4600.00}. 

On XX/XX/2019 I called XXXX XXXX  XXXX   Customer Service line @ XXXX to initiate a refund of the debit which was completely unjustified because of the pay-off three days earlier. The customer service rep indicated a refund would be processed ASAP. 

Eleven days letter, on XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX  datedXX/XX/XXXX,  acknowledging the error and indicating that a refund will be received within 10 days. 

As a consumer, I find it ironic that if I fail to pay the balance due I'll be charged a ridiculously high late fee plus 16 % interest. Conversely, XXXX is free to hold my money for nearly a month. Accordingly, I request they XXXX  XXXX XXXX be obligated to remit to me interest equal to what they would have charged me had I done the same to them and held their money beyond the agreed upon due date. 

Further, I request that XXXX XXXX XXXX   improve their internal controls to ensure customer XXXXs are not debited/drafted for more than what is owed on their accounts. Automated financial systems can easily determine the necessary pay off balance prior to drafting customer accounts. Their practice of ensuring customer payments are processed quickly and customer refunds are processed slowly is a perfect example of how companies such as XXXX   XXXX XXXX takes advantage of their customers.
Product: Debt collection

Credit Protection Association has placed a collections item on my credit report. Original Creditor is listed as XXXX XXXX, amount of {$140.00}. Date opened listed as XX/XX/2015. I do not have XXXX XXXX. This is affecting my credit rating negatively and I would like it removed from my credit report.
Product: Credit reporting

The company is Experian and of course it is impossible to find a phone number to speak with a person and complain. I recently worked with a home builder and applied through their lending company to be pre-qualified. All of a sudden I start getting a bunch of phone calls from XXXX XXXX XXXX, I finally asked them why they were calling me. They knew my full name, phone number, credit score, the fact I was in the home buying market, etc. When I asked how they knew they told me Experian gives them the information during the credit checking process so that they ( XXXX XXXX can call and offer a competitive offer. I find this activity highly unethical by Experian. A credit reporting agency of all people should NOT be sharing private information with a third party.
Product: Credit card

In XX/XX/XXXX, after much research on our best options for a new CC, my husband and I opened a Chase Freedom Unlimited credit card which was supposed to include a {$250.00} sign up bonus after spending {$500.00} in the first 3 months. We have spent well over {$500.00} and have never seen the expected {$250.00} bonus - not in the form of a statement credit, and not in the form of points added to our balance on the card. 

Our first purchase was made on XX/XX/XXXX, and now that we are past the 90 days mark since that initial transaction occurred, I reached out to Chase on their " secure message '' feature on the website to inquire when we should expect the funds. I was told that we were never to receive them, that the only sign up perk on this card was 1.5 % additional earnings on all spends up to $ XXXX in the first 12 months. 

I replied back and advised that this was meant to be IN ADDITION to the {$250.00} sign up bonus when we applied... when we signed up we were promised the same bonus that is currently being extended - screen shots attached for reference. 

I replied again advising this is incorrect and that the whole reason we chose the Chase Freedom card was because they were extending an offer for both {$250.00} AND the 1.5 % additional earnings .... They replied again today accusing me of trying to get a " richer offer '' and saying that the only offer extended to me is the 1.5 % additional earnings offer. 
I have looked into this online and found MULTIPLE members complaining of the same experience with Chase when signing up for a new card and then not receiving the bonus that was originally offered on the promotion at the time they applied for their credit card through Chase. I let Chase bank know in my most recent message response that I would be contacting the CFPB to help spread awareness so that future members do not find themselves in this same position.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Product: Credit card

In XXXX, XXXX, a " non-traditional '' payment was made to the credit card company involved, sufficient to almost pay the balance in full, and keep the account open. However, when these companies " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. These companies have stated that they do not/ can not /will not " accept this payment, but have cited no relevant federal or state law to support their contentions and actions. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the companies involved, as " dead '', corporate entities, do not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Portfolio Recov Assoc XXXX XXXX XXXX XXXX, VA XXXX XXXX Subject : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all collection efforts related to the account referenced below : Account Number XXXX Despite my request for clarification, I believe your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may be causing unwarranted distress. Specifically, sending letters to an address I no longer reside in, causing me to receive this information up to XXXX year late I am hereby notifying you that I do not owe the stated debt, or if I do, I dispute the amount or validity of this debt. Under the FDCPA, I am entitled to request validation of the debt, and I ask that you immediately cease all communication with me until you provide proof of this debt, as well as any relevant documentation supporting your claim. Please consider this letter my official request for debt verification. If you continue to pursue collection efforts without providing adequate validation or continue any harassing actions, I will consider taking legal action to protect my rights and seek all available remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. This letter serves as a final warning to cease all attempts at contact, and I expect your immediate compliance. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Extremely poor fraud response from Amex. Was alerted to a potential fraudulent purchase by text on XX/XX/23, Did not recognize the charges, Immediately called Amex. Employee confirmed the fraudulent charges, and said a new replacement card would be sent out and delivered by XX/XX/23. 

2 days later, I notice all the fraudulent transactions posted on my account .... Try to chat with AMEX representatives online. Received extremely disgusting and completely incompetent representatives who were of absolutely no help. Truly appalled at the level of service that chat representatives provide. Called AMEX after attempting to deal with chat representatives to no avail. 

Spoke to representative and repeated the same facts. Representative asked if a replacement card was already sent. I confirmed that the rep on XX/XX/23 claimed it was. 

After the representative said that the representative in fact did not send out a replacement card! Nor did they appear to do anything about the fraudulent transactions! 
Instead I got an email that I would get a replacement card only on XX/XX/23, in nine days estimated! I was under the impression that an expedited replacement card would already be here tomorrow! 

Would like the phone call and agent to be reviewed the call on XX/XX/23 to phone number XXXX ( AMEX ) from my phone number XXXX. 
The duration of which lasted for XXXX. 

The fraudulent transactions were not dealt with. The replacement card which was " sent '' was not sent. The new replacement card was supposed to arrive tomorrow, just like the AMEX website policy claims, " next day, or few days '', instead it is expected 9 days from now! 

" All call are monitored or recorded for quality assurance and training purposes ''
Product: Debt collection

Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights. 4. The Collection Agency has no authority to furn
ish any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.
2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Yesterday, XX/XX/XXXX, I made a payment in the amount of {$200.00} to my credit card. My credit card has a limit of {$250.00}. I used an external account, which is an account that is not in the bank where the credit card is associated. I have made my payments on time for more than two years. I have not had any returned or bounced payments. I have used two external accounts to make payments for this credit card for over two years. Today, XX/XX/XXXX, I checked online to ensure that my balance reflected the payment I made yesterday and it did not. My balance still showed the same amount as before and there was a statement under my account stating that " available credit will update on XX/XX/XXXX ''. I pride myself on keeping my credit usage below 30 % so every month before my statement is released and before the bank reports to the credit bureau, I ensure that my balance is paid to at least 30 %. It is extremely disappointing that I have shown loyalty to a financial institution that is treating me like this. I feel like I'm being punished for using my credit card and paying it off every month. I was told by one representative, XXXX, that it could be due to me making irregular payments ( {$50.00}, {$170.00}, {$200.00}, etc ) that my account was flagged and my funds were placed on hold. I escalated  the call and spoke with a supervisor XXXX who told me that it was likely that my payment was being verified and that my payment of {$200.00} in contrast to the balance on the account at the time of {$240.00}, caused the account to be flagged and the {$200.00} placed on hold. Again, I have used this external account for over two years so I'm not sure why it was flagged. It's extremely frustrating, stressful, and disappointing. I expect more from USAA and right now I'm not getting more. I'm getting stress, headache, and sadness. If my credit score is lowered because my credit utilization is high from USAA not applying my payment, I will be extremely upset I worked really hard to increase my credit score and maintain good credit over the years. Even if that's not the case, even if the payment is applied but the monies are just not  available to me that is still an issue. USAA is not being reliable right now and not showing support to me, who has been a loyal customer in banking, investments, and insurance over the years. I'm really hurt by this.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians violated federal law and my rights as a consumer.
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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to an account reporting on my XXXX and XXXX credit report. I have been disputing this account for months now. Equifax has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently XXXX XXXX XXXX XXXXAccount number XXXX : [ fraudulent amount {$49000.00} ) ] Date of Activity : [ XXXX ] As required under Section 605B of the FCRA, you are obligated to block this fraudulent information from my credit report within four business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action.

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at [ XXXX or XXXX ]. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : Account : XXXX Account Number : XXXX It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX % or below within XXXX calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

On XX/XX/2018 I made deposits on two crises with my Bank of America credit card XXXX. One deposit for {$350.00} and one deposit for {$900.00}. XXXX XXXX XXXX cancelled the two cruises on XX/XX/2018 but did not refipund the deposits totaling {$950.00}. I have yet to receive word from XXXX XXXX XXXX that it refunded my money!