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

The credit bureau XXXX and XXXX is failing to remove all of the incorrect items from my consumer report after receiving several rounds of dispute letters from me. They also claim that they can not verify who id sending the letters after receiving documents containing my identity attached to the letters.
Product: Money transfer, virtual currency, or money service

i was sent money on pay pal XXXXt+hey limited my account and wont let me/ transfer money out until 180 day in the amount of {$1200.00} on XXXX XXXX i have called several times to get funds released but they keep telling me the same thing
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, XXXX and 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
Product: Mortgage

Since XXXX I have applied for a modification. I have been asked for my paperwork over and over again and then some more. Then asked again for the same documents. All the while threatening me with a sale date which is contrary to federal and state law.. I am a nervous wreck
Product: Credit reporting or other personal consumer reports

One of my debts is by XXXX XXXX which is a MEDICAL BILL. It needs to be removed from my negative report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that dates back from XXXX, that i didnt authorize. No one seems to want to help me.
Product: Checking or savings account

On XX/XX/XXXX I was XXXX  XXXXXXXX XXXX I locked my card from chase bank and went to bed woke up the XXXX XXXX was missing I called the claims line and she doesnt know where my money went
Product: Credit card or prepaid card

Applied for Visa CHASE CC thru Amazon with {$150.00} gift card incentive on XX/XX/21. I was approved. Began using gift card while awaiting card in the mail. Prior to receiving card, attempted to generate an online profile so I could see balances and purchases and possibly pay as I went along to void interest. Couldn't start online profile without card #, so again, waiting for physical card. Finally thought card arrived only to open a bill that said past due with a LATE FEE! Called immediately to say that I never received a card and can't generate online profile without card to verify charges as mine. They canceled the card for fear of fraud and when I asked about amount due they said they would look into balance due to make sure they were my charges. I truly did not think I should have a balance due because my Amazon charges were being taken from the gift card incentive of {$150.00}. Each time I made a purchase, it showed that it was pulling for said gift card. 
Finally received CC in the mail yesterday ( XX/XX/XXXX ) and tried to AGAIN create an online profile right away so I could verify charges and status of payment. In order to do so, the system wanted to send me a one-time pass code but had TWO old phone numbers and email address from years ago ( I have no clue how that could have possibly happened ), so they could NOT send pass code. I called today and was on the phone 1.5 hours, with various departments, each one changing the old info. Finally, was told that I had to pay balance due as card was locked. What?! Also, if I wanted to generate an online profile to pay bill and check balances, I had to go INTO a Chase bank with TWO forms of ID. I am done. In all of my 60 years, I have not experienced anything so surreal when applying for a CC. If only I could go back to XX/XX/XXXX and NOT deal with Chase. Unless this gets taken care of, I will continue to share this experience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Request to Update Personal Information I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : The date on my credit report, XXXX, is no right. I request that my real birth is XX/XX/XXXX, be updated completely. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social security Number Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Money transfer, virtual currency, or money service

I received a 1099-K form for the XXXX tax season with income reported in column 1a ( gross amount of payment card/third-party network transactions ) and I have no idea what this is about. I do not use the " cash app '' or any services like this. I can not get them to respond to my inquiry or provide any details as to what this is about. I offered to provide them with the account number on the 1099-K form, but they said this wasn't good enough. I called Block Inc, at XXXX, on XXXX XXXX, XXXX, and spoke with XXXX, then had to call back and I spoke with someone who did not identify themselves but told me that they could not give me any information without me knowing the phone number, email or hashtag used for the account. I don't have any of this information. I strongly believe this company is a fraud and is fraudulently being deceptive.
Product: Credit card

Failed to show a tual correct delivery.

1- picture shown wrong apartment door where pa kage was left 2-failed to obfain signature and it was required.

Best Buy documents failed to show signature obtained, instead stated package was dropped off Please see attahed documents
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

They are keep reporting this item on my credit. Without my knowledge they havent mailed out anything. They just reported it all my credit without even knowledge and me at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 



Sincerely yours, XXXX XXXX
Product: Credit card

I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.
Product: Student loan

I paid over XXXX payment on my Mohela student loan account. After XXXX calls and 30 days from when I made the payment the balance has still not reflected. I have proof from my bank that the amount was delivered but Mohela can not locate the money, they keep telling me it will now take 120 days to process the payment. Mohela still charging me interest since they keep saying send a bank statement to show the money was sent. I have a confirmation email and proof the payment was sent. Every time I call I get a different answer as to why the payment has not processed. Worse customer service I have ever experienced. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into my XXXX XXXX Account and noticed An unauthorized hard inquiry on my credit report from TD Bank US/ Target. Dated XX/XX/2022. I knew I had never asked for any credit with Target and had heard of TD Bank US. The hard inquiry only showed on the XXXX Credit report. I Immediately called them and filed a credit dispute. 
They sent me a email document showing my credit history and on page 13 of 16 appears the unauthorized credit inquiry. I called XXXX and had them freeze my credit information. The called TD Bank US who put me intouch with Target 's credit card fraud division. Who researched the fraudulent application and stopped the release of the Target credit card. 
Target is sending some sort of paperwork they want me to fill out and return but I will have to see what it entails. I have since frozen my credit reports with XXXX and XXXX also
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I allow XXXX  to withdraw money from my checking account to a savings account. Bank wont allow this anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion Multiple times, explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Product: Debt collection

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX DOB XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT CREDIT MANAGEMENT LP  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX DOB XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I have been directed to the presidents office several times and was even told they would contact me regarding my loan, no one has contacted me from wells fargo dealer services
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 60 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. Also, per FRCA it is required that Im provided proof of original documentation bearing my signature and/or method of verification used within 15 days of a completed investigation, which I received neither. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach.
Product: Mortgage

Wells Fargo Bank, Home Mortgage closed my mortgage loan in XXXX of XXXX and opened another mortgage loan account without my knowledge, and there has been nothing but accounting errors on behalf of Wells Fargo Bank ever since. Wells Fargo Bank has been sent copies that 2 payments were made in XXXX XXXX. One on XX/XX/XXXX and another made on XX/XX/XXXX. These payments were not applied to the mortgage loan. All other payments made after this were applied until XXXX XXXX. Payment made on XX/XX/XXXX was not applied to the loan. Two payments made in XXXX were misapplied. All payment from XXXX XXXX have been misapplied to the mortgage loan account by Wells Fargo Bank employees. Including the payment made in XXXX of XXXX. Again, Wells Fargo Bank and it's employees have made numerous errors on my mortgage loan. Wells Fargo Bank refuses to accept responsibility for the errors made by it's employees and their online site, which is not secured. This is Wells Fargo Bank 's responsibility and Wells Fargo Bank refuses to take the responsibility for it's own failings in this whole matter. Instead, Wells Fargo Bank continues to add interest, late fees, and other fees and claim it's all part of the principal of this loan. Wells Fargo Bank employees are irresponsible making Wells Fargo Bank responsible for these errors. Wells Fargo Bank has tried passing off information on all XXXX payments that is completely wrong and refuses to acknowledge that Wells Fargo Bank does not have an accurate accounting of all payments made, including XXXX of XXXX. Wells Fargo Bank claims they attempted to call me before XX/XX/XXXX, however there is no record of any attempts of contact made by Wells Fargo Bank, Home Mortgage on this date or any other date. There also has not been any statements sent to me by Wells Fargo Bank, Home Mortgage in XXXX. This proves that I have paid my mortgage loan in full. Otherwise there would be statements mailed to me on a regular basis. The only way I have gotten any statements from Wells Fargo Bank has been by filing these complaints.
Product: Money transfer, virtual currency, or money service

I am filing 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, their 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.