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

I am writing to formally request that the following accounts be blocked and deleted from my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}
Product: Checking or savings account

On XX/XX/XXXX we notified American Express that they had paid out of our account fraudulent claims, We were told that it would be turned over to the fraud department, XX/XX/XXXX tthe fraud department told us that we must submit a claim which we did. 
Talked with reps from the fraud department on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each time we were told that they were working on it and the funds would be put back within 10 working days, This has not happened, On XX/XX/XXXX I asked to speak with the fraud department supervisor and was told by XXXX that she could not transfer me but she would notify the supervisor and they would call me within 48 hours, Never received a call back, American Express Savings does not seem concerned about them paying out funds that were not authorized by the depositor, As you can see we have made every attempt to resolve this matter to no avail,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I sent written communication to Portfolio Recovery Associates dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Portfolio Recovery Associates dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Portfolio Recovery Associates sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Portfolio Recovery Associates communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Portfolio Recovery Associates to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Portfolio Recovery Associates provided none of the above. Portfolio Recovery Associates continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Portfolio Recovery Associates has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process with the same outcome from Portfolio Recovery Associates. The above illegalities were committed via USPS mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The credit reporting agency has been reporting inaccuracy on my credit report, XXXX XXXX is not a registered business in the state of new york. They do not have any authority to call anyone in XXXX to collect anything there is no bond on record. There is no contract with my signature. There credit bureau has not verified any of this before applying the information to creditors. My suffereing is at the hands of the bureau. they are paid to keep consumers down.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report. Requesting immediate correction.
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. 
Please block the items in my credit report that resulted in identity theft. These items are erroneous and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the third time me requesting to have a pin number for all 3 credit bureaus I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with Cewdit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing significant distress and inconvenience. 

I discovered unauthorized transactions on my account, indicating fraudulent activity. Immediately, I contacted your customer service department to report the issue and initiated the necessary procedures to resolve the matter. 

Since then, I have made numerous calls, submitted written requests, and provided all the required documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these efforts, the unauthorized transactions continue to impact my account. 

I have attached a detailed timeline of my interactions with your institution, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. 

The lack of resolution in this matter is causing financial strain and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urge you to conduct a thorough investigation into the matter, remove the fraudulent items from my account, and take necessary measures to prevent any further unauthorized activity. Additionally, I request clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will be compelled to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} 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
Product: Student loan

Dear Sir or Madam, I am currently serving in the XXXX XXXX. However, before joining the XXXX I accumulated XXXX debt in my student loan. I tried to work things out with Navient, but they could not help me at all. My pay check is XXXX, and the payment that I make to them is XXXX. I am struggling to break even every month. Also, I tried to enroll in the federal student loan forgiveness, they said that my private loan does not qualified to that program. I want to know that if that is true or they are just lies. 

Respectfully, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Debt collection

I am disputing all the credit-card charges ( approximately {$15000.00} plus ) of my former husbands on a defunct USAA credit-card account that USAA has used to lower my credit score from 820-840s to the low 600s. This USAA account was opened XX/XX/XXXX by my ex-spouse. We were married on XX/XX/XXXX. The separation agreement was court authorized onXX/XX/XXXX. Living in the state of Arizona, after that official date of separation, Arizona law states that all credit-card purchases are the sole responsibility of the person who made the purchase/transaction. In addition, as a part of that separation document, all open joint and individual credit-card accounts were listed, copied from a credit report. My ex-spouse signed that acknowledgement of the accounts. There is no USAA card listed. We divorced with my former husband residing in the XXXX area and I in XXXX.
Some time after the XX/XX/XXXX divorce my ex-husband somehow had the account reactivated. I had no knowledge of the account 's existence or of any of the charges.
My ex-husband suddenly XXXX XXXX on XX/XX/XXXX.
USAA was notified by the Personal Representative of my ex-spouses XXXX. At that time it appears that USAA transferred all the charges to my name ( only ) and began to call me demanding payment. I explained the situation but the calls persisted. I tried to educate each caller, many acted as if they did not have any information except the total amount due. One stated that the debt was subject to national laws not the state laws ( untrue ). The USAA agents would not even provide me with the account number! During these calls I requested copies of historical records that were ignored by USAA. They also began calling my daughter. She stopped taking any calls from unfamiliar numbers.
The estate 's Personal Representative subsequently called USAA and provided the address of the probate attorney for USAA to forward the information regarding the debt. USAA did not send notice to the estate, and continued to call me. I sent a cease and desist letter to USAA on XX/XX/XXXX and the telephone calls stopped but the " non-payment '' and " in arrears '' notices on my credit reports caused two other credit-card companies ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) to cancel cards. I sent a letter to XXXX on XX/XX/XXXX explaining the situation but they replied with a letter stating they defer to USAA 's reports.
USAA subsequently sent the amount due to a collection agency, the XXXX XXXX. They began to call. When I explained the situation they put the account on hold, and sent me copies of recent USAA statements with my name on them ( that I had never seen, they had been sent to my ex-husbands address in XXXX ) that only show the amount owed and accumulating non-payment and interest charges, no historical purchase information. After a second letter from XXXX  saying they once again were asking for the funds, I called them on XX/XX/XXXX. XXXX advised since I was disputing the charges they were going to refer the account back to USAA. I subsequently called USAA but they did not have the files back on their computer system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Product: Vehicle loan or lease

Annual Interest rate is 25 % when I got approved for the loan on XX/XX/2019 at XXXX for the car although I had a low paying full time job and terrible credit. That makes my bill {$550.00} every month, and if I have a late payment an extra $ XXXX per month, on top of the {$6.00} processing fee for when I have to go online to make a payment. I believe they also charge the {$6.00} processing fee for if I make the payment over the phone.My finance charge is {$19000.00} in expenses due to this 25 % charge. Ive been making payments on this high interest note with late payments, and processing fees included so my bill is current. However, I feel like I should have never had a 25 % annual interest rate charge in the first place.
Product: Debt collection

Accounts management in XXXX XXXX South Dakota have my address from two moves ago. I used to live in XXXX SD and moved to XXXX XXXX in XX/XX/XXXX. Ive been served the same papers by them from XXXX XXXX sheriff in XXXX in Nebraska. Today, XXXX sheriff at my work at XXXXXXXX XXXX  XX/XX/XXXX. My husband was served the exact same on the same debt amount to his work at XXXX XXXX SD in XXXX. I am not a South Dakota resident so I understand the Nebraska sheriff but this is very much harassment when my husband and I are getting papers from SD sheriff while we are working. We have called the XXXX department and asked to stop because we are not South Dakota residents.
Product: Consumer Loan

equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent money using Revolut from the US to my XXXX XXXX account for {$730.00}. With this type of transfer, the funds are in my XXXX account within a matter of hours. After the funds did not show up after Revolut stated everything went through correctly, I asked Revolut to do a trace because the funds were not in my XXXX XXXX account. What happened was a bunch of run around. I asked for a trace to be opened and they did not start one until that Thursday. I did not receive a response from their trace department until Friday evening. When I did the transfer their system stated I would receive the funds same day. It was not until after I raised the issue did they state that the funds were sent via XXXX and the timeframe was 5 business days. It is a bait a switch tactic from Revolut and it turns out they are not even the individuals who do the transfer so there are so many delays. It also does not help that they prioritize their customer service by who pays to upgrade their account. So if you are just on their free account, responses are super slow and they do not care. I keep being told to have patience when me and my children have no money for food, my medication or for rent. It is now a week later, I still do not have my money, and I keep getting the run around. This type of customer service is unacceptable when you are dealing with individual 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; Equifax XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at Equifax as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion
Product: Prepaid card

I went to a gas station and paid for items totaling {$6.00} inside. I did not ask for gas or purchase any fuel at the pump. 

I noticed a {$30.00} charge on my account minutes later. This charge was fraudulent and unauthorized. I called cash app support the day of the incident. They assured me it was a temporary hold and I would be reimbursed after processing completed. This never happened. 

I have called cash app for the past week over XXXX times. They have repeatedly denied my claim saying that no error has occurred and that I authorized the charge. I have called XXXX multiple times and they admit error has occurred. Yet, they are waiting on cash app to start a claim. 

I, of course, did not authorize this charge. 

As a customer and unemployed college student who relies on financial aid, I can not afford fraudulent charges on my account. I earned the money I do have honestly, and this should not be taken without my consent. 

I have noticed a trend with Cash App, where multiple customers complain about their money being stolen, and Cash App doing little to support. Customers service representatives need to be given access to more information or customers need to have direct access to managers and decision makers. 

I understand these situations are not always XXXX and white. However there should be no case where customers have money stolen and are unable to speak with someone detailing why.
Product: Debt collection

XXXX XXXX  did not provide the service they promised me when I opened the account. The XXXX service had 0 signal in the area where I live. Because of that, I decided to close the account the same day it was opened. XXXX also has a 14 day trial period for customers to try out their service before committing. I called the XXXX company to cancel the account and because I cancelled the service the same day it was opened, the XXXX representative told me they would not charge my card and no fees would be involved. Now, after checking my credit report, I see a collection from the XXXX account that was opened 2-3 years ago. 

I disputed with the 3 Major Credit Bureaus and they did not assist me since the claim I made to the Bureaus was made electronically. The collection is still on my credit report.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing you to inform you that I reviewed my consumer report and found that there was inquiries of unauthorized usage on my report. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

As a result of this fraudulent activity i have suffered mental distress, anxiety, emotional distress, and I am demanding a payment of {$1000.00} to settle this matter.

IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 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 ;