23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I live in XXXX, Ky. On XX/XX/2020, I went to Va on business and used my card. Upon returning to Ky. I was trying to check my balance on my account and couldnt remember my password and had to call customer service to get it reset. They in return redirected to the fraud dept and they told me to submit 2 proofs of identification to establish my identity. In return via email a few hours later after midnight on XX/XX/2020 they closed my account saying my identity couldnt be verified? It was my state ID and Social card, it was definitely me?!! The email said they were going to be mailing out the funds to the card holder to the address within 10 business days. Well, I waited and I called and customer service assured me that, yes MY funds were coming to ME! On XXXX the XXXX, I called again, and that's when I was notified that my funds were actually sent to VEC ( Virginia Employment Commission ) .on XX/XX/2020? ALL, my funds? there were ABSOLUTELY NO FRAUDENLY TRANSACTIONS ON THAT ACCOUNT..NONE?!!!!! I can see them sending my LAST DEPOSIT to VEC, but not my ENTIRE ACCOUNT BALANCE?! My refund taxes, and stimulas check were deposited on that account? The account was in good standing?! Why send my whole account to VEC?! I retained and attorney XXXX XXXX and we have reached a man named XXXX XXXX who said that VEC signed for the check, but as of today, nothing has has been verified? And no one is answering my attorney and Mr. XXXX said the check would be re-issued after 120 days if not cashed. Its been 120 days, and nothing from Mr. XXXX, and my Attorney is trying to get my funds sent to me asap?!!! A certified letter was issued to VEC by my attorney trying to get answers regarding this issue, but nothing has been answered as of yet?! We need answers?! My attorneys number is XXXX XXXX XXXX XXXX, and his name is XXXX XXXX.
Product: Debt collection

XXXX XXXX  Claim I Owe A Debt of {$2500.00}. 
This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  and XXXX my credit reports, it shows inquries that are not mine, I have mailed disputes to XXXX  and XXXX and XXXX and have contacted XXXX directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XXXX DATE OF XX/XX/XXXX. This is fraud. I have never applied for this. 
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern. 

I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX on also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. 

XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " FACTUAL DATA XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.
Product: Prepaid card

In an attempt to trick and deceive the Consumer Financial Protection Bureau, Cash App COPIED AND PASTED their last response for the 2nd time to close out the complaint. Cash App failed to respond to this complaint regarding the dispute of Fraud. To further their lack of integrity, They COPIED AND PASTED their last response that included an explanation of an ERROR that never took place instead of addressing the FRAUD complaint. A lawsuit will be filed if they fail to investigate fraud. Complaints with CFPB will also continue until Cash App is investigated by the FTC for their actions in assisting with FRAUD. I reported FRAUD to Cash App on multiple occasions. Cashapp recently submitted a response to CFPB on XX/XX/XXXX that contained false information. Cashapp stated they investigated the dispute and concluded that no error occurred. However, as you see from the attachments, they never conducted a dispute. Cashapp attached a form that included a portion of the card number used to commit fraud and stated no error occurred. Cashapp has not once contacted the MERCHANT they claimed removed the funds from the account. In this email attached you can clearly see XXXX stating : Although our investigation determined that no error occurred, we may still be able to dispute your claim directly with the merchant. If you would like to open a new claim with additional information for the investigation, you may create a new case using that by following these steps to initiate the process in-app : Once these steps were completed and a request was made for the dispute to be filed with the MERCHANT, they closed the case. Cashapp has continuously lied to the CFPB about this dispute. Not once did they attempt to contact the MERCHANT about fraud. They claim to have investigated the " error ''. Someone stealing money is NOT an " error ''. They do not have a clue. They do not know how to conduct a FRAUD investigation. I have attached the paperwork from Cash App regarding the dispute I filed. They are calling these forms proof that no error occurred. The forms indicate nothing but the card number that was used in the transaction NOT that the charge was authorized. THEY ARE WELL AWARE that the MERCHANT does NOT exist. The only other plausible conclusion that I can think of is that they have stolen my money and created a fake merchant name. There is no other reason why they would fail to complete the dispute directly with the merchant. There is no logical or legal way that Cashapp can investigate a FRAUD related dispute without reaching out to the MERCHANT. I believe they are lying and stealing money.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I logged into my PayPal to transfer money to my bank to pay my rent etc as I usually do every XXXX of the month. Only to see after 4 years of using this service they " Permanently limited my account. Upon researching this matter I've discovered hundreds of thousands of similar forums and complaints from other consumers being done the same exact way by paypal. They try to use the User Agreement fake violation which isn't recognized by the court of law. No financial institution has the right to hold your money that long interest free without explanation. Imagine waking up tomorrow to access your funds only to see they are locked for 180 days for absolutely nothing, and no reason given what so ever. Yeah the XXXX XXXX Notice of Arbitration and possible civil litigation are the next steps. I don't mind spending money to prove my point you are gon na end up spending your own money only to return all of my hard earned money!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees that occurred or will occur from them letting others take money out your account when its low, not enough, or just no money at all. Even when your card is locked and you havent allowed them any approval to take money. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  Experian, TransUnion , and Equifax Subject : Request for Removal of Unverifiable Account Compliance with FCRA & FDCPA To Whom It May Concern, I am writing to formally request the removal of an unverifiable charge-off account from XXXX XXXXl, originally reported on my credit file. The details of the disputed account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Amount : {$26000.00} On XX/XX/year>, I submitted a dispute regarding this account with XXXX, as I believed it was inaccurate and/or unverifiable. XXXX completed their investigation on XX/XX/year> and subsequently deleted the account from my credit report. Due to this deletion, it is evident that the account could not be verified, and as such, I am requesting that Experian, TransUnion, and Equifax immediately remove this unverifiable account from my credit report as well.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account is disputed and subsequently found to be unverifiable, it must be deleted from the consumers credit report. If XXXX, a recognized nationwide specialty consumer reporting agency, was unable to verify the account and therefore removed it, Experian, TransUnion, and Equifax are also required to follow suit to ensure compliance with the law. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e prohibits any false or misleading representation of debt. Keeping an account on my credit file that has been proven unverifiable constitutes a violation of this provision. 

I formally request that Experian, TransUnion, and Equifax remove this account within 30 days, as required by law. Failure to comply may result in further legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation under FCRA 15 U.S. Code 1681n and 1681o, which provide for statutory damages, actual damages, attorney fees, and punitive damages for non-compliance.

Please confirm in writing when this unverifiable account has been removed from my credit report. If this request is denied, please provide a detailed explanation and the method used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

my capital one credit card was stolen twice at XXXX Gas Station in XXXX, NY one charge was for {$190.00} and the other {$200.00}. I was in XXXX XXXX, NY at that time and didnt make the charges capital one claims they cant give me credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2.

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

I deposited XXXX dollars in Wells Fargo CD. When I tried to withdraw the money, they told us that account no longer exists. 

Therefore, there is no record of our account and they cant give us money back. Basically they lost our money. 

I tried to XXXX their answer and I see that they consistently involved in those practices - stealing money from people. 

And nobody makes them accountable for what they are doing. 



According to XXXXs article published on XX/XX/2018 they stole XXXX from Widow. Also another article from XXXX XXXX XXXX states that Wells Fargo again cant find XXXX dollars CD for another customer. 

https : XXXX I have attached our Certificate of deposit here as an evidence that we deposited XXXX dollars to their account. 

Please help us to get our money back and spread the word about this. I am also going to contact newspapers, news and other departments so that they can spread the word about the bank. This bank needs to be investigated!
Product: Credit card

Synchrony bank, closed my XXXX limit, credit card. Being biased stating I was a risk. That is not a valid reason. When I paid on time each month. I missed a payment due to a drastic challenge in my life. I demand you open my account back.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The only address on my credit report should be XXXX XXXX XXXX XXXX NC XXXX. The only phone number should be XXXX.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Jewelry, cameras, and computers XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Equifax I want these items to be remove from my credit report immediately.
Product: Student loan

To whom it may concern, I am writing to you as I am formally requesting the Navient School Misconduct private loan discharge application. 

My former school ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has knowingly misled students by falsifying data, cheated borrowers who were mislead into attending the school, as investigated and determined by the US Department of Education. In XXXX  XXXX reached a $ XXXX settlement with the Justice Department over allegations of illegal recruiting tactics.

I filed a Borrower Defense to Repayment in XXXX and my application has been reviewed and approved by the US Department of Education with full discharge for all federally-backed loans for enrollment at this school. 

I have reached out to Navient many times throughout the tenure of my private student loans requesting information for discharge, and I have never received any application for use to relieve me of the financial hardship that I have undergone in response to these loans. I believe Navient has a duty to offer relief to students who attended for-profit schools with the hopes of bettering their lives and careers, but instead have been trapped in a vortex of unaffordable payments.
Product: Payday loan, title loan, or personal loan

Advance America lost my final payment which cleared my bank on XX/XX/2022. 
The bank shows they took their payment. 
They simply refuse to address their error, instead insisting that I pay them more. 
I've spoke to many people and provided more than sufficient proof, which they declined when I refused to EMAIL my social and date of birth.
Product: Debt collection

I inherited a time share from this company. Upon speaking with them, I was told that since the timeshare was paid in full minus the dues that all I had to do to return the timeshare to them as I didn't want it was to let the dues go. I didn't pay the dues and then nothing happened, a year later I get a bill for 2 years dues. They refuse to speak with me now on the issue and have since turned it over to collections. Which I have disputed with the collection company. They keep removing it from my credit and adding it back with a new date and amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Status of account is correct, however the servicer shows the account as behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. Unverified Inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX ... store that allows people to finance on ok credit is continuously submitting an inquiry into my credit and I have not authorized this. 
I applied once and they did the inquiry. I accepted that and never went back. Why are they still submitting inquiries on me. It is unauthorized Conns furniture XXXX Arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX  XXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.