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

I am writing to formally request that you immediately cease and desist all communication related to the alleged debt referenced in your correspondence dated XX/XX/2024, which I received on XXXXThis letter is in response to the aforementioned communication. 

I dispute the validity of the debt you claim I owe to Navy Federal Credit Union, Account Number XXXX, in the amount of {$25000.00} and {$36000.00}. I believe that there are significant inaccuracies and discrepancies in the information you have provided regarding this debt. I have taken steps to review my records, and I have reason to believe that this alleged debt is not accurate or valid. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I request that you provide me with the following information : 1. A detailed breakdown of the alleged debt, including the original creditor 's name, the original account number, the date of the last payment made, and a complete transaction history.

2. Copies of any agreements or contracts that substantiate this debt and prove my liability ( including signed promissory note ) 3. Verification of your authority to collect this debt from me. 
4. Verification that you could take money out of my account without permission.
Product: Credit card

This report is because I already tried to resolve this issue directly with the card issuer. However, they insist that I must pay for the charge reported as fraud. I want to report again that this charge was not authorized by me. I do not have another authorized user on the account and I have never given my card or information to anyone so I am completely unaware of this charge. I asked Aspire to do a thorough and appropriate investigation into this case but they did not do so as they never provided me with the information used in the investigation. I contacted the merchant and they told me that the card issuer should work with them to reach a result. I reported the charge after contacting the XXXX merchant and that is why I did not report the charge immediately to the bank. I tried to resolve it with the merchant first and told the Aspire agent who helped me. 
Also, I'd like to report that I do not have a credit card since a few months ago because Aspire haven't sent a replacement card yet. This actions shows their lack of ethics and professionalism. Aspire doesn't care about customer satisfaction at all. It seems very unfair to me that I pay XXXX dollars every month plus an annual fee for the use of this card when I am not using it because I have been without the card for months. 

Transaction details : XX/XX/year>XXXX XXXX  {$250.00}
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX XXXX was closed & charged off! On XXXX account says closed but passed due for the amount of {$3500.00} but on XXXX is reported as closed & charged off in the amount of {$4700.00} both with same dates of XX/XX/year> but different amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

Chase closed this account for no good reason : XXXX XXXX XXXX XXXX. Chase closed account around when unrecognized charges were reported.
Product: Debt collection

I got a phone call from some lady showing on caller ID as XXXX XXXX XXXX They had some basic info from Im assuming my credit report .. the lady went on to say I wouldnt be sued if I agreed to make a payment today of {$1000.00} The supposed debit never never occurred and I told the lady that .. she just kept threatening me. 

She wouldnt give me the name of the business she represented but provided me with a XXXX number Upon waiting on hold for 28 mins I got frustrated and hung up then called the XXXX XXXX XXXX it turns out it's a company called portfolio recovery associates Upon calling back and demanding they provide me with more information in the mail about this so called debt. I was placed on hold again .. this time to talk to the dispute department.. wel guess what another 20 mins on hold and I finally gave up
Product: Credit card or prepaid card

I received a charge on my credit card bill for {$69.00} dated XX/XX/19 stating that it was for an annual fee. On XX/XX/19 @ XXXX XXXX  I called the number on my credit card XXXX. The call lasted 10 minutes and 42 seconds. I inquired about the annual fee and the rep that I spoke with said that I must pay the fee. I informed the rep that I wanted the card cancelled immediately ; that I was not willing to pay {$69.00} for a credit card. I was told, regardless, I must pay the {$69.00} fee as I had already used the credit card. I again said to cancel the card and wanted to speak with a supervisor. 

A supervisor got on the line and told me that I must pay the annual fee as I had used the card. I was told that there was no way to waive this fee. I explained to the supervisor my frustrations and again said to cancel the card and I would be done with First BankCard. 

First BankCard refuses to cancel this card ; there reason is that when I called to cancel, the rep was not able to read me a full disclosure because I had asked to speak with a supervisor, therefore, they can not and/or willnot cancel this card. 

They are allowing charges to be made on this card, after I spoke with 2 individuals and told both individuals to cancel the card immediately. 

This credit card should have been cancelled on XX/XX/2019 at roughly XXXX XXXX, that date that I called and requested that it be cancelled immediately. 

There is no reason that this company should refuse to cancel the card and give some lame excuse that it is because they were not able to read me a disclosure. At that point, I did not care about any type of disclosure. I wanted the card cancelled immediately and did not want to be held responsible for another {$69.00} annual fee. 

This card should be cancelled effective on the date that I called and told them to cancel it.
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 ( 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 a significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Vehicle loan or lease

I submitted extension request for payment to my auto loan as SunTrust offered relief due to the COVID-19 pandemic on XX/XX/XXXX of this year. I received a confirmation email, still they kept charging me installment in the amount of {$670.00} in the month of XXXX, XXXX and XXXX. 

I tried to contact their customer service after a lot of struggle in the month of XXXX. They were rude on the call. After a lot of explanation, they said a manager will call me within a day, but nobody called me till date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this problem regarding a fraudulent account that was opened by my soon to be ex-husband and his mistress. They used my name, social security number to open an account with XXXX XXXX XXXX. I have requested a copy of the contract from them and have disputed with the bureaus in hopes they would request this contract. I filed a report with the FTC for identity theft ( Ref # XXXX ). So XXXX come back and think that adding my husband name as a joint user make this right? How are they going back and reporting this as a XXXX from XXXX if the prior reporting stopped on XXXX? How is this right? How are they allowed to be vindictive and start reporting this again because I have disputed this fraudulent account Numerous times trying to get help with this. I have attached the before and after of this dispute from XXXX, help me make this make sense. The credit bureaus are not validating this information and Is only going by what XXXX XXXX is saying which is a lie and fraud. I tried working with them and Making this right by paying off the fraudulent account after contacting them back in XXXX when I found out about the account. I paid it off and they advised that they would remove it and they lied. But how do XXXX go back and update an account that stopped reporting in 2019? My next steps is to file a lawsuit against the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called XXXX XXXX regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to EXPERIAN so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the XXXX XXXX XXXX account would be getting removed but the account is still showing on my EXPERIAN report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2018 I sent a letter to XXXX XXXX XXXX, XXXX about a debt that is not mines. I sent them a letter of validation regarding this account. I received a letter stating that they bought an electrical file from XXXX  XXXX. I asking them to provide me with an original contract with my signature and/or electrical signature and they have not provide an evidence that this debt is mines. It is affecting my credit score 's and I would like the debt to just be removed. This company has not and will not provide a contract with my signature because I never signed a contract with them and/or XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my knowledge or authorization.

Accounts to Be Blocked and Deleted : XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$8.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$87.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against Experian, XXXX, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On [ date ], I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Experian, XXXX, XXXX continue XXXX furnish information related to my account with XXXX  on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Experian, XXXX, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Experian, XXXX, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian, XXXX, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Unapproved accounts have been added to my report. Please take action to remove them.
Product: Credit card or prepaid card

I have been receiving unemployment benefits since XXXX of XXXX with the California edd Bank of America pre paid card on XXXX of XXXX my account was locked due to a supposedly fraudulent withdrawal or suspicious activity wich I tried to inform edd and bank of America that it was me doing those withdraws but it didn't matter what I said they never unlocked my card or replaced it till this day I've been trying to get my funds that are locked on it but no luck both edd and bank of America have given me the run around they can't tell me the reasons why it was locked or solutions on what to do next I call every day with no solution to my problem all I want is for my funds to be released and for my card to be unlocked and reusable I'm receiving my benefits through checks by mail right now which is a problem but it takes forever if there's anyway yell can help me with this it would be much appreciated thank u for your time.
Product: Checking or savings account

This bank has cause me emotional pain during this most difficult time that everyone is experience. We are in a difficult time that everyone is using their debt card. A lot of businesses are dishonest and if I order a product and never receive my product the bank give us the right to dispute, After I did so Wells Fargo want to punish me. I have bank with them for over 8 years and the moment I have money in my account them want to punish me. If I dispute a merchandise and receive the mechanize I will call wells Fargo to inform them that the product was received and they will closed the case ( It never mentioned as if I called but a represent will put close on there, but I will call and closed the case, on so many occasions. I believe because I informed they about a mechanize I never receive they decided to punish me. I need to use my debit account, who can stay without their debt card for 12 months, Everything we buy is by using our debt card. During the worst economy time in America,  they have cancel all my debt card. I am so upset and need to contact the consumer protection who can protect customer because these banks are run my frauds who only care about their money and not the customers. I can't go into your bank and touch any money during this coronavirus. You want to give me conronavirus with getting money from the bank.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Student loan

Over the past few years I have requested (via recorded calls and certified mailed, notarized affidavits) the original indebtness instruments (promissory notes) from Navient. I have not received them.I figured I would give it one more shot. So I requested them again yesterday, via phone call.They have drastically surpassed the allotted timeframe to provide these documents.I have tried diligently to resolve this issue but they are unable or unwilling to provide the essential  records though they continue to want payment for unverified loans.This is unlawful and unfair. I demand that I receive the ORIGINAL letters of indebtness within 15 days or I will be forced to take alternative legal measures.This is causing me emotional stress due to its adverse repercussions.Thank you in advance .Signed,XXXX XXXX- XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX i sent police report and ftc reports many times but got refused and error. saying the police report was not honored and that the blocking or the removal of debt was not accurate. I was denied my right to privacy contacted all 3 company about the information that was reported on my credit report with out my knowledge I also let the companies know that I was a victim and I need assistance on my behalf experian has a policy where I had purchased insurance from there conpany saying if I was a victim I will get help up to a XXXX dallors which never happened and they refused the matter,. I also try to upload documents which they said they didnt received but I know I uploaded documents on each matter with the cfpb they said they didnt receive any information from cfpb complaint.This matter has case me mental health issues denied loans and etc. I need help with this matter I took legal actions and they still not honoring the ftc reports and police reports I also reach out to actual companies they sent deletion letters and experian and XXXX and XXXX still not honoring, breaking all my laws to uphold debt in my name illegally. XXXX XXXXXXXX XXXX XXXXXXXX {$60000.00} XXXX XXXX XXXX but they have it at a diffrent amount showed on the reports. see attachments.
Product: Credit reporting

I have NEVER been associated with address:XXXX XXXX XXXX XXXX, XXXX have resided exclusively at XXXX addresses in XXXX , XXXX since 1985 : XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX 

XXXX, XXXX, XXXX is a total misspelling & misrepresentation of my last name. XXXX & only spelling should be XXXX.
Product: Vehicle loan or lease

I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX  ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.