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

On different email accounts Google pay has charged the account for services that I inquired about but did not necessarily want so I'm asking that you please look into that because I don't think that it's right I don't think that it's fair I don't think that it should go that way I've consulted with them they had agreed on reimbursements not necessarily went through so I'm bringing it to your attention. 
Here are my email addresses that have been victim to wrongful charging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX Arizona XXXX current mailing address. 
My current email address XXXX Look forward to hearing from you regarding this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Immediate Reinsertion of Corrected Information Discover Account Dear Sir/Madam, I am writing to formally demand the immediate reinsertion of a corrected entry related to my XXXX account on my credit report, in compliance with 15 U.S.C. 1681 ( i ) ( 7 ), as part of the Fair Credit Reporting Act ( FCRA ). I previously disputed the entry associated with my XXXX account ( XXXX XXXX ) on my credit report, and the results of that dispute clearly show that the information was removed from my credit report.

Under the FCRA, specifically Section 1681 ( i ) ( 7 ), if information that was previously reported is corrected after a dispute, and if the furnisher of that information fails to provide substantiation, the disputed entry must be deleted from my report, and I must be notified of its reinsertion only when the information is verified as accurate. Additionally, you are required to provide a detailed description of the steps taken to reinstate the entry once it has been properly validated. 

The entry related to my XXXX account was disputed because it contained errors or outdated information. Following the dispute process, I have submitted all necessary evidence to demonstrate that the reported information was inaccurate, and therefore it should have been corrected or deleted. The continued presence of this erroneous information is a violation of my legal rights under the Fair Credit Reporting Act. 

I demand that this incorrect entry related to my XXXX account be immediately corrected and that the corrected information be reintegrated onto my credit report without further delay. Additionally, I am requesting a formal acknowledgment of the correction and a clear explanation of the steps you have taken to comply with 15 U.S.C. 1681 ( i ) ( 7 ) in the reinsertion process.

Failure to resolve this matter within 30 days from the date of this letter will result in further actions, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies as provided under the Fair Credit Reporting Act. 

This is a final request for immediate action. I trust that you will promptly correct the error and reinstate accurate information related to my XXXX  account. 

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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery states that it verified that I was notified on a legally binding document making the claim that they mailed a letter to me on XX/XX/XXXX that I never received. 
This is in regards to the results I received via CFPB # XXXX via CFPB portal on XX/XX/XXXX. 
Therefore, I am officially requesting that your organization provide verification of delivery of that notice such as the tracking number that your organization used to verify as ( PROOF ) : that you sent such notice on XXXX XXXX that you state was full complete validation in accordance with the Fair Debt Collection Practices Act. 

I was not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my credit report.

I was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and deceptive means. 

Portfolio Recovery has no authority to furnish this account to a consumer reporting agency with my name and non public personal information to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) A.
Product: Credit reporting or other personal consumer reports

I have consistently raised concerns about the inaccuracies in the provided information with XXXX, Experian, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

In XXXX of 2023 I refinanced my XXXX Insight with Navy Federal Credit Union. XXXX released the vehicle XX/XX/2023 to Navy Federal. Navy claimed they never received the title in XXXX of 2023. When I called to dispute, they changed their story and said they never got the lien release so the refinance wasn't final. Even though they sent me a XXXX dollar refinance credit in XX/XX/2023. 

Without the proper paperwork Navy failed to send in to the Motor Vehichlce Administration in a resonable and lawfult time, I'm unable to sell or trade in my vehicle because businesses will not accept a different lien holder on the Title. Right now I'm getting charged interest for this vehicle loan I'm unable to sell and Navy is receiving profit. I was offered XXXX over what I owe for the vehicle!
Product: Debt collection

I received a response to the complaint I initially filed with the CFPB today ( XX/XX/2022 ). I did not receive the items I specifically requested in my initial letter to the collection agency ( XXXX XXXX XXXX ). The collection agency merely forwarded a letter summarizing charges they claim are due. The letter was not even on letterhead nor was there anything provided from the original creditor ( XXXX XXXX of KY ). 

Attached is the letter I sent via certified mail with return receipt today ( XX/XX/2022 ) to the collection agency noting that I would not accept what I received from them to validate the related claim. I am also attaching a copy of the letter I received from them today. 

Note that I demand the related collection account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

CUSTOMERS MUST HAVE ACCURATE CREDIT INFO THIS INCLUDES 3RD PARTY SITES THAT USE THE CREDIT INFORMATION. XXXX XXXX HAS MY CREDIT CARD AGE AS XXXX YEARS. MY CORRECT AGE IS XXXX  YEARS ( XXXX HAS THE CORRECT REPORTING ). CONTACTED XXXX XXXX AND THEY STATED THAT THEY GET THE ACCURATE INFO FROM TRANSUNION AND THERE IS NOTHING THAT CAN BE DONE BY THEM, I MUST DISPUTE THE INFO FROM THEM SINCE IT IS THERE REPORT. I CONTACTED TRANSUNION AND THEY STATED AND CONFIRMED WHAT I WAS STATING AS CORRECT CREDIT AGE. THEY STATED THAT WHAT THEY ARE SAYING WOULD BE REFLECTED ON THE HARD COPY OF THE REPORT. WHEN THE 3RD PARTY COMPANY GETS THE INFO IT IS DEPENDENT THAT IS CORRECT FOR INFO TO BE REPORTED CORRECTLY. XXXX XXXX STATES THEY HAVE CORRECT INFO, TRANSUNION STATES THE CORRECT INFO AND APP IS WRONG. EACH IS PASSING IT OFF ON EACH OTHER. THERE MUST BE ACTION TO ENSURE THESE CREDIT MONITORING APPS ARE DOING CORRECT ACTION. I WANT MY INFO CORRECTED ON XXXX XXXX AND ALL APP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit with a Agency and XXXX XXXX is not providing the accurate scores and correct information from Transunion, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow withTransunion XXXX, XXXX XXXX and XXXX XXXX. XXXX displays Transunion XXXX and XXXX XXXX it does n't display XXXX. XXXX XXXX is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with XXXX XXXX. I am providing my XXXX XXXX information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX XXXX XXXX credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as XXXX XXXX states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.
Product: Credit card

On multiple occasions, Cash App has deactivated/ disabled features on my account. Just today aXXXX XXXX XXXX on XX/XX/year>, they have disabled the feature in order to get direct deposit. So now I can not receive paychecks from my job. I do have a sponsored account, but every week they are asking me to verify my identity.
Product: Credit card or prepaid card

A charge for items purchased from XXXX and delivered to a XXXX location not my address for {$2800.00} has been in dispute since the charge was shown on XX/XX/2022. 
I got a letter from Bank of America stating that all was good and that they gave me credit. 
Then months later they put the charge back on my account without explanation. I spoke to numerous people and even got them to send me documents that showed the top of a fake signature where only the very top of 2 letters were showing. The letter stated that the merchandise should be held at the XXXX location. It was also purchased through a gift card which was bought using my credit card. Please see if you can talk sense to the employees in the fraud department at Bank Of America!! Thanks.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express serious concerns regarding the handling of my private information by XXXX, Equifax, and XXXX, in violation to the Fair Credit Reporting Act ( FCRA ). 

Under 15 USC 1681, it is mandated that consumer reporting agencies exercise their responsibilities with fairness and respect for consumers ' privacy. However, neither the financial institution ( as furnisher information ) nor the reporting agencies have obtained my written consent to furnish this information. 

Moreover, I was not informed of my right to exercise the nondisclosure option as required by 15 USC 6802 ( b ) ( c ). The reported adverse item on my account is a direct violation of 15 USC 1681C ( a ) ( 5 ). 

XXXX, Equifax, and XXXX are also failing to adhere to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) by furnishing inaccurate information and not maintaining reasonable procedures, as outlined in 15 U.S. Code 1681e.

Per 12 CFR 1016.7, I am formally opting out of your reporting services.

I request prompt resolution of these issues to comply with the FCRA. Failure to address these concerns may lead to legal action. 

Thank you for your swift attention.
Product: Credit card

I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.
Product: Credit card or prepaid card

This letter is in response to your recent claim, which Bank of America claim I have a charged off account with them.By not replying in a timely manner to my initial letters, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. I 've made attempts to contact them by mail be all I got was returned mail I only mailed them at the address listed on my credit file. XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Mortgage

PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. The Corporate Assignment of Mortgage being used to established ownership was robo-signed. 
XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now when I complain through CFPB now they saying its not me " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm extremely upset they are not taking action on my consumer report and I want this handled NOW!! I PROVIDED EVERYTHING THEY NEED AND THEY STILL NOT TAKING ACTION IN REGARDS OF MY DISPUTE. I WANT THIS HANDLED NOW BECAUSE ITS INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt or credit management

I contacted midland credit to see about a settlement. They said my account has been turned over to a law firm. To contact them. I did. The law firm says they dont have an account with my name. So I cant get a settlement or pay anything.
Product: Checking or savings account

On XXXX XXXX, I got an email and message said there maybe a fraud on my debit card. I checked my account and saw two transactions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I immediately locked my card and went to the bank to report the fraud. Just about 30 minutes later, I reported these two transactions and the Bank Teller told me that maybe someone added my card to their digital wallet or something. I have asked them to remove all the digital wallet and I will add my card to my applepay myself. These two transactions are happened in two different states, but I was just in XXXX XXXX XXXX XXXX XXXX XXXX, the Chase send me a statement saying that these two transactions are authorized and I can not claim them again. They will still credit the amount of XXXXXXXX XXXX. I can not understand why the result is like this. I just reported immediately after I get the message. Why someone can just purchase with my card and Chase still recognize that these transactions are done by me. I am just an international student and I did not tell my information to anybody. I have called Chase after I received the statement but they told me that they can not investigate again. The reason they think these two transactions are authorized is that there was no password changed and no other digital wallet is added. But on XXXX XXXX XXXX, I asked to bank teller to check the digital wallet, the bank teller told me that they have removed one other digital wallet and a XXXXXXXX XXXX I have never used XXXX XXXX XXXX I did not even have XXXX XXXX XXXX XXXX  I just lost the money.
Product: Money transfer, virtual currency, or money service

This is what happened with me. 

- Posted an advertisement to sell my car as I am leaving country on XX/XX/2019 and found a tentative buyer ( Scammer ) who says he works for XXXX XXXX XXXX in XXXX, XXXX and is being transferred to XXXX, Ohio, US and would like to purchase my car as soon as he arrives. Also provided XXXX XXXX XXXX ID. 
- Promised me to send a check of {$1000.00} as deposit via his company as part of his relocation, so I dont sell the car to anyone. 
- Sent me a check of {$4000.00} instead of {$1000.00} and claims there was a communication error with this company and they have sent all the relocation amount to me and asked me to refund back the overage of {$3000.00} so he can book his flight tickets to US. 
- First I made sure I deposited the check on XXXX XXXX and funds were shown available on XX/XX/XXXX in my account which is when I initiated the process of refunding the overage amount of {$3000.00} through XXXX services of bank. 
- {$3000.00} sent to scammer and now I see the {$4000.00} check is being returned, which puts me at a loss of {$3000.00}. 

My concern is, as a general public who do not know the in-depth of banking process when I see the amount available in the bank it confirms me that the check has been cleared. 
Only then I felt that the check was cleared and I initiated the transfer of refund to scammer. After 2-3 days now I see the check is returned. I am sad because when something like this happens my bank did not communicate with me immediately via. email or phone when they realized the check has returned. If any immediate alert was given to me I might have been able to save atleast some money. 

Currently I have filed a police report and placed a dispute with my bank. There is a very thin hope that I might get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent FTC Affidavit and police reports certified documentation via USPS to Experian regarding this address that is showing on my credit report along with 5 accounts that do not belong to me that is showing on my credit report because the accounts is registered under this account that I have never resided at. The address that does not belong to me is : XXXX XX/XX/XXXXXXXX XXXX, XXXX, ohio XXXX. I have reached out to the third party company XXXX XXXX in XX/XX/2020 that Experian use to verify addresses some time ago last year to let them know that address does not belong to me and I have attached the response from XXXX XXXX. That address was deleted from my files because it does not belong to me like I stated to Experian last year. Experian refuse to delete the erroneous address along with a 5 accounts that is registered under this address. This has damaged my credit tremendously! I take pride in my credit! Having incorrect addresses on consumer credit reports can cause fraud and identity theft meaning mail in my name is going to that address and it should not so now my personal information is compromised. The accounts on my credit that do not belong to me is : XXXX XXXX,XX/XX/XXXX All those accounts have the address of XXXX XX/XX/XXXX XXXX XXXX, XXXX, ohio XXXX. Remove this erroneous address and the accounts that follow this address from my Experian credit report NOW! I have attached the response from XXXX XXXX. Do not send me a pre-generated letter stating Experian verified because that will be false and a lie! I will be forced to seek legal action to sue Experian if this is not resolved. THE DOCUMENT THAT IS ATTACHED CLEARLY SAYS THAT ADDRESS WAS DELETED ALONG WITH OTHER ADDRESSES FROM MY FILES SO PLEASE DO NOT TRY AND SAY IT IS VERIFIED THE DOCUMENTATION IS ALL THE PROOF NEEDED AND I WILL BE SENDING THIS COMPLAINT AND MY DOCUMENTATION TO MY ATTORNEY.
Product: Credit card or prepaid card

I had filed a similar complaint ( XXXX ) a while back. The situation improved A LOT but I still got a credit card offer yesterday. The basic facts of the situation are more or less as described in the previous complain. I am unable to use the toll-free number indicated in the PRESCREEN &  OPT OUT NOTICE. This is because the credit offer I received has my name reversed ( e.g. XXXX XXXX instead of XXXX XXXX ) and I am worried that if I supply SSN, date of birth and the wrong name ( so as to match their database ) I might be committing perjury. If OTOH I report my name correctly, then maybe my record won't match in their database and they won't remove me. 
The last credit card offer I received was from some company " XXXX XXXX '' XXXX XXXX XXXX, XXXX DE XXXX. 
Please, I want all possible permutations of my name and surname permanently removed from receiving credit card offers, insurance offers or any other similar marketing material from this company or any other similar company. If I can't do it permanently then please for as long as possible.