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

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Deletion of Unverified Items from Credit Report Dear TransUnion, I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous multiple written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after my multiple written requests is also evidence of your willful disregard of Federal Law. 

This will be my last and final warning. TransUnion has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the National Consumer Assistance Plan ( NCAP ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, TransUnion allows collection purposes only under specific conditions : Court Order : You must have a court order authorizing a consumer reporting agency to provide a consumer report. 
Consumer Authorization : Alternatively, you need written authorization from the debtor to obtain a consumer report.

Credit Transaction : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. 
Given that TransUnion has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : Account Name : DEPT OF JUSTICE Child Support Account Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with TransUnion. If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies with the American Arbitration Association to enforce my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

i am a victim of data breach and identity theft please block and delete these unauthorized accounts with unauthorized charges as well frca usc 1681c-2
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE FOR INREGARDS TO A FRAUDULENT ACCOUNT BEING FURNISHED TO MY PROFILE. I'VE CONTACTED THE CREDIT REPORTING AGENCIES IN REGARDS TO XXXX XXXX ACCOUNT THAT I HAVE NO AFFILIATION AND NO KNOWLEDGE OF STILL SHOWING ON MY CREDIT REPORT, IN TWO RECENT CORRESPONDENCES I REQUESTED THE ACCOUNT BE VERIFIED AND THE ACCOUNT IS UNVERIFIED. 

THIS ACCOUNT NEEDS TO BE REMOVED. FURNISHING AN ACCOUNT IN DIRECT RESULT OF IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT THAT IS NOT MINE, IVE CALLED & DISPUTED IT TO BE REMOVED. THEY REFUSED THE XXXX ACCOUNT WAS TERMINATED IN LEGIMATION AND THE CREDIT BUREAUS REFUSE TO REMOVED ACCEPTANCE NOW - XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

THIS IS MY FINAL ATTEMPT TO SETTLE THIS WITH WELLS FARGO VIA CFPB. 

Regarding complaint # XXXX on XX/XX/2022 & Regarding complaint # XXXX on XX/XX/2022. 

I submitted an affidavit which I will re-attach and showed proof of my consumer rights being violated in the transaction, XXXX XXXX  from WELLS FARGO responds back with a contract was signed which was on my 1st exhibit. We are all aware agreement was signed. HOWEVER That does not give WELLS FARGO, OR XXXX  XXXX, XXXX ANY REASON TO DISOBEY THE LAW & VIOLATE MY CONSUMER RGIHTS I'VE STILL HAVE NOT GOTTEN ANY RESPONSE regarding : EXHIBIT XXXX : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are Violation of 12 CFR 1026.4 & 15 USC Section 1605 ( DETERMINATION OF FINANCE CHARGE MY FINANCE CHARGE WAS SUPPOSE TO BE THE SUM OF ALL CHARGES WHICH WAS NOT THE CASE. ( fees, service fees, loan fees, insurance premiums was suppose to apart of my finance charge and it was not ) EXHIBIT 7 - why I NEVER FULLY my material account opening disclosure in accordance to 15 USC 1602v & which is a violation EXHIBIT 9 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of REG V & FCRA - Fair Credit Reporting Actin reference to exhibit 5 - I was never offered the choose to opt out of sharing or reporting of my private information as the consumer as the right to privacy EXHIBIT 10 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of - XXXX5 U.S. Code 1662 - Advertising of down payments and installments. {$5000.00} of a downpayment was taken as XXXX XXXX of XXXX XXXX Wells Fargo said they needed skin in the game which is a violation EXHBIT 13 : XXXX  will be exercising their rights according to REG Z, & 1026.23 Right to Recession & Title 15 U.S. Code 1635 ( a ) & Title 15 U.S. Code 1635 ( f ) NONE OF THESE WERE ADDRESSED BECAUSE IT WAS ALL VIOLATED BY XXXX  XXXX XXXX XXXX  XXXX XXXX WELLS FARGO ALSO I AS THE CONSUMER HAVE THE RIGHT TO RESCIND A TRANSACTION BEING WELLS FARGO VIOLATED MY CONSUMER RIGHTS UNDER REGULATION Z, 1026.23 Right to Recession & 15 U.SC 1635, IVE NEVER WAIVED MY RIGHT TO RESCIND NOR WERE 2 COPIES OF MY RIGHT TO RESCIND EVER SENT TO ME. 

I'VE RE ATTACHED MY INVOICE FOR WELLS FARGO TO PAY FOR VIOLATING MY CONSUMER RIGHTS WELLS FARGO NEEDS TO RESPOND AND PAY INVOICE ACCORDINGLY
Product: Debt collection

All XXXX credit bureaus have refused to remove false debts off my report I have sent over XXXX letters explaining why and which XXXX on XXXX ally XXXX is reporting I owe thousands of dollars for a car that was a total loss and paid off in full by my insurance company and I almost had gap and all I got was back and fourth fingers pointed. Also XXXX XXXX is false reporting that want get removed off my report
Product: Checking or savings account

I am a victim of imposter scam. A XXXX based dating app scammed my out of {$25000.00} USD. The bank recalled {$5000.00} but would not recall the other {$20000.00}. What can be done about this? 
Plus a company called XXXX  said if I paid them {$3000.00} then they can help me recover these funds. Can you tell me if this company is legitimate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has accounts on my credit report that are not mine/inaccurate/false/fraud. XXXX-collections account was removed/deleted from XXXX  on XX/XX/2019. XXXX-collections account was removed/deleted from XXXX on XX/XX/2019 XXXX-collections account was removed/deleted from my XXXX  credit report on XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not take any action regarding the incorrect and fraudulent information on my credit report. Experian within minutes in most cases sent me an automated email saying your investigation is complete. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Experian should be held accountable. 
Their inaction is making my life unfairly difficult. 

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I have sent correspondences to Capital One but they refuse to answer my questions regarding the names account. I have been discriminated against by Capital one. Capital one closed my account without my permission. Capital one furnishes this alleged debt without my permission.
Product: Credit reporting or other personal consumer reports

*To update status to all credit reporting * delayed processing XXXXXXXX XXXX experian, XXXX
Product: Mortgage

In XXXX XXXX I completed a VA compromise sale on a property that I owed {$130000.00} on. The mortgage lender, PennyMac, received proceeds in the amount of {$61000.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the VA wired funds in the amount of {$34000.00} to Penny Mac on my behalf per the VA guarantee on my loan. XX/XX/XXXX, I received a XXXX from Penny Mac in the amount of {$72000.00}. After contacting PennyMac on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was told on XXXX/XXXX/XXXX that PennyMac would not count the VA funds paid on my behalf in credit to the amount of debt they forgave. They state that I owed them {$72000.00} so that is what is reflected on the XXXX. Despite the VA paying funds on my behalf, they are unwilling to revise my XXXX. The amount of the XXXX will be counted as income when I file my taxes and I feel that the XXXX should reflect the amount of debt actually forgiven by PennyMac. They received an additional amount of money on my behalf that I will have to now pay taxes on and my VA benefit eligibility is suspended until I can pay that money back to the VA. The XXXX does not reflect the true loss to the company.
Product: Checking or savings account

I am filing a complaint against sofi bank they froze my account and i am not able to use it for XXXX weeks
Product: Credit reporting or other personal consumer reports

I was looking over my TransUnion credit report and noticed that my birthday is not being displayed in the file which concerns because this report is incomplete and yet it is affecting my credit score and my well being in violation of my rights under FRCA section 623 ( a ) ( 1 ) and 15 USC 1681.
Product: Credit card or prepaid card

In XXXX of 2019 my wife 's car was broken into and her purse was stolen. We immediately alerted all credit card companies of the situation and she was sent new credit cards. A homeless couple was found in possession of some of my wife 's stuff and was prosecuted. I can provide you with information on this case if needed. 
Unfortunately - on XX/XX/2019 someone started using my Barclay 's Visa card ( which my wife and I share jointly ) and racked up {$3600.00} in charges from XX/XX/2019 to XX/XX/2019. Charges vary from Bus passes, food purchases, to items purchased at XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, etc ... On XX/XX/2019 they even purchased a {$30.00} calling card from XXXX XXXX so an inmate could make calls from prison. Why would I buy an inmate a calling card? My wife and I rarely use this Barclay 's Visa card as it is only used for emergencies. We did not make these charges and alerted Barclay 's Visa as soon as we learned that these charges had been made. We filed Police reports with both the XXXX Police department and the XXXX County Sheriffs Offices as these fraudulent charges were made in both Oregon and Washington State. Barclay 's Visa originally credited our account when we first reported this fraud to them but later ( XX/XX/2019 ) put them all back on our account saying that because I still had both credit cards in my possession that I was responsible. ( These charges were made under my original Barclay 's Visa Card and also the new Barclay 's Visa card that was issued to me when my wife 's purse was stolen ). We have called Barclay 's Visa numerous times to dispute these charges but they refuse to help with this matter. They know this is fraud and refuse to help. They even refused to give me the times when these purchases were made so that the police can look at video to see who is actually making these purchases. I need help with this as Barclay 's Visa is refusing to assist in anyway. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending myh CFPB complaint today and This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I sent a XXXX payment to my Chase account and my account was closed by Chase and I have not been able to get my money bsck
Product: Checking or savings account

On XX/XX/23 I went to bank ATM Terminal # XXXX For BECU At XXXX. Address Is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I deposited {$800.00} into my checking account. The ATM spit back out {$200.00} but kept {$400.00}, and the {$400.00} was not deposited into my account. The ATM went into a service mode where it had options like " XXXX last XXXX transactions '' " XXXX '' " XXXX XXXX '', but no button was present for deposit anymore. I took my card out, and put it back in, and it stayed in the service mode. I checked my account balance but the {$400.00} was not deposited into it. I called BECU immediately and reported it to someone. He then told me to wait until the money at the ATM was counted for the night, and it should deposit into my account after he puts in the request saying I'm missing {$400.00}. I waited until the next day and called again and spoke to a woman at BECU that told me she can't see if the ATM was over {$400.00} for the night. And that my request was submitted the night before, and I should keep waiting. She also let me know that I should wait until Friday for the funds to be deposited, but still have not seen anything, and feel like I got robbed by my own bank.
Product: Vehicle loan or lease

Vehicle Loan with Santander Consumer was removed from credit report on XX/XX/XXXX after being repossessed and sold. The company had a lawsuit in which my loan qualified for removal in Florida for high interest rates above 26percent. After removal in XXXX of XXXX the loan reappeared on my credit report as a charge off and owing {$9200.00}. I have attempted to communicate with Santander on XX/XX/XXXX and XX/XX/XXXX about the lawsuit and about a payoff which was offered of XXXX dollars. The companies representative advised that the payoff was no longer an option and I would have to pay the entire XXXX in which the loan balance for the account is only XXXX XXXX, the representative advised that after repossession they have added additional interest fees and charges.
Product: Debt collection

I NEVER GAVE THIS PERSON MY SOCIAL SECURITY NUMBER AND NEVER SEEN OR HAVE EVER MET THIS PERSON THIS HAS BEEN ON MY CREDIT REPORT FOR 4 YEARS NOW. I did back XXXX at XXXX XXXX XXXX back in XXXX and have never seen this doctor he or she, I know nothing about this person as they were not the doctor with whom I did my back XXXX with, and my back XXXX was from a no-fault car accident. 

I did credit check and found out that I have a report on my credit that should not be on my credit from XXXX XXXX XXXX, Original creditor : XXXX XXXXXXXX XXXX XXXX. {$2500.00} Balance updated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I do not know this person or agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXXXXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit card or prepaid card

On XX/XX/2018 I was directed to a XXXX XXXX XXXX Application from XXXX XXXX. It sent me to the application page and as i started filling out the information it asked me to verify my email. When i received the verification email i discovered that there was a technical issue in their system because it was recognizing me from when i applied several years ago. I immediately called their customer support line which is really only an application support line and notified them about the problem. The girl kept telling me that i was denied and that nothing has changed in their decision. I kept trying to explain that i had NOT even completed the application and could not understand their logic. She just kept repeating herself that everything on their end is fine and that they can't extend me credit. I kept asking for someone else or a supervisor because i could not understand how i could be denied for something i haven't even applied for yet. I considered this to be discriminatory and nature and just ridiculous. I decided to try to continue the application on my own but because of my old account i had to put a different phone number. So i put my secondary phone number and completed the application. I was told that it was denied because they were unable to verify my information. I sent in copies of my social security card and driver 's license and now i come to find out that i have been " permanently restricted '' because i made a typo on my social security by 1 digit. I stated that they have proof of what my social security is and that they should just be able to merge the profiles, delete one of them or just fix the issue. They stated that they won't do anything about it and that i can never get a card with them. Honestly i just feel like they were discriminatory from the beginning and their objective was to deny me for the card before i even applied.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violations.
Product: Debt or credit management

Hi XXXX, this is XXXX from Leap. Your account is behind, let 's discuss it and find a solution. Can we schedule a quick call? - XXXX XXXX ( XXXX ) XXXX For the past XXXX weeks, I have been requesting the necessary and relevant documentation regarding the alleged debt, dating back to its inception. Additionally, I have asked for a mailing address from the party in question, all of which have been met with refusal. 

Furthermore, I have persistently sought to engage with a supervisor for a period of XXXX weeks, yet my requests to speak with one have been consistently denied.
Product: Money transfer, virtual currency, or money service

For the last month I have had issues getting the money from my account and the only answer I could get from them was their internal security system detected unusual activities on my account. The could never tell me what activities this included and it couldnt be overrode. Now this week after a XXXX transfer to my axcount they shut my account down completely and are telling me I have to wait 6 months to be able to get my money out. Because of this i have not been able to eat, and get my XXXX  related medicine, and other things.
Product: Credit card or prepaid card

I opened an Uber Visa Card with Barclays bank in XX/XX/XXXX. I chose this card for its cash-back rewards. As of XX/XX/XXXX, I have accumulated a cash-back value of {$710.00}. 
In XX/XX/XXXX, the Uber card changed the cash-back into " Uber cash '' which can only be used through Uber applications. I had received some emails about the change but did not realize that my rewards would no longer be available to me as real dollars. The emails emphasized the so-called advantages of the new Uber card and downplayed the fact that it would no longer give real cash-back. 
I contacted Barclays bank on XX/XX/XXXX who refused to give me real dollars for my rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my Experian, XXXX, and XXXX credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my Experian, XXXX, and XXXX credit reports immediately.