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

XXXX and XXXX Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. It is my understanding that you may have failed to comply with the necessary standards of due diligence, thus violating the regulations in place to protect consumers. Specifically, I believe this failure may have been due to negligence in your agency 's procedures for verifying the accuracy of my data.

As such, I am requesting that you take immediate action to investigate this matter and correct the inaccuracies within 30 days of receipt of this letter, as required by 15 U.S.C. 1681i. Additionally, should your investigation reveal that this issue stems from negligence or non-compliance with the relevant FCRA requirements, I will be seeking appropriate civil remedies for any harm caused, including but not limited to damages and any legal fees incurred due to your failure to comply with your obligations under the FCRA. 

Please provide me with written confirmation of the results of your investigation and any actions you have taken to correct the dispute. If you are unable to verify the information or correct the inaccuracies, I request that you remove this information from my credit report immediately.
Product: Debt collection

In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.
Product: Credit reporting or other personal consumer reports

I recently disputed negative items on my credit report and didn't get a response back
Product: Credit card or prepaid card

I had 2 separate charges on my credit card from XXXX for {$19.00}. I initially called XXXX to resolve this issue with them, but was told that they could not credit my card back for these erroneous charges, that I would have to dispute the charges with my bank and then they would credit back my card. I was told by XXXX that the account would be closed therefore no further charges could be made and that the account was not in my name. Additionally, they do not require a zip code, nor the CVV code to open the account. How irresponsible is that and my credit card company will not back me up on this either. Please see the attached correspondence to which I responded promptly each time I received a letter from B of A. They are telling me that I opened this account myself, which is a total fabrication. 

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

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit card or prepaid card

On XX/XX/, 2023, I contacted the business concerning automatic payments. I was instructed on setting up said payments online for payments due on the XXXX of each month beginning on XX/XX/XXXX. The representative informed me that she needed take a manual payment for the month of XXXX. 

On XX/XX/, 2023, I noticed two payments had been debited from my account in the amount of {$210.00}. I attempted to resolve this matter with the business via telephone on five ( 5 ) separate occasions : XX/XX//2023 ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023. Each time the business states it will refund for the unauthorized debit. 

To date, I still do not have a refund. The business has also taken scheduled payments rather than attempting to resolve this matter amicably. 

Further, I was fined fees from my bank as a result of this circumstance.
Product: Vehicle loan or lease

This Auto loan was issue with my similar personal information after investigating with Santander Consumer they were able to verify this account was not mind and deleted item from my credit report.
Product: Credit reporting or other personal consumer reports

My information such as my social security number and address and other personal information was breached in XX/XX/2023 twice by two different companies. I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because Equifax, XXXX and XXXX, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization and or written content. According to 15 U.S.C. 1681b ( 2 ) this is illegal. I would like to have all negative items removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

i attempted to purchase XXXX  using my venmo balance for USD XXXX on XX/XX/year>. 

venmo systems report this transaction as complete, and venmo displays the correct XXXX  balance in my account. 

venmo will not allow me to transfer the XXXX  to my private wallet. 
venmo will not give me access to my private key for the XXXX. 

venmo states that they will only release these funds if i provide tax information. they claim that they do not allow XXXX  transactions without tax information. 

i ask them, why did my transaction allowed to complete without the proper tax information? 

i do not wish to provide tax verification because this is not a taxable transaction. 

i request venmo to make me whole for these inaccessible funds. i have not been given access to the bitcoin, because i can not move it between wallets or use the XXXX  in any way. 

their service tells me i have the XXXX, but i am not allowed to use it. therefore venmo has failed to deliver the purchased item. and VENMO 's repeated failure to recognize or acknowledge this fact is effectively theft of my purchase. 

i have raised this issue through the normal channels, and escalated the issue to a supervisor for Venmo support. the supervisor closed my issue without a relevant comment.
Product: Money transfer, virtual currency, or money service

I have concerns about XXXX XXXX  ownership in cold storage and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes. 
I can not withdrawal funds owned by me.
Product: Checking or savings account

opened checking account with US bank with a {$500.00} bonus. I spoke to them on the phone after opening account to check wha ti had to do and they explained it to me. After completing the requirements they then told me i didnt origionally quallify for it.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : The payment was marked as late, but I did not receive the periodic statement at least XXXX  days before the payment due date. 
Late Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( XXXX ), specifically 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 unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 
Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than XXXX  days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Product: Checking or savings account

I telephoned Navy Federal regarding withdrawing funds from my account without my authorization. There were two occasions in which this occurred. The first occurrence they withdrew XXXX XXXX from my account and transferred it to my car payment. My car payment is {$1500.00} per month. At the time I asked the customer service rep why they would withdraw a partial payment from my account? He explained to me that it was a SYSTEM generated withdrawal. I explained to the agent that it makes not sense to withdraw a partial payment from my account because this caused my insurance payment to returned leaving the vehicle uninsured. The agent agreed to return the funds to my account. The funds posted within minutes. I also advised the agent they they are no longer authorized to withdraw funds from my account without my permission. The second time occurred XX/XX/XXXX, they withdrew {$1300.00} from my account again causing my insurance payment of {$700.00} to return. My car insurance will cancel because of this. I phoned them on XX/XX/XXXX and advise that I didn't not authorize them to withdraw funds from my account until on or after XX/XX/XXXX. The agent informed me that the agent a spoke to should have told me that the funds could be withdrawn early because it was scheduled for a Monday. I advised the agent to return th funds so my insurance company could be paid and I will allow them to with draw the funds on Tuesday instead.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Vehicle loan or lease

I made a principal overpayment that posted to Toyota Financial Services on XX/XX/XXXX ( verified on their website ) ... .Since that time my account is still showing I owe {$100.00} for a XX/XX/2022 Payment. It still shows I have a balance due on my loan. My first call to them to discuss this matter was XX/XX/XXXX. I've called them and messaged their online numerous times and was told it would be fixed in 3 days it wasn't I contacted them again they said it would be posted on my account by the end of the day on XX/XX/XXXX. Once again it wasn't posted so I messaged them in their system again and that I last contacted them on XX/XX/XXXX... which was false... .today is now more than 7 business days from first contact and they haven't fixed the issue.
Product: Mortgage

I applied with XXXX XXXX XX/XX/2020 on line. I talked with XXXX XXXX and submitted required documents after they ran my credit file. I had a pre existing approval months before and informed her about this and after she demanded I provided her with a new application and documents. She refused to continue the loan process and would not give reason for doing so.

I attempted to reach out the CEO XXXX XXXX who ignored my calls and emails. They encouraged staff not to interact with me and as of today have not provided anything in writing for there reason for refusing to do a loan.
Product: Debt collection

I used PayPal Credit to make a purchase and had months to pay off the account to not accumulate any fees. XX/XX/24 I paid the entire balance in the account. PayPal or their partner Synchrony bank went and added Late fee on the account for {$41.00} along with {$2.00} interest fee added to the late fee. I called PayPal today to remove the late fee and interest fee and bring my account updated to XXXX.They said I paid off the account a day late and would not remove these fees. I am trying to resolve this now because they will keep adding late fees on top of their late fee and more interest too FURTHER grow this amount. 
Please help me.
Product: Payday loan, title loan, or personal loan

I'm following up on complaint number XXXX submitted on XX/XX/2019, regarding a car title held by Citibank NA. The title had been incorrectly sent to them by a car dealership, even though the car was paid full in cash. 

Citibank NA sent me a letter by urgent mail stating that they had no interest in the vehicle and authorizing to release the car title. However, my car dealership checked with the California DMV and the latter stated that this isn't enough evidence to issue a new car title under my name. I urgently request Citibank NA to submit an electronic release to the DMV, per the instructions copied below from the California 's DMV website. 

My title should be sent to : XXXX XXXX XXXX , XXXX  XXXX ( XXXX  ), XXXX XXXX, XXXX, California. 

-- -- From website : XXXX XXXX XXXX XXXX XXXX Legal owners that participate in DMVs ELT program will have an electronic record. When you make the final payment on your loan, the legal owner submits an electronic release to DMV. Make sure your mailing address on DMVs record and your legal owners record is current before making the final payment. When the electronic release is received, DMV will issue a new Certificate of Title and registration card showing the registered owner as the sole owner. ''
Product: Credit card

My personal credit card account ending XXXX was lost and reported to both Bank of America and the credit bureau XX/XX/year>. Bank of America mishandled the account resolution and the concern presented to them, also charged additional fees and interest to my credit card account after the card was reported lost and closed. I did not have my card in my possession and also was not able to verify by phone with Bank of America or even access my accounts through the mobile application because my accounts and cellular device were both compromised. Bank of America then falsely updated the credit bureau with a new date closed as XX/XX/year> which is incorrect information because I have copies of the original credit bureau report showing the date I requested the card closure as XX/XX/year>. Bank of America caused additional fees and interest in the excess of {$350.00} to the account. I also had to pay the XXXX XXXX XXXX XXXXXXXX XXXX as well because the manager was cyberstalking me through my cellular device stating the funds were hers, these funds needed to be applied to my always timely paid credit card account. Additonally Bank of America associates altered the phone number on file to disallow me from being verified and my paper statements were also not being sent to me for thw above mentioned account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Immediate Removal of Inaccurate Bankruptcy from My Credit Report Reference number : XXXX Record type : XXXX XXXX XXXXXXXX Court : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate removal of an inaccurate bankruptcy reporting on my credit file under the provisions of federal law. This erroneous information has caused significant harm to my financial standing and is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

As per 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a credit report without a permissible purpose. This includes ensuring all information provided is accurate and verifiable. The reporting of this bankruptcy does not meet these standards. 

Under 15 U.S.C. 1681q, knowingly and willfully reporting false or inaccurate information is unlawful. Your failure to verify the accuracy of this bankruptcy entry demonstrates either gross negligence or intentional misconduct, both of which violate this statute. 

Furthermore, 18 U.S.C. 1028A provides for severe penalties for identity theft and fraudulent use of personal information. If this bankruptcy resulted from fraud or misrepresentation, your failure to investigate and correct this entry implicates you in enabling such violations. 

Lastly, 15 U.S.C. 1681c-2 gives me the right to block information on my credit report resulting from identity theft or fraud. I demand you immediately investigate this inaccurate bankruptcy and remove it without delay. 

I expect a prompt investigation and written confirmation of the removal of this inaccurate information within the next XXXX days, as mandated by law. Failing to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This letter serves as formal notice that I will pursue legal action to protect my rights if necessary. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Enclosures : Copy of Government-Issued ID utility bill for Address verification Letter from the United States XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from Southwest Airlines about a promotion regarding their Chase credit card. They stated that I would get XXXX points if I were to spend {$1000.00} within the 1st 3 months of opening the card. The offer expired on XX/XX/2023. On XX/XX/2023, I proceeded to apply for the card and was approved. I received XXXX points. On XX/XX/2023, I called Chase customer service regarding the rest of my points. I had already spent well over {$1000.00} on flights. They stated that I was supposed to apply for another Rapid Rewards card and the one that I applied for doesn't qualify. I told the agent that that is not what my email showed. I told them the whole point of applying for the card is to get the XXXX points. They stated that they could not give me my points. I asked the supervisor if I could send him the email that I received. He stated that there was no way for him to forward my email to anyone. I kept my end of the bargain. I just want my XXXX points as they advertised. I am forwarding you the email that I received.
Product: Student loan

I have a joint spousal consolidation loan. A law was passed two years ago allowing separation of these loans. The application to do so is not yet available. However we are allowed to place these loans in an administrative forbearance until the application to do so is made available. The XXXX is for one year and is supposed to automatically renew per Department of Education guidelines. My XXXX recently expired and Mohela will not renew it as they are required to do. They say they have to receive instructions from Federal Student Aid to do so but that is not the case.
Product: Credit reporting or other personal consumer reports

Equifax, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires & unknown account that are reporting on my credit report. Please remove all and delete. 
XXXX XXXX INQURIY DATE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX-DELETE NAMES : XXXX XXXX I DO NOT GO BY - DELETE
Product: Debt collection

On XX/XX/XXXX I contacted Americollect via Certified Mail about validating a debt that is on my credit report in the amount of XXXX $ opened on XXXX XXXX, XXXX. I have asked the company to please send me verification of this debt and they have failed to do so. I feel as if the company can not verify that it is my actual debt and I am asking that it be removed from all 3 Credit Bureaus, or for the company to send me proper verification as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS IS REPORTING A FRAUD ACCOUNT FROM XXXX  XXXX XXXX THAT IS 5 YEARS OLD. ACCOUNT IS REPORTING INACCURATE INFORMATION. 

XXXX  XXXX XXXX
Product: Mortgage

After losing my job in early 2010 to the downturn in the XXXX  industry. It took me years to find good work and I did all I could do to take care of my family. Today we have fixed are problems my wife get her SSI and contribute that to the household and the only way I could get a good income was to start my own company. After a few years of startup expenses. I now have stable income to pay for my family Home and bills. We are asking for a modification payment with tax and ins we can afford that will let us keep are family home I know Rushmore did offer to put us in a repayment plan that we can not afford XXXX down and {$2300.00} a month for 12 months just to catch up and still not have a modification they say will deal with that then.
Product: Vehicle loan or lease

I took out a loan with One Main Financial over 3 years ago. The initial loan was supposed to be for a mini-van ; however, they swindled me into financing against an existing vehicle that I had already - a XXXX XXXX. The terms of this loan were not well explained. Since paying on the loan I have paid a total of {$11000.00} with only {$2400.00} going to principle. Each time they are offering loan modifications that are not well explained and its very confusing. I have offered to settle this as the vehicle is not remotely close to what I owe on the balance. I offered a settlement of {$6200.00} back in XXXX which they declined and countered at {$7400.00} after I very honestly told them I was giving them every ounce of money I had -- now they are unwilling to negotiate with me at all. This is predatory lending and is not fair AT ALL. I have tried to work with them and settle the astronomical amount they say I owe, but they just wont work with me. I was astounded after I went through and looked and what I have paid towards the principle balance after 3 years.