23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Placed TWO Hard Inquires on my credit report from poor explanation by one of their call enter staff members. So far Capital one has Removed ( 1 out of 2 ) of the hard inquires from my credit report. 
Attached is their letter proving so! 
I need BOTH to be removed PLEASE : On XX/XX/2018, I called Capital One to apply for a SECURED credit card. I spoke with a Capital One representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. 
Around XX/XX/2018, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO Capital One HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THESE INQURIES TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY CAPITAL ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Product: Consumer Loan

My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, XXXX, XXXX, AND EXPERIAN MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 

REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( XXXX XXXX  ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED UPDATES AFTER XXXX  CHARGED OFF STATUS IGNORED.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!! 

Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United Auto Credit Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United Auto Credit Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities.

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

Sincerely, XXXX XXXX
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 the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address vulnerable and unprotected. Furthermore, their dispute 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: Credit card or prepaid card

i am writing for 2 reasons. one is i own XXXX XXXX XXXX XXXX XXXXXXXX XXXX in texas and we have been getting letters to a XXXX XXXX credit card letters no such person exists and it needs to be stopped. this is not my current mailing address please look into it. thank you second reason i write i got a letter about XXXX i disputed i cant tell what the status of it is by this letter or if it was credited not sure the account but it was from XXXX and i never got the merchandise told the merchant as well so i should not pay for it. please let me know the status. nd please credit sas it was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan is reporting late payments for XXXX and XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and a confidentiality program. My info is to be blocked. But I had a car show up on my credit report and I submitted my information to all the bureaus on XX/XX/XXXX. XXXX and XXXX took the XXXX account off my reports immediately by XXXX and XXXX XXXX did not. They refuse to send me any proof that this is mine and will not accept that this is not mine however the other XXXX bureaus removed it with no questions. 
I know that an attorney told me in the laws that if one removes it they notify each other to remove it. And i know that happens because when i filed with one company on another issue they sent the information to the other bureaus.
Product: Checking or savings account

My XXXX and I own a XXXX checking account which only had {$25.00} in it most of the time. On XXXX/XXXX/XXXX my XXXX unfortunately gave someone he knew his debit card to make a deposit so he could withdraw some money for himself ( approximately {$400.00} ). The person said to meet him at BOA the following day to make the withdrawal. The person then called BOA, identified himself as my son, and made XXXX separate claims of deposits that were allegedly made but not recorded at the ATM. Both claims were made within XXXX minutes of each other. The second claim was opened up using my debit card information which was never given to him. My son then went to the bank the next day and was asked to withdraw the cash and give it to this person and then take some out for himself as promised by this person. My son did not know that temporary funds were placed into his account. He believe the deposit to be real. 

BOA will not give me any details as to how this person was authorized to get the funds or how he was able to open up a second claim. I realize my XXXX was negligent in giving some of the information, however, there never should have been a second claim opened within XXXX minutes using my information. Something is wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear Experian and XXXX, It has been over 90 days since I made my initial dispute against the fraudulent late payments on a few accounts on my Experian credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete the late payments on this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented Equifax data breach. Attached are my consumer credit report and the necessary documentation from Equifax confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by Experian and TransUnion to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling disputes specially in light of the recent CFPB law suit that stated significant issues with zelle platform. I used it numerous times my finance institute and Zelle failed to inform me that recovering lost fund was impossible to recover and track them. The. CFPB finding indicated that Zelle has neglected to protect consumers and allowed repetitive offenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms XXXX On record until XX/XX/XXXX 2027
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

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

Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
Usaa savings bank settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX XXXX  XXXX  settlement accepted XX/XX/XXXX XXXX
Product: Bank account or service

Found an offer on XXXX to open a Capital One 360 account and receive {$400.00} after receiving two direct deposit of {$250.00} within XXXX days. Opened XXXX accounts, one for the wife and XXXX for myself. No where on the offer is it stated that this offer is targeted to specific individual. After going over with multiple CS, they keep saying that this was a targeted offer and only available to a select few. XXXX accounts have not seen a single penny of {$400.00} and only seems like a way to dupe us into opening and maintain new accounts since we have already switched our DD at work
Product: Checking or savings account

Hello this complaint is on Bank of America and XXXX XXXX. I sent a money transfer through XXXX XXXX and paid it with my Bank of America debit card. What happened was I misspelled the receivers last name, so when I tried to edit the receivers or transaction via XXXX XXXX  app it asked me to cancel transaction in order to make changes so I cancelled and was told I will receive a refund for {$2000.00}. I received the refund but when I changed the last name I sent it back for the 2nd time but I put the country as XXXX and thats where I sent it but I was told that transaction is in the XXXX XXXX so the receiver cant receive the funds so I had to cancel that transaction as well but I never received my refund for {$2000.00}. Ive made a claim on XX/XX/XXXX,2020 and when I call XXXX XXXX XXXXhey say the released the funds to my bank and when I call my bank they say they dont see any funds from XXXX XXXX. So the very next day XXXX XXXX pulls another {$2000.00} from my account and I called Bank of America and told them XXXX XXXX pulled {$2000.00} for no reason. Bank of America gives me {$2000.00} as a credit until the solve the issue with XXXX XXXX but they never resolved the problem with XXXX XXXX  and took the credit they gave me back. Now there is {$2000.00} that were never received in XXXX or XXXX but funds were taken from my account. Now my account is XXXX  and I refuse to pay it bc its not fair and I even showed Bank of America the dates of one transaction XXXX, XXXX and XX/XX/XXXX. I received one refund but the second refund I never received but yet an extra {$2000.00} was taken from my account. So basically I was legally robbed and XXXX XXXX  says they sent it and Bank of America says no. So now My account is negative and Im trying to get my money back Im not asking for anything except my money. Then XXXX XXXX from the app closed my account with them and now I cant see any of previous transaction. So I want to file this complaint against XXXX XXXX and Bank of America. How can you help?
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING AND INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Checking or savings account

Subject : Unauthorized Debit Card Transactions and Navy Federal Credit Union 's Denial of Fraud Claims I am writing to formally file a complaint regarding unauthorized debit card transactions that occurred on my account with Navy Federal Credit Union. Throughout this time period, my debit card was used without my authorization for multiple transactions, as detailed below : - On XX/XX/XXXX, my debit card was used for {$190.00} and {$140.00}, totaling {$330.00}. 
- On XX/XX/XXXX, my debit card was used for {$150.00}. 
- On XX/XX/XXXX, my debit card was used for {$400.00} and {$300.00}, totaling {$700.00}. 
- On XX/XX/XXXX, my debit card was used for {$150.00}. 
- On XX/XX/XXXX, my debit card was used for {$970.00}. 
- On XX/XX/XXXX, my debit card was used for {$1000.00}. 
- On XX/XX/XXXX, my debit card was used for {$320.00} and {$630.00}, totaling {$950.00}. 
- On XX/XX/XXXX, my debit card was used for {$36.00}. 

The total amount of fraudulent transactions is {$4100.00}. 

I immediately contacted Navy Federal Credit Union after discovering these transactions and submitted multiple fraud reports. However, all of my claims were denied without adequate explanation or follow-up. Despite submitting additional follow-up letters requesting clarification and resolution, I did not receive any response from the credit union . 

This process has been prolonged and I can no longer communicate with my bank by myself because they are still refusing to do anything about it. I am seeking your assistance to resolve this issue, as Navy Federal Credit Union has failed to address my legitimate concerns or provide a satisfactory explanation for denying my claims. 

Thank you for your attention
Product: Debt collection

I have been Paying Asset Acceptance , LLC due to a court mediated order since XXXX of 2013. After 6 months they tried to make like I was n't making payments because they wanted them sent somewhere other than court order. Now I find that the checks I am sending are being cashed by XXXX bank and not going to Asset acceptance account.making out like I am not paying. I have been sending these checks the same way for over two years. XXXX has nothing to do with this and I have not been notified of anychange. XXXX will not talk to me nor give me what I have paid since court order. XXXX has Posted checks into XXXX seperate accounts. XXXX is for a XXXX bank that I do n't have any idea what this is, but fraudulently is nothing to do with the court case with asset. I will file a seperate case against them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Balance : {$6700.00} XXXX  Account Number : XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Balance : {$730.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Debt collection agency notified me XX/XX/2020 I owed then for a aledged credit card debt. Following CFPB & FDC guidelines I sent the first request for Debt Validation on XX/XX/2020 entirely within the 30 days as required. I did not get a response at all. I then ( being nice ) sent another Debt Validation Certified letter on XX/XX/2020 and as of today which the 30 days has expired, have not received anything. I have all documents with necessary proof upon request.