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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization. 
Account to Be Blocked and Deleted : 1. UNAUTHORIZED COLLECTION o Account Number : XXXXXXXX XXXX Date Opened : XX/XX/scrub>XXXX XXXX XXXX  Balance : {$1400.00}
Product: Vehicle loan or lease

I financed a used car in XX/XX/2019 through TD Auto. It came with an extended warranty. I sold the car and paid off the loan in XX/XX/2019 but the extended warranty payment was sent to TD Auto after the loan was paid off because the warranty cost was built into the loan. The check was sent to TD Auto XX/XX/2019 and cashed XX/XX/2019. I called TD Auto in XXXX and was told they would process the payment as soon as it was received and send me the balance ( {$6900.00} ). I called again in XXXX after they cashed the check and was told it would come in 2-3 weeks. I called again in XXXX and spoke to XXXX XXXX ( XXXX XXXX ) who said it would come in 3-5 business days but that I can not escalate beyond her to her boss XXXX XXXX. I called again XX/XX/2019 and was told the check has not been processed and would arrive sometime in late XXXX and XXXX XXXX again refused to give me assurance or speak to me. Supervisor XXXX XXXX attempted to get XXXX to hear my issues but he refused and no one on the 4th floor would make themselves available.
Product: Vehicle loan or lease

I was in a wreck on XXXX. In the process I was refinancing my house to consolidate my house and car. After the wreck the insurance company deemed it was totaled and paid off the amount owed. The refinance company told me since we signed paperwork they couldn't change the check and instructed me to send it in to kia motor finance and that they would be sending me that check back as a refund. So I did as I was told, and kia motor finance received the check on XXXX. They have done nothing but give me the run around for now five months about that check saying for the first 2 months they were resending the check. Then I spoke to a supervisor only to find out that the first check was still " pending ''. I asked him if that meant they never sent out the first check he said correct. Ever since then everytime I have called them they now say that the payment processing team has said it's " excluded ''. They also claim they can't tell me why it's been excluded or anything because their payment processing team didn't write anything in their notes. I have asked them If I should just go ahead and get a lawyer involved in the past and they said " sure go ahead and get one '' as if it was nothing. My refinance company says that the matter is out of their hands because kia motor finance cashed the check and has never heard of a company not willing to send back the money that wasn't theirs and instructed me to contact my senator ( to which I did and was told they don't handle matters like this ) and to contact consumerfinance.gov
Product: Credit card or prepaid card

I paid off my credit card with Capital One, and they froze my account. The company called me a while later and started asking me questions that were irrelevant to my account and seemed fraudulent so I told them that I was not comfortable as I have read about so many scams recently and I wrote them a letter confirming that it was me that paid off my card. That was in XX/XX/2022. After not receiving any response I wrote to them again in XXXX confirming that I had indeed paid off my card, again with no response. Then in XX/XX/2022 they wrote to me saying that they had closed my card. I called them and spoke to a manager, he said that I had not provided paperwork needed. I paid off multiple cards at the same time and no other card asked for any paperwork, and in our communication Capital One never requested any paperwork. I asked him what kind of documentation and he said that he had no idea, he said that as my account was closed he could not see the notes. But when I asked him what paperwork people are usually asked to provide when paying off their credit card he was unable to tell me as he hadn't experienced it before. I asked him what could be done about it and he said absolutely nothing. My credit score dropped almost 75 points after they closed my card, I worked very hard for my excellent credit and this has now put me in the bad credit bracket affecting my interest rates and my ability to borrow money.
Product: Credit card or prepaid card

I signed up for a Brinks XXXX Mastercard and I never received my card. 

I have called several times to receive a replacement card, so that I can activate my account and use the card. In fact, when I called for a replacement, I was told I cant be issued a replacement because I cant verify my card number, but I never received a card. So it makes absolutely no sense. Then I am told that I owe {$9.00} for account inactivity and either I am hung up on or placed back to the circular automated line. 

I just want to receive a card so that I can use it and have the negative balance waived, sine I never received the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was drop to the lowest because of a problem on the Equifax. There are two reports saying two different things. On the page labeled changes it has dropped my credit score down over 500 points, but on the page labeled Factor it said the account is still there in good standings
Product: Debt collection

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : HUNTER WARFIELD INC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was denied credit two times. Went online and ordered credit report. Did not get report. Went online and opened acct to view. The information that Experian had was all old info and all was closed XXXX. I have numerous accounts open now including mortgage, vehicle pmt, tractor pmt, several credit cards. Nothing current shows on my report. Tried to contact Experian several times.Most current today, XX/XX/XXXX. Recordings are not conducive to getting things done.Tried dispute section online.Did not present relevant choices. My spouses credit report is fairly accurate.I would like to talk with a person at Experian but seems impossible!
Product: Credit card or prepaid card

I signed up for a new credit card for my small business because they offered a {$500.00} bonus if I spent {$4500.00} by a specific time. 
They sent me an an advertisement email on XX/XX/XXXX that stated all I needed to spend was an additional {$1300.00} to earn the {$500.00} bonus. I spent {$1600.00}, but they said I didn't qualify because I had some returns in XXXX. Nowhere on the advertisement email does it state that refunds hadn't been calculated in the amount. 

I feel this is a very deceptive practice so I closed out my account when they wouldn't honor the {$500.00} bonus promised in the email. Had they stated a different figure I could have made additional purchases to reach the figure since it was only a couple XXXX dollars more.
Product: Checking or savings account

Paypal reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. I am a customer since 2018 and yesterday they blocked my account and my money. Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. After studying your account, we have decided to restrict it permanently, as it presents potential risks. Therefore, we can no longer offer you PayPal services. No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. If you have money in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money. 

I have familiy, my account paypal it's important for me. Every day i receive money from paypal. I have nothing problem before. I'm not criminal. 

You can check my historic paypal. My customers so happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XX/XX/2023. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to XXXX. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over XXXX Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on XXXX part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, my information was exposed in an Equifax data breach. Please remove all accounts listed in this FTC report under section 605B within four days. The following inquires are not authorized : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On Wednesday XX/XX/2021 at approximately XXXX, I received this text message which I DON'T have a BofA prepaid card : " Bank of America EDD Debit Card Alert : Your Bank of America EDD Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using.

XXXX XXXX XXXX. '' This message was texted to 5 other telephone numbers. This is not the first time I have received such text messages and in most cases I deleted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding CFPB complaint # - XXXX and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX against XXXX for failing to properly investigate my XXXX regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protect Act, as highlighted in the CFPB 's recent administrative proceeding against them for similar violations, I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof investigation.
Product: Credit card

My XXXX account was hacked on XX/XX/2023. The criminal, who's name appears to be a XXXX XXXX, used the saved credit card on file to repeatedly purchase {$50.00} gift cards. After XXXX successful transactions, Citi, my credit card company, locked my account for suspicious activity. As soon as I had a chance I disputed the charges. Citi issued a temporary credit and opened an investigation. On XX/XX/2023 I was contacted by Citi asking for additional information. I filled out all of their forms and returned them as instructed. I was just informed that the credit was reversed. The real criminal aka XXXX XXXX is still out there trying to access my account. They try to log in numerous times every day. This should have been an open and shut case with a quick and permanent refund. XXXX won't allow me to request a refund and Citi is taking their refund back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had some negative information reported on my Transunion, XXXX   and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

Trans Union File Number : XXXX XXXX Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
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 These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.