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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Bank will no longer allow XXXX transactions
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX     2017 PayPal d ecided to please limitations on my account and place a holding on {$1600.00} on my money for a period of 180 days. With out giving me a reason why after numerous emails and phone calls all I was told is it 's there policy and in the user agreement. When I asked to review what has caused them to do this I was told I would need a court order or subpoena to do this. After days of research I have found that this is common practice for them. They have had  XXXX  class action lawsuit they have settled over this and still continue to do it. After filing a complaint with the Better Business Bureau,  PayPal response was they cleam fraudulent activity and for fear of  charge backs on my account, I have had zero complaints against my account. After reviewing there user agreement, it  States that any buyer protection is only good for 45 days, so why are they holding my funds for 180 days? When  I asked if I would be received an interest for six months I want to hold my money The customer 's service agent I was speaking to on the phone just laughed and said no. They are collecting interest on my money for their profit and they stayed this in the user agreement. This is completely illegal.
Product: Credit reporting or other personal consumer reports

For the last 6 month I have been sending information to the three major reporting agencies, ( XXXX, XXXX, & TransUnion ). Disputing inaccurate information reporting on my personal credit profile, as a result of identity theft. I wrote letters listing the accounts numbers in question, the dates, and amounts. I also provided police report, the claim information from the FTC and now the CFPB. They continue to say it been verified. This has become an epidemic identity theft is out of control. These are things that should be on the floor when it come to politics.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Repeated phone calls from XXXX XXXX Harris Law - XXXX. Can not reach anyone by phone on their automated system. Filed a 'do not call ' ask on their website, still receiving calls.
Product: Checking or savings account

Wells Fargo has done this to me around 9 times. Wells Fargo offers a service to put a custom image on your debit card. I have actually had this Inage on my card before. I have 100 % permission to use the image. Wells Fargo Keeps rejecting the image. It is ridiculous. I wrote a letter to The President and CEO of Wells Fargo and sent him Proof. I never received a response. PLEASE CFPB, help me get this Fixed. I filed a complaint with the XXXX XXXX XXXX and Wells Fargo send a letter asking me to call them and open a case. I called them yesterday. I was transferred and put on hold. I wasted over XXXX minutes on the phone and nothing was resolved. I should not have to go through this every time I change the image about 1 time a year. PLEASE CFPB help me resolve this with Wells Fargo. They need to put the image on the card and we all can move forward. My Bank XXXX Wells Fargo ) offers this service and they are denying it to me. Again This is an image I have had on my card before. Thank you CFPB!!
Product: Credit card or prepaid card

My card was stolen and was used to steal {$2500.00} off my account. They purchased gift cards. I disputed the transactions but American express serve refused to refund/credit me and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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. 
The following inquiries are Unauthorized : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I logged into Synchrony 's website to check account balance and make a payment. Upon login I was presented with a prompt stating that my account had " incomplete information. '' There was only 1 available option to click so I did- which led me to review the information for my account. On the second page I see a prompt stating that my income is not updated. At that point my only option is to update my income or abandon the website. There was no option to update income later, or skip this step. 

This is NOT legal. Synchrony does not need my income for any purpose other than providing a credit line increase. My account is current - I have never had a late payment. 

This marketing gimmick prevents me from accessing my account unless I provide personal information which is not needed for account servicing and only used for additional marketing of products ( i.e., a credit line increase ). 

There is NO reason to block my account access. This is a text-book method of attempting to provide a service that the customer did not ask for- while simultaneously prohibiting access to my account which could result in a late payment. etc. 

This is Illegal Note in the screenshots below that Synchrony states and update is " REQUIRED '' in red menacing font. Once the customer chooses to see what they must update another prompt states that income is required. There is no other option.
Product: Credit reporting

companies promised free credit reports, I entered my personal information, but the companies wanted to charge me to unfreeze my credit scores -- -- -they still have my confidential information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

I received a bill from XXXX XXXX for {$360.00} in XXXX. The bill was paid in full on XX/XX/XXXX. I retrieved my credit report on XX/XX/XXXX and saw a collection company for XXXX XXXX, Wakefield and Associates, was on my credit report for the amount of the bill, {$360.00} that was paid off over a year ago. I disputed the account with XXXX  and provided a copy of the payment receipt from XXXX XXXX and the response that I received from the dispute was that the account still stands as being owed and it was not removed from my credit report. The receipt I provided from XXXX XXXX had the date it was paid and the confirmation number on it. A simple investigation verifying the receipt of payment would have proved that the account was paid over a year ago. On XX/XX/XXXX I spoke with a representative named XXXX at XXXX XXXX and she informed me that Wakefield and Associates was informed of the payment in XXXX of 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 cashapp, failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( RFTA ) and regulation E. These actions have caused significant inconvenience and financial and I see appropriate redress for these violations.
Product: Debt collection

I am disputing the account with SUNCOAST CU, account number XXXX, opened on XX/XX/2022, with a balance of {$0.00}. It has come to my attention that someone has fraudulently applied to attend school using my personal information, despite the fact that I have never been enrolled in any educational institution. Despite my attempts to resolve this matter by contacting SUNCOAST CU, I have not received any resolution. I want to emphasize that this account is unverified and does not belong to me. I demand an immediate investigation into this fraudulent activity and urge SUNCOAST CU to cease any further actions related to this account. I expect a prompt response and the removal of this erroneous information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a credit card with US Bank in XX/XX/XXXX. Called in to request a credit line reconsideration. I explicitly told the customer service representative that under no circumstances could they initiate another hard inquiry on my XXXX report and the customer service representative told me that since they use the last 30 days inquiry, there would be no 2nd hard inquiry on my XXXX  report ; however, underwriting submitted another hard inquiry on my XXXX  report. Called in several times to get them to investigate. Finally after several phone calls they finally pulled the recorded phone calls and noted that they would remove the 2nd hard inquiry from my XXXX report. To date, no request to XXXX  to remove the hard inquiry has been initiated by US Bank. After several calls to underwriting to inquire about their lack of followup to remove the hard inquiry, they can only see a notation to remove the hard inquiry, but no one seems to know who will submit the request or when that might happen. It's been nearly a month since my initial request to remove the hard inquiry and no request to XXXX has been initiated by US Bank.
Product: Checking or savings account

My checking account ( XXXX ) was held by PNC Bank. On XXXX the account was hacked and a total of {$36000.00} was fraudulently withdrawn to payoff a credit card unauthorizes transactions. 
After many weeks of bureaucratic procedures the bank returned a total of {$34000.00}. A balance of {$2500.00} hasn't returned yet. It has been almost a year now and it appears the bank ignores my request to have my money retuned in full.
Product: Checking or savings account

I signed up for Bright XXXX in XXXX or XXXX of XXXX. The service did not do what it claimed to do, so I decided to close my account. On XX/XX/XXXX, I requested a withdrawal of {$520.00} from my Stash ( the entire available balance ) and downgraded my account to the free version. On XX/XX/XXXX, I received an email asking me to send them identification to prove I was who I said I was. I'm aware of the Know Your Customer laws and requirements. However, this requirement for withdrawal was never stated in the sign up process. Furthermore, the money would effectively just be going back into the account from which it came and to which they already had established a connection via XXXX. This should not be an issue. 
Be that as it may, I'm happy to provide my identification if that is what I must do to close my account. The issue arises in that they have not provided me with a secure way to submit that identification. Presumably, I was expected to attach a picture of my personal identification to the email they sent! This is unacceptable. I responded immediately to the email stating that I would be happy to provide my information via a secure channel, but I would not be sending if through email. That was on XX/XX/XXXX that I sent that email. Since that time, I have not received any response from the company, despite the fact that I have reached out to them via chat, email, and phone multiple times. 
On signing into my account, I still see my Stash with {$520.00} in it. I'm not sure how it gained another dollar in this time. I just want my money transferred back to my account. It has been a week since hearing from the company and I am still without my {$520.00}, a way to get it back, or even a reliable way to contact the company.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  unauthorized inquires was discovered on my TransUnion credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.
Product: Credit card

We are legally married for more than 10 years. Now I have XXXX Rewards store credit card for about half an year and accurately paying my balances. I called XXXX Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.
Product: Checking or savings account

I have a checking account with TD Bank. On XX/XX/20 I was charged in XXXX with several unauthorized transactions. The amounts were {$400.00}, {$390.00}, {$350.00} and {$840.00}. The company that charged me these amounts was XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. As you can see this company is a food company. How am I going to buy all this food in one day? 

I filed a dispute with TD Bank and they said that these charges were valid. I refused to pay these amounts because they used the information of my debit card to rob me. 

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

I just received my reinvestigation back from Equifax, they have stated that everything is 100 % complete and accurate. I would like to receive the description according to the 15 USC 1681i ( 7 ) The accounts listed below are not accurate. The open date and last payment date, and last date active, are not 100 % accurate.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ) 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

Entered into a loan with a different lender. Without proper notice or disclosure that credit and personal info was being released to this lender and sold, this is a violation of my privacy and a violation of original contract by original lender. B.M.O has hung up the phone disregarded my rights as a consumer. B.M.O. has refused to furnish any contract with my mark on the authorized representative line showing that I agreed to do commerce with this commercial entity. The original contract was paid in full or satisfied at the time original lender breeched purchase order and privacy agreement in the commercial transition between Bank of the West and B.M.O. All this was done without my knowledge or consent and without written permission from authorized representative known as XXXX XXXX. B.M.O. is holding and not processing payment instruments issued to original lender, from invoices from original lender that had my mark on authorized representative line in original purchase order consumer credit transaction and billing me without contract in the same month. There are late payments on my credit without written consent this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem started on XX/XX/XXXX, when my husband and I were applying for a home mortgage. The credit report showed a problem with my husband as a authorized user on my account and it placed his credit score at zero and no credit history. I contacted the credit card company and they stated there was no problem with my husband with them. The company in question requested I fax the copy of the report with my husband 's social security number, home phone number, credit card number and sign my name to the request. After getting the wrong fax number I finally got the fax to go through on XXXX, XXXX, I telephone the company to find out what is happening. I was told on XX/XX/XXXX, it would take twenty-four to forty-eight hours for the credit card companies, Credit Bureau Dispute in the internal division to investigate the issue. I called and talked to a supervisor who is a service representative on XX/XX/XXXX. She explained the twenty-four to forty-eight hour response time started on that date as they do not work on weekends. I telephoned again on XX/XX/XXXX and I was told to wait another day. Time is of utmost importance since we can not get a loan without the credit card company sending a letter stating my husband is not in dispute with the company. We had an excellent credit score for forty plus years and this is a first. I pay off the credit card company monthly and have no outstanding loans now. We own several homes that are completely paid for. The last loan we had was in XX/XX/XXXX in which our credit was excellent. We are in escrow now but without a bank loan and may default due to this problem. 
All we want is a letter faxed to the mortgage company stating there is no problem with my husband on the account. I have had the credit card for over twenty years without any problem
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX Inquiries XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )