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

XXXX XXXX XXXX ATTN CREDIT DISPUTES XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX. 

Account # : XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication.In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

CNAC JD Byrider sold me a XXXX  XXXX that broke down the SAME DAY! The vehicle had a warranty and they never were successful in fixing the vehicle. I had the vehicle less than a year. JD Byrider CNAC promised to fix the vehicle and did not after replacement of the motor twice. I was told my CNAC that I could trade the vehicle. When I had a friend take me there to pick out another car I was told mine was missing. After calling the police was told the bank took it. They had the car longer than I did at the shop. They had possession of the vehicle for 4 months while I paid for it and NEVER FIXED IT! Never Ran Properly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 moved to a different state and did a change of address when I did the change of address I started getting bills from debt collectors for credit cards that I was not aware of. I never applied for a credit card so when I got in touch with them, they said it was my account and I told them I never applied for it. I did a police report for fraud. I sent it to them did everything they asked me to do but still its on my credit. This needs to be removed
Product: Prepaid card

Company is ignoring the complaints, I bought a {$25.00} Google play gift card at XXXX  in XXXX and tried to use it but they wanted more info. I gave it to them and even gave my receipt for proof of purchase but they refused to allow redemption citing non-existent issues with my account that they wouldn't explain. I wish to redeem the card. Account info XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY!

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX XXXXXXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to XXXX XXXX  and Chex Systems claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to XXXX XXXX and Chex Systems. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX XXXXXXXX 's actions toward me are malicious, deliberate, and well defined against XXXX XXXX  consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
Product: Debt collection

I received an email on XXXX of XX/XX/2023 by a Cedars Business Services claiming that I owed some debt. I kindly and promptly replied the same day that I was like to request validation of the debt claimed owed, I gave a list of the items requested and asked that they not communicate with me further until they provided me with the requested documents. 
Not only did they NOT respect my request by sending me via XXXX mail a bill to my home address, WITHOUT cause or consent. 
Then when I ask about that they say 'they cant seem to find any bill sent to me ', so I had to show proof to them as if they are accusing me of making it up. 
Then today on XXXX XX/XX/2023 they finally sent me via email SOME of the items requested but NOT all of them. 
If I am being asked to pay something they should be able to verify & validate debt claimed owed! Especially in this case, this is over {$2000.00}! 
They are trying to say that " We have only received this document from the client, and this is sufficient to validate the claim. '' As if their client is without fraud or error...?? 
*See Attached* for all communication from this place I informed them today that I would be reporting them & to expect a Cease and Desist from me in the coming days.
Product: Credit reporting or other personal consumer reports

I have been disputing the account with XXXX XXXX XXXX XXXX Bank for over a year and a half now. I have repeatedly asked them to validate this debt and they have refused to move. I have also disputed this account with all XXXX credit bureaus and only XXXX has taken action to remove this debt from my account after I have filed an FTC report on this account. When this debt was open, I was unfamiliar with a credit report or things being placed on my credit report. I am a victim of identity theft and have tried to explain that to this company, yet they have failed to acknowledge the FTC report and other documents that I have sent to them concerning this account. 
I am attaching the FTC report again, so that they can see and that I am acknowledging that this account does not belong to me.
Product: Credit card or prepaid card

Capital one restricted my account because I made 2 payments on the same day From the same bank account I have made every payment to them. 
They received the payments were posted without and issues except that I made 2 in one day.

My account has been restricted since XXXX I am tired of calling and keep getting told I have to correct the issue and prove the bank account belongs to me.
Product: Credit card or prepaid card

I woke up Monday the XX/XX/XXXX, the day my direct deposit was supposed to post to my account, to find that my American Express Bluebird card was no where to be found. I didn't think much of it at first, thinking I must've misplaced it and went on about my business. As the day progressed and after a couple of hours searching for it, it didn't turn up. At this time I thought it would be a good idea to check my account with the app that is available for this card. I was shocked to see 4 transactions for withdrawls of a total of XXXX dollars in addition to fees imposed by American Express for the atm transactions. I immediately started the process of canceling the card and ordering a new one in the app. Once that was done I spent a couple of hours trying to figure out who could've stolen my card and gotten my pin. Having no luck with that I decided to call American Express to see if they could help. They informed me that they would begin an I investigation as soon as I returned a signed copy of a document called a " Declaration of fraud " to their fraud dept. I did so as soon as I was able and returned the document via their upload link on Friday the XX/XX/XXXX. They informed me that I had returned the document within the proper amount of time since I had until the XX/XX/XXXX to do so. On Monday the XX/XX/XXXX I called the fraud dept. That afternoon to check on the status. They informed me that they had completed the investigation and denied approving provisional funding to my account because they had determined that the transactions were authorized. I'm absolutely furious that they feel they can make a conclusion like that while I desperately need the money that was stolen from me to pay my rent. I asked that the issue be escalated but after asking for and getting a supervisor on the phone, all they were willing to do is reopen the investigation at this time. Please help me with this issue as I don't know how long I can talk the person whom I pay rent to, into letting me stay while this issue goes unresolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. Acima Digital Fka Simp  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Product: Checking or savings account

On XX/XX/23 I sent {$250.00} by XXXX thru my Truist Bank Checking account to my son. 
Confirmation # XXXX. My son had changed bank. He did not receive the funds. He contacted XXXX and was told the funds would be returned to me if not received in 10 days. He never received the funds and they were not returned to my account. 

I contacted Truist and was turned over to their fraud division. Gave them the information. 
They issued complaint # XXXX. On XX/XX/XXXX they sent me a letter stating the following : " Based on a review of our records and the information gathered during the course of our investigation, we have determined with respect to the above-reference amount that the transaction was initiated by you for the amount due for which you received benefit. You are encouraged to resolve the matter with the merchant. You have the right to request a copy of any documents that we may have relied on in making this determination ''. 

I did not receive any benefit only a loss in funds. 
They have advertised using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent collection that's been reinserted in my credit report. Mailed FTC Identity theft report to all XXXX credit bureau 's on XX/XX/23. It was processed and the item was removed by all XXXX. I noticed that it was back on my Equifax report again earlier this month. I disputed the item and Equifax refused to remove it from my report, stating that it's accurate. This isn't true, it's the same account that was removed before but with a different account number. The original account number was XXXX and new account number is XXXX. I don't feel they did a thorough investigation because the duplicate account wasn't taken into account. This is seriously affecting my life and ability to provide for my XXXX child.
Product: Money transfer, virtual currency, or money service

I transferred XXXX from XXXX  to Coinbase on XXXX. I woke up on XXXX to find texts requesting an email address change I never requested. I immediately locked my account. I have been trying to regain access till this day without success. 
I have filed both initial ( case # XXXX ) and formal ( case # XXXX ) complaints with XXXX. All I have recieved are automated responses. The last response informed me they were closing my initial complaint and that I would not be allowed to reopen it. I have even filed a complaint with XXXX  ( complaint # XXXX ).
Product: Credit reporting or other personal consumer reports

I noticed some billing errors on my credit report recently. The late payments listed are not reflective of my usual payment history.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I have no idea how they got there. When I checked my report, I was surprised to find unexpected discrepancies. I even tried refreshing the browser to ensure it wasnt an error, but the unauthorized inquiries didnt disappear. Im deeply frustrated by this situation and request that the documents I provided be reviewed carefully so this matter is resolved and doesnt happen again.
Product: Debt collection

Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 It also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit card or prepaid card

There are several disputes on my  Sams Club Credit Card which have not been resolved by the bank.      Every time I call the  Disputes  Department they say they are being investigated.
Product: Checking or savings account

On XX/XX/XXXX, I did call my bank, Citizens Bank, because I noticed there were multiple charges for " Foreign fees '' withdrawn from my account. I know that during this past month, I did not make a purchase outside the USA. I called their customer service line, where XXXX told me there were fees all the way back to XXXX of XXXX for the same two companies. The Companies in question are XXXX ( XXXX  based company ) and XXXX XXXX ( XXXX based company ). I asked why these fees had been charged to me and the representative told me that they had been done in error and that he would transfer me to the right department to help me. The overcharged are as follows ; XXXX {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}, XX/XX/XXXX - {$.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00} for a total of {$18.00}. 

Once I was transferred to the next department, a Supervisor with XXXX XXXX stated the errors were on their end, which I knew and that they ( Citizen 's Bank ) would only go back to XX/XX/XXXX to reimburse the fees they illegally took from me.I told her this was unacceptable and she told me there was nothing further I could do because she is a supervisor and has the final say. The reference number for this is XXXX.
Product: Payday loan, title loan, or personal loan

Firstly I am a victim of identity theft and I did not authorized this transaction.I recently received a letter from XXXX XXXX XXXX XXXX which is attempting to collect funds for a matter that has been resolved. I already filed as victim of identity theft with the bank and as I said it was resolved. The amount is for {$20000.00}, around XXXX and again I filed a report for identity theft with bank and it has been resolved. The company is XXXX XXXX XXXX XXXX XXXX, Attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX. They also give a second address at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. Phone # XXXX.
Product: Credit card

My wife and mine 's identity has been stolen. I am now seeing there are accounts on my report that are not mine.
Product: Mortgage

Mailed demand letter XXXX XXXX. Filed CFPB complaint about XXXX XXXX XXXX XXXX XXXX ( XXXX ). Emailed various messages to XXXX XXXX replied with email regarding a different mortgage account, so non-responsive to the issues at hand. XXXX replied to CFPB complaint with a non-responsive letter allegedly drafted by XXXX XXXX XXXX This inidividual fails to respond to emails sent to XXXX but they don't bounce back. Individual not available by phone. This is insane. We are getting charged two annual account fees in the same year, get no monthly statements, no explanation of how our principal got padded high with funds that were not ours, daily interest was charged on these padded amounts. They are too XXXX or criminal to provide monthly statements. But they are able to mail inappropriate warning notices which fail to address their mishandling of funds and double-charged fees. This lender should be shut down for failure to abide by basic banking regulations, practices and procedures.
Product: Credit reporting or other personal consumer reports

Good morning, I have 2 missed payments shown on my credit report for my XXXX XXXX XXXX. I thought I had paid it, but if I was truly late, is there any way to remove those two impacts on my credit report?

I am trying to rent my own apartment, and it's my credit history that is jeopardizing that for me. I really hope that you all can help me with this situation. 

Thank you so much! 

Payments missed : XX/XX/XXXX and XX/XX/XXXX. 

I am currently in good standing with my auto loan. I pay before the due date and have a stable great job where I am now able to pay down my loans. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ) XXXX This will honestly help me so much! 

Thank you tons!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 602A. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address on my Experian account is wrong, this is hurting my opportunities and I got denied for an application due to my address not being able to confirm my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX I need this to be corrected immediately This are the current addresses on my Experian report : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX they are all shown wrong I expect this to be handled as soon as possible as my quality of life is being affected by this and I am being denied credit for this error.