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

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( XXXX ) in question include : * Account Name/Number : XXXX XXXX  Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

I've requested to file XXXX separate grievances ( employees all say different things ) ; I've talked to supervisor, and he took abusive action : illegitimate and retaliatory financial withholding. 

Employees blatantly lied to me about business practices and when I should receive my debit card. 

I'm receiving discrimination from this company. 
Currently the supervisor has locked me out of my account because I told him after all the negative experiences I don't want to bank with Ally and plan to utilize Chime or something instead. In retaliation he locked me from access to my accounts stating he couldn't verify my identity when I've jumped through every hoop created, answered every security question correctly ( I refused to verbally provide my full social because I'm in a domestic XXXX shelter around other people it would place undue risk on my information, but I did provide the last XXXX ) and have provided my government issued identification twice and have answered every former address related question, mother 's maiden name and every other question under the sun correctly. 

I've wasted a significant amount of time on the phone lines trying to repair their errors with no compensation and no positive results. 

I still not having access to my funds. Ally has gone above and beyond to create barriers, lie to me, and refuse me access to my own money. 

These calls were all recorded. Please investigate this poor practice. 

Sincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please take this complaint seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank, issuing bank for Sam 's Club, issued me a card with {$4000.00} limit. The first monthly payment I made to them was returned by them to my bank without notice or explanation. I became aware of it after receiving a late notice, called Synchrony twice, and was told they didn't know why, just resend the payment. 
I received a notice from them that they were lowering the credit limit to {$430.00} because of unfavorable information on XX/XX/XXXX. I pulled my credit report and there is no unfavorable information there. I wrote them a letter to which they replied again that it was due to the credit report. I requested that they correct the error and reinstate the limit. 
They have sent me a form asking for all Annual Net Income from all sources and told me to submit that with reason why I am making the request. 
I have been notified by other credit reporting that there has been " a change '' in my FICO score. It appears that Synchrony has requested my credit three times in the last 2 months.

I have another card with Synchrony from Lowes which they could have checked at any time but failed to do so. I want Synchrony to close the Sam 's Card and remove all negative actions or comments
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$59000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$12000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$81000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$12000.00}
Product: Debt collection

Hi there, This company is not legally allowed in the state of XXXX  to collect any form of debt, where I reside. 
I requested to live in the XXXX  in XXXX XXXX, had a possible cancel of terms when I had family issues arise. They told me I was not able to cancel so I told them that's okay I would continue with the lease, then they took my apartment from under me and re rented it and still tried to charge me for a balance when they rerented it out.
Product: Checking or savings account

Around XXXX XXXX, I got an email about suspicions activity going around in my account. So I contacted wells fargo to dispute the transactions. The next day I saw that someone did a wire transfer without my authorization and linked a XXXX XXXX  card with my debit card which I never did. I lost about XXXX dollars and I claim to wells fargo about fraud activity going on I waited for weeks for all the claims I have submitted but I was denied and they believed that I did the transaction or someone I know did the transaction. I told them all the time that this was not me because if it was me I would not be contacting them or making my XXXX complaint under the CFPB. I never installed XXXX XXXX  or never went towards those locations and I want them to investigate the atm withdrawals that happened because if they can check who took out money they qould know because this was not me. I am furious because they have not helped me and also told me to go to the bank and talk to a banker only to tell me that they cant do anything. I have already file a police report as well to get to the bottom of this.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan from Navy Federal credit union to by a motor home. Navy federal bounced the check 2 times. then the dealer which is XXXX XXXX XXXX XXXX  in INDIANA freaked out when the check bounced and sold the motor home to another party and when they proessed the check the 3rd time it cleared but he already sold the motor home.
Product: Debt collection

There is a new company, Jefferson Capital Systems called tried to collect a debt. this company reported the debt collection to XXXX for the third time. The original company is XXXX. XXXX has also reported the debt collection and has My credit score has been affected several times for the same debt. The last time was this month, XX/XX/2023. I do not think that the companies have the right to affect several times for the same debt. Now, Jefferson Capital Systems has reported as new debt starting 2023. I think that they are trying to force to pay. The original debt was created because XXXX was charging for services that I did not request. I had to spend hours on the phone to clear those charges. I got sick and had to cancel the services. Once, I canceled the services, XXXX was not able to charge for services not requested like Music subscription. In fact, I am about to file a law suite against XXXX. At this point, I want to stop the same debt being reported several times to my credit report. 
I have documentations for the communications in writing asking XXXX to stop charges for services not being requested. I can show that my credit report has the same debt more than 3 times in different periods, reducing my credit score multiple times.
Product: Prepaid card

I received this email : Dear XXXX, We've noticed that you haven't used your Netspend All-Access Account account ending in XXXX, in quite some time. To avoid losing access to your account, please log in online to view all of the features that you have available or to order a new card if needed. 

Sincerely, Netspend All-Access XXXX The Netspend All-Access Account is a deposit account established by XXXX, XXXX XXXX XXXX Member FDIC XXXX Netspend is a service provider to XXXX, XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. 
Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Netspend Corporation XXXX All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.
Product: Credit reporting or other personal consumer reports

I file a couple of disputes that was on my credit report that was not correct all of them took place 2024 when I begin to work on my credit
Product: Credit card

Good day! 

I would like to report my credit card from CITI Bank. I did apply for new card XX/XX/year>. Unfortunately, they send the card and waited for 7 business days and was told that the mail was delivered to a different address. I requested for a new card as replacement and waited for another 7-10 business days yet didn't received any card. Requested for another replacement card for the 3rd time and received it XX/XX/year>. 

I was able to activate, access my account and able to have it stored to my apple pay on that exact same day. I made a transaction after the activation of the card and got fraud alert from the app and declined my transaction. Called the customer service and was informed that I needed to verify the transaction using a code they sent thru mail and needed to wait for 7-10 business days as what they claimed. I did received a letter dated XX/XX/XXXX but there is no reference code. I was informed again that I needed to wait another 5-7 business days in order for me to give them the reference code but still no mail received. 

I am having hard time communicating with CITI bank as customer service are off shore, they are not aware of the current situation and keep letting me know to wait the mail but mail keep loosing. CITI bank keeps delaying me of having access to my account. 

Also, I applied for this card as they advertised XXXX thank you points if you spent XXXX within 3 months of applying. Unfortunately, i can not use the card and this XXXX timeframe will end XX/XX/year> which I dont have enough time to spend the XXXX threshold, at the same time, still I can not use the card since it got blocked from there system. This card contains an annual fee but no one from the customer service know how to fix my concern. They keep insisting on WAITING FOR THE REFERENCE CODE FROM THE MAIL which I am not receiving. 


I am asking for assistance in order for me to use the card and access my account. Here is my information XXXX XXXX XXXX XXXX XXXX XXXX I can verify and provide necessary information in order for me to access my account.
Product: Bank account or service

On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else.
Product: Money transfer, virtual currency, or money service

My cash app card was stolen and used in XXXX and when I tried reaching out to cash app to get my money refunded and a new cash app card, cash app did not refund my money and did not allow me to get a new cash app card
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Transunion on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX  XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian, XXXX, and XXXX  over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$220.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX. XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent out letter to all the credit bureaus XXXX Equifax and XXXX on XXXX
Product: Checking or savings account

I am an XXXX retiree and have recently accepted the fact that I am a victim of being scammed. Part of the scam included my former bank Wells Fargo until they closed my accounts on XX/XX/XXXX, taking funds from my checking, and savings accounts and also taking funds as a cash advance from my credit card account. 
I have received a letter from WF dated XX/XX/XXXX in a packet of about 20 pages and stating the obvious but totally failing to address my most important concern accepting an extremely large deposit that in turn was used for wire transfers. 

However because WF did not put the deposit on hold, the wire transfers were made thinking that the funds were available, but they were not and WF determined that AFTER the wire transfers were made.

I think that WF should have put the deposit on hold and advised that the funds would not be available until a certain date, especially since I had been a customer of WF for almost 30 or more years and had never made a deposit of such a large amount, should have been a red flag to WF. In addition, WF should have been suspicious of so many wire transfers as my current bank was and also my current bank convinced me that I was a victim of a scam but that did not happen until XX/XX/XXXX, and I reported to the XXXX XXXX Police Department on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with TransUnion and XXXX and no results. It did get removed from XXXX.
Product: Credit card

First Progress closed my secured card account without giving me a reason, and says they sent my deposit in a check, but 3 months later, I have not received anything from them.

I have called to inquire about my refund, and am told I will have to fax in proof that I did not receive the check.
Product: Debt collection

On XX/XX/XXXX, I received a call from Credence Resource Management as I was driving home from work. During this call, they validate my information and the internet account in question from XXXX. They mentioned the total amount that was for 1. ) a final payment amount of {$280.00} and 2. ) hardware charges for {$280.00}. I informed the Credence rep, that I had canceled this service and returned the hardware shortly after. I also informed them that I had email proof of the final payment, however because I was driving, I could not provide them that information at that time. He scheduled to call me later that evening, however no one ever called. A few days later I began to receive calls from Credence, however due to the nature of my employment, I was not able to pick their call up. Yesterday, XX/XX/XXXX, I noticed a new collection account on my credit report that was by Credence. I attempted to speak to them today XX/XX/XXXX to have the collection removed and to understand why they had reported this to the credit bureau, after I had explained, the hardware was turned in and I had proof of the final payment.