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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my XXXX. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to XXXX XXXX.
Product: Credit card or prepaid card

I have a Visa Gift Card, prepaid and loaded with {$250.00} ( purchased from XXXX in XXXX XXXX, Washington ), that was given to me in XX/XX/XXXX. I tried using the card for the first time on XX/XX/XXXX online, and the transaction was declined. I tried using the card twice in person, once on XX/XX/XXXX and XX/XX/XXXX. After these declines, I tried logging online to XXXX to see what I could find out. 
I was unable to log on to the website, due to an error message saying the card number did not match the XXXX security number ( XXXX digits on the back ). I called the customer service number on XX/XX/XXXX and spoke with an agent. The agent told me the card had been used in person at a XXXX store in XXXX, California. I expressly stated that this was fraud and that I was still in possession of the card, and I am located in XXXX  XXXX. I was told on XX/XX/XXXX that XXXX 's entire fraud system is " down '' and that there was no way for me to lodge a dispute and to call back today, XX/XX/XXXX. 
I called again XX/XX/XXXX, and was told again that their entire fraud system is down, there is no way they an help me, and they have no estimated date of when the fraud department will be back in service. In addition, there was no record of my phone conversation on XX/XX/XXXX where I expressly stated my card had been used in a fraudulent transaction. 
I repeatedly asked to get logged in so I could see a transaction history, was denied. 
I asked for a detailed history on the card ( date the card was registered, who the card was registered to ) and was denied any information, only being told that since the card was now " inactive '' they no longer had access to that information. 
I also asked for an explanation on why the website error told me the XXXX number did not match the card number. They did not have an answer for me. 

I believe that the company sold a bad card, and as I am unable to launch a fraud investigation, I have no way of recuperating the lost funds in the amount of {$250.00}. 

In addition, my co-worker is having the exact same problem with this company. Her VISA prepaid gift card was used on the exact same date ( XX/XX/XXXX ) at a XXXX in XXXX, California.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute of Erroneous Entries Due to Identity Theft Dear Sir/Madam, I am writing to dispute several entries on my Chex Systems Consumer Report, which I believe to be the result of identity theft. After reviewing my report, I have identified the following erroneous entries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of the transactions associated with these entries. Therefore, I am formally disputing their accuracy and authenticity. I believe that these entries are the result of fraudulent activity perpetrated by an individual or individuals who have unlawfully used my personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have these inaccurate and fraudulent entries promptly removed from my consumer report. Section 605B of the FCRA specifically addresses the procedure for blocking information resulting from identity theft. Pursuant to this section, I am requesting that you investigate these disputed entries and take appropriate action to remove them from my consumer report within the timeframe specified by law. 

Enclosed with this letter are copies of documents supporting my claim of identity theft, including but not limited to police reports, affidavits, and any other relevant evidence. I hereby request that you conduct a thorough investigation into this matter and provide me with a written explanation of your findings and actions taken. 

Please note that failure to comply with the FCRA 's requirements may result in legal action being pursued against Chex Systems , Inc. I trust that you will handle this matter with the urgency and seriousness it warrants. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX Acct : 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 XXXXXXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Checking or savings account

Per the bank 's own instructions, in order to close an account it must have a {$0.00} balance and no incoming transactions for 30 days. To facilitate this, I transferred my remaining balance to a different financial institution and used the available online banking tools to disable the debit card. The online banking site explicitly states " This card is blocked and no further transactions can be made. '' ~30 days later, two transactions are processed for the disabled card. Customer service informed me that because these were " previously authorized '' subscriptions, that disabling the card would not prevent the transactions. The whole POINT of disabling the card is to prevent ANY transaction from being approved - and indeed several other " recurring '' transactions were appropriately declined ( and the merchant then contacted me to update my payment information ). The bank refuses to rectify the situation and instead is blaming me - despite my availing myself of the provided tools to prevent exactly this kind of situation ( and the assurances those tools then provided that all transactions would be prevented after the card is disabled ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX XXXX : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

DISCOVER BANK ACCOUNT WAS OPENED AND MAINTAINED BY A THEIF, THIS ACCOUNT WAS NEVER AUTHORIZED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. I HAVE SENT THEM EVERY SINGLE DOCUMENT THEY HAVE REQUESTED BUT YET THEY ALWAYS TELL ME NOT ENOUGH INFORMATION.
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 XXXX '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 XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$460.00} XXXX XXXX XXXX : {$690.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting late payments on 5 student loan accounts ( XXXX  ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Transunion, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Transunion should be aware that the United States of America and the Consumer Financial Protection Bureau has sued XXXX  for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was concerned to find inquiries that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion took off this bankruptcy and then put it back on to my credit report. This is a violation of the Fair Credit Reporting Act. Im asking for this to vertify that this was me who filed this bankruptcy.
Product: Debt collection

I got a phone call from XXXX at XXXX. I was in a loud place so I kept saying hello. A lady told me to lower my voice in a rude tone. I told her not to speak to me in that deragotory manner and she ultimately called me a XXXX. She never said a name of who she was looking for and was very aggressive towards me from the onset. I called back and demanded that all calls be stopped unless they behave in a professional manner. Secondly they behaved as if they had a right to threaten and harras me because they think I owe a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown charge-off on my credit reports. Im requested the verification of the collection and the method of verification. BANK OF AMERICA Opened XXXX XXXX, XXXX For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX  account has been ILLEGALLY RE-AGED. This account is too old to be on my credit report and needs to be deleted. The date of delinquency far exceeds the 7 year window and I have not communicated, contacted or made ANY arrangement with XXXXXXXX XXXX to pay any portion of the debt that was charged off since the date of delinquency began. This account was opened more than 11 years ago and I have not made a payment on that account since that time. My credit report shows the last payment made as XX/XX/XXXX. In actuality, I HAVE NOT made any payments after XX/XX/XXXX. I have not had access to this account/credit since XXXX as well, The FCRA states that civil suits, civil judgments, paid tax liens, accounts placed for collection, and records of arrest can only appear for 7 years. Unless XXXX XXXX can prove that the date of delinquency began prior to the XXXX YEAR window closing ( after XX/XX/XXXX ) and/or can prove that I made a payment on XX/XX/XXXX, I demand that this line/account be deleted and removed from my credit report. If this account is not COMPLETELY deleted from my credit report, I will take LEGAL FEDERAL ACTION for every falsely reported discrepancy on my credit report from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX University for the ongoing inaccurate reporting of late payments on my credit report. Despite my repeated attempts to resolve this matter, including contacting XXXX University and the credit bureaus several times, the issues remain unresolved. 

Here are the details of my situation : Creditor : XXXX University Account Number : [ Your Account Number ] Inaccurate Late Payments Reported : XXXX entries since XX/XX/XXXX In XX/XX/XXXX, I received a letter from XXXX University confirming that I do not owe any balance. However, they continue to report multiple late payments to the credit bureaus, which is causing significant harm to my credit score.

I have disputed these entries with the credit bureaus ( XXXX, XXXX, and TransUnion ) on several occasions, but the inaccuracies persist. The continued reporting of these late payments is not only incorrect but also potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy, and 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. 

The actions of XXXX University and the reporting agencies have violated my rights, and I request that the CFPB investigate this matter and help facilitate the correction of my credit report. I believe that I have taken all necessary steps to resolve this issue directly with both XXXX University and the credit bureaus without success. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The account detailed in tbe attachments isnt mine. XXXX just completed an investigation of this account and results had it removed. 

The credit XXXX account this account is tied to never existed cause I cought it immediately notifying them I didnt open this account which is why there no documentation showing the card was ever mailed out when I search accounts tied to my social with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 5213K under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am victim of crypto currency scam. The XXXX was the platform acted like a genuine platform, and asking for money transfer, i became victim and i kept transferring money to the platform, need your help in recovering my money. 

The details are provided in the attached document
Product: Credit card or prepaid card

I clicked through a link with XXXX to apply for an American Express platinum card - the link offered a benefit of 125,000 American Express Membership Rewards Points plus 15X points on restaurant spend. My page timed out, and I continued my application later. When I was approved for and received the card, I found out my offer only gave 10X points on restaurant spend ( a potential loss of 125,000 additional membership rewards points ). Amex refused to honor the original offer after speaking to multiple levels of their management. 

I asked to close my account and reapply for the offer, and they said that I was only allowed one offer in a lifetime, and if I closed my account not only would I not get the lower offer they gave me, but I could never get an offer again on the same card. 

This practice is not only misleading, but it is harmful to the customer in the case of a misunderstanding to preclude / prevent another application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX Notification of Account in Litigation Dear, Experian I am writing to formally inform you that the account XXXX XXXX XXXX associated with your company is currently in litigation. As such, I am unable to engage in any discussions regarding this account until the legal matters are resolved. 

I appreciate your understanding in this matter. Please confirm receipt of this letter and your acknowledgment of the account 's status. 

Thank you for your attention. 

Sincerely,
Product: Debt collection

XX/XX/2020 no message Midland Credit Mg XX/XX/2020 no message Midland Credit Mg