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

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Fraud report TO WHOM IT MAY CONCERN : Dear Sir/Madam ; My name is XXXX XXXX XXXX XXXX XXXX resides at the above mentioned address in XXXX, Maryland. My last four of SSN : XXXX. I work with : XXXX XXXX, XXXX as XXXX. I received a copy of my credit reports from XXXX, XXXX, Experian and XXXX with the intention of trying to improve my credit and take care of my responsibilities, but noticed a little information on my credit report that seems inaccurate, inconsistent & unverified, and I need it fix immediately. They are not reporting consistently, and accurately about my information, which I identified as some discrepancies. XXXX, and Experian repots on my credits that on XX/XX/2022 an unknown & unauthorized individual fraudulently attained my personally information and made claims to a company called : XXXX, at address : XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX through 'Inquiries ' which has impacted my credit, and credit scores negatively. I contacted these consumer reporting bureaus to dispute, which processes are ongoing, but they requested me to contact your office to report as a way to initiate the dispute process so they can delete the information from my credit report and update my account. I read the Fair Credit Act where it says by law, I have the right to challenge anything inaccurate, unverified, inconsistent. Some of the people reporting things on me are not reporting accurate information.

However, according to 15 U.S.C Sec. 1681 ( a ), ( b ), ( e ), ( f ) which guaranteed me, or any consumer constitutional rights guaranteed by law. This law basically guarantees consumers rights to 'consistent-accuracy about reporting. This particular incident is a 'fraud ' and is an identity theft affecting me and my credit reports. This reporting process does not meet compliance standards in guaranteeing my civil rights as provided by compliance standards. Henceforth, it is upon these legal grounds I request you initiate an investigation, and request them to delete any, and all information about me in their companys system because they are inaccurate, and it compromised my identity. Kindly investigate, correct and update my information. Once confirmed I request you provide me an update as soon as possible in the next 30 days as prescribed by law.
Product: Credit card or prepaid card

XX/XX/21 attempted to make a purchase in Discount Tire using my Discount Tire credit card issued by Synchrony bank; learned that the account is closed. Called Synchrony bank and had very poor customer experience : First XXXX told me card was closed due to delinquency and low credit score - I never had any delinquency in my life and my score is XXXX. Since XXXX  did not seem knowledgeable, I asked to speak to a XXXX. I was on hold for 40 minutes " XXXX XXXX '' came to the phone, mumbled something that sounded like having to place me on hold again ; I was placed on hold again, and could not wait more ... at this time I was already on hold for an hour and I have had enough I decided to use other phone and call again, hoping to get someone that can assist ; the representative advised account was closed due to inactivity. He also advised that they are not required to send me the letter about account closure. 

I still can't believe that I spent over an hour and could not have any knowledgeable person to assist. I would not recommend this financial institution to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my FICO credit score I found a drop in my credit. When viewing the reason as to why it dropped, it stated a " seriously delinquent '' account reported by Experian. However, when all credit reports were gathered, all accounts were current and paid as agreed without delinquency. When contacting Experian and speaking to a customer service rep, she stated that there was a mistake but that is would have to be elevated to someone else to fix. I have not heard back from them and when I call there is an automated phone directory that never reaches a representative or has a dedicated line to resolve issues that I have. 

Agency : Experian Original contact : XX/XX/2020 Spoke with customer Service : XX/XX/2020 Case Number : XXXX Follow up call:XX/XX/2020 - No response, went through automated phone directory with no resolution. 
Follow up call : XX/XX/2020 - No response, went through automated phone directory with no resolution. 

There is still a reported " Serious Delinquency '' on XX/XX/2020 while current credit reports for XX/XX/2020 state " all accounts paid as agreed ''. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. I have lived at XXXX XXXX XXXX, XXXX TX XXXX since XXXX. I attached my lease from XXXX to Now. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.
Product: Credit reporting

My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?
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 and 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 set 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: Credit reporting or other personal consumer reports

I applied for credit at several places and was denied due to a security alert I never placed on my credit reports/bureaus. Now I have hard inquiries on my report that I feel should not be there since I never authorized such security alerts etc. My most recent denial was with XXXX XXXX store, spoke to them and they advised they couldnt verify because of security alert.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). 

Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XX/XX/year>, I have reached out to Experian and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Experian on XX/XX/year> stating that they had validated the debt and verified it to be accurate. The problem with this statement is that they did not nor did they provide verification as to how the debt is owed as requested in my prior letters to them. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on XXXX separate occasions and no further action has been taken. I've been getting the complete run around. On or around, XX/XX/year>, the 30 day time period had passed from the date I mailed my last correspondence to them. And, I still hadn't received any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. 

During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. 

Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Experian has done me a complete disservice in not properly investigating this debt on my behalf. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. 

I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$50000.00} dollars from my checking account to Betterment LLC. I had forgotten about a few items coming out of my checking and so attempted to withdraw {$10000.00} the next day. The withdrawal said that it would be 1-2 business days depending on when I submitted the transfer. This was on XX/XX/2020. On XX/XX/2020, it was still not in my account but in betterment the funds were showing as withdrawn. I submitted a help ticket to Betterment and was told that the funds would be sent the night of XX/XX/2020. I think this is false advertising. The company has since shown me fine print that says, '' '' Transactions can be subject to processing delays in certain circumstances. 
While 1-2 business days is generally the expected withdrawal timeline from Betterment Everyday Cash Reserve, withdrawing funds soon after a deposit can trigger a temporary hold on your withdrawal. This hold should last no longer than 4 business days. If further action is required on your part, we will let you know. '' While it is part of their policy, this seems very deceptive to me.
Product: Credit reporting or other personal consumer reports

I reached out to Experian to dispute the reporting of wrong Social Security numbers, wrong addresses and incorrect spelling of my name and they opened a dispute and turned around not even 24 hrs and messaged me back about dispute being resolved but nothing was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks.
Product: Student loan

They left me on income based driven while I was in school three years. And will not adjust my account
Product: Debt collection

Dear Sir or Madam, Re : Request for Assistance with Creditor Collecting Unknown XXXX Plaza Services XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX I am writing to request your assistance in resolving an issue with a creditor that I have no known involvement with, they are attempting to collect a debt of which I have no knowledge. The details of my situation are as follows : I received a communication from the above-mentioned creditor regarding an outstanding debt. However, I have no record or knowledge of this debt, and I am concerned about the accuracy and legitimacy of the claim. 

Due to a recent notification from XXXX XXXX XXXX regarding a data breach, which my social security number and address may have been accessed without my consent. 

Upon receiving the initial communication, I promptly contacted the creditor to request detailed information about the debt, including the account name, address the amount owed, my signature, and any relevant documentation supporting their claim. 

Unfortunately, I have not received a satisfactory response from Plaza Services As a consumer, I am entitled to accurate information and fair treatment in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Given the lack of response and clarity from the creditor. 

I am seeking the CFPBs intervention to ensure this matter is resolved appropriately. Specifically, I request the following assistance : 1. Verification of the debts legitimacy. 2. Provision of all relevant documentation supporting the debt claim. 3. Assurance that my consumer rights are protected during this process. 

Enclosed with this letter, you will find copies of all communications I have had with the creditor to date. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX XXXX  I do not have a contract with XXXX XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )
Product: Vehicle loan or lease

My lease with XXXX XXXX terminated in XX/XX/2017. I turned the vehicle in on XX/XX/2017. The remaining 2 payments were made. There was to be a termination fee charged if I did not lease another Hyundai within 30 days. We moved to XXXX XXXX on XX/XX/2017 and my intention was to lease a Hyundai immediately. As you may be aware, hurricane Maria struck XXXX XXXX on XX/XX/2017. It was physically IMPOSSIBLE for me to lease another vehicle within 30 days. Dealerships were closed, power was out for months, etc., etc.. XXXX XXXX was notified of the situation and they just did not care. They insisted I pay the fee. I refused based on the circumstances. I filed a formal complaint with XXXX XXXX ( # XXXX ). Hyundai basically said the hurricane was not their fault and they would never waive the fee. My credit score went from being in the 830-850 range all of my life to the low 700 's. I feel at best they should have shown some compassion and waived the fee and at worst they should not have attempted to ruin my perfect credit.
Product: Student loan

OnXX/XX/XXXX as previously before I disputed the accuracy of the late payments in my credit file in regards to the Navient accounts on my credit file. Navient keeps verifying the information is accurate without providing me with documentation. Complaint I am a prior service member and I was charged more than 6 percent on my loans. It was my understanding that my loans would be in hold as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX and XXXX XXXX Account number XXXX have 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 that a consumer agency can not furnish an account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Mortgage

I was contacted today by my mortgage company advising I have not paid my XXXX Mortgage. I was told I had a returned check from the bank and was charged a returned check fee. The escalation rep, XXXX, XXXX, advised my account number was " changed '' in XXXX and would not credit me the return check fee. I have been paying Ocwen with the same checking account for approx. 12 years and I have NOT changed it. I also have made my payments on time. I want the XXXX return check fee credited. My bank also has no returned payment fee on my account.
Product: Credit card

RE : XXXX order XXXX, placed on XX/XX/23 The Issue : Target XXXXCard is refusing to offer a chargeback on a return lost in transit. This is despite the fact that the item 's value ( USD {$280.00} ) was returned to XXXX by XXXX - the party responsible for the loss- via a claim issued on XX/XX/23. 

Background : On XX/XX/23, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX that arrived in damaged condition. 

To resolve the issue, I reached out to Target Guest Services on Saturday, XX/XX/23 to share my disatisfaction and request to return the item to XXXX by mail for a refund. XXXX XXXX Guest Services team shared a XXXX return label - shipment XXXX - on XX/XX/23 and advised that a carrier ( XXXX  ) would pick the item up on Monday, XX/XX/23. 

The item was to be delivered to one of XXXXXXXX XXXX return warehouses located at : XXXX XXXX XXXX XXXX, IN XXXX The item was picked up on XX/XX/23 as scheduled and subsequently lost by XXXX on XX/XX/23. I reached out to XXXXXXXX XXXX  Guest Services Team on XX/XX/23 to notify them of the loss and seek resolution. Despite repeated outreach, I received minimal assistance. 

On XX/XX/23, I was called by to a XXXX Guest Services reprenentative to speak about a XXXX XXXX XXXX XXXX XXXX XXXX complaint I'd raised regarding this issue. On that call, I was advised to pursue a cargo claim for the item. I was further encouraged to do this in a written response on XX/XX/23, which is currently posted on XXXX XXXX XXXX XXXX complaint 's page. 

After working with XXXX for weeks on a resolution, XXXX conceded that the item - a box standing at XXXX feet and weighing XXXX pounds- was lost in transit and could not be retrieved. To resolve the issue, XXXX issued a claim to XXXX for the purchase price of the item ( USD {$280.00} ) on XX/XX/23, pending the receipt of a short request form and a document verifying the sale paice of the item. 

Despite being credited, XXXX refuses to honor XXXXXXXX XXXX resolution and has denied to refund me for the return. I'm also unable to work directly with XXXX on this issue any further as XXXX only issues claim payments to the label senders ( i.e., the person/entity that creates/pays for the label ). 

XXXX presumably knew that I could not be issued a cargo claim payment when they recommended that I pursue that course of action. ( Note : I was told on my call with XXXX XXXX Guest Services representative that this is what is 'usually recommended ' to customers in similar situations. ) It should be stated that, by design, XXXX does not allow customers to use self-generated labels. Also, ehrn requesting returns, customers can not take any other precautions to make sure that their packages are properly insured in the event of a loss. Labels are also only provided for two carriers ( XXXXXXXX XXXX XXXX ), both of which only issue claim payments to the shipper/merchant if an item is lost or damaged in transit. Because of this stipulation, if an item is lost or damaged while in a mail carriers possession, XXXX customers have no way to recoup payment for lost item - especially if they used a XXXX branded card for their purchases. 


Sincerely, XXXX XXXX
Product: Debt collection

Capital One Bank Date Opened XX/XX/XXXX Date Of 1st Deliquency XX/XX/XXXX 1st Reported XX/XX/XXXX Im disputing this as fraud I never got a capital one card an used someone opened a account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX )
Product: Debt collection

The XXXX, has been harassing and using abusive tactics to collect a debt that should be considered a conflict of interest. However the practices that has been implemented includes misleading and deceptive practices, false narrative that includes threats of prison.