23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My first statement from the company was sent directly to my husbands ex wife at her address instead of mine which was provided on the application for credit. I was told by the company that this was a USPS problem but upon receiving the statement from my husbands ex, it was sent directly to her with no yellow sticker on the envelope & the USPS management not having anything on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

During XXXX I drove from XXXX to XXXX and used my Citi Bank card to buy gas on the road. My card was flagged for possible fraud and put on hold. I called and confirmed that there were no fraudulent charges. I was then asked to confirm my identity and faxed in a copy of my drivers license a copy of a bill under my name a copy of my marriage license and both my current social security card and the card under my maiden name. I was then told that that was not good enough information to confirm my identity and so I then sent a color copy of the front and back of my drivers license and signed the paper with my matching signature to the one on my license. In that fax I also included a copy of a current bill to again show proof of address. Once again I called in and was told that there was no supervisor working and no one can help me with my problem. When I told the woman on the phone during my last call that I would not hang up until I spoke with someone who could help she told me she had to disconnect the call and hung up on me. I have been dealing with this for over a month and can still not close my account. I need help and do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX of XXXX I submitted multiple letters to XXXX, Transunion and XXXX to please investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your reportXXXX XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your reportXXXXXXXX XXXX XXXX XXXX- please delete and remove this account from your report - XXXX XXXX XXXX XXXX- please delete and remove this account from your report- XXXX XXXX XXXXXXXX XXXX please delete and remove this account from your report- XXXX XXXX XXXXXXXX XXXX card services- please delete and remove this account from your report- 8787 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I sent Credito Real an Affidavit of Truth signed with notary present XXXX or around XX/XX/XXXX via certified mail and green return receipt They replied with a letter and not another affidavit of truth. They did not rebut any facts. 

On or around XX/XX/2018 I, XXXX XXXX XXXX administrated a consumer transaction with Credit Real USA on the organization behalf using my credit card ( my SSN ). Pursuant to 15 USC 1602 ( l ), the definition of a credit card is any card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

My Social Security Card was the credit card I used to administer this credit transaction in which a finance Charge was imposed on XX/XX/18. 
XXXX XXXX XXXX failed to follow federal Law 15 U.S.C. 1605 regarding a Finance Charge. 15 U.S.C. 1605 states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Credito Real Required me to put a {$4000.00} Cash down which is a violation of this section Also Credit Real USA has been collecting on this account that was Cleary already paid using my credit card ( SSN ) and still tries to collect on this account monthly As the original creditor pursuant to 15 U.S.C. 1602 only I can validate this debt and DO NOT validate this debt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report : XXXX number XXXX
Product: Money transfer, virtual currency, or money service

I have been a Western Union Customer since many years ago. On XX/XX/2023, I have been a Fraud Victim by sending money thinking I was going to get a loan ( Transaction Number XXXX ) for the amount of {$380.00}. Immediately I reported to the Fraud Division ( Case # XXXX ). During XXXX month, I tired many times to send money to my siblings, and then get this " error '' from Western Union ( XXXX Transaction Not Allowed ). Then after that issue, I submitted all the required documents to the website www.westernunion.com/gcr and filled their survey. Then, I received the same message that Western Union that my money transfer services have been discontinued and they don't want to tell me the reason because if their " internal politics ''. It's unfair that instead of punishing the scammers, Western Union punishes me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A TransUnion credit report was pulled on my name on XX/XX/21 by XXXX ( XXXX XXXX XXXX ) but I have not applied for a loan with this company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Cinsumer 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 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

These inquiries were not authorized by me and I strongly suspect their validity. I urge you to conduct a thorough inquiry and promptly remove them from my credit record. Supporting documents have been provided for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I got an alert stating that XXXX has a potentially negative unpaid balance from Synerprise Consulting Service for {$630.00}. Ive never heard of or received any type of communication from Synerprise Consulting Serv. Incidentally, XXXX wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recentXX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at XXXX. Every time I try to get a credit report, XXXX   doesnt know WHO I am.
Product: Debt collection

I contacted This company spoke with a collector told her I have no contract or account with them or their client XXXX XXXX, they where sent a copy of my theft report and police report numbers in a previous dispute with another account they bought from the same client. This is not my account. Also the original creditor was also provided the theft report and all other documents. They received another account balance {$560.00} I got a letter called and disputed the same day, told the rep they have the police report in which this account is also on. Portfolio Recovery sent me a letter saying the other account has been verified as fraud & was closed and will not be reported to the credit. I am requesting a original contract with signatures from Portfolio Recovery and their client XXXX XXXX. I would also like a letter stating this account is also closed and Not on my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute off this negative account on my credit report. 

Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a FTC Report for IDENTITY THEFT for inquiries I did not authorize anyone to use my personal information nor did they have a permissible purpose 15 USC 1681b.
Product: Debt collection

Purchased item from XXXX XXXX catalog that was defective. Called company and returned item via mail. Received a statement, called and explained that this was taken care of. Never heard from them again. Couple of years later ( 1-2 ) I received a letter from a debt collection agency, the above one, called them once or twice and write letter. Never received response, assumed it was cleared. This should be cleared from my history.
Product: Checking or savings account

XXXX of last year I transferred XXXX to Wells Fargo from XXXX  XXXX XXXX. On XX/XX/XXXX XXXX  XXXX XXXX closed my account and Wells Fargo did the same and returned the XXXX to XXXX XXXXXXXX XXXX XXXXk XXXX XXXX claims that they have never received the money and that Wells Fargo never sent the money to them, which is false by the documentation that I Have. I need Wells Fargo to verify that the money was indeed returned to XXXX XXXX XXXX.
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and protection consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Navient Acc # XXXX 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 consumer reporting agency can not can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.
Product: Credit card or prepaid card

Chime have a hold on my account and will not take the hold off of my account I send them everything they ask for 5 or 6 time and the still want give me my money I don't know why they want give me my money because all I get is a once a month check because I receive ssi and I need my money to survive please help me if you can
Product: Checking or savings account

On XX/XX/2021 My daughter was victim of fraud. I was not aware of it because even though it says the account features parental controls did not happened. My daughter shared her login info with a friend and the bank did no make me aware of. Then a check for {$1200.00} were deposited on her account. As the parent never received any notification from the bank. Then my daughter XXXX XXXX {$500.00} from the account and I was not aware of any of these transaction. My daughter 's account was overdrawn yesterday and finally the bank had emailed me on the XX/XX/XXXX, stating the account is overdrawn. This morning my daughter rather came to me and told me what happened " On XX/XX/2021, I received a message from one of my acquaintances from school on XXXX  saying that she needed someone's bank account to put in money and then for that person to XXXX XXXX it back. I assumed it was someone from school because I've had them for a while added and I knew it was them. I agreed and then they gave me their phone number and then they told me to I've them my account info so they could deposit the check. They wanted to make sure that the money worked so they asked me to XXXX XXXX  those XXXX dollars. I did that and then told them to XXXX XXXX it back but they just said I'll have that money back when the money comes through on Monday. It did come through. When the money came through allegedly, they pressured and insisted that I should XXXX XXXX them XXXX dollars in different payments. I did it because I wasn't about to steal someone's money because that's not who I am. Nonetheless, they received and I thought everything was fine. Until the next day when I see my balance is XXXX, I started freaking out and kept asking them why that happened. They told me that that money will bounce back and I believed them because I didn't know better. I finally realized what was going on after this number blocked me. " As the parent and cosigner in the account. I called immediately the bank. I was in disbelieve that with all parental controls this kind of fraud was done to my family. Because the XXXX XXXX  are not optimized in Capital One. I did not received a notification of the transfers my daughter was doing out of her account. I mean this is a XXXX  year old account that had under {$100.00} for her allowance and because the app and the XXXX account lacks a better parental control my family and I had to paid this criminals {$500.00} and bank stated to me that there was nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of accounts showing on my Experian Credit report that I do not believe are mine. Experian has failed to provide a method of verification to prove these accounts belong to me and should remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told the item for XXXX XXXX XXXX  account XXXX was deleted.. When I pulled the full report it is still on my credit report not deleted.
Product: Credit card or prepaid card

I started receiving PA unemployment / Pandemic relief benefits on XX/XX/20 thru direct deposit. Then received notice that due to suspected fraud I would be receiving payments via Reliacard. I have not received a card or payment since XX/XX/20 ( over 3 months ). Finally got in touch with Reliacrd, and discovered there was a type-o on my mailing address. Corrected that, then the representative informed me I would receive an email in 5 days to tell me how to proceed. Its been over 8 days and I have not received the email, nor can I get in touch with a Reliacard representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.
Product: Payday loan, title loan, or personal loan

I applied for a loan online through Upstart ( located in California ) ( financed through XXXX XXXX XXXX, XXXX, NJ ) on Sunday, XX/XX/19 and it was approved and the funds were already in my account within 2 business days on Tuesday XX/XX/19 totaling {$44000.00}. I decided I did not want to proceed with the loan and on the same day on XX/XX/19 I received the funds and I sent back the payment in full of {$44000.00}. I contacted Upstart and let them know I wanted to cancel the loan and had sent back the payment in full, and was told I had to pay them an additional {$4000.00} on top of the money I received for my account to be considered " paid in full '' for the " financing fee '', although this all occurred within a 2 business day period. The did not apply the total money to the loan balance and the " finance fee '' continues to grow daily at a rate of 25 %. Loan # is XXXX. I would like the account closed, considered " paid in full '' or " cancelled '' and removed from my credit report. This is a extremely predatory practice.
Product: Vehicle loan or lease

Got a credit loan back in XX/XX/XXXX XXXX XXXX been trying to close this loan ever since the car got stolen from the mechanic shop and got totaled loss from the adjuster now with that being said the vehicle was picked up by the insurance and I havent had the vehicle for over XXXX years now still trying to dispute off my credit. I tried XXXX times already sent letters and still it was revolving on my credit.