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

We have made several attempts with Ann Taylor to correct the inaccurate information on our credit report. Account was paid in full and close XX/XX/2020. However, Ann Taylor has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, Ann Taylor has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to Ann Taylor trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and Taylor reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against Ann Taylor!
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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: Money transfer, virtual currency, or money service

I submitted a dispute and it was denied in less than a minute after I submitted. They never provided me the reason for the dispute being declined.
Product: Checking or savings account

A XXXX representative called me with phone # XXXX on XXXX XXXX. Saying somebody was trying to purchase an XXXX XXXX XXXX XXXX on my XXXX account. So he told me, he had to change my old account and reopen a new one because this account is being compromised. Of course I believed him, thanI received an email and a text from him the XXXX to verify my account. They Send me my bill and send me a 2 REFUND CODE ( XXXX & XXXX ) on my email address thats XXXX has on file this # XXXX under XXXX XXXX. long story short. The code they sent to my email ended up being XXXX & XXXX. I have the emails as proof. Ive filed a claim with Chase bank claim # XXXX. They denied my claim on XXXX XXXX. With a letter stating No action will be taken. 
This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month. 
This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month.
Product: Vehicle loan or lease

Overpayment to {$590.00} Ally Financial claim check was cut in XX/XX/2022, which I never received. I got a letter in the mail claiming it was never cashed. They claim they cut another check which I again havent received. I keep calling every few weeks and all they do is say they will put in a request to have another check cut. 
Its the classic the checks in the mail. 
When you call you keep getting an overseas representative simply putting in requests youre not able to speak to the department that actually cuts the checks and this is just gotten ridiculous and very frustrating. 
They admit they owe me the money but I cant seem to get the check from them and this is a year and a half. Ive been waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage account for Specialized Loan Service account # XXXX which has been closed and paid off in XX/XX/XXXX. I notice a 60 day late reporting for me in XX/XX/XXXX.This is  hurting me tremendously and is completely inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

I had fraud on my account and and {$600.00} was taken out of my account ( closed now ) I cant get the dates when it actually happened. The guy disputed transactions on my account dont know how this person had access to my account once he disputed the funds were available and he took the money. BofA reimbursed me then yesterday they took {$590.00} out of my account in which I had No idea they were going to do this! This is fraud to me!!!!
Product: Money transfer, virtual currency, or money service

This complaint is about Navy Federal Credit Union XXXX Check No. XXXX dated XXXX XXXX XXXX in the amount of US {$85.00} payable to the payee appearing on the face of the check. 

The amount was debited by the bank ( Navy Federal ) from my account with them as of XXXX XXXX XXXX despite the check issued never have been gotten hold by the payee much less endorsed by nor being deposited in her account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX
Product: Credit card or prepaid card

Recently I was issued a new credit card from Aspire because it was alleged that fraudulent activity was detected on the initial card issued. The company did not return my {$99.00} activation fee and did not indicate how credit protection that I purchased would aid in this matter. Prior to fraud detection, I was only able to use 50 % of the available credit before purchases would be declined. As of this date, I have received a new card and recently received a notice that my auto insurance payment has been declined when there are sufficient funds to pay the amount due. The credit card verified there are sufficient funds but denied that the automatic payment was declined.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION XXXX XXXX XXXX XXXX ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX XXXX which alleges that I opened an account on XXXX XXXX, XXXX, and currently maintains a balance of {$1900.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

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

I do not owe any debt to my prior landlord ( The XXXX XXXX  XXXX  XXXX  in XXXX, XXXX XXXX XXXX , XXXX ). I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency ( XXXX XXXX XXXX ) and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with XXXX XXXX XXXX. My mail was returned because XXXX XXXX XXXX moved and left no forwarding address. I sent my communications to the address XXXX XXXX XXXX provided the credit bureaus and includes on their correspondence to me. XXXX XXXX XXXX is being intentionally evasive. It should also be noted that XXXX XXXX XXXX is not a reputable company as they have at least XXXX Consumer Financial Protection Bureau complaints ( mostly for improper debt collection practices ). The XXXX at Trails Edge, XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, Better Business Bureau and various other consumer affairs agencies when this debt was initially pursued in 2015. Pursuit of this debt constitutes fraud and harassment by my former landlord. I have attempted to work with TransUnion to have this item removed from my credit report utilizing the dispute process and have provided ample evidence that I do not owe this money. Including this debt on my credit report violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. As XXXX and XXXX can not prove damages, I do not believe my credit should be harmed. TransUnion is not doing proper due diligence to ensure the accuracy of my report. My report is a vital financial resource and damage to it creates great economic implications for me. I will file suit against my prior landlord and name TransUnion in that suit if they fail to promptly remove this item from my credit report. Pursuit of this debt constitutes fraud and harassment by my former landlord and TransUnion is complicit in that harassment given the validity their agency attributes to this debt by listing it on my report. Please note, I am an attorney. My damages are documentable and factual as I am attempting to purchase a home and including this item on my report damages my credit thus increasing my interest rate. Please note, I have also filed a Consumer Financial Protection Bureau complaint against XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX  XXXX  and XXXX XXXX XXXX , XXXX. ( complaint # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 This inquiry was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 In XXXX of 2022 I applied for credit with XXXX XXXX. I was denied credit and on XX/XX/202 I asked them to reconsider because of Equifaxs well known reporting problems. 

It appears that XXXX XXXX ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with XXXX XXXX and Equifax with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told XXXX that they had run my credit a second time within their 30-day grace period. This grace period was explained by XXXX that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the XXXX executive that my credit was in fact run a second time in the 30-day window. XXXX told me that it did not show on their files and told me that I should question Equifax and the 2 would resolve it. A copy of my Equifax inquiry record is attached. 

After I submitted complaints to Equifax over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called XXXX and got nowhere. It seems that XXXX XXXX and Equifax are incapable of resolving this. 

I have attached some of the responses that I got from Equifax in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against Equifax are taking 30+ days and still have not been resolved. 

Herein, I list the complaints related to XXXX XXXX and Equifax : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter from Javitich Block in XXXX, Ohio on XX/XX/2019 in matters regarding collections on a XXXX XXXX XXXX XXXX XXXX XXXX that the CFPB already settled with regarding this matter. I have yet to have had an independent review of my case from XXXX County Court and I believe at the time of the filing they used falsified documents to win a judgement in the matter. The collection attempts is a clear violation of the recent settlement agreements that the CFPB has with XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 30 days and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will seek litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a notification from my XXXX account transaction XXXX was sent back to the depositor PayPal in the amount of {$29.00}. In addition, I checked my PayPal account and notice the funds was not returned on my account. I then notice that transaction XXXX In the amount of {$19.00} was pending from a transaction dated XX/XX/year> and {$53.00} transaction no. Said pending since XX/XX/year>. I never asked PayPal to transfer my funds to my XXXX account. PayPal removed the above funds from my account without my permission.
Product: Money transfer, virtual currency, or money service

Dear [ Wells Fargo XXXX Department XXXX XXXX XXXX XXXX XXXX ], I am writing to report a fraudulent ACH payment made from my Wells Fargo account to XXXX XXXX. The payment was processed on [ date ], and I believe it was unauthorized and made while I was on XXXX potentially due to fraud. 

Here are the details of the transaction : Amount of Payment : {$140.00}, XXXX Date of Payment : Since XX/XX/year> to XXXX XXXX XXXXcipient : XXXX XXXX Transaction Reference Number : Different Transactions Case Issue : XXXX My Account Number : XXXX of your Wells Fargo account or card number At the time of the transactionXXXX XXXX XXXX XXXX XXXX and did not authorize or initiate the payment. I believe this was a fraudulent activity. I kindly request an immediate investigation into the matter and, if possible, a reversal of the payment. 

Please also take any necessary actions to secure my account and prevent further unauthorized transactions. I am available to provide any additional information or documentation needed for the investigation.

Wells Fargo State the following : I '' m not report this on time.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I'm sorry But you Guys are in major Violation Of the FCRA. after reviewing my credit report with my lawyer today and he Pointed out some Violation that I had Missed I need you to take a look at what you are reporting on a XXXX XXXX XXXX credit file account # XXXX you are reporting a Charged off account with a past due amount OF XXXX on a charge off how is this possible please explain? Violation 2 ) the account is reporting a balance of {$5400.00} this CAN NOT REPORT THIS WAY XXXX XXXX XXXX HAS SOLD THE ACCOUNT ONLY THE 3RD PARTY IS ALLOWED TO REPORT THE BLANCE.. ALSO YOU ARE NOT REPORTING WHO THE ACCOUNT WAS SOLD TO SO TRANSUNION I'M GOING TO NEED YOU TO DELETE THIS ACCOUNT IMMEDIATELY! THANK YOU FOR YOUR COOPERATION FCRA IS VERY VERY CLEAR ABOUT THIS
Product: Debt collection

I have tried on multiple attempts to contact this company called Wells Fargo due to they are showing up on my credit report as a alleged debt I owed since XX/XX/XXXX. As of today i have attempted to removed this debt from my credit profile due to this is reporting inaccurate. According to Wells Fargo On XX/XX/XXXX I allegedly opened an auto loan with them. Then they state that as of XX/XX/XXXX this debt was charged off. I have contacted them on three occasions on sometime in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked the company to validate and verify that this is my debt by sending me a copy of the contract that I have signed and agreed to the terms they are referring to due to I have had identity theft in the past around that time they are saying that i supposedly open this account. As of today I have n't received anything showing that they have validated this debt with my signature on a contract. I have contacted all three credit bureau 's to dispute and the credit bureaus continue to tell me its valid but will not provide me with how they have validated this debt. I have also tried to call the number on my credit report XXXX ( wells Fargo ) and I get sent on the run around with the company. I would like for this to be removed off of my account due to they do n't have my signature on file. I have lived in Las vegas in XX/XX/XXXX so I could not have gotten a car loan.
Product: Checking or savings account

On XX/XX/2020 the company rent to own took XXXX out of my account so I called in and disputed it and on XX/XX/XXXX I was refunded. Another merchant took money out so around XX/XX/2020 I cancelled my card and ordered a new one and specifically asked to make sure no one can take money out now right. They assured me that without the card no one can. I go to XXXX XX/XX/2020 never yet received card and even to this day never activated. Even shows on my account. Yet from XX/XX/2020 - XXXX XXXX I've had {$2000.00} taken from my account and from the exact merchant I disputed and was refunded and then merchants I've never before used even the transaction history proves that the very first transaction ever was after incarcerated. I disputed immediately after being released and was denied. I rebutted and was denied twice. Being told I will get a copy for reasons they are denied yet never received them and I have no idea how anyone can come to a denied decision anyways when this is completely there fault. I have a bunch of screen recordings of all the live chats and phone calls. As well as disputes. Please request documents in a email to me.
Product: Credit reporting or other personal consumer reports

I do not reside at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. And would like this address removed from XXXX and Experian Reporting Agency Consumer Report! 

And also I would like XXXX Reporting Agency to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Consumer Report! 

I have been and currently be residing at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

PLEASE HELP Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX