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

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted from my file right away. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 confidentiality under 15 USC 1681. These accounts have affected me in so many ways to gain credit cards, buying a house for my family and I find it very interesting that my personal information about my Child support is showing on my credit report inn way that is vary illegal not just being on there but it in a position that it's an instalment loan which is weird you can't borrow money for child support I didn't sign a contract for that amount of credit Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX Account name : XXXX  XXXX  # XXXX Account : name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX THESE Accounts are stopping me from buying a house for my boys I'm a single father who is trying to make a difference in my children 's life accounts like these 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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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

On XX/XX/2018 I purchase a NetSpend prepaid card in the amount of $XXXX for my son to use on his XXXX games. I active the card in my son's name and social security when I got home. I have some issue with the activation so the next morning I called Netspend to inquire why their was an issue. I was informed by the rep that my son was too young to get the card and I would need to submit my information if I want get the card in my name. I told the rep I did want to send my information to Netspend and I would like my refund back. I was informed that I would get my refund within 14 days it's been a month and 4 days and I have not received my refund I called every day and they informed me that it been escalated to their accounting department and I should wait everyday is the same story.
Product: Credit card

I was very busy with a sick child and went to pay my bill 5 days late today. 

When I got to Toys R us Credit CArd to paymy bill there was a {$25.00} late charge on a {$140.00} balance. Which is about 18 %? What are the rules for this percentage? 

I have not been late before and this appears to me to be excessive. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report was impacted by XXXX, XXXX and Experian data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

1/ As part of a company reimbursement, I received a crypto-transaction in the form of XXXX via the XXXX network in the amount of {$44000.00}.

2/ The Binance account from the sender had XXXX as an option to send to my Binance.US account, per the image included in XXXX, in which XXXX is the domicile of the operating company.

3/ The funds were properly received per the transaction hash, which is verified by the attachment labeled " transaction verification. '' 4/ The account on Binance.US shows that the XXXX was received and acquired by my Binance.US-custodian wallet, but for the last 10 days, it has been under " awaiting confirmation. '' I have no able to access the funds. 

5/ The website for Binance.US includes support for the XXXX network. 

6/ My funds are unable to be recovered, and given the amount of roughly {$45000.00}, I will be in significant financial distress if I can not get these funds recovered or sent back, as I am personally liable for the reimbursement charges.

7/ XXXX  transactions are irreversible, so the best solution would be for Binance to return the funds back to the original sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} Medical XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently reviewed a copy of my credit report and noticed unrecognized and unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a few letters to Credit Bureau in order to dispute fraud accounts that I detected accidently by checking my credit report. I submitted dispute letter to XXXX and after my dispute XXXX blocked my report and now I CAN NOT even see my report, besides XXXX didn't even response to my dispute. Transunion not even did investigation, eve thou i mailed my letters via certify mail. 
Here is accounts that should be deleted from my report immediately : 1. This is a duplicate account US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This is a duplicate account DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Debt collection

I contacted this company numerous times to try and understand the debt. I have three different reports from the same company and seems to be the same debt with different amounts. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous and sick, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Product: Money transfer, virtual currency, or money service

My tax refund for my XXXX federal taxes was deposited into someone elses account on XX/XX/XXXX. I bank with XXXX XXXX, my refund went into a TCF Bank account- not in my name. 
I gave contacted the Irs, several occasions, most recent time was in XX/XX/XXXX, stating that they requested the money back from TCF, with a 90 day window to respond. TCF never responded. IRS at this point tells me I have to go and deal with the bank directly. 
Before I contacted the IRS in XXXX, the IRS completed a money tracing, I got a letter stating the account and institution that the l mi bet was deposited, it was aTCF bank. I went in to local TCF branch, bank manager confirmed that my refund was indeed deposited into the account the Irs sent. He stated that someone at the bank had made a mistake clearing this refund into an account not matching the refund name and social security #. He took copies of all the documentation as well as my personal information, stated that it would be submitted to the fraud department. No one ever contacted me.

Again, I just contacted the Fraud department at TCF, spend about 2 hours on the phone with them, first person I spoke with confirmed the deposit, however stated that the bank couldnt do anything for me since I was not a client. Advised to called IRS again. I asked to be transferred to someone else, again the transaction was verified, I was told that the would be able to submit a refund request from that account, he placed my call on hold and came back to the line and stated that he was incorrect that I have to have a 3 way with the IRS for them ( irs ) to confirm it was my deposit. 
This has been going for about a year, I keep going by what the IRS is telling me, at this point I am extremely frustrated and dont know where else to turn, this refund was a little over {$4000.00}. 
I need help!! 

Ps I have filed a police report as well. It is still pending investigation
Product: Checking or savings account

Chase Bank has been blocking online access to all accounts for several weeks. They are forcing acceptance to a XXXX XXXXXXXX XXXX agreement. This PDF is 125 pages long! I do not have the time, patience, and possibly the competence ( due to the complexity and length of legal language within ) to fully read and understand such terms. This is an abuse of power by one of the few national banks, to a decades long customer.
Product: Checking or savings account

Wells Fargo bank after XXXX XXXX would support XXXX, a large Wells Fargo client, terminated my XXXX checking accounts and savings account. Bad banking business relationship. Nothing further given. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # : XXXX DOB : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 

With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : Truist Bank XXXX - {$7600.00} Truist Bank XXXX {$14000.00} XXXX XXXX XXXX XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX {$20.00} XXXXXXXX XXXX XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI ( XXXX ) advertises 0 % interest on 4 monthly payments. However, when the order is placed they then say there is a {$9.00} charge for the XXXX installment, and a {$4.00} charge for each of the remaining XXXX installments ( totaling {$24.00} ), making a effective interest rate of between 1 % and 5 % depending on order size, etc. This is NOT disclosed on the page where the product is ordered ( page XXXX ) but on page XXXX in small print at the bottom of the page. There is no asterisk on page XXXX telling the consumer to go to page XXXX to read the details. This is totally misleading and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.

The following items need to be removed and blocked as they are fraudulent.

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

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT NATIONAL CXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report : SPECIFIC DISPUTED ACCOUNTS : 1. [ Account Name ] Account Number : [ XXXX ] Disputed Entries : [ Late Payments in XXXX ] Reason for Dispute : These entries are incorrect. The account was paid as agreed. 

LEGAL BASIS FOR DISPUTE : Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby dispute these entries based on the following legal provisions : 1. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : - I did not provide authorization for the reporting of these disputed items.

2. 15 U.S.C. 605B : - It is illegal to report information on my credit report without my explicit permission. 
- These unauthorized entries must be immediately removed from my credit report. 

3. 15 U.S.C. 1681i ( a ) : - You are required to : a ) Conduct a reasonable reinvestigation within 30 days of receiving this dispute b ) Remove any information that can not be verified by the creditor c ) Provide me with written results of the investigation REQUESTED ACTIONS : 1. Investigate the disputed accounts with the respective creditors 2. Remove all unauthorized and unverifiable information 3. Provide an updated credit report reflecting the corrections 4. Notify all previous recipients of the report about the corrections DOCUMENTATION REQUESTED : Please provide : - Proof of authorization for reporting these entries - Original account documentation - Verification from the original creditor I emphasize that under FCRA Section 605B, the reporting of information without my permission is explicitly prohibited. I demand immediate removal of these unauthorized entries.
Product: Credit card or prepaid card

I am writing about my account with Wells Fargo Account # XXXX which I addressed previously via the CFPB in regards to the late pay reported in XXXX 2020. I did get a response dated XXXX/XXXX/2020 to which it says they can not honor the CARES ACT to update the account in XXXX 2020. In my previous complaint I addressed Covid being the reason the late occurred in the first place and an accommodation was made were fees were waived. Since the accommodation was made no reporting should be reflected in XXXX 2020. 

You state the payment was reversed which is exactly the effects of covid causing that to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into wallet and credit cards was stolen fraud happened to my account fraud department froze my account so I wasn't able to make payment because I didn't have credit cards and they froze my account so I received 60 day late on credit report l.Since than I have made payments to get back on track. Police reports were made in XXXX and XXXX of 2022 Elan financial credit card.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email stating that I was declined for a loan from NetCredit.com because they could not validate my information. I did not apply for this loan and received no funds. I reached out to them to notify them of the fraud and to deleted the account and rescind any credit reporting they may have submitted to the bureaus. They immediately declined and told me I had to submit a police report before they would take any action ( they even asked me to include my current banking account information in that report?? ). They told me that because of their privacy policy, which I consented to when I applied for the loan ( even though I just told them I did not apply for the loan ), they could not delete my personal information ( though obtain fraudulently ). I asked if they could at least provide the last four digits of the bank account that would have gotten the loan, and they have not responded. I just wanted to verify it wasn't a current account. I then simply went on their website, signed in ( after updating the password ), and got the application and the information I had asked for ( that's just poor customer service imo. They could have instructed me to do that on my own ). I determined on my own that the application had very old account and telephone information, and got the IP address the applicant used to apply ( turns out it was from a XXXX XXXX XXXX XXXX in NY. I worked for XXXX for almost 20 years, but left in 2022 ). They have yet to provide me with any assistance and I have escalated my complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account name : XXXX Account number : XXXX Amount : {$110.00} Account name : XXXX Account number : XXXX Amount : {$200.00} Account name : XXXX Account number : XXXX Amount : {$310.00} Account name : XXXX XXXX Account number : XXXX Amount : {$4500.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity.

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX