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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

End lease was satisfied ( 24 month ) dealerships were closed Ford credit said to turn in the lease when they opened I did the day the dealership was opened I received a credit update that my score went down and found out they reported 2 payments late when I paid every payment on time and called Ford credit to give them updates as when the dealership would be opened
Product: Debt collection

I paid the account off and they still report late payments and will not remove them selfs from my credit reports
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Incorrect Reporting of a Closed Account as Open Dear XXXX Dispute Department and XXXX XXXX I am formally filing a complaint regarding an error in my credit report that is negatively affecting my Debt-to-Income ( DTI ) ratio and my ability to secure a mortgage. Specifically, XXXX is reporting an account KIKOFF INC xxxxxxRXFG as open, despite the fact that this account has been closed. 

This inaccurate reporting is significantly impacting my financial profile by inflating my outstanding obligations, which in turn harms my XXXX ratio and directly affects my mortgage eligibility. Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to maintain accurate and fair reporting practices, and this misrepresentation of my account status is a clear violation of that requirement. 

I request an immediate investigation into this issue and demand that XXXX correct my credit report to reflect the true status of the account as closed. Additionally, I ask for a written confirmation once the correction has been made. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities to ensure compliance with federal credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX , XXXX XXXX XXXX , and XXXX  XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 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 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, credit repair services, or other personal consumer reports

XX/XX/2022, I was told by Comenity Bank call center representative XXXX, that my XXXX credit card with comenity bank had been sold to a 3rd party called XXXX XXXX due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to XXXX XXXX to make my payment. I contacted XXXX XXXX XXXX MO on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call XXXX XXXX as well as Comenity Bank over and over again, I even tried to dispute with my bank. I was told by Comenity bank that XXXX XXXX has not sent them the check yet. I was told by XXXX XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XX/XX/2022 I spoke with a supervisor by the name of XXXX XXXX with Comenity bank, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to XXXX XXXX my account was reversed BACK TO COMENITY AND NO LONGER WITH XXXX. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted comenity bank and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay comenity bank in attempts to zero out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using 93 % of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my zeroing out my balance.
Product: Debt collection

An employee of Radius Global Solution called my cellphone in regards to an alleged debt. The employee named XXXX XXXX stated on a recorded line that I owe money to this company and he also stated on this same recorded line that the company called 30 times since XX/XX/2021. Stating that I owe money and the repetitive calls ( harassment ) are both violations of 15 USC 1692.
Product: Consumer Loan

Parties : XXXX XXXX - Plaintiff Chase Auto Finance - Defendant XXXX XXXX XXXX XXXX - Defendant My name is XXXX XXXX. I owned a XXXX XXXX XXXX XXXX with a lien and loan at Chase Auto Finance. 
My Vehicle was hit by third party on XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX insured the third party driver. 
XXXX XXXX totaled the vehicle on XXXX XXXX, XXXX. 
XXXX XXXX and Chase worked together to communicate the full payoff quote. 
XXXX XXXX paid the account in full with Chase on XXXX XXXX, XXXX. 
I received documentation from both XXXX and Chase Auto Finance on XXXX XXXX, XXXX, that my loan is paid in Full with Chase and Chase has released the lien on the vehicle. 
Several months pass by and I then received a letter from Chase stating I 'm negative on my Auto Loan. I then started receiving collection calls from Chase. I called Chase to state this account is paid in full and they say no, you owe us {$7500.00}. I state, I do not owe any money on this account, I have letters from Chase stating paid in Full and lien released. 
I then contact XXXX XXXX to inquire. XXXX XXXX Total Loss contacts Chase to conduct an investigation. XXXX XXXX contacts me XXXX XXXX to say that the error is on Chase to please contact them to correct. I contact Chase and they say no, its on XXXX XXXX to correct. 
Chase is now reporting negatively to my credit report, showing 60 days past due and delinquent. I have better credit and do n't have delinquencies except this from Chase. 
This negative delinquency on my credit report is causing me a hardship to purchase a mortgage as since this has been added to my credit my score has dropped almost XXXX points. 
No one at Chase Auto Finance or XXXX XXXX XXXX is helping in this matter. Each side continues to point the finger at one another as I get squeezed in the middle. 
Please help as I have been going back in forth with these two companies for a while now without resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX
Product: Money transfer, virtual currency, or money service

over XXXX dollars is being held because at some point in time in the next 6 months there may be a charge back, this is absurd and fraud, They Don't want us to XXXX XXXX  fine I am An XXXX  ( means federally licensed to XXXX XXXX ) and have been for the entire time I was a customer, if its a problem now that's fine there are other services that aren't run by communist, I'm a XXXX   % XXXX veteran and you are purposely and directly harming me both financially and emotionally this is terrorism and probably racially motivated.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan, believing it would be repayable through a single monthly payment until fully paid off. However, after receiving the funds, I discovered that the repayment terms required payments of {$290.00} twice a month on a {$1000.00} loan. I was not aware of the high fees and interest, which have made the loan unaffordable for me. I am on a fixed income, relying solely on Social Security, and I now feel that Uprova misled me in their terms. What steps can I take to address this situation?
Product: Credit card or prepaid card

XX/XX/2021 Sirs, I have been using Us Direct Express, underwritten by Comerica Bank, for over ten years, and now experiencing major issues with the service and support from this company.

The issue I have with US Direct Express is that for the past few months, Direct express has denied me the ability to transfer funds though their website and telephone service, to any one of my current bank accounts.

I have tried as least a dozen times in the past three months to transfer small amount of funds ( {$25.00}, {$50.00}. {$100.00} etc. ) without it being rejected and being credited back to my account. 

As a XXXX person XXXX  XXXX, I am not able to leave the house, especially during Covid, and find an ATM. I cant pay my bills and expenses though Mastercard, and dont want to carry large amount of cash for security reasons, and go into my bank with large amounts of cash, and be accused of laundering money. 

I have spent hours on hold trying to talk to someone at Direct Express as to see if there are any hold or issues with the card, or myself, as I have been a holder of this card for almost ten years without any problem or issue.

The time I did finally get through to someone, I spoke with a woman who was pleasant enough, but would not even look into my problem, but just read a how to statement on the process of transferring funds from the Direct Express Mastercard to my bank account. She refused to address my issue and the call ended.

I even opened a checking account at Comeria Bank, thinking this might work as the card is issued by Comerica, but it did not go through.

My creditors do not accept Mastercard as a payment for bills and expenses due. The only thing I can do, as of this date, is withdraw cash, but for security and access issues, make it near impossible to use the funds deposited on my Direct Express Mastercard.

I dont know what I can do further to fix this issue, but quite frankly, the service from Direct Express has deteriorated tremendously over the past few years, and according to my research on search engines, I am not the only person who has issues with this company.

I am hoping by contact the CFPB, I can fix my issue, and go back to using the Direct Express Mastercard in the manner it is advertised and described on the Comerica Direct Express, and Treasury website.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX Date : XX/XX/XXXX Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Unlawful Collection of Medical Debt Without HIPAA Authorization To Whom It May Concern : This letter serves as formal notice for Radius Global Solutions LLC to cease and desist all contact and any further attempts to collect a purported medical debt allegedly owed by me. 

I have reason to believe that the debt you are attempting to collect is of a medical nature. Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ), you are prohibited from accessing, using, or disclosing my protected health information ( XXXX ) without my explicit, written authorization. I have not given such authorization to your company or any third party acting on your behalf. 

The unauthorized disclosure or use of my XXXX is a direct violation of federal law, particularly under 45 CFR 164.502 and 164.508. You are hereby instructed to immediately cease any and all attempts to collect on this alleged medical debt and to remove any record of this debt from your files and any consumer reporting agencies to which you may have provided it.

Furthermore, your actions may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits deceptive, unfair, or abusive debt collection practices. Continued attempts to collect this debt without verifying its validity or securing the proper HIPAA-compliant authorization may expose you to legal liability. 

Relevant case law includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) recognizing an individual 's right to privacy in their medical records. 

United States XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) noting criminal liability where access to private medical data occurs without consent. 

FTC XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) stressing liability for companies that obtain or share private data without legal basis. 

Let this letter also serve as a revocation of any consent that may have been previously implied or misunderstood. 

If you continue to contact me regarding this matter, I will consider it harassment, and I reserve the right to pursue legal remedies, including but not limited to, filing a complaint with the U.S. Department of Health and Human Services Office for Civil Rights ( OCR ) and the Consumer Financial Protection Bureau ( CFPB ).

I demand a written response confirming that you will comply with this request within 15 days of receipt of this letter. 

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

I disputed this on XX/XX/XXXX JPMCB - CARD SERVICES JPMCB - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.
Product: Credit card

On XX/XX/year>, the principal applied for and consented to American Express arranging credit through a XXXX XXXX. American Express declined the application, citing the principals FICO score. The principal called American Express to address this issue, noting that, according to the prospectus in the investor relations section, American Express does not use FICO scores to determine credit extension. Additionally, the principal emphasized that the originator of the credit is the principal, not American Express. The principal has not waived the security interest in the application. Since the principal provided American Express with something of value ( security ), which was turned into receivables, the principal is now awaiting something of value in return from American Express. If American Express does not provide the services, the principal will need the security returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer for XXXX USD on XX/XX/year> from my Wells Fargo checking account. This wire was sent to a US Company as part of the completion of a business deal which closed on XX/XX/year>. Wells Fargo told me they needed to verify my Identity before they could send the wire transfer. I provided them with all the information which they asked for, and yet they still not send the funds although I have a confirmation that the wire would be sent on XX/XX/year>. I continued to phone Wells Fargo, who then transferred me from department to department, and after 2 hours, I still had no information, I even spoke to someone at their executive office at XXXX XXXX  EST and he assured me that he would make sure the wire was sent immediately. 
My recipient has still not received the funds 24 hours later on XX/XX/year>. 
This illegal withholding of my money by Wells Fargo has cost me thousands and thousands of US dollars. 
My complaint is valid and I would NOT recommend Wells Fargo to anyone. I have banked with them for 24 years and I am disgusted with the way they have treated me. I have lost credibility with the Businees company and have lost a lot of money. 
At this time XXXX XXXX EST on XX/XX/year>, my recipient has still not received the funds and my bank account is still minus the the XXXX USD. As far as I am concered, this is an illegal action by Wells Fargo bank. Taking funds from my checking account and not releasing the wire to my recipient 's bank.
Product: Credit card or prepaid card

US Bankcorp was my first credit card. I have had this credit card for the longest time. Until recently I have had problems making the payment on time due to being in between jobs. I want to say over the past year I been late twice and most recently requested a late fee removal and was denied. I wasnt given an explication or nothing.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. ACCOUNTS : XXXX XXXX and XXXX  XXXX XXXX  ( Original Creditor XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, MEDICAL BUSINESS BUREAU, Opened XXXX. XXXX, XXXX add a derogatory mark on my credit reports. MEDICAL BUSINESS BUREAU did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Checking or savings account

I have a high interest online savings account with Discover Bank. On XX/XX/XXXX, Discover " froze '' my account, denying me access to any account information and more importantly, freezing my funds. I have been trying for over a week to communicate with Discover Bank, to no avail. They have no email address, and when I call, wait times have consistently been greater than two hours. Worse, when on a few occasions I have finally gotten through to a human, I am told that they can not help me. I am then transferred to a dead line, or put back in the 2 hour cue. 

I am in the process of buying a home and it is time sensitive that I have access to printing my account statements, and access to my funds. I have used the app, using biometrics to log on, from my personal cell phone, and still am locked out. 

Discover Bank 's only attempt to reach me has been a mailed letter, again instructing me to call the phone number, that has no answer. My funds have been made unavailable to me, held by this bank, without any explanation or path to resolve the problem.