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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT 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 : XXXX XXXX Account # XXXX Amount : {$24000.00} XXXX  Account XXXX XXXXXXXX : {$0.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 a consumer reporting agency 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 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

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXXt XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Recently, American express increased ( XXXX ) my interest rate because of a supposed penaly APR due to late payments. They said that I made XXXX late payments ( none more than XXXX days late ) and I have no choice but to pay the additional monthly interest of about {$170.00} per month.I called them to discuss and even got a supervisor to try to get this turned back to the old rate.. They showed absolutely no empathy and were basically saying tough. I even offered to have the montly payments automatically deducted so their would be no future lateness. Again, they could just care less. I was absolutely furious. 
This credit card was in my business name, The XXXX XXXX. My company went out of business in XXXX due to the Financial crisis. I could have just filed bankruptcy and avoided paying any of my creditors but that is now how I am made up. Its a principle with me to pay my debts. Since this time, I have never missed a payment. I am intent on paying them every last dime that I owe them. My question is this : I am a working Mom with XXXX children to support. I am struggling to just get buy. In XXXX, American express cancelled my card because I did not get them my tax returns in the XXXX weeks time that they stated I needed to, and this just out of the blue. I never signed anything with Amex agreeing to pay a penalty APR. I can understand late payment fees, but how can someone just double the interest rate? I thought Loan sharking was illegal? I thought the credit card act of 2009 made it illegal to change the interest rates on existing balance? I see Amex lost their contracts with XXXX and XXXX and it looks like they are desperately trying to increase their profits at the American consumers expense. This process of penalty APR 's is absolute predatory lending, is completely unfair and is just morally wrong. I can not believe for a moment that this type of conduct can be allowed. I basically have a choice, either pay them this extra money or buy groceries??? I paid them the normal payment of {$300.00} on XXXX. I can not and will not pay this extortion APR. While making the payment on the phone with them, I was actually berated by their rep because I was not paying the " penalty '' This is ridiculous. I am hoping that you can intervene in this situation and get my interest rate back to where it should be. But even more than that ... I am hoping that you can do something to stopn doing this to other people. People who are struggling sometimes make late payments. They pay the price with late fees. Doubling the interest rate and " penalizing '' these same people is unconscionable. Something needs to be done to stop this! I am going to write all my Senators, congressman and alert every single media, news and internet provider out there to put pressure on these monsters so this strops. Its just completely Unamerican and if it is not illegal, it should be. Consumers need to be protected from these people. If we can not rely on the CFPB, then who? Thank you so much for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/year>, to investigate these accounts XXXX sent certified mail. they sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Specialized Loan Servicing continuously misplaces my mortgage payments or cashes the check and its not posted to my mortgage account. I have to pay 2 monthly mortgages sometimes and hope one of them gets posted. I have never missed a payment in over 20 years and they are making it harder and harder to submit a payment, its a complete nightmare. I have tried contacting them its a vicious circle. I pray they will sell my loan tired of the stress. Please Help Me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i. 
( 6 ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX The reporting of these account ( s ) is/are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 XXXX financial loss, and I seek appropriate redress for those violations.
Product: Consumer Loan

BB & T called in XX/XX/XXXX and stated that my wife ( ex-wife now ) had XXXX unsecured lines of credit that were in default and that since we were married and that I had accounts there as well, it was my responsibility to repay them or they would damage my credit. 

At that point I agreed to pay them a minimal amount each month to keep this from happening. I paid on those accounts until XX/XX/XXXX when my attorney advised me that I did n't have pay anything that I did n't sign for especially, under duress. 

These accounts were called into question when they were reported to the credit bureaus and I started phoning BB & T since there is n't anyone in the branches that really assist you anymore. XXXX XXXX sent me copies of the signature cards for those accounts and I immediately became alarmed because the signatures were n't mine or my ex-wife 's. 

First of all I removed her from my account in XX/XX/XXXX and had no other financial dealings with her from that point. She tried to get me to let her get her pay check direct deposited into my account in XX/XX/XXXX and I refused. She asked what she should do and I told her to go and open her own account, so she did, but I did n't sign for it or even know where she went until I saw a statement come in the mail. 

When I got the call in XX/XX/XXXX from BB & T, that was the first time that I knew anything about the XXXX account that was opened in XX/XX/XXXX. Since she did n't have much money and she did n't have her own business, I do n't know why she needed XXXX accounts. 

After getting nothing corrected with XXXX XXXX, I started going to the branches and had XXXX separate branch managers tell me that those were n't even the correct signature cards for those types of accounts and they did n't even have the correct account numbers on them. These were forged and created to attempt to force me into paying these debts that I do not owe. 

Attached to this complaint I will send a copy of the police report, the forged signature cards, the affidavit, a copy of my past and current signatures and the same for my ex-wife, a copy of the fraud response from BB & T. 

You can plainly see that these are not the same signatures.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

In XXXX XXXXXX/XX/XXXX and XXXX, there were 2 accounts opened by XXXX when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since XXXX XXXX had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked XXXX to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with XXXX XXXX and both created 1 day apart.
Product: Credit card

Wells Fargo has denied our claim that {$2900.00} of charges to our credit card were made by someone else. The reason they have denied the claim multiple times is that when we initially reported the charges, which we are 100 % certain are not ours, we indicated that both cards were in our possession. We believed this to be the case as historically this card wasn't used much and never left the house. When we searched the house for both cards we realized one was missing. We reported this information but Wells Fargo has ignored that and continues to insist the charges belong to us. I filed a police report with XXXX XXXX  and thanks to the diligent effort of XXXX XXXX, we have video proof that the card was being used by someone other than me on XX/XX/XXXX at XXXX in XXXX, GA. This thief was in possession of my card and used it from XX/XX/XXXX until XX/XX/XXXX when I realized the problem and XXXX the card. Even with video proof of another person being in possession of my card, Wells is still sticking to their original decision, which is based on both cards being in my possession. We now have video proof showing that wasn't true.
Product: Credit card

Capital 1 website keeps hit a snag and never allows me to file dispute. 
XXXX XXXX  is utilized for XXXX XXXXXXXX and they refuse to help telling me to call in. 

C1 is not allowing email or electronic communication and discriminatory against services that are openly available, because they choose not to in direct violation of federal laws.

They used to offer secure messaging and discontinued it. Certain departments are only accessible by phone and no other method which is discriminatory to XXXX XXXXXXXX. 

Email communication only as an XXXX request!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with XXXX, Equifax and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a visa gift card for {$300.00} at the following location on XX/XX/2020 XXXX XXXX XXXX The order number is XXXX and my credit card was charged on XX/XX/2020 I called multiple times and was told that a gift card would be shipped out soon. However no card was shipped after 10 days.
Product: Checking or savings account

I thought someone had made transactions from said account. I didn't do it but I did manage to cancel manually through online access. Startled, I asked for the account to be investigated and this brought on suspension since, XX/XX/2022. I called in several times and all accounts were stated as recorded. No one can release nor unsuspend my account from investigation. Therefore, I had the right to disregard the investigation and asked for cancel of investigation to open access to my account. My Rewards Checking account has {$340.00} of my own money in it and I have had NO access since XX/XX/2022. I need access to my funds or send me a check for the remainder is what I further stated before getting frustrated. Can't access my own funds is ridiculous!
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 card or prepaid card

I authorized a transaction with XXXX  but the amount and some of the items which I am being charged for are incorrect. I was advised these additional charges as stated in the contract referred to unbilled ad clicks which had not registered within their billing at current date. This remains fraudulent. XXXX, their agent, is the one who opted into the additional information and not me. I explicitly asked XXXX multiple times what I was being charged for with no response. This has been an ongoing issue for 6 months. I previously filed a complaint with CFPB against Synchrony where they responded with a number to call. I have called that number 5 times, left 3 voicemails, and emailed them with no response. 
The information which XXXX has provided for the dispute does not include the audio communications related to the sale of the advertising campaign and does not show that I authorized the additional charges. It does show that I authorized a campaign which is accurate but not in the amount that is being billed. I provided itemized documentation showing what is wrong and Synchrony has chosen not to review the dispute.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged XXXX XXXX  which was an account that was never approved of.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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