23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to request your assistance in resolving an issue regarding a {$200.00} transfer made through Cash App to my XXXX XXXX account on XXXX XXXX XXXX I have encountered difficulties in tracking the funds, as both Cash App and XXXX XXXX deny having received them. 

According to my Cash App statement, the transfer to my XXXX XXXX account ( XXXX ) was completed on XXXX XXXX XXXX. However, upon reviewing my XXXX XXXX statements, there is no record of a {$200.00} deposit. I have contacted both Cash App and XXXX XXXX to resolve the issue, but both parties maintain that they do not have the funds in question. 

I am requesting the Consumer Financial Protection Bureau 's intervention to help me track down the missing {$200.00} and ensure its proper deposit into my XXXXXXXX XXXXk account. Please find attached my Cash App and XXXX XXXX statements, which substantiate my claims. I hope that your involvement can expedite the resolution of this issue and help me recover the missing funds. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

Not clear on protections put in place for money transfers
Product: Debt collection

This debt collector has called my job over 20 time. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are just some of the days I have written down.I have asked them and told them to stop calling my job in concerns to this matter and to call my personal number instead. Her name is XXXX and she has cures out my boss when she asked her to stop. My boss is now taking lawful action.
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit with the credit agencies and I noticed XXXX loans under my name that i did not open and have no knowledge about. i believe these are fraudulent XXXX  loan accounts opened in my name which is now affected my credit i need these removed immediately please. 

The fraudulent XXXX loans are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have or own a XXXX and neither do I have any XXXX related with XXXX XXXX. 

I have filed an FTC report for these fraudulent accounts and I really need help getting this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hope that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 or other personal consumer reports

It appears that my credit file has been compromised again. While reviewing my records, I noticed many items that do not belong to me. After thorough research, I discovered that under Section 605B of the FCRA, you are legally required to remove and block any items found to be opened due to identity theft. These disputed items are not mine. I am attaching the required FTC Report for your reference, as I have learned both parties require it. Please remove and block these items. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have a credit card with XXXX, which is a subsidiary of Barclaycard US. Their rewards program promises a {$100.00} credit for each XXXX points redeemed. 
I contacted XXXX in XXXX XXXX ( I believe XXXX XXXX XXXX ) to redeem XXXX points. I was told my account would be credited in about 10 days. When this did not happen I called again to check and was told it would be taken care of and my account would be credited in about 10 days. I was given a case # XXXX. Again this did not happen. I called several times, including XXXX XXXX, when I was told they would look into it and gave me a case # XXXX. By this time I had earned additional points, so I told them to redeem XXXX. 
About one week later I saw that XXXX points had been subtracted from the account, but nothing had been credited. I called again on XXXX XXXX and was told they would check, it would take about 10 days. I explained I had been told this several times without any action, and I wanted to talk to someone at a higher level. I was told someone would call me within 24 hours and given another case # XXXX. 
Someone did call me XXXX. He did not have any more information than any of the previous individuals I had spoken with. When I told him everyone I spoke with had told me my issue would be resolved in 10 days he said it will now take 30 days. He also said they only redeem reward points on line, not by telecom. I told him I have been a card holder for many years and had always redeemed reward points by phone, Also none of the individuals I had spoken to previously had told me that, including the first person who said she would process my request. 
My concern is that XXXX ( Barclaycard US ) appears to have no process to resolve claims. Each person I spoke with would tell me that the redemption would be taken care of, but could not tell me why it had not yet been accomplished. They can see there were cases opened, but could not tell me why they had been closed without action. I request your assistance to resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ( last 4 ) - XXXX DOB XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Good day Trust all is well. 

It has been over 30 days and the creditor has not updated the information nor have provided proof of documentation in regards to a late payment. they have not supplied any information and they must delete the late alleged payment on my credit report.
Product: Debt collection

My name is XXXX XXXX I am who I say I am and no third party is involved with submitting my complaint. 

Santander has threatened to seize my vehicle and has used this threat to attempt to coerce payment from me which is a violation of the cease and desist that I have in place with them. when I called and spoke to the reps about the harassing and abusive letter they sent me they gave me false and inaccurate information and I made them aware that this would be considered an unfair practice under 15 usc 1692f Santander has already committed mail fraud pursuant to 18 usc 1341 and by threatening to take my property is constituting 18 usc 1961 ( 1 ) which is a racketeering activity
Product: Consumer Loan

On XX/XX/XXXX I opened a 72 month loan of {$19000.00} through Capital One Auto Finance. I was quoted an interest rate through their auto navigator of 12.17 % to 19.31 % APR. At the end the sale, the dealership informed me that my interest rate was going to be 19.31 %, which was very high compared to previous car loans ( 12 % on the last loan I had through CapitalOne and 8 % on the previous on I opened in XXXX from a credit union ). Going from an 8 % interest rate to 19.31 % is a pretty big jump. Not only has this high interest rate, which I feel could be classified as a predatory lending practice, made it much harder for me to keep on track on payments, it has made refinancing impossible. As I ca n't refinance I ca n't lower my payments to get out of the high interest rate. Earlier last month I had attempted to refinance the loan with Northwest XXXX and XXXX. Both denied my loan primarily because the value of the auto exceeded the current amount due on the loan. XXXX specifically told me on the phone that the car was valued in the mid {$9000.00}. This is pretty upsetting because the car lost most of its value in the 1.5 years I have had the car - a car I bought new. Additionally, I feel that the dealer ( XXXX ) and Capital One Auto Finance decided to charge a high APR for the sole purpose of profit. As of today, compared to what I have paid in the principal, I have paid twice as much in interest ( {$4900.00} ). I have paid {$2400.00} so far towards the principal. This has put me in a very difficult situation, where I am attempting to repair my credit score after a divorce. Rolling the loan into a new car loan would only worsen this cycle. Overall, this issue has made it hard to manager the auto loan, which has resulted in a XXXX late fees in the last year.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with accounts and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mines remove this immediately off my credit report is affecting me getting a morgage and getting a new home
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct is closed/charged off satute of limitations has ended!!!! Iam no longer responsible for this account!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receiving numerous calls to collect a debt. Never given the name of the agency phoning. States it 's an attempt to collect a debt for XXXX XXXX XXXX. Informed them not to phone as I this is n't my debt. I 've been a victim of identity theft twice. Have police report & court documents showing individuals charges & time served. They refuse to stop phoning. As a XXXX senior, this is causing health issues regarding my anxiety, causing panic attacks. Please have them stop harassing me. This is not my debt Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX XXXX XXXXcct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Vehicle loan or lease

Santander informed me that this account was sold to XXXX XXXX XXXX.under applicable federal and state laws, once after creditor sell installment contact to third party collection agency they should not have any information about that account on their data base.however Santander provided what appears to be an alleged contract.this is fraud under all applicable federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.
Product: Mortgage

Selene Financial refused to provide a single point of contact while working on a loan modification. Every time I called it was a different person or had to be transferred and left and message. Multiple times asked to speak with a supervisor and was never given one only told that one would call me back but no return calls were received. I was working with the XXXX  XXXX  Assistance program twice. The program had funds close to but about $ XXXX off of the past due COVID amount to bring the mortgage current. The XXXX XXXX  assistance program requested that I contact Selene to have them either take the $ XXXX available and spread out the rest but each different person that I spoke with said no has to be the full amount or nothing. XXXX XXXX  assistance program could not understand why Selene would not work with me. There were many calls and Selene wanted me to turn down the covid funds and get into a loan modification. The mortgage assistance program could not release the funds they said unless it would bring the full past due covid amount current. Selene every operator was clueless and said someone would contact me. No one ever did. A foreclosure notice was issued by Selene and I filed a bankruptcy XXXX  XXXX and was still working with Selene by sending documents for loan modification. Selene never sent any notice. The issue is that they are LYING saying that a " Notice of Postponement '' or " Certificate of Postponement '' was sent NEVER this is the lie!! Selene claims they had a company called XXXX XXXX send a notice of sale of postponement. This certificate is a fake phony fraudulent document. Never ever heard of this company until after Selene sold my home. The bankruptcy was dismissed and Selene never provided any notice of sale new date. All mail by Selene is and was sent to my mailing address and they keep track of all mail. This is a complaint that is going against the unethical unscrupulous Selene Financial along with Nationwide Posting Publication and XXXX XXXX. Only after the home was sold did Selene provide a name of a lawyer and phone number that never answered in XXXX California. I researched his name and found XXXX XXXX and the lady yelled and screamed that notice was provided and that was and is a lie - no date, no proof of mailing and no proof of posting. The notice of sale was non-existent in an unethical plot to steal my home. This XXXX XXXX  company has yet to provide any evidence now they are trying to force me out of my home. All the while when I called Selene they were still working with me on loan modification as the reps did not even know the home was sold. Bottomline = NO NOTICE WAS GIVEN OF ANY NEW SALES DATE and the after prepared subsequently prepared documents are fraudulent and were never received and never posted or mailed period. Remedy : Return my home asap!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXXXXXX XXXX  XXXX and # XXXX XXXX XXXX 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
Product: Credit card or prepaid card

CapitalOne XXXX offered a product for purchase at a savings, CapitalOne 's partner XXXX completed a bait and switch. CapitalOne claims this isn't fraud, but instead a dispute. Spending ridiculous time with phone calls and correspondence. CapitalOne allowed me 9 business days to dispute their claim the the offer is legitimate. 

The entire transactions happened on XX/XX/2021, within minutes of realizing it was a bait and switch I called CapitalOne to let them know of the fraud, the told no this is a dispute. They offered a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$57.00} and {$3.00} Sales Tax, instead they informed me that I would receive a hard case for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not the XXXX XXXX. 

I received a letter form CapitalOne dated XX/XX/2021 received on XX/XX/2021 claiming that I didn't follow XXXX 's return policy, but not only didn't XXXX provide return instructions but CapitalOne XXXX is calling it a dispute. I just spent the last four hours re-disputing this bait and switch and am frustrated with the dance CapitalOne is forcing me to complete.
Product: Credit reporting or other personal consumer reports

I have multiple inquires on my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My account balance on XX/XX/2023 was {$670.00}. Banana Republic took out {$1800.00} on XX/XX/2023 because my statement balance on XX/XX/2023 was {$1800.00}. They took out {$1100.00} more than my account balance. This has created a financial burden. I requested they fix it and they told me it would take 10 business days to mail me a check even though I didnt pay via check nor did they have the right to take the extra money. I didnt owe it.. I asked that they reverse the payment they had processed in error or overnight my check and they said they would not. This is criminal. They should never take more money that what is owed to them. I will eventually get my money back but this practice of how they are processing payments should be examined and I would expect them to correct it and at the very least expedite an error when its this large of an impact. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth XX/XX/XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX XXXX XXXX