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

Im filling a complaint against Block Inc ( Cash App ) due to inadequate customer service and unfair practices, which violates customer financial protection act.CFPA specifically, Cash App failed to take timely and effective measures to prevent and address all fraud on the platform leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the electronic funds transfer act and regulation E these efforts caused significant inconvenience and financial loss. Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair credit reporting act XXXX Account # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions 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 or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Money transfer, virtual currency, or money service

Moneygram declined to process my transaction and refused to explain any reason for declining. I was trying to send {$600.00} to an associate in XXXX. I might add that I used moneygram for several years for money transfers from my organization to XXXX, but switched to XXXX XXXX when MG transaction fees went up. Now XXXX is charging more with a lower exchange rate, so I was shopping for a better price, and came back to MG which then declined my transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I have submitted a compliant on XX/XX/ with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Please investigate and delete from my credit report.
Product: Credit card or prepaid card

I use the Direct Express app the orange one which is direct x popped up in 2019 so now I have to use the orange Direct Express app instead of the green one. Ok someone is making my debit cards my insurance card they are steal my retirement pay and my XXXX benefits. They are informants and friends of theirs doing this. They also XXXX  my XXXX XXXX picture to every state and foreign country that I am a Federal Informant all done by the hand of XXXX XXXX. Please help me I am not an informant he has a lot of foreigners following me around everywhere. My phone is being relayed they fake my calls to Homeland Security because they are alerting my home security videos of my apartment me and my son and of them breaking in pretending to be us in the videos. They faked my calls to the Attorney General because these are informants that XXXX XXXX XXXX and XXXX XXXX is paying to do so. They have my entire apartment complex helping them carry out these fraudulent deeds. They have so many people impersonating me its insane. They are passing out all my personal information to whoever want it. I have proof on my XXXX pages checks the links. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me because me and my sons life is in danger behind this. They are steady passing my pictures around XXXX as well as other states. They are the informants and is mad because I have a protective order in place. They are XXXX XXXX  and its being hidden because they are informants and they are mad because I found out.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Subject : Complaint Against XXXX for Furnishing Fraudulent Information Due to Identity Theft Resulting from XXXX XXXX XXXX ( XXXX ) To Whom It May Concern, I am writing to file a formal complaint against XXXX for mishandling my credit report and furnishing fraudulent information as a result of identity theft. I am a victim of identity theft, and my personal information was exposed during the XXXX data breach in XXXX. Despite my efforts to address and resolve this issue, XXXX has continued to allow fraudulent information to appear on my credit report and has failed to follow the legal requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, regarding identity theft. 

Identity Theft Details : My name is XXXX XXXX, and I am the victim of identity theft. The breach of my personal data in the XXXX breach of XXXX exposed sensitive information that was subsequently used by fraudsters to open accounts in my name. As a direct result of this, my credit report from XXXX now contains inaccurate, fraudulent information. 

Violation of FCRA Section 605B : According to Section 605B of the Fair Credit Reporting Act, when a consumer disputes information on their credit report due to identity theft, the credit reporting agency ( XXXX in this case ) is required to remove the fraudulent information within 4 days of receiving the identity theft dispute. Despite notifying XXXX of the fraudulent entries on my credit report, the company has failed to comply with this legal obligation, continuing to report the disputed, inaccurate information and causing me financial harm.

Request for Immediate Action : I am requesting that the CFPB investigate XXXX for failing to properly handle my identity theft dispute and for allowing fraudulent information to remain on my credit report. The actions of XXXX are in violation of the protections afforded to me under FCRA XXXX XXXX. I am seeking the immediate removal of all fraudulent accounts and information associated with my name from my credit report. 

Additionally, I request that XXXX be held accountable for any damage caused to my XXXX XXXX, financial reputation, and overall well-being due to the continued presence of this inaccurate information. 

Conclusion : As a victim of identity theft, I am entitled to a prompt resolution under the law, and Experians failure to act appropriately violates my rights. I respectfully ask that the CFPB investigate this matter and ensure that XXXX complies with the legal standards set forth in the FCRA. 

Thank you for your attention to this matter. Please feel free to contact me should you require any additional information or documentation regarding this complaint. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Structured Settlement has taken over this account. I had this account with XXXX XXXX, and had a payment arrangement and then was XXXX XXXX XXXX XXXXXXXX. During that time my account was sold to Steuctured Settlement. They call my phone 3 times a day, call my wife even if I talk to them and call me everyday even after talking to them. They threaten me with a lawsuit every call. They will not let me dispute debt or give proof of debt. They told me today they could call me 9 times a day if they want. The " manager '' today said that they could call or come to my home or work whenever they wanted. They also told me they won't honor previous payment arrangement because they won't get paid. My XXXX was even laughed at by the manager. I told then I would pay them that day, but they told me I would see them in court and good luck.
Product: Credit card

Heres a well-structured complaint letter for submission to the CFPB regarding your issue with Saks Fifth Avenue and Comenity Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Unauthorized Charge and Poor Customer Service by Saks Fifth Avenue and Comenity Bank Dear CFPB Representative, I am writing to formally submit a complaint against Saks Fifth Avenue Customer Service and Comenity Bank ( formerly XXXX XXXXXXXX, for the SaksFirst credit card ) regarding an unauthorized charge on my SaksFirst credit card account and the unsatisfactory handling of the matter by both parties. 

Details of the Complaint : Purchase Order Number : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$920.00} Issuing Bank : Comenity Bank I did not authorize this purchase. As a traveling nurse, I typically reside in California and return home every three months. I do not regularly use my Saks Fifth Avenue credit card, especially for high-value purchases. Upon noticing this charge, I immediately contacted Saks Fifth Avenue Customer Service to dispute it. 

Chronology of Events : 1. The merchandise associated with the unauthorized purchase was returned five separate times.

2. Each time the item was returned to Saks Fifth Avenue, the vendor inexplicably sent it back to me.

3. On my last return attempt, I refused to accept the package when it was sent back again.

4. Saks Fifth Avenues customer service management confirmed that the package was received and is currently located at their distribution warehouse. However, they claim they have no way of contacting the distribution center to process the return properly.

5. Despite these returns and my refusal to accept the merchandise, Saks Fifth Avenue has not removed the {$920.00} charge from my account. 

Previous Actions Taken : I have filed formal complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, but no resolution has been reached. 
Repeated communications with Saks Fifth Avenue Customer Service have been unsuccessful in rectifying the situation. 

Given the repeated returns, the acknowledgment by Saks Fifth Avenue of receiving the merchandise, and my clear indication that I did not authorize this purchase, I believe that Saks Fifth Avenue and Comenity Bank have failed to comply with fair billing practices. 

I am requesting the assistance of the CFPB in : 1. Ensuring that Comenity Bank removes the {$920.00} charge from my Saks Fifth Avenue credit card account.

2. Investigating Saks Fifth Avenues handling of returned merchandise and its impact on customer billing. 

This ongoing issue has caused unnecessary stress and inconvenience, and I trust that the CFPB will ensure that proper actions are taken. 

Thank you for your attention to this matter. I am available to provide any additional information required. 

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

I am a victim of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

This is my 4th request for TRANSUNION 's METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX  XXXX has stated in a documented letter of their inaccuracies
Product: Checking or savings account

I purchased football game tickets from a man on XXXX. I made the payment and never received the tickets. His facebook profile is now deactivated. 

I filed a dispute with Great Western Bank in XXXX XXXX and it was denied. They stated they had to follow 'Visa Rules '. Reg E rules always trump the network rules ....
Product: Credit reporting or other personal consumer reports

The credit accounts on my report are the result of identity theft. The accounts are not mine and should be removed. The credit bureau never investigated my claim properly
Product: Student loan

Lincoln Tech promised me of getting a job after graduating in XXXX and it never happened. They did n't teach me the proper material and were very unprofessional and condescending. They left me with {$9000.00} in debt with student loans paying with interest on top of it. They did n't teach me the proper material to work in the XXXX field and rushed through most of the material in class we needed to learn for our XXXX field. Alot of students their didnt know the basic material by the time we graduated and alot of people dropped out of school while we were there. They put us in the worst internship environment that we could n't work at cause we did n't know the proper material to work there. Please have the courtesy of resolving this issue by waiving or reducing our student loans there for wasting our 2 years and tax payer money we gad to waste there
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX XXXX XXXX
Product: Checking or savings account

Late last year, Citibank said they will freeze my accounts if I do not provide certain information from my wife. My wife went to a local branch and provided the information requested except for tax returns. This year I received two or three calls requesting said information, which was already provide. About two or three weeks ago, they froze my accounts. I was not able to pay my bills. After about five to seven days, I was able to unfreeze my accounts. Then two days ago, Citibank called again and requested the exact same information, saying my account will be frozen if my wife does not comply. My wife today, XX/XX/XXXX went back to the local branch and again gave them the information. Citibank said from the beginning of this ordeal that the government instituted a new policy regarding accounts. I and my wife have had this account with Citibank since XXXX. I do not understand why Citibank froze my account, which I have had for over 50 years.
Product: Credit reporting or other personal consumer reports

OVER A MONTH AGO I BEGAN TO REVIEW MY CREDIT REPORT AND I FOUND FRAUDULENT MEDICAL AND COLLECTION ACCOUNTS ALONG WITH PERSONAL INFORMATION ASSOCIATED WITH IDENTITY THEFT ON MY CREDIT REPORT. 

I CONTACTED THE BUREAUS AND REPORTED IT ONLINE AND OBTAINED A REPORT. 

I ADDED A FRAUD ALERT AND FREEZE AS WELL THE OTHER BUREAUS INVESTIGATED AND REMOVED THE ITEMS BUT EQUIFAX IS REFUSING TO PROPERLY INVESTIGATE AND REMOVE THE FRAUDULENT ACCOUNTS. 

ITEM XXXX XXXX XXXX XXXX {$2500.00} ITEM XXXX XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

There are several entries on my consumer report that are aggravated identity theft as I did NOT authorize these inquiries. I had never applied for these products or services so they have no business being on my consumer report. THIS IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance XXXX {$390.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX/XXXX/2022
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 rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account 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 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 year 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 card or prepaid card

Citibank is exploiting the corona crisis to fire support staff and hang up on people. Phone support automatically hangs up. The website automatically logs you out. This didn't happen on XX/XX/XXXX It is almost impossible to pay a credit card which Citi wants to collect more late fees. More fees, less employees -- - profit off of a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XXXX AND XX/XX/2019 FOR MY XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on XXXX. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.
Product: Credit card

I have a XXXX account and always have had a credit card in file. Once I was purchasing online and went to revise my XXXX account. Suddenly, a window popped up asking me to accept a XXXX XXXX account. It did n't let me go further until I accepted the XXXX XXXX. In addition, There was not link in small font saying " no thanks, take me to my account ''. After accepting the XXXX XXXX I was finally able to pass that window and do whatever I was going to do with the account. 
After that, essentially a XXXX XXXX was created on my behalf. I called XXXX and cancel the XXXX XXXX on XXXX 2015. Everything was fine until now when they are saying that I bought an item with the XXXX XXXX and because I did n't pay, interests have been running for 6 months. 
I called them up and they said that the information was sent to me via email but they can not resend that particular email. There is not more information in the XXXX website neither in my XXXX profile. 
What can I do? 
ThanksXXXX XXXX