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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Collection bill from Syncom XX/XX/21 I have received a bill From SYBCOM a collection company, the bill is from another collection company XXXX XXXX XXXX, and was from another company XXXX XXXX XXXX. Original bill XXXX they are offering settlement of XXXX XXXX 's number is XXXX. They're Ref # is XXXX. 
I have called them 3 times and left my information. I also went on they're Web sight and left my information requesting an email or call back. I have been trying to contact them for 2 weeks. I have gotten no response from them. 
I don't know what the bill is for. I will pay if I owe the money. 
They are out of line not contacting me.
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On Friday, XX/XX/2019, I tried to transfer my American Express Membership Reward Points to one of the transfer partners. I immediately got a message stating : " This action will not be completed at this time, because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I've reached out to American Express numerous times and was told that the review could take 6-8 weeks. Well, it's been over 12 weeks, and several phone calls later, and as of today, XX/XX/2019, my MR points are still frozen. 

Can someone please tell me whats happing with my points, and when I'll be able to use them again.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX $ XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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: Debt collection

I've been in contact with ace cash express in the past and now i'm receiving calls at my place of employment threatening to have my wages garnished and using profanity The man says his name is XXXX XXXX from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charge off for  XXXX   XXXX  accounts are saying charged off in  XXXX   XXXX , that is not accurate, they were charged off in  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, TransUnion and XXXX XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with Transunion, XXXX and XXXX to have the late payments removed. I have disputed with Transunion, XXXX and XXXX and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with my written instructions
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

I have advised them in writing and verbally to only contact me in writing. They are continually calling my place of employment using different numbers each time. For example XXXX and XXXX. In addition they are continuing to contact my contacts listed although I have advised also for them to stop calling them and harassing them. My address is the same and I will respond to anything that is sent to me in writing however I do not want to be contacted by phone. When I was contacted and asked to verbally stop, they insisted that I owe them money and that is why they will continue to call. I have back to back calls to my place of work, my cell phone, my husbands phone etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
XXXX XXXX said they did not report it as late payments. 


Also XXXX XXXX XXXX, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall XXXX and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.
Product: Debt collection

Yes I've been getting letters from lien forcement that I've own an amount of {$3400.00} dollars and they are adding interest rates everyday witch they are not telling me the APR. I really don't got any contract with this company and also last two weeks I've received a call from them I don't know how they got my number. I ask them to send me proof of the vehicle that was sold they said the vehicle was sold for {$1000.00} and as today I call them to stop sending letters and dispute this charge they refused to dispute it and now they said the car was sold for {$600.00} I ask them to send me the bill of sale and the hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Credit Monitoring offered 3 different credit monitoring services ; I chose a Premium. Premium is {$24.00} a month. However, I have called 3 times last year 2019, in reference to multiple charges. I was told, it was resolved. They also advised that because of my Security Freeze on my credit, I had to request services via phone only. Now XX/XX/XXXX 2020 I have another charge of {$24.00} from Experian monthly plan. However, I was charged for this monthly plain 7 days ago on XX/XX/XXXX2020 ( XXXX ). I tried calling them, their website indicate their hours are from XXXX to XXXX. However, when you call a machine states the business hours dont start until XXXX. I have also emailed their support team & decided to leave my credit vulnerable, by cancelling the membership via website. My bank is currently on investigating this issue. However, because it agreed to a monthly fee with Experian, I was told by my bank that this gives them access to perform multiple charges as much as they want ; even though it is not agreed upon nor authorized. This is unfair. I cant be protected by them from suspicious activity because they are the ones committing the suspicious activity.
Product: Credit reporting or other personal consumer reports

I have disputed Fraud alert with Experian, XXXX XXXX and XXXX on XX/XX/year> nothing was done the problem still exists and no proof have been given of this investigation. 
XXXXdept of ED showing late payment that incorrect. 
XXXX XXXX Fraudulent XXXX XXXX Fraudulent XXXX XXXX  XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX Fraudulent Experian, XXXX and XXXX XXXX has fail to fulfill its legal obligation under the fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reports, leaving inaccurate or unverifiable accounts unresolved.
Product: Debt collection

Midland Credit Management has been reporting a debt on my credit report, and they have provided a court judgment to pursue wage garnishment. However, I believe there are issues with their ability to legally enforce this judgment. Additionally, I am concerned that the judgment may not have been obtained or assigned properly, and Midland has failed to provide sufficient documentation to prove their legal right to enforce it. Despite the removal of Midland from my credit report, they continue to threaten wage garnishment, creating an undue financial burden and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 went to XXXX 's XXXX to pick up a used car I purchased with financing done by XXXX XXXX XXXX XXXX out of Ohio, I had purchased a vehicle from XXXX 's before using this this type of financing. Upon arrival they did not want to release the car and XXXX XXXX from the finance department wanted me to finance though XXXX 's and then refinance again through my credit union again for the vehicle. I refused, this unknow to me at the time would have allowed them a {$250.00} fee for the financing to XXXX 's XXXX. They did release the car after I covered the car with my XXXX XXXX XXXX. On XX/XX/2019 I received a credit alert from XXXX that a credit check was preformed that I never authorized from XXXX 's XXXX. This was reported to all the credit reporting agencies. Experian ... .etc.. 
I am a XXXX Veteran and trying to purchase a home and not only is this unlawful but the credit check lowered my credit score. The high pressure financing was just a ploy to make {$250.00} dollars. Even after the monies were sent to XXXX 's the finance department was unaware of receiving the monies. I had to have XXXX XXXX XXXX call and remind them the monies were received by their finance department.
Product: Debt collection

Money was garnished from my social security account for a Small Business Admin loan that is not mine
Product: Credit reporting

I logged onto annualcreditreport.com to request my free credit report. I filled in all of the required information and they told me they would not give me the report. No explanation was provided. This is the second time they have done this. The other agencies provide the report without issue.
Product: Credit card or prepaid card

From XX/XX/20 to XX/XX/20, I had made multiple orders through Banana Republics website. For each of these individual orders, I used reward certificates that I previously earned through their Banana Republic credit card. For some reason, I was not re-issued these reward certificates after I returned the items. Usually, Banana Republic/ Synchrony Bank will re-issue these reward certificates to my account after returns are accepted and processed. The amount of certificates I used totaled up to be {$790.00}. I have attached all the screenshots of the relevant orders. I contacted Synchrony Bank twice about this issue only to have them send letters on XX/XX/20 and XX/XX/20 regarding the topic of gift certificates and gift cards, so it was clear they did not understand my concern at all.
Product: Credit card or prepaid card

I used a Capital One ATM and was charged a service fee of {$10.00} and interest of % 0.50 with no notice of any fee. The XXXX XXXX XXXX XXXX XXXX is amending Regulation E ( Electronic Fund Transfers ), which implements the Electronic Fund Transfer Act ( EFTA ), and the official interpretation to the regulation. In XX/XX/2012, Congress passed and the President signed legislation amending the EFTA to eliminate a requirement that a fee notice be posted on or at automated teller machines, leaving in place the requirement for a specific fee disclosure to appear on the screen of that machine or on paper issued from the machine. This final rule amends Regulation E to conform to the EFTA amendment. 
No fee of any find was on the screen.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX, credit inquiries are only permitted if there is a permissible purpose. According to 15 U.S.C. 1681b, a permissible purpose includes having explicit consumer consent or being related to a transaction initiated by the consumer, such as an application for credit, employment, or insurance. 

I did not authorize this inquiry, nor did I initiate any transaction with your company that would justify this inquiry. Therefore, this inquiry is in violation of the FCRA. The presence of this unauthorized inquiry on my credit report is negatively affecting my XXXX XXXX and could potentially impact my financial opportunities. 

I request that you immediately investigate this unauthorized inquiry and provide me with documentation or proof of my authorization. If you can not provide such proof, I demand that you contact the credit bureaus ( XXXX, XXXX, and XXXX ) and request the removal of this unauthorized inquiry from my credit report. 

Please provide me with written confirmation of your actions to resolve this matter within XXXX  days of receiving this letter. Additionally, I request that you provide the name, address, and telephone number of the person or entity that authorized the inquiry, if applicable.
Product: Checking or savings account

ON XX/XX/year> at XXXX XXXX a charge labeled XXXX XXXX XXXX XXXX  was withdrawn from my cashapp account using ACH. I called XXXX to inquire about the transaction and they have no record of the transaction in their system. I also checked my transaction history in my XXXX account and there is no record of the transaction. I called cashapp and disputed the transaction but they concluded that the charge was from XXXX and that I need to take up the matter with them. So, once again i called XXXX about the transaction and they again stated they had no record of the transaction, they also asked my for a transaction ID so they could track the charge but cashapp will not provide me with one. So, i have no idea what this transaction is for and neither cashapp or XXXX will refund me my money. I also received an email from an email address called XXXX that XXXX have included below. This whole thing is very fraudulent and cashapp and XXXX can't provide me with any information about this charge. Both companies claim the other is responsible for the charge and just keep sending me in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement In XXXX XXXX XXXX when I attempted to apply for credit, I realized that there is Two fraudulent accounts opened under my name from XXXX XXXX XXXX ( ALL of MY personal info was compromised, name address banking info etc. ) The first account is for the amount of {$9800.00} and the second amount is for {$6600.00} once I realize this I filed a dispute with all three credit unions. I then reached out to the XXXX XXXX XXXX personally, and spoke to a representative by the name of XXXX XXXX. I have submitted all the requested documentation to XXXX XXXX to receive a letter of acknowledgment of the fraud incident. my request to have this issue resolved has been unsuccessful with Experian however XXXX and XXXX XXXX has honored my request. This will be my second report to the Federal Trade Commission regarding this matter. as of this date, XXXX XXXX and XXXX have permanently removed and blocked this reports on my credit file based on the grounds of identity theft due to the documentation of letter of acknowledgment from the XXXX XXXX XXXX. Experience, then proceeded to remove correct items on my report, but never removed the fraudulent accounts on my report. This is confusing to me. I have enclosed all the documents that I have sent over to Experian for a dispute that was never honored. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXXXXXX XXXX XXXX  Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} Acct XXXX XXXX Act # XXXX {$1600.00} XXXX XXXXXXXX XXXX XXXX  Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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: Prepaid card

Per complaint ID XXXX they responded they need proof of my Indiana employment and proof of current address and they will give me my money. Here is my wage transcript from IRS.gov account my current Driver 's license front and back for my current address. Also my phone number is XXXX please contact me once you receive my documentation
Product: Student loan

I applied for XXXX plan in XXXX. Nelnet would not give me any updates on my XXXX  plan application and i have called XXXX  so many times. I told them before my due date of XX/XX/XXXX that there is nothing on a status update. They told me it would have been processed for my XXXX plan witihn 30 days of XX/XX/XXXX. it was not and i had to request forebearance because they would not process my application. My appllication was approved on XX/XX/XXXX. I have multiple screenshots of XXXX hour hold times.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX XXXX every 45 days about the XXXX  unknown statues on my credit reports from Transunion, XXXX and XXXX  for the month and year of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent {$250.00} to XXXX XXXX via Western Union for products that were being advertise via XXXX. After 30 days of communication with the suppose company I never receive the items. Contacted Western Union to find out to get refunded back my money since there service was being use in a crime. Making them an accessory to wired fraud. This is another example of how scammers are still using Western Union to scam people thus making Western Union gulity of aiding and abetting wire fraud.