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

I have requested verification of these alleged inquiries numerous times. Publishing information on my credit consumer report without obtaining my written instructions is a violation of my rights per 15 USC 1681 Section 604 A Section 2. I am FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. DELETE ALL ALLEGED AND INACCURATE INQUIRIES IMMEDIATELY!
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 XXXX 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 corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Case number : XXXX this case has been submitted but now the debtor refuses to return phone calls to me or my lawyer. but he also refuse to validate the debt to me also. so this is been going on since XXXX he has been game after the other. We at this point if Citi would make a offer just pay it so the game playing would stop, yesterday citi had the paid judgement remove form my credit report they do n't know which end is up or if paid or not no mention was made why they reported paid. I want to settle and move on preferably citi and can pay there attorney since they wont return phone calls or letters they may answer you
Product: Mortgage

Loan Depot has failed to pay my town property taxes. Due to their non payment my name will be listed in the town letter for the next 3 years causing my reputation harm. I have called them to try and resolve this multiple times but all I can get out them is " It 's being worked on '' At no point have they been able to give me any indication as to when my town taxes will be paid or what the actual status is with the process. They are unable to let me speak with someone who can actually be of assistance and block all attempts at escalation.
Product: Credit reporting or other personal consumer reports

In XXXX, I reviewed my credit reports from XXXX, Equifax, and XXXX and identified several inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include the reporting of late payments, charge-offs, and derogatory accounts without proper validation or investigation. The inaccuracies involve accounts with XXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, and Affirm, among others. 

For example : A XXXX XXXX account, opened XX/XX/XXXX, shows a {$230.00} past-due balance as of XX/XX/XXXX, despite disputes about its accuracy. 

An XXXX XXXX account, opened XX/XX/XXXX, reflects {$100.00} written off despite being paid and closed. 

A XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX, inaccurately reports a {$360.00} past-due balance as of XX/XX/XXXX. 

I have submitted disputes and requested validation under 15 U.S.C. 1692g, but the companies failed to correct or validate these debts. This inaccurate reporting has caused harm to my credit profile, violated the FCRAs reinvestigation requirements under 15 U.S.C. 1681i, and included practices that violate FDCPA provisions, such as harassment ( 15 U.S.C. 1692d ) and false representation ( 15 U.S.C. 1692e ). 

I seek the removal of all inaccurate and unverifiable information, proper validation of debts, and compliance with federal laws.
Product: Credit card

I am again sharing the facts about the fraudulent charges made on my Barclay 's Card in XX/XX/2022 in New York. If you look at all the evidence I've shared there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX  on XX/XX/2022. I was in XXXX XXXX. XXXX shared that I was at work and XXXX XXXX  Then I shared documentation of my Mom 's plane ticket and hotel bill as proof that my mom was at the airport then on a plane home on XX/XX/2022. She did not realize she had lost the card in XXXX, XXXX on XX/XX/XXXX until we started receiving threatening letters from Barclays about charges we never made and items we never purchased in XXXX because we were home in XXXX XXXX. My mom can get a letter from her doctor that proves she had an appointment and was back home in XXXX on XX/XX/2022. She has not visited New York since she left on XX/XX/2022. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED. 
I have a XXXX and this is causing extreme stress and suffering because you are denying documentation that proves there was no possible was we could have made the charges in dispute. In addition, we have disputed these fraudulent charges at least 5 times and it seems that Barclay never put the interest and penalties on hold. If you continue to deny this dispute as fraud, even though we have shared all the documentation necessary that proves this is fraud, you will be forcing us to retain an attorney. I ask that you cancel my credit cards with Barclay 's and take time to carefully review that documents we shared that leave NO question that this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted the company via email on more than one occasion. I have a XXXX  balance which shows to be true on their website. They also reached out and stated that my account is no longer with their company and to contact my school. I have not heard from my school in this regard. However the debit that is shown on my credit report is not correct and disputing this with picture proof of no balance, nothing was done. It took no more than a few hours for my dispute to come back as nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's website claims you can temporarily lift a security freeze either by phone or online. I have a pin, yet when I tried to lift the freeze online I was sent to a page that told me I had to do it by mail. When I called the number that was provided to lift a freeze, I was told I had to do it by mail. I have a small window that I need this freeze removed and doing this by mail will not work for me. I'm trying to be pro-active in protecting my identity, yet this company is making it impossible for me to be in charge of my own information. There is no phone number to be able to call to speak to someone in person.
Product: Credit card or prepaid card

I purchased an air ticket on XX/XX/2022 with card ending in XXXX. I made the purchase on the U.S web site of XXXX XXXX through their U.S office. From start to end XXXX XXXX showed me the price of the ticket in USD only. There was no mention anywhere during the selection and booking process regarding the payment being in any other currency than USD. 

Which is why you can imagine my unpleasant surprise when I saw on my credit card statement a charge of {$18.00} from Bank of America. 

It is a small amount of money, however, I am making this complaint out of principal. There was never any warning nor head 's up regarding making a foreign purchase on the XXXX XXXX web site. XXXX XXXX has offices in the U.S AND I made the purchase via XXXX XXXX XXXX XXXX web site. I should NOT be charged a foreign transaction fee. 

Bank of America should refund this fee as a one-time courtesy. Customers should not receive a foreign transaction fee without any kind of notice what-so-ever about it. Again, the price was shown to me in U.S dollars only from beginning to end. Is this even a legal practice to show a customer a price in USD only and then charge a foreign transaction fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Deletion of Fraudulent Hard Inquiries from TransUnion Credit Report Dear Sir/Madam , I hope this letter finds you in good health. I am writing to bring to your attention a distressing situation I have encountered involving fraudulent hard inquiries on my TransUnion credit report. As a victim of identity theft, I kindly request your assistance in rectifying this matter by promptly removing the following fraudulent hard inquiries from my credit report : XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion I can assure you that I have not authorized any of the aforementioned inquiries on my credit report. The appearance of these unauthorized hard inquiries is not only distressing but also jeopardizes my financial standing and overall creditworthiness. The impact of these fraudulent entries has caused me significant concern and stress, and I seek your intervention to rectify this situation. 

As a responsible consumer, I have diligently monitored my credit report, and it was through this vigilant practice that I discovered these fraudulent hard inquiries. I immediately contacted TransUnion and submitted a formal dispute with supporting documentation, but I have yet to receive a satisfactory response. Hence, I am turning to your esteemed organization, the Consumer Financial Protection Bureau, for assistance in swiftly resolving this matter. 

I kindly request that you conduct a thorough investigation into these fraudulent hard inquiries and take appropriate action to remove them from my TransUnion credit report. I have attached relevant supporting documents. 

I am more than willing to cooperate fully with your investigation and provide any additional information or documentation that may be required. I have faith in the Consumer Financial Protection Bureau 's commitment to consumer protection, and I am confident that you will act promptly and decisively to rectify this injustice. 

Please inform me in writing of the actions taken and the outcome of your investigation. I kindly request that you communicate any updates or resolution to the address or email provided above. I eagerly anticipate a swift and favorable resolution to this matter so that I can restore the integrity of my credit profile. 

Thank you for your attention to this urgent matter. I am deeply grateful for the work you do in safeguarding the rights and interests of consumers. Your support will not only bring me immense relief but also reinforce my trust in the financial system 's commitment to consumer protection. 

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

Ive contacted the companys and the courts and the information is still reported on my file.Ive also uploaded a police report to have them removed expeditiously as Im a victim of fraud and information is still reporting. 
XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$540.00} 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 or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

15 U.S.C. 1681section 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 conviction 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 imformation 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: Debt collection

I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX XXXXccount number : XXXX Date opened : XX/XX/XXXX Balance : {$500.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$250.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account TRANSUNION INQUIRIES : 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 XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Vehicle loan or lease

Late XXXX ( XX/XX/XXXX ), I received a Tesla XXXX as a brand new car. This car was sold with a prior owner and accident. During the purchase process it was never disclosed to me this car had a prior owner and accident. I would have not accepted the car if it were disclosed to me. 

I have tried communicating with Tesla, but they claim they dont have an answer for me yet. Its be month+ since Ive submitted my request with them. 

In mid XXXX, my car got hit while parked. I went through the process of repair and then submitted a diminished value claim which was denied due to prior accident. The car had been in an accident a couple months prior to my ownership which was repaired months after the accident. I am having an emotional roller coaster with how I feel about the car. There 've been issues with the car here and there which I just thought were factory related issues. 

Tesla failed on multiple occasions that they will not work with me, and was hoping to get legal counsel to help out with.

1. Car was sold with prior ownership.

2. Car was sold with previous accident.

3. The car 's previous history was not disclosed to me.

4. Tesla provided the false sense that this car was sold as brand new.

5. At one point they had a warrant
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 process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Please add the credit fraud alert for all my accounts as soon as possible! Someone tried to use my information to apply for loans.
Product: Checking or savings account

As of XX/XX/2022, I noticed my savings account which contains {$36000.00} was blocked. When I contacted citi bank, they would not release any information as to why. I spent hours with different departments. They only stated its set for closure and it will take 1 to 2 business days to review and 14 days to receive a check for my funds. After a week my online access has been blocked as well which also holds my credit cards linked to citi. Unfortunately, now I can not access my bank statements either. I called several times again to see about getting my online banking unblocked and ask about the review for my savings. This time they said they can not give Any information other than now it will take 60 days to receive my funds and that they can not unlock online banking This is very frustrating as I need access to my funds immediately. From what I have been dealing with from citi seems like they are trying to keep my funds. I need assistance in retrieving my funds back. I have also read of similar situations which makes this a big concern for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and Experian failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and Ill like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.
Product: Credit reporting

Recently my bank XXXX XXXX XXXX requested my credit report in order to give me a loan for a house and appeared on the report a bankruptcy.I have never declared a bankruptcy.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information FTC Report Number : XXXX First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX Personal Statement I did not authorize these inquiries to be pulled from my credit report and i want them to be remove 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 Accounts Affected by the Crime Fraudulent Charges to My Credit Card Company or Organization : Date XXXX XXXX XXXX XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX XXXX that I discovered it : XX/XX/XXXX XXXX XXXX ser Date that I discovered it : XX/XX/XXXX XXXX  Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it XXXX XX/XX/XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00}
Product: Checking or savings account

First they held up a XXXX deposit for money that was owned me. second when I went to transfer some of the money to one of my other accounts. they did not do it. This is a transfer to account that is mine and I have done 25 times since XX/XX/2020. I did the transfer at XXXX XXXX by XXXX it still wasn't done. I called and talked to XXXX and he transferred me to XXXX. Who placed notes and said he didn't know why the transfer didn't go through. Then he said it would go through in a few minuets. I waited until XXXX called back because the transfer did not go through. I talked to XXXX. that is what she said her name was. She transferred me to XXXX. who looked at the account and said everything I said was noted on my account. then he said it would transfer now in the morning. I asked to speak to a supervisor. I was on the phone holding for 30 mins and no supervisor came on the phone. I hung up and then I went to pay some bills online, There was a problem with my card, I then got a email saying my transfer was canceled and that I needed to go online and look at a secured message from chase. When I went to log on my online was blocked and there was a number saying to call XXXX. I called and the recording now says they are closed. They are profiling me and using words to XXXX to me and if they did it so easily to me that means they have done it to others. This is not customer service. when a customer has to call several times and they don't tell the truth. I have been profiled because of the money I have in the account. If I had a XXXX dollars in there they would have taken care of the problem immediately. That is not treating customers the same. That is selective customer servicing. You can pull up the recording of our conversations but I bet they will say, we don't always record every call. With that they are now lying on the phone to all customers. This better not touch my credit I've worked hard to keep in good standings. This is not fair in any way!
Product: Checking or savings account

On XX/XX/2023 I sent XXXX to myself from my chime account... When I tried to claim the funds the link stated something went wrong and I was not able to claim the funds. I sent myself XXXX dollar and I was able to claim those funds. I have proof that the funds were never claimed. When I try to re claim the XXXX dollar that I sent it says your funds has been claimed. When I click on the link to claim the XXXX dollars it says something went wrong. It does not say the funds were claimed. I have attached the screenshot.