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

Consumer Name : XXXX XXXX XXXX XXXX, Consumer XX/XX/XXXX : Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Acct # XXXX Open Date XX/XX/XXXX ( private ), an auto loan account opened at XXXX XXXXXXXX XXXX  Acct # XXXX Open Date XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$220.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Cottonwood Financial DBA The Cash Store XXXX denied loans and attempted to collect on a debt that was discharged in a XXXX XXXX Bankruptcy. 
XXXX XXXX Collection attempts were made post discharge on a related third party. 
The third party was denied a loan based on the Bankruptcy discharge of a related family member, the collection attempt was made at the store and by phone. 

Collection attempt was made at the store in XXXX XXXX, WI when a new application was submitted. 

Bankruptcy is a civil right which Cottonwood Financial/The Cash Store chooses to disregard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RECMGMT SRVC is claiming that I owe them {$110.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to XXXX XXXX and Equifax credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XX/XX/2019 received text and e-mail messages that Debit cards had been ordered on my accounts with US Bank. When I called US Bank I discovered that a male person ( I am female ) posed as me and called the 24 hour banking line to order these cards. He knew personal information such as my name, e-mail address, and mailing address, as well as my debit card number and pin. I had the card in my possession at the time. On XX/XX/2019 this person used my debit card number on the USPS mailing address change website to change my address in Washington to an address in Florida ( I do have the data for that address as well ). My bank account was charged the {$1.00} fee, which they have refunded. I spoke with USPS, but was not able to stop my mail from being forwarded to Florida. They can not confirm what or if any mail with my name was actually delivered. They are holding my mail and are supposed to be sending it back to my address in WA. I cancelled my debit card in person at the bank and ordered a new one,  which I did receive. The bank kept my old card. This person also attempted to change the e-mail and mailing address on my bank account, he was not successful.
Product: Checking or savings account

I rented a care through a third party ( price line ) for XXXX XXXX  XXXX  I returned the vehicle two days late and the car company over charged me {$1000.00} for the two days. I disputed the transaction. and bank of America allowed it. I provided rental agreements and receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; EQUIFAX MORTGAGE SERVI XXXX XXXX US SM BUS ADMIN ODA 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, RE : XXXX account XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, I had an account with XXXX that went delinquent due to some medical issues while waiting on my social security to become active. The account was closed on XX/XX/2019 but I made a payment arrangement with and agreed upon monthly auto withdraw. This was a fixed payment arrangement in the amount of XXXX XXXX  monthly, and it was auto deducted every month. XXXX violated our agreement and violated the Fair credit reporting act by, submitting. ( 16 ) 60-day lates and ( 2 ) 90-day lates that are all false because we made a new mutually agreed upon payment arrangement. I called XXXX to question these false and on going lates and they confirmed I was never effectively late during the payment arrangement but that they had a policy that they would report lates anyway while we were in this arrangement. XXXX states that I signed an agreement that stipulated these lates would continue, but there is no signed document. I requested a copy of the agreement they state I signed. Twice and they essentially refused to send it to me. They admitted on a recorded call that we did have a new payment agreement with a new fixed payment and that we honored the agreement and paid it all in full. 
Since we established a new payment agreement by phone, they have violated the Fair credit reporting act because the 3-credit bureau reporting requirement asks if Paid as agreed all payment were made on time and auto deducted by XXXX. So, reporting 60-day lates and 90-day lates are lies and false reporting. They claimed it is a charge off, but I set the payment agreement before it was charged off. 
I have been defrauded, my credit score has been weighed down and my capacity to borrower as needed for my family has been diminished. But I believe their false reporting is a pattern that is harming Americans of which I happen to be a 100 % XXXX veteran. Such practices should be sanctioned, and an in-depth investigation should be done see how often XXXX XXXX  has violated its customers rights in false reporting to harm its clients who have had hardships. Its hard not to see this as malicious intent and behavior by a company that should be helping their clients in hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX esq. XXXX FTC
Product: Credit card or prepaid card

American Express moved me from paper statements to paperless billing without my knowledge or consent. I do not have an online account. I never signed up for paperless and I don't want to. As a result I receive NO bills and my payments are invariably delayed. 

I have tried multiple times to fix this situation with American Express by requesting a return to regular paper bills. American Express refuses to do this - even though the move to paperless billing was not authorized by me in the first place. 

Any help you can give would be appreciated
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXXXXXX Vehicle was purchased legally in XXXX  trew a tow company with Lien sale paperwork, all lein sale paperwork legal, verified by dmv and lien sales department in XXXX, XXXX  register process has been sumited to XXXX  dmv pending smog, company repo car illegally won't release car or information on vehicle where abouts
Product: Credit card or prepaid card

On Tuesday, XX/XX/2018 I received text and phone fraud alerts from my banking institutions ( USAA and XXXX XXXX XXXX ) alerting me to fraudulent activity on my credit cards. The amounts were : {$440.00} charged to my XXXX XXXX at XXXX {$1300.00} charged to my USAA XXXX XXXX at XXXX {$920.00} charged to my USAA XXXX XXXX at XXXX When I checked my wallet, both of those credit cards were missing. I believe my credit cards were stolen from my wallet on the morning of Saturday, XXXX XX/XX/XXXX. I have filed a police report with my county Sheriffs Office, a copy of which has been provided to USAA. 

My cards were NOT in my possession when the fraudulent purchases were made. XXXX XXXX XXXX quickly reversed the {$440.00} charge and the resulting fees. USAA also initially reversed the charges and issued me a replacement card, but then the charges appeared on my statement again on XX/XX/2018. I never received a notification explaining the charge reversal, and only noticed it when reviewing my account history. 

I have tried numerous times to resolve this issue with USAA, asking them to remove the fraudulent charges from my account. I have called weekly, but am told every time that my case is still in progress and there has been no resolution. I am beyond frustrated that this has dragged on for 10 months with no assistance from USAA. 

Please contact me if you need any additional information. Thank you.
Product: Money transfer, virtual currency, or money service

I sent a wire from my Business checking account to a XXXX business checking account for a client. I had previously sent a wire, to the same client, from this account without issue. This was sent on XX/XX/XXXX in the XXXX BOA branch. I went to the bank the next day to check on the wire and they confirmed that it was sent and did not know why it wasnt recieved by my client. I followed up almost daily by phone, email or physically going into the branch. The wire did not go through until XX/XX/XXXX with BOA holding it for being suspicious. I was never contacted or advised on the reason. In fact the manager, XXXX XXXX, pushed me to recall the wire and promised to remove the wire fee, as well as the recall fee, when everything was complete. 
The wire team finally called me on XX/XX/XXXX and released the wire. This was recieved by the client on the XXXX. Which was 20 days after the initial wire transfer. 
I was upset by BOAs service and lack of knowledge on where my money was. However, the true issue is the charges that BOA left on my account. I contacted the manager, XXXX XXXX, to remove fees by phone initially. I was never called back. I sent her several emails which were also not returned. I then went into the branch on XX/XX/XXXX. The business advisor let me know he received my emails but that he was not able to return the fees. It needed manager approval. I asked to speak with XXXX and to remind her I had reached out countless times. She was in the branch, but refused to come speak with me. She advised she was busy checking people in and couldnt leave the front. I asked for the number to file a complaint with BOA and was given an incorrect number. I spent close to theee hours on the phone and was transferred and hung up on 6 times before giving up. I do still have my accounts with BOA but keep business to a minimum. They steal fees and hold funds to collect as much as possible. I am owed over {$45.00} from the incompetence and lack of service provided
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Money transfer, virtual currency, or money service

CFPB reference number XXXX Information requested for XXXX XXXX/Merchant DBA name XXXX XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX, XXXX XXXX billing transfer account number Government Office of XXXX XXXX Administrative file number XXXX  XXXX. 
Registrar
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion on XX/XX/2019. I sent a follow-up letter to TransUnion via certified mail because I had not received any updates on the dispute. On XX/XX/2019, TransUnion sent a letter stating the dispute that I submitted was illegible. They suggested I type the dispute and resubmit it. The original dispute WAS typed and included proof of my identification, which they also stated that they needed. This is simply an attempt by TransUnion to avoid investigation of a dispute within the allotted 30-day time  limit.
Product: Checking or savings account

I have had a Capital One 360 Savings Account for years. This account advertised high market base interest rate which I received. Without notice, they dropped the rate to a very, very low rate. I called and they said that I need to open/transfer to a new account type to receive the current high market rate. They would NOT credit my account for past interest.
Product: Checking or savings account

On XX/XX/XXXX I contacted PayPal to have {$50.00} transferred to XXXX XXXX XXXX XXXX XXXX in my account. A man came on the line and said it his name was XXXX XXXX and he worked for PayPal. I have his phone number because I hung up two or three times because Im slow on the computer he called me and finally I answered and he said in case we get cut off again here is my private number so he gave me a number which is still on my phone to call him back if we got disconnected I never received the money instead {$50.00} from my XXXX XXXX account went missing. on XX/XX/XXXX, I tried to send {$50.00} from PayPal again they said something about an e-check later when I question where the money went I wasnt trying to buy anything. I was just trying to make a transfer and it never happened. I asked for my money back and they sent me to about five or six different people to talk to and they were going to file it in the solutions a little while later I get a letter saying I was not going to get any money back but Im out of {$100.00} so what do I do now? How can I get my money back and I did it save the number that he gave me to call back said his name with XXXX XXXX XXXX and thats the email that I put in this text. XXXX XXXX said that its not their problem. It started with PayPal and they gave me the number to call PayPal PayPal says its not their fault.Its not my fault, I wasnt buying anything I was making a transfer. More info if needed
Product: Money transfer, virtual currency, or money service

l am filling a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices that violates 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

In XXXX I made Dispute for all three credit bureaus I didnt give written permission or consent 15 usc 1681a2
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/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
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.