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

Block inc none other than cashapp Ive been complaining throughout the years about transactions that was being reported and Ive never gotten a refund back or wasnt able to speak to a live representative
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report. They are hurting my hability to get credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Today, I noticed unauthorized inquiries on my credit report that werent there before, and Im unsure of their origin. These discrepancies appeared during my usual credit check, and even refreshing the page didnt remove them. Im incredibly frustrated and demand a detailed review of my documents so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX, and NAVY FEDERAL CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and  NAVY FEDERAL CU with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I was a victim of the credit breach you all had. I was already a victim of identity theft in 2008 and now I was informed that you all had a data breach again
Product: Credit card or prepaid card

To Who it may concern ; This is about the consumer credit transaction entered with your company dated XX/XX/2016 and I extended your organization the credit for account XXXX. I hereby give your company WELLS FARGO CARD SERVICES notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

Wells Fargo Card services didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages.

Thank you for you attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have disputed this collection account four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the results remain the same. This collection account is from a medical debt by XXXX XXXX XXXX in XXXX, Illinois. At the time I had insurance and provided insurance to the hospital. My insurance sent me my explanation of benefits and it stated I was responsible for {$1200.00}. However, CMRE Financial Services and XXXX XXXX XXXX have a collection on my credit report for {$7500.00} which is a violation of my rights per the Fair Credit Reporting Act and The Illinois Balance Billing Law. This company has been reporting false and illegal information and have damaged my credit report by trying to make me pay something I did not and do not owe. They have been reporting failed/late payments since XX/XX/XXXX and I demand they be removed from doing any further damage.
Product: Credit reporting or other personal consumer reports

I tried to contact Experian several times because they have a report of a late payment, which was paid in full to XXXX XXXX XXXX  at that time, Experian continues to report this as a late payment with totally different and erroneous dates, I spoke with the manager of this bank at the nearest branch and they say that they reported good behavior on my part, Transunion and Experian do not report it and Experian does report it, so this is affecting me as a consumer. XX/XX/XXXX XXXX  XXXX XXXX late payment. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Since XX/XX/2023, I have not been able to use XXXX XXXX. I closed my account with USAA in XXXX because they made me pay back charges where I was the victim. Soon as I paid them off with money I didnt have, and went broke. I immediately closed my account with them by XX/XX/2023, at the latest. The amount was for {$1300.00} I had to pay. Fast forward four months later, and USAA is still a deterrence. I can not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit card or prepaid card

Fortiva opened a credit card in my name without my consent. The balance in my no interest Fortiva Retail account was transferred by Fortiva to an interest bearing credit card, negatively impacting my credit score. 

On XX/XX/, an alert posted to my credit monitoring app with a Risk Level of High. I contacted Fortiva on XXXX XXXX XXXX, at XXXX XXXX I was told by both a customer service representative and a supervisor that Fortiva sent me an email stating my Fortiva retail account would be transferred to a Fortiva Master Card unless I opted out by a certain date. I never received an email prior to Fortiva opening the credit card. Furthermore, I did not explicitly apply for or authorize a Fortiva Credit Card. 

The Fortiva supervisor informed me Fortiva was allowed to open a credit card in my name because I did not opt out in time. That's not how it works.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- U.S. DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX  XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, EXQUIFAX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, 15 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

i have a few inquiries on my credit report that do not belong to 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 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had a business banking account checking and savings with bank of American. 
I made transactions, deposits, withdrawals and debits. 
One of my clients wrote me several checks although one of them he stopped payment on and issued another I. Replacement. 
Bank of American accepted the deposits and confirmed w my client and then XXXX down my account after they collected the monies. 
Bank of America then alleged fraud all on their own even after speaking and confirming w client. BofA the states they were taking the funds and holding them indefinitely in hold harmless. 
They then recorded the transaction as a closing transaction, showing I had {$59000.00}. Which all of those funds belonged to me. 
As they said funds were being held on hold harmless. 
I sent over an indemnity agreement and they just ignored every other correction from me.
Product: Credit card

Citi continues to report inaccurate information to the credit reporting agency. I have disputed the information XXXX  and today they provided an update that continues to report inaccurate information. They are not reporting the XXXX payments I made in XXXX and are showing that a payment was not made in XXXX. In addition the balance of my account should be {$0.00} and it is showing as {$8500.00}. The payment I submitted on XX/XX/2024 should have brought the amount due to {$0.00} which is evidenced by both the letters I received by Citi and Citi 's response to my complaint. However, on XX/XX/2024, Citi submitted an update to the credit reporting agency that shows I did not make a payment in XXXX and I still have a balance of {$8500.00} which is negatively impacting my credit score and my ability to obtain housing, employment, and other critical services dependent upon my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer of the United States and i never gave XXXX  nor FNB OMAHA written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on XXXX, XXXX  AND XXXX. After my complaint was filed FNB OMAHA was removed from my XXXX  and XXXX  consumer report. As of XX/XX/XXXX FNB OMAHA and XXXX  willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but XXXX  and FNB OMAHA continues to violate. Labeled as exhibit C is the letter i received from FNB OMAHA on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading
Product: Debt collection

I am filing a complaint against CITIZNPAY for not responding after two attempts to write a dispute letter. They reported this debt on my credit report as a charge-off with a balance of {$3100.00}. I asked for a copy of the procedures that this company has in place to make sure that they comply with the law and that the account is reporting accurately but they failed to respond. They also violated FCRA Law 15 U.S Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and this company gives me. Hard time to dispute inquiries they claim they dont and their un disputable their crazy when in the past they would have them deleted
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.
Product: Debt collection

This company is trying to fraudulently add information to my credit report. I tried to verify debt via verification letter and they couldnt provide receipt or original contract for amount between National Credit Systems and I therefore all but one credit bureaus decided to remove. XXXX has been blocking my attempts at removing this debt off my record. Please do not be complicit in spreading fraudulent information. This is a good will attempt to correct my report before legal action will be pursued. I have also made a complaint with the BBB and it has gone nowhere, as the company refused to answer to or provide any of my requested questions and information. 
Per XXXX regulation, burden of proof falls upon the COLLECTOR not the COLLECTEE. I am not answering any questions or providing any information until the debt has been verified.
Product: Debt collection

The company is saying I owe them {$1000.00} I do not owe them they responded with a signature for a guy name XXXX who is it me and I am not XXXX
Product: Mortgage

Hi, My name is XXXX XXXX XXXX and I am a Certified XXXX XXXX XXXX in the state of Georgia. I am receiving threats and being harassed, via email and text messages, from a Loan Officer with LoanDepot regarding an appraisal I performed on his property. The Loan Officer is XXXX XXXX GA Lic # XXXX & XXXX # XXXX. 

On XX/XX/XXXX of this year, I started receiving emails and text messages for Mr. XXXX stating he was upset with the market value of his home and is threatening retaliation if I do not change the value. Mr. XXXX has continued to threaten and harras me to include his latest text message on XX/XX/XXXX at XXXX XXXX. 

I have filed a complaint with his company, however, after talking with his supervisor, XXXX XXXX, It did not appear that anything will be done and have not yet received a resolution. 

Threatening and harassing an XXXX is a serious violation and I am asking for your help in this matter. 

Attached are the emails and text messages from XXXX XXXX. Note that the emails are from his XXXX email account and contain his picture and position at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX
Product: Debt collection

I was recently contacted by a company named XXXX XXXX XXXX XXXX via mail and phone. This company claimed that I had to pay {$3400.00} in debt for a car accident that I was involved in a few months ago. However, the car accident was dealt with by the insurance company immediately after it happened, no one was charged, and the claim was closed by the insurance company. Immediately after being contacted by Afni, I called the insurance company and they did not know anything about this Afni company. 
Afni threatened to report me to the Department of Transportation as well as mess up my credit report if I do not pay them the money.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is my third CFPB Complaint, my account is restricted and I was told to verify my ID and SSN card, SSN form and I sent that over to them, however now their requesting a bank statement for a payment I made XX/XX/XXXX that cleared months ago, they are letting me know why they need my bank statement for a payment that cleared months ago, I did let them know I would not provide my bank statement for my privacy as it contains my private information and Capital One not telling me why they require it. I had this account for years and Capital One is treating me terribly with poor customer service, the person handling the case XXXX is not being responsive and not helping me with my case and I would like a manager and someone else to help me with this matter. I wanted to dispute some unauthorized charges on my account as well but I am not able do so because there is a restriction. 

I am also filling a consumer complaint with The Office of Attorney General XXXX XXXX because this issue has been unresolved now for months.