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

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I XXXX have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX - Please refer to this previous Keybank complaint and response. 

Keybank instructed us to file a dispute of transaction from XXXX to Keybank to get the funds that Keybank has kept from us which is {$3000.00}. XXXX XXXX  has reached out to Keybank to get the fund back as instructed by Keybank, but Keybank refused to release the fund to the original sender. Please let us know how we can get our money back from Keybank, or how we can escalate this issue to get our money back from Keybank. 

Attached is the previous letter of response from Keybank from the last complaint.
Product: Credit card

I opened a Capital One Credit Card and filed a dispute claim with them regarding an unauthorized charge of {$210.00} from XXXX Rental Car. They credited my account and then charged it back XXXX XXXX, XXXX at XXXX XXXX stating that XXXX Rental Car responded with screenshots from the internet that show NO authorization from me. I was appalled and replied on XXXX XXXX, XXXX to further dispute with a SIGNED statement from me that I did not rent a car, nor made any reservation, and closed my account. They acknowledged that they received my documentation on XXXX XXXX, XXXX at XXXX and that was the last correspondence I have received from them. 

On XXXX XXXX XXXX I engaged in a Chat session only resulting in continued false promises. 

The charge is still on my closed account and is being inaccurately reported to the XXXX Credit Agencies. 

I have made multiple calls to them to resolve this issue only to be passed around to multiple representatives that do not speak correct XXXX and have difficulties understanding what I am saying for over 30 minutes to over an hour each time with continued false promises of resolution that has yet to be resolved. 

When asking to speak with a US customer service representative that speaks XXXX as a first and primary language, I am transferred to another offshore representative that does not speak XXXX as a first and primary language, which continues until I am at my wits ends. 

I would like assistance from the Consumer Financial Protection Bureau to resolve this issue with Capital One and XXXX XXXX to resolve the unauthorized charge and with the XXXX Credit Bureaus to remove the inaccurate information from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I purchased a pair of shoes from XXXX XXXX XXXX for {$200.00}. The purchase was made through Google Pay with the invoice in the description of the purchase. On XXXX XXXX, I realized there was no update made on my shoes being sent to me and I also noticed that XXXX XXXX XXXX didn't send a tracking number and blocked me from contacting them. As soon as I found out I was being scammed, I contacted Google Pay to dispute the payment to XXXX XXXX  XXXX  and I also contacted my bank ( XXXX  XXXX XXXX ). XXXX  XXXX XXXX said they were contacting Google Pay to resolve the dispute and that they couldn't do anything on their part because the purchase was made through Google Pay. Google Pay supposedly did an investigation and it got nowhere on my end. It was obvious that I was scammed and Google Pay did anything about it. XXXX  XXXX XXXX repeatedly told me that it could take up to 90 days to resolve this dispute and I waited patiently. I was willing to provide adequate evidence to both XXXX  XXXX XXXX and Google Pay but they wouldn't allow me. I waited patiently and after months, I still have no justice. I was scammed in the middle of a pandemic and Google Pay allowed it.
Product: Credit reporting or other personal consumer reports

he accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. When I reviewed my TransUnion report, I found several inaccuracies and incomplete details. According to the Fair Credit Reporting Act, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information, as stated in 15 USC 1681 ( e ) ( b ). Additionally, under 15 USC 1681, if any disputed information is found to be inaccurate or unverifiable after a reinvestigation, the consumer reporting agency must promptly delete or modify the information and notify the furnisher. 

INQUIRIES TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I may presume that there is no proof of the alleged debt, and therefore, no such debt in fact exists. 


Collections /charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX I WAS ALSO EXPOSED TO THE DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I, XXXX XXXX XXXX , am writing on my behalf to express serious concern over inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ) found in my credit report from TransUnion.

Upon my review of this report, I have found multiple discrepancies, including incorrect addresses and several derogatory marks that are not associated with me. I must stress that I have never provided written permission for these details to be added to my credit report. This behavior is a clear violation of the FCRA. 


I also request the immediate removal of the following incorrect previous addresses : XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my address to the following : Furthermore, there are derogatory marks on my credit report that are incorrect. The specific accounts are as follows : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accounts # XXXX Account Type : Collection Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Type : Collection Account Status : Derogatory Balance : {$960.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I request that you take immediate action to investigate and rectify these inaccuracies. In accordance with the FCRA guidelines, I expect these inaccuracies to be corrected within the stipulated 30-day timeframe. If these inaccuracies are not rectified within this timeframe, I may be forced to seek legal redress.

Please note that the FCRA, under 15 U.S.C. 1681 Section 602 A, stipulates my right to privacy. Additionally, under 15 U.S.C. 1681 Section 604 A, a consumer reporting agency can not furnish an account without my written instructions. Any violations of these regulations will lead me to seek a fine of {$1000.00} per violation as provided for under the FCRA.

I anticipate your immediate action to investigate these matters and provide written confirmation once the requested changes have been implemented.

Thank you for your prompt attention to this critical matter.
Product: Credit card

Hello, and Good Day to you. I'm reaching out in attempt of rectifying this matter for the above account. I noticed that this account was charged off and you claimed a profit loss with the IRS. I'd like to file this account on my taxes and I've never received the 1099-c. Please send this immediately to my current address on file. The ( XXXX XXXX ) address will suffice. Thanks in advance.... 

Also I'd like to know the date of first delinquency according to your records
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY CREDIT REPORT ARE NOT VERIFIED AND UNAUTHORIZED.
Product: Payday loan, title loan, or personal loan

My bank account with PNC won't allow me to connect to the loan website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX XXXX put a negative action on my credit report when it wasnt.
Product: Debt collection

I contacted XXXX XXXX company to resolve a debt that was owed to XXXX XXXX. I was able to settle the amount, however was not able to get them to remove it from my credit report. I have recently paid off 5 other accounts with different collection agencies and all of them are stated that they are removing the items completely from credit report. This company stated that they will not and could not. They stated that they would not contact XXXX to see if they would be willing to remove. In addition to this when I asked to speak to a supervisor I was denied stating that the manager was busy and that I could continually call back in hopes of getting in contact of one. This practice seems to be unfair due to the fact that 5 out 6 are willing to remove and would like to get this removed as well.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/2024 Compliance Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with JEFFERSON CAPITAL SYSTEMS, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ).

Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/2024 I have reviewed my credit report from [ XXXX XXXX and XXXX inaccurate information regarding my account with JEFERSON CAPITAL SYSTEMS. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I have used several credit cards issued by the Pentagon Federal Credit union. In XX/XX/XXXX I filed for bankruptcy. One of my PENFED credit cards Travel Rewards XXXX ending XXXX was delinquent and was reported in the bankruptcy petition. However, the rest of PENFED credit cards were paid off and were not included in the bankruptcy. In XX/XX/XXXX, exactly one year ago, I learned that PENFED reporting a VISA credit card ending XXXX as delinquent and included in the bankruptcy, which is absolutely incorrect! I contacted PENFED customer service, explained the situation and provided a copy of my credit report, and asked to correct this issue. 
Unfortunately, PENFED absolutely neglected my request and continuing to report incorrect information, which is negatively impacting my credit.
Product: Vehicle loan or lease

Alliant Car Buying Service : XXXX XXXX XXXX  They advertise a .50 % off interest rate if a car XXXX purchase is found through their service. I found a car advertised on this website and contacted the dealer as instructed through this website. I then applied for an auto loan with Alliant Credit Union and was approved on XX/XX/21. 

The loan officer working on my application - XXXX XXXX Loan Consultant XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS : XXXX I inquired about the XXXX interest rate deduction with him with the following verbiage : ( To XXXX  : ) " I found the car through the Alliant/True Car buying service and it stated I would receive a XXXX50 discount in rate if I found my car through that service. Is that included? '' - This was sent on XX/XX/21. 

I received a response : " To receive the XXXX XXXX rate reduction you need to upload the certificate showing the dealers name and address, your name and Alliants name on the document. '' Received XX/XX/21 I replied on XX/XX/21 with the following message. 
" What type of certificate do I need to provide? Does it have a name so that I can request from dealer? '' I had no idea how to obtain the requested certificate. There were no instructions nor any assistance through the car buying process that I could find assistance with this certificate. 

I never received a response from XXXX regarding this question. 
At no point did he state I needed to provide this documentation prior to loan funding. 

Without a response, I sent a follow-up email to XXXX on XX/XX/21 : " Can you please advise specifically what you need to give me the .5 interest rate deduction for purchasing through Alliants car buying program. '' I received a response from him on XX/XX/21 stating : " You would have needed to upload the certificate from our web site before the deal funded. Since the deal has funded we can no longer accept the certificate. '' No where was this communicated to me. My additional follow-up attempts were all ignored. 

I was not given an opportunity to receive the promoted rate, nor was I treated fairly in regards to receiving all information I requested. I would like to issue this formal complaint against Alliant Credit Union for their unwillingness to honor an advertised rate given the fact that I met requirements to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed
Product: Debt collection

This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Checking or savings account

Chime was aware of documents and debit cards being stolen from my vehicle during a visit to my family in another town. Disputed claims for XXXX $ that had popped up and for XXXX $ and have been denied my dispute claims. Chime was provided documents and proof such as a police report of the occurrence and but still has denied my claim.
Product: Debt collection

DESIGNED RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX This company continues to mark this complaint as a duplicate complaint! THIS IS NOT A DUPLICATE COMPLAINT! I do not believe I owe this money. I have requested a letter of validation and this company refuses to validate the debt. I have requested in writing that they stop calling me and they are still calling me daily when they call they pretend to be an attorney and threaten to sue me.. I am disputing this debt and by law this company must cease all collection activity and they can not report me to the credit bureaus. They have not as much as informed the CRA that I have disputed this account. THIS IS NOT A DUPLICATE COMPLAINT! I am still waiting for a debt validation letter. They can not validate that this debt belongs to me. They must stop collection efforts and remove negative reporting from the CRA! This company is in violation of federal consumer financial laws. This not a duplicate complaint.
Product: Credit card or prepaid card

First problem is that this company stole my money : XX/XX/2020 Posted date XX/XX/2020 Merchant info XXXX DescriptionXXXX  MethodOnline, mail or phone Card number ( ... XXXX ) CategoryProfessional services This company stole {$1400.00} from me, they were supposed to give me access to a website and a daily newsletter. I am not getting anything from the fraudulent company. Chase is NOT responding to my emails and when I talk to customer service they are extremely rude. I have not received a credit from Chase and they are not investigating. 

Second problem, back in XX/XX/XXXX I sent about {$600.00} to XXXX via Chase. XXXX says they never got the money from Chase. Chase claims they sent it. Again, I lost {$600.00} due to Chase being inept.
Product: Credit reporting or other personal consumer reports

Sofi Bank keeps reporting accounts on my credit report that do not belong to me. I keep disputing with the Sofi company directly as well as with the credit bureaus XXXX, XXXX and XXXX keeps reporting saying the information was verified and They can't tell me how they verified he information Sofi Bank Acct # XXXX Sofi Bank Acct # XXXX
Product: Credit card

My daughter and I called Citi bank today around XXXX XXXX  ET to discuss options available to avoid defaulting on my credit card. Due to my health drastically declining, I am unable to work full time. This has resulted in a substantial loss of income. I am still current on my accounts but will not be able to make the payment in XXXX. Citi bank would not discuss or offer payment assistance because I am current on my account. When I asked to speak with a manager, they told me no managers are available on Sunday but I could speak with another agent. I said I would like to speak with another agent and she said to hold, then the line was disconnected. She also refused to speak with my daughter, who is helping me and I gave verbal consent for her to discuss my credit card situation with my daughter.
Product: Checking or savings account

My concerns regarding Wells Fargo checking and saving account. I have been banking with the bank for over 30 years. In XXXX  I sold my home, social security and a lawsuit that took my total {$170000.00}. During this time, I was dealing with a rare XXXX  XXXX. I recently received Fargo sent a letter regarding products submitted to my account without my permission. My first check was XXXX for products that were taken from my account. I soon received a second a letter regarding another product sells. I went to the Bank in XXXX CA and the banker open my compliant. I wanted my account reviewed, but no one would help me with my questions. The amount owed to me has changed from {$2300.00} to XXXX. I not received the check, but my case have been closed. My case manager has not returned my calls, My Case Manager XXXX XXXX ( 7 times ). I have not received any detailed paperwork after requesting an audit on my account. Reference # XXXX Please assist me with this matter. There is a least about XXXX