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

Paypal has not responded to my communication request through email and their messaging system, which states that money was sent to them by XXXX through Visa.

This is an update to the case - please do not close as duplicate as it is using new and updated information. I am only uploading one single document to prevent confusion. 

Per XXXX - " When we completed our research, we sent your funds back to PayPal through Visa. The merchant can locate the funds by using ARN numbers XXXX and XXXX " Paypal has stated on their website that I won this case - This was miscommunicated to XXXX XXXX, who sent the funds back to Paypal. So, now that the money is back to Paypal 's hands, per Paypal 's policies I won this case based on the seller having no protection due to it being sold through Paypal Gift.
Product: Debt collection

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and stXXXXessed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.
Product: Debt collection

I check my credit report every week. I noticed my score dropped and this company is on my credit report stating that I owe over {$1200.00} to XXXX XXXX  XXXX XXXX. I have never received a letter or phone call from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXXXXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

They have consistently and repeatedly taken money out our account late after I have paid bills. They wont post payments for days after I have paid a bill causing my account to go into the negative.
Product: Credit reporting or other personal consumer reports

Synerprise Consulting shows on my credit report as a debt collector, however I havent done any business with this company. States its a medical bill collection, which I did not authorize to be released. Amount is {$570.00}
Product: Credit card

I 've contacted them multiple times about them reporting on my credit file a seventh ave account with a balance of XXXX dollars, they wanted me to sign and send back information which I have and they are not in no way trying to resolve this issue with me, I have No idea who or what they sell, I just want them to be removed from my credit file. Please have them Remove themselves from my XXXX major credit files XXXX. They have failed to send me any documentation that this account is valid and I am extremely concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : Truist Inquiry Open Date : XX/XX/2023 Inquiry Name : XXXX XXXX Open Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Key Bank refuses to credit back XXXX fraudulent charge used with my debit card. I've provided them with both a XXXX Police report, that I filed, and the XXXX police department that was already looking into this scam. I've provided Key Bank with the phone number of XXXX XXXX XXXX XXXX ) case # XXXX from the XXXX Police Department and XXXX XXXX Police case XXXX XXXX, also XXXX XXXX XXXX XXXX ) who was the contact for XXXX XXXX XXXX XXXX , that has been desolved a number of years ago. These scammers stole their credentials and now are being used for this scam. 
I've called Key Banks fraud department after each rejection letter, and I'm now at a loss of what to do. They want me to prove the charge should have only been {$5.00} and not the {$1000.00} that was charged with a receipt, and for me to contact the " merchant '' to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to Covid I fell behind on my payments which I had a good payment history with Bridgecrest prior to Covid and getting sick 3 times with the virus. 
I called to ask Bridgecrest for assistance. Instead of lowering my payments or deferring them, they pushed the payments to the back of the loan. 
My car was repossessed around XX/XX/2023. I had to pay {$1100.00} XXXX and Bridgecrest made me pay once a month instead of biweekly on the XXXX and threatened that if I missed a payment they would repossess my car again. 
I never received any documents regarding the repossession. 
I was sent an email after I made mention of no documentation regarding the repossession. 
I never agreed to change my biweekly payments. 
I feel I was forced under duress concerning the terms of receiving my vehicle back from the company.
Product: Credit card

I am writing to file a formal complaint against Chase Bank for its failure to comply with the Service Members Civil Relief Act ( SCRA ) in relation to my credit card account. 
am a former member of the XXXX XXXX  XXXX who separated from XXXX XXXX military service on XX/XX/XXXX. This separation is duly documented by the XXXX form, commonly known as the XXXX XXXX XXXX XXXX XXXX document. Subsequent to my separation from the XXXX, I joined the XXXX XXXX XXXX XXXX XXXX XXXX, as evidenced by the Enlistment Contract ( XXXX ). 

Despite being eligible for SCRA benefits due to my new active term of service with the XXXX XXXX  XXXX XXXX, Chase Bank has refused to lower the interest rate on my credit card account, citing an " internal policy '' requiring a XXXX gap in service for such benefits to be applicable. This policy contradicts the clear provisions of the SCRA, which do not stipulate such a requirement. 

Furthermore, Chase Bank has disregarded the validity of the Enlistment Contract and my Leave and Earnings Statement ( LES ), issued by the Defense Finance and Accounting Service, as documentation of my federal service. Both of these documents are crucial in demonstrating my eligibility for SCRA benefits.

I believe Chase Bank 's refusal to apply SCRA benefits to my credit card account and its arbitrary policy regarding the eligibility criteria are unjust and in violation of federal law. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure Chase Bank 's compliance with the SCRA. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; US SM BUS ADMIN ODA Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/23 I received from my Bank credit report ( XXXX XXXX ) that there was a hard impact on my credit because I applied for a Credit Card at Chase. I received in the middle of the night emails from Chase. The first email thanking me for applying for a credit card, a second email letting me know that my Chase online contact was changed, a third email welcoming to credit journey and a fourth email welcoming to identity monitoring. 
I have never had a credit card or an account at Chase nor applied at Chase Bank for anything. 
The same day I reached out to XXXX XXXX to be sure that it was a legitimate email from them, they confirmed it was legitimate and that I should contact Chase. I reached out to Chase Bank and they immediately transferred me to their fraud department and cancel the application. They said they will investigate the situation. Once they have an answer they will send me a letter with the results. Chase also told me that they will reach out to all three credit bureaus so my credit score will not be impacted.
Product: Debt collection

1 ) On XX/XX/2022 my XXXX and XXXX credit ratings dropped XXXX points. 
2 ) I found out through XXXX XXXX that this happened because an ambulance company named " XXXX  XXXX XXXX '' reporteed an unpaid debt of {$2000.00}. 
3 ) I have XXXX XXXX XXXXurance through XXXX Georgia. 
4 ) I never received a bill or notice.

5 ) This went directly to collections. 
6 ) I can not locate " XXXX XXXXXXXX XXXX '' despite dozens of attempts. 
7 ) I have asked Collection Associates at ( XXXX ) XXXX - XXXX to for a letter promising to remove this debt from my Credit Report in exchange for my insurance information. 
8 ) Collection Associates refuses to provide : A ) Address or phone # of " XXXX XXXXXXXX XXXX. '' B ) XXXX debt will be removed once paid. 
9 ) I want to resolve this, but want my credit rating restored.

10 ) I have confidence the CFPB can resolve this.

11 ) Don't let me down. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

PRA never sent a fraud/identity theft affidavit as they stated on XX/XX/XXXX as they stated on their response to complaint # XXXX.The accounts mentioned on their response i have no knowledge of and they have failed to provide adequate debt verification. PRA is reporting fraudulent accounts under my name to the credit bureaus.
Product: Debt collection

I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.
Product: Checking or savings account

Wells Fargo has questionable banking practices. I had a XXXX sent to me tonight that was taken from the sender but not deposited in my account. 

Reference call number XXXX with XXXX. XXXX XXXX EST tomorrow was the latest time guaranteed for accepted or rejected.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from XXXX, XXXX, or Experian about this account, and my credit report does not say that this account is in dispute either.
Product: Checking or savings account

We established overdraft protection for our checking accounts at Bank of America that included cascading feature to draw funds from several accounts to ensure checks or echecks were paid with out overdraft fees. When we saw fees hit on XXXX, we contacted the bank and they stated it had not been set up properly, but it had been set up properly. We were charged {$70.00} ( two {$35.00} fees ) while having over {$30000.00} in savings and other checking accounts where we routinely move money electronically. Additionally, the first account in the cascade was our HELOC account, which we had leveraged for other purposes. Bank of America chose not to notify us that the protection was no longer available. Again, the bank chooses paths to ensure fees can be charged.
Product: Credit card

XX/XX/XXXX I went to an ATM to withdraw {$200.00} and when the ATM was about to dispense the money, the ATM shut down and restarted. I never received the money and when I filed the dispute with Chime they denied it twice. I emailed them and asked for the steps they took in deciding to deny both claims and I haven't heard back from them at all. It's been a few weeks. I never received a receipt for the transaction but it shows on my account that I did receive the money.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

FTC Report XXXX I never gave written consent to any of following to report on be have. XXXX, Equifax XXXX nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments