23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( XXXX account # XXXX ) / ( Experian account # XXXX ) / ( XXXX Account # XXXX ), started reporting an inaccurate account status of a paid closed account on my credit report, this is a ( non-credit ) telecommunications account with XXXX which has never been late nor has the account ever been in collections so, therefore, should not be reporting as an erroneous credit-related charge-off or paid utility collection. This account is negatively and unfairly affecting my credit report/ credit score. Under the FCRA, information on my credit report should be reporting 100 % accurate. 

Please delete account.
Product: Credit card or prepaid card

A stored account ( account ID XXXX ) was created on XX/XX/2022, at Best Buy by unknown person with a false email address. A Fraudulent electronic purchase was done on above account for 2 items by using my XXXXXXXX XXXX. The purchase was done from XXXX XXXX XXXX XXXX traced to TX, XXXX ) - Order Number : XXXX Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier XXXX XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX, NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location. 
2 items were returned to Best Buy store at XXXX, NY location ( address is on the returning order ) on XXXX XXXX and exchanged on the same date for XXXX XXXX. Returning Order # - XXXX Since the return happened at the store location in XXXX, I require investigation : if all documents, required by the Best Buy for returning process, were required on the moment of return : receipt, the credit card used to make the purchase, and a valid photo ID.The returning receipt provided by the 'Best Buy ' store does not have evidence of the signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX Balance {$570.00}, XXXX XXXX XXXX Balance {$1100.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX ( XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$710.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00}, XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX ) showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with XXXX AND the credit bureaus ( mainly Experian and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

Capital one I didnt open this up and I have tried to call to get cancel and removed no luck
Product: Bank account or service

I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit -- in any of my TD accounts. Therefore, I filed a dispute on XXXX. I still have never received the said {$30.00} deposit, nor any communication directly from TD. I believe that their actions, as described in my original XXXX XXXX complaint and XXXX XXXX dispute, constitute unfair and deceptive practices. Given the absolute black and white nature of whether or not they made the said compensatory deposit to my account, in addition to the many other issues regarding crediting my savings account with the wrong interest rate multiple times, I believe that it is appropriate for me to file this new complaint, as was suggested to me by a CFPB phone representative. As detailed in my original complaint and dispute, I fear that countless other TD customers are being paid far less interest than what they are entitled to, and that they are not aware of the situation and/or do not have the ability to deal with the problem. Also, I am amazed that TD stated to your Bureau that they made a deposit to my account which, now, weeks later, still has not been made. 

Please note that I just moved to XXXX FL from XXXX MA a few days ago. My original address was XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ; my original phone was XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Vehicle loan or lease

For the last 21 months, we have paid our monthly payments for our Santander auto loan. However, Santander continues to report the debt as charged-off. The vehicle is now, and always has been, in our possession. Santander is falsely reporting the debt as charged-off to the credit bureaus, while accepting payments from us and listing the account as Active on their website. We need Santander to correctly report our credit to the bureaus, as required by law.
Product: Mortgage

This began about 5 years ago. We applied for and received a loan modification, because of financial hardship. It was about a 6 month process because of lack of communication on the part of TDBank. That following XXXX, TDBank tripled our mortgage payment without informing us in order to pay taxes TDBank had not paid. My husband and I had no idea until TDBank sent a payment back in XXXX of that same year. Since then, we have tried multiple times to get a loan modification again. We get so far with an agent, and the company switches us to another agent without our knowledge to begin the entire process again. TDBank has frequently lost our paperwork. We wait 20 minutes to speak with someone, then get the runaround without resolution. At one point, we were turned down, because they entered incorrect paystub information stating we made less money per week than we actually did. We eventually hired a lawyer who also struggled with TDBanks lack of transparency and customer service. We currently are working with a HUD advisor from XXXX XXXX XXXX ( XXXX XXXX ) who advised us to communicate with you. If necessary, I can go back through everything and try to find all of the emails and documents. There is a lot. We have a mortgage and a soft second mortgage through TD Bank.
Product: Credit card

I received both a letter and an email offering me a {$25.00} cash reward ( after spending {$25.00} or more within the first 90 days ) and an additional {$100.00} reward ( after spending {$1000.00} or more within the first 90 days ). The reward would be paid within 6-8 weeks after meeting both those goals.. 
I spent {$150.00} on XXXX and XXXX on XXXX therefore meeting both of the required amounts for the two rewards. 
For the first reward, 8 weeks was Wednesday XXXX/XXXX/2016 and for the second reward it was 6 weeks on the same date. 
I contacted American Express in a chat on XXXX and was told I have to wait the full 8 weeks. Since today was over 8 weeks for the {$25.00} reward, I contacted them again in an online chat and was told that they would have to open an investigation which could take another 30 days! At the same time I asked to chat with a Supervisor/Manager and she ( XXXX XXXX - XXXXXXXXXXXX ) would call me after I emailed her a copy of the email from American Express describing the offer. That has not happened as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at around XXXX, XXXX XXXX was on a call with what he now knows is a scammer named XXXX, from XXXX. We were trying to buy XXXX tickets and he claimed to be a season ticket holder. He provided us with proof of his account with the name XXXX from XXXX that proved he was a seasons ticket holder. We can provide the picture that was sent to us during the 20 minute call. We sent a payment to their XXXX account with the name registered as XXXX and the phone number as XXXX. The total we sent was {$700.00} and XXXX claimed not to receive it, in order to have us send another payment. At that point I knew it was a scam. We reported it to XXXX and Chase the very next morning when we discovered that the whole thing was a scam. We placed a claim, with the two mentioned corporations, and neither could place any red flag on this XXXX registered account SCAMMER. The scammer XXXX, is taking money from people as we write this. We have a group of friends that are contacting their same number XXXX XXXX XXXX XXXX on XXXX, PRETENDING to be potential bait for XXXX. Chase and XXXX are not able to do anything about stopping the registered scammer and someone needs to stop them. Please help us stop this scammer that is still out scamming. We sent three XXXX requests for the {$700.00} to be paid back to us. Two were declined and one is still pending, yet we hope to get our money back.
Product: Credit reporting

I found on Equifax credit report XXXX " Derogatory Mark ''. I have never had any of my accounts go to the collectors. I am always on time or maybe late a day or two. All my credit cards received payments and I am keen not to have a late payment. This must be a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's way too many unauthorized hard inquires on my credit report. Only a hand full of those inquires are actually done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX charged my Discover credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, Discover failed to process the refund. The balance stayed on my discover account. I didnt receive any notice from Discover about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by Discover. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with Discover to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from Discover 2. The delay of refund from XXXX  failed to process in Discover and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!
Product: Credit reporting or other personal consumer reports

UPON ME OOKINFG AT MY CREDIT REPORTS I NOTICE SOME ACCOUNTS THAT WERE OPEN ON ACCOUNT OF IDENINTY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2022 I disputed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof.

I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2
Product: Debt collection

ENHANCED RECOVERY COMPANY {$960.00} Open balance XXXX XXXX XXXX XXXX  Original creditor I have never had, nor authorized, a XXXX account, neither in New Jersey or Georgia. I I believe some one fraudulently open this account under my name using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the XXXX data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX customer service about having these fraudulent inquiries removed ( XXXX ) said XXXX is in violation of my consumer rights but did not remove them she said someone fraudulently accessed my report. Under 15 us code 1681 subsection ( c ) says any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer ( me ) I have been violated under this noting because they willingly and knowingly gave someone access which is fraudulent conduct on XXXX part I need those removed
Product: Vehicle loan or lease

I bought a new 2024 vehicle earlier this year with financing through PenFed. A few months before I ended up refinancing for a better rate, I purchased GAP insurance, which I am told was through XXXX XXXX. When I refinanced, I checked about a prorated refund on the GAP insurance and was told I wasn't getting anything. This seems to be a type of hostage situation if someone can't get some of their money back when they refinance, like they wouldn't refinance knowing that and thus be stuck with the higher rate through PenFed. It's also a form of theft because I was charged for a service thats need would have ended when my loan ended. Now I am stuck with needing to pay for GAP insurance again, which pretty much defeats the purpose of me trying to lower my car payment to begin with.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I put in several disputes and nothing happened, they stated the same things, ( I.e. nothing has changed in your credit report after the dispute.
Product: Checking or savings account

Went to XXXX In XXXX XXXX, KY. I should of known better as have only went a few times and they are ALWAYS having issues with machines. This day, they have two ATM Pay machines side by side. I used the one on the right. Tried to withdraw {$100.00}. Kept hanging, pressed the " closed option '' that was shown on screen, and then it was blank. Nothing came out, received no money, no paper slip. I then slid over to use the one on the left with no problem. I was concerned so I immediately called the Bank of America # XXXX to check and showed both transactions. I waited til next morning as nearby bank is on a military post ( XXXX XXXX, KY ) They couldnt help me but allowed me to get thru the CS ( after XXXX minutes ) I thought I explained it to her. Today I get a message from bank that stated We have determined that this dispute is not a duplicate charge because the transactions were made either at different times, different dates, different terminals and different reference numbers. I said that, and that I didnt get the money ''. I dont know if the Security at XXXX XXXX would have a video of this since it was several weeks ago. I had this done to me from a Credit Union before, and nothing came out BUT they took care of it. Customer Service at BofA is nonexistent, told me to call- which I did this morning, on hold for XXXX minutes- no answer. ( the workers are working from home ) using canned responses especially on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit card accounts with inaccurate information see the letter enclosed
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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: Debt collection

XXXX 's XXXX is a internet company selling photography lessons. They lure people into a 10-day course with a charge of {$1.00}, only to open a line to your credit card and charge {$49.00} later -- without your permission. They are now in the second process of charging the credit card that was replaced for fraud from their organization. My situation is not alone, because other people have complained of the same fraud. Please help stop these people!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belonged to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXXplease remove any other spelling or variations of my name they are not correct.