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

To whom it may concern, I am writing to express my extreme frustration and disappointment with your lack of action regarding my previous communication about fraudulent accounts and inquiries on my credit report. Despite providing you with a detailed FTC Identity Theft Report, you have ignored my request to address this issue.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any of these transactions on my report. I am now formally demanding that the following accounts, addresses, and inquiries be blocked and permanently deleted from my report within four ( 4 ) days of your receipt of this letter. This request is not made in error nor based on any misrepresentation of facts regarding the transactions. As a consumer, I have the right to dispute any inaccurate or fraudulent information reported to the credit bureaus, as outlined by the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX  Your failure to address this matter promptly leaves me with no choice but to consider pursuing legal action to enforce my rights. Should this information not be blocked and deleted within the specified four-day period, I will take steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. Additionally, I will seek legal remedies to hold you accountable for your negligence and failure to comply with federal law.

I trust you will take this matter seriously and act accordingly. Please confirm in writing once the requested deletions have been completed.
Product: Credit card

Synchrony Bank- Amazon has denied me statements and my full account number. When I complained about my account status and not having full account information they blocked my online access to my account altogether and I have screenshot to prove. The XXXX time I tried to contact them by phone I had to go through horrible automated system and then wait XXXX minutes on my lunch break and never got through. The XXXX time I tried I got through and when I told them I was worried about my account and that I was worried about its effect on my credit report, the agent avoided my concern. I was told my account has been open since XX/XX/XXXX. I told them this could n't be I never heard of Synchrony bank until they started leaving me voicemails beginning of XX/XX/XXXX. After researching it found out that Synchrony was formerly GE Capital Retail Bank and I was n't notified of the bank name change either. What the agent said next was terrifying, he mentioned my XXXX credit card. How did he know I had a XXXX credit card? I did n't disclose any such information to him and he should n't have such information. I did n't want to draw attention about this suspicious business practice so I did n't mention anything more about my unrelated XXXX card. I am so concerned about this company 's seemingly illegal practices I am going to send a request to XXXX to have Synchrony Bank barred from my credit report altogether.
Product: Money transfer, virtual currency, or money service

I am filing 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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX ok financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Machol and Johannes has put a lien on my home for a case I was never notified for they've garnished my wives wages from 2 separate accounts for 1 year straight theyve tried to garnish my veterans affairs XXXX twice they call and harass theyve sent people to my door to threaten me to the point the cops were called theyve abused and harrassed myself and my family for 3 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer sent all 3 credit bureaus XXXX, XXXX, and TransUnion a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, XXXX, and TransUnion 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian received a dispute letter along with a response letter from the court stating that they did not provide this information to Experian or any other company and that they do not release personal information about Individuals. I mailed these documents to Experian asking them to reinvestigate this account on my consumer report that I reported as inaccurate and erroneous. On XX/XX/XXXX Experian stated that the reinvestigation was completed. They stated the account was certified with a third party company and that the information reporting was accurate. So I mailed Experian another letter that they received XX/XX/XXXX asking them to please provide me with the method of verification. The XX/XX/XXXX results stated that a company certified to them that the report was accurate. I want to know what company reported to Experian that this information was accurate. If Experian can not provide me with this Information for me to trust that they have done a proper investigation then I demand this account to be deleted immediately due to Experian not providing me with the proper data furnisher information to contact them. I want to also make clear that I did not give Experian any permissible purpose to use my personal Information to match up, or purchase any data from another third party to report on my consumer report because I have the right to privacy as a consumer. I also have the right to know the data furnisher who reported this information and I have the right to a fully accurate consumer report as a consumer. I would also like to report that Experian ignored my request for a Method of Verification that they received on XX/XX/XXXX and instead preformed another reinvestigation instead and again stated it was verified on XXXXPlease follow the law as is was written.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By there own website it shows they are doing this on purpose for me filing all these complaints 16 months worth of on time never late to XXXX they wiped out and refuse to put back and keep saying they are working on the problem the 4 screen shots of there own website shows this is fraud and retaliation
Product: Credit card or prepaid card

Our business credit card has a credit balance of almost {$500.00} and its been over a year, and Capital One still refuses to refund the money to the business account they withdrew from. I have the last statement showing the overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to XXXX XXXX XXXX : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX XXXX breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Bal {$1500.00}, XXXX XXXXXXXX Acct # XXXX Bal {$1700.00}, XXXX XXXX  XXXX # XXXX. 
Inquiries XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX, 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
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Former : XXXX XXXX XXXX XXXX  Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card

I am an XXXX XXXX member of the United States XXXX XXXX, serving since [ XXXX XX/XX/XXXX ]. I previously contacted you on in XX/XX/XXXX to request a reduced interest rate under the XXXX. 

" I provided a copy of my military orders at that time '' and " We discussed the possibility of reducing the interest rate, and returning the interest I have already paid on my account. but I haven't heard back. '' ] I am writing again to ensure this request is processed and reflected on my account. 

Please let me know if you require any additional information or clarification. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going into forbearance in 2014 when my XXXX account was sold to Navient. Navient busted my account into 8 different accounts. While Navient was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it.

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8. Yes, for each individual loan under the one Navient account, Navient reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and Navient. Result was Navient told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to Navient. Not my fault!!! Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX the XXXX, XXXX  I took out a loan with Spotloan. I was desperate and unaware of the interest that would need to be paid. On XX/XX/year> I asked for the license number they stated that it was in my loan agreement. I also was under the impression that it was once a month and not every 2 weeks.I was told they are under tribal laws In an email. I have spoke to people through my available resources with the understanding that what they are doing may be illegal.
Product: Credit card or prepaid card

We were supposed to travel to XXXX XXXX XXXX using a travel site called XXXX we cancelled at the right rime so we should have received a refund but they shut down and I received an email saying to contact my bank which I did and provided TD bank with all of my information and was denied! This is beyond unacceptable there should be no reason I was denied
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfers

PayPal is currently attempting to charge me {$1300.00} due to a credit card 'chargeback ' which someone filed with them claiming they did not get an item which I sent to them. I have proof the individual received the item and now they have the money for it as well. I have told PayPal to dispute this chargeback. PayPal has been provided with the evidence from a UPS investigation in which the individual admitted they received the item. The individual now has both the item and my money, and PayPal expects me to pay {$1300.00} into my PayPal account, claiming they will return the money " if '' the credit card company decides in my favor regarding the chargeback.
Product: Credit card

Applied for a Citi credit card, was notified I was denied a day later, but they did not inform me why. Had to wait for them to mail me a letter telling me why, yet the letter did not confirm what the denial reasoning was. I have other reputable credit cards and a mortgage, I know the issue was not my credit, so I was perplexed.

Its incredibly hard to find Citis customer support number, yet after sleuthing the internet, I was able to find one. Finally got through the terrible automated system to a live person to ask why I was denied. They asked if I got the mailed letter and I said yes, but theres no reasoning. They transferred me to a XXXX specialist, the woman claimed I passed the credit check, however, they could not verify my personal information. She told me to log into XXXX & update my personal information, then call the company back and ask them to re-run my information. 

I did not have an XXXX account set up, so I created XXXX. Let it update for XXXX business days, then called the company back and explained what the first XXXX specialist had informed me to do. I sat on hold for XXXX hours to be transferred to a XXXX specialist yet again. When he finally got on the phone he informed me they would have to run my credit again as they cant confirm what my phone number is. I explained I just needed them to run the XXXX report again, and he said no, they have to run the entire credit check again. I already passed the credit check, I do not need another hit on my credit, they just need to verify my phone number. Then I asked if they can verify another way, perhaps mailing me a letter again, he stated no. He then claimed its because I had a freeze on my account, I double checked XXXX and theres no freeze set up. 

So, I now have a hit on my credit report for a bank who I passed the credit check for, but was denied because their system is so outdated they cant verify my personal information any other way. Citi will claim something is wrong on the customers end or with XXXX, but cant prove it, just so they dont have to do their job. This is a different level of scammers and I can not understand how this bank is still in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.
Product: Money transfer, virtual currency, or money service

I had a business account and cash app took money from every transaction and I have no federal tax withholding
Product: Credit reporting or other personal consumer reports

Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ba nk ( wells Fargo ) was late on reporting my income and sending   XXXX   reports to   XXXX   XXXX   so I could n't get a cash advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

The accounts are listed below. 
XXXX XXXX XXXX XXXX XXXX  - {$5900.00} XXXX XXXX XXXX XXXX XXXX- {$3300.00} XXXX XXXX XXXX XXXX XXXX- {$2800.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX - {$1400.00} US DEPT OF EDUCATION - {$910.00}
Product: Money transfer, virtual currency, or money service

I received two bank-wires via Wells Fargo from XXXX from one individual in XXXX for purchase of a product- a XXXX. The buyer asked me to cancel the order and to refund his money as I was in the process of sending the instrument but stopped it in time. The total cost of the XXXX  was close to {$5000.00}. He sent me two wires 14 days or so apart for {$3400.00} and then again for {$1500.00}. I told him I would happily return his money but because I was a little suspicious agreed to reverse the wire and send the funds back to the original sender. Which I did by telephone and completed with two confirmation numbers. Two weeks later the buyer said he had not received the money. I called Wells Fargo 4 different times and was told 4 different reasons as to why NO ACTION HAD BEEN TAKEN toward refunding the money. Culminating in one final call yesterday the person stated they had no record of the confirmation numbers and that I would have to go in person to a WF branch as wire reversals could only be done in person- this response entirely different from the other 4 calls. The WF branch near me is by appointment only and the next available date is 5 days from now. The banker had no explanation how I could have gotten four other misleading answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In proper use of my credit reporting 1. 15 usc 1681 section 6028 states I have the right to privacy. 2. 15 usc 1681 section 604 section 2 I also state a consumer reporting agency can not furnish your account without out my written permission. 3. In accordance with the fair credit report act XXXX account number has violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously report an address that Im not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va, XXXX or any variation of this address please adhere to my extended fraud alert I have never been associated with this address