23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent Amerifinancial Solutions multiple letters demanding they provide proof this debt is mine in the amount of {$42.00}. The debt collector has refused to acknowledge or offer a single shred of any information and continues to report inaccurate information to the bureaus and a debt that is not mine. I have contacted them multiple times and not a single response to my demand of validation of debt letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX  XXXX XXXX ) Account # XXXX ( XXXX XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, 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 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

I had a Citi Double Cash Rewards Credit Card that I was actively making purchases and payments. And without any prior contact or notification, Citi closed the account with the below reason : " During a recent review of your account, we observed frequent purchases, and multiple payments from unknown sources, which are inconsistent with typical consumer use. As a result, your above referenced account was closed on XXXX XXXX, 2021 '' which is a very vague and insufficient action reason for closing an account that had zero delinquent history and very few ( if any ) over-limit history. Below are my complaints based on the reason letter : 1. " Frequent purchases '' : there is no clear and legitimate definition of " frequent purchases ''. Most of my purchases ( if not all ) were made so that my balance was within the credit limit of the card and each purchase is not small amount like {$1.00}. Thus, there is no way the account had " frequent purchases '', otherwise it will be over-limit. From common sense, the number of transactions per month for this card is perfectly normal given this was my primary card. 

2. " Multiple payments from unknown sources '' : I can provide valid source for absolutely all of the payments made on this card, mostly from my own checking account anyway. All payments other than my own checking account was made by the same one source for which I can provide valid information. Citi Bank never made any successful attempt ( mostly likely any attempt ) to contact me to verify the source through any method such as phone call, text message, email or letter. Simply " unknown '' from Citi itself is very unprofessional and limited. 

3. " Inconsistent with typical consumer use '' : there is no clear and legitimate definition of what a " typical consumer use '' is. Everyone is different. The definition should be based on government regulations and rules, not just some random 5-minutes analysis or personal preference of the reviewer in which case is clearly a discrimination against me. And it is also unclear of what is " inconsistent '' because again, every account activity is unique. And my account had no suspicious activity as all purchases and payments had valid sources. 

4. " As a result, your above referenced account was closed '' : all the above observations can not sufficiently imply to the closure of an active account which has perfectly valid purchase and payment history.
Product: Checking or savings account

XXXX XXXX XXXX ( Residential XXXX  ) has charged my bank account around at XXXX XXXX  monthly since XXXX, XXXX till I detected the suspicious transaction in XXXX, XXXX. I called up the company based on the number listed on the internet. The company does not have any contract with my mailing address, phone number or email address except my banking account. They recorded my email address over the phone in XXXX when they canceled the service charge. I filed a claim through my bank Wells Fargo to get {$710.00} first ( the annual fee in XXXX ) and got denied in the case. I went even to the local branch to let them know that these are the fraudulent transactions over XXXX  years period with more than {$8000.00} but the bank told me they can not help since these are e-transactions. As a customer I should expect the bank to protect me from any online fraudulent transaction including detections of unusual charges and intervene on behalf of me if the transactions are fraudulent. 
After I filed the initial complaint, Wells Fargo refunded me {$160.00} and I was told it is my responsibility to go after XXXX XXXX to get refund since I did not get their attention with the transaction within 60 days after it occurred. But the transactions have been persistent transaction till XX/XX/XXXX. I called XXXX XXXX and they dished me around without processing my refund request. 
As a consumer, I need service protection from the government against any fraudulent businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out today on XXXX XXXX, 2017 via the Equifax website that my information such as my SSN, my address, my D.O.B., Etc was stolen by hackers.
Product: Prepaid card

I was charged {$1500.00} by the post office and there was a computer error and I couldnt get my money order or a refund. I disputed the charge with chime and gave them thorough proof from the post office that I am due a full refund of {$1500.00} I cant get any support through Chime
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forward with Experian about accounts that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask experian to send me documentation with proof of how these accounts are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent accounts and personal information Experian is posting : XXXX ( XXXX ) XXXX XXXX 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: Debt collection

I Have never done business with this company as i just came from XXXX  i have no idea what this is.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX  OF XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrectly on all XXXX credit bureau agencies. I have made multiple disputes with all XXXX CRA and have also been in contact with XXXX XXXX on the phone as well. On XXXX this account has been reporting as open and closed multiple times thus making my score go up and down. XXXX XXXX XXXX has also been reporting incorrect balances, as well as incorrect payment dates. I have also request via multiple phone calls to have all account history ( statements, payments, repo dates, notices & repo sale bills. etc. ) sent to my address. XXXX never notified me of any sale of my XXXX XXXX XXXX  in XXXX. They have failed to update my address per multiple phone calls and purposely continued sending my notices to an address. XXXX had my most current address per the fact the car was repossessed 2 times in XXXX. Not only this but they had also sent me credit denials to my home address despite me never giving them permission to run my credit for an auto loan. Per the IL repossession law which was violated by XXXX, they are required to do/allow the following which they did not do. 

- If youve paid at least 30 % of your loan at the time of repossession, youll get a notice of redemption. This notice says that if you can make the missed payments and pay the cost of repossession within 21 days, you can get the car back. 
- Illinois repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession. 
-Illinois repossession laws also dictate for a public sale, such as an auction, the notice must include the time, date and place of the sale. The requirements of the notice are set out at XXXX XXXX XXXXXXXX and XXXX. Other Requirements of the Notice : It must tell the debtor about their redemption rights It must give enough time to redeem or to find other buyers before the resale It must be given not only to the primary debtor but also to cosigners and guarantors It must be correctly addressed If it states the wrong information on the notice, such as wrong date or sale location, the notice is no good It must be written If the creditor learns that the debtor did not receive the notice and took no steps to correct it, the notice is no good A debtor must be sent a new notice if the sale gets rescheduled **all of which were violated*** XXXX  has violated my rights of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX furnished inaccurate information about my credit to Consumer Reporting Agencies that it knew or had reasonable cause to believe was inaccurate -XXXX  failed to promptly update and correct information furnished to CRAs that I determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA 15 U.S.C. 1681 s2 ( a ) ( 2 ) XXXX furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ).
Product: Credit card

An attempt to transfer a balance of {$6000.00} was made on XX/XX/XXXX through XXXXXXXX XXXX from Chase to XXXX. The transaction went through on XX/XX/XXXX according to XXXX. However, Chase was never paid the {$6000.00} by XXXX. Reports on this were filed with both XXXX and Chase. It was later discovered that there was an error in the Chase account number and that the transfer was sent to. Both Chase and XXXX assured me that this issue would be addressed, and that Chase assured me that I would not be assessed fees while this was under investigation. I have spoken to both parties repeatedly concerning this issue with no resolve. As of XX/XX/XXXX, I still show a balance of {$6000.00} plus fees and interest since XXXX on the Chase account that should have been paid by XXXX in full resulting in a XXXX balance and now I also have a {$6000.00} balance on the XXXX account for monies they can not account for. Neither bank has been able to find a solution to this balance transfer error and now Im stuck in the middle with double the balance I started with. I spoke to customer relations from XXXX today XX/XX/XXXX. They reassured me that they were escalating this to try to get this corrected but no promises. I do not owe {$12000.00} to either bank. There has to be a way to get this corrected. I have spoken to multiple representatives from both banks since XX/XX/XXXX. My credit score has been affected, and Chase is trying to collect interest and late fees on an account that should have a XXXX balance. I dont know what the solution is, so I am reporting it here. I have also issued a complaint against XXXX.
Product: Credit reporting or other personal consumer reports

I have written dispute letters three different times, to each credit bureau, and each time they reply with a new credit report stating that the account with XXXX has been Verified as accurate and updated. 
Re : Formal Dispute Under FCRA 15 U.S.C. 1681 Section 602, Section 604, and 15 U.S.C. 1666b This dispute is made under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically Sections 602 and 604, as well as 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ).

Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law.

2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act.

4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Product: Money transfer, virtual currency, or money service

I've have an account with Venmo and they keep on freezing it in the name of security. They won't accept my XXXX debit card and they won't let me buy crypto. I lost my debit card and I don't have any way to get my money out. Every time I try to use it, It gets frozen. I really need my money now!
Product: Mortgage

I have a mortgage with Banco Popular de PR. My home suffered damage by the earthquakes in the south. The Bank make me put an insurance to the house, by this date nor the bank or the insurance company helped me with the process to fix the house. The insurance offeres me a low quantity of money to fix it. I ask the bank for helped the only thing they offered me is in benefit of the bank not in the benefit of me or my family. They now are calling me asking when I'm going to pay.
Product: Checking or savings account

XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX - {$99.00} Did not authorize this transaction. 
I have locked this debit card. Charge is still Pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted XXXX XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have XXXX XXXX XXXX see attachments.
Product: Money transfer, virtual currency, or money service

In XXXX, XXXX, and XX/XX/year>, I used Cash App, a service provided by Block , Inc., to purchase an item. Shortly after, I noticed unauthorized transactions on my account, resulting in unexpected financial losses. I promptly contacted Cash App 's customer support to report the issue and seek assistance.

Unfortunately, I encountered significant challenges : Lack of Responsive Customer Support : There was no direct way to reach a live representative, and the automated responses were unhelpful in resolving my concerns.

Denial of Fraud Claims : Despite providing detailed information, Cash App denied that any fraud had occurred and refused to reimburse the unauthorized transactions.

I have since learned that the CFPB has ordered Block , Inc. to pay {$170.00} XXXX in penalties due to inadequate security protocols and insufficient fraud recognition within its Cash App operations. 

My experience mirrors the issues highlighted by the CFPB, indicating systemic problems within Cash App 's handling of unauthorized transactions and customer support.
Product: Credit reporting or other personal consumer reports

On checking my credit today, I noticed unauthorized credit inquiries. I mailed letters to TransUnion, XXXX, and XXXX disputing the unauthorized credit inquiries which are supposed to be deleted as per the Fair Credit Reporting Act. 

XXXX, XXXX, and TransUnion have not removed the unauthorized credit inquiries from my credit report to date. The unauthorized credit inquiries are : XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

It was during 2020 during the COVID 19 pandemic I hadn't used the card in a few months but had always paid in full on time when I had used it. in XXXX of they decided that I was a credit risk ( my husband had carried a balance on one of his non wells Fargo credit cards while making the minimum payments ) and shut down my credit card and stole hundreds of dollars of rewards that I had earned to that point