23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX XXXX  is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This XXXX XXXX calls me every day and leaves me voicemails. I do not owe them anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been fraudulently used. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiries be blocked and permanently removed from my credit report : Fraudulent Account : AFFIRM XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family. 
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Product: Checking or savings account

Missing funds from Jpmc workers having closed an account without fully returning my funds. There is still money missing. Branch worker XXXX XXXX refused to answer questions that were asked which I requested to be mailed to me. Another branch Worker XXXX XXXX   was handling the missing funds then, irresponsibly just ignored the emails, causing unnecessary deposit fees when I questioned XXXX   whether my {$370.00} could be deposited or? I went to her coworker XXXX, so, I let XXXX off to not need to respond anymore, but I can not keep allowing all these such workers at XXXX XXXX XXXX   branch replacing another worker then, when the concerns get too inconvenient or complex, these workers abandon its duties to their employer 's clients, leaving the concerns unresolved to completion. These workers are not doing their job. They are being irresponsible by either pushing it to other coworkers or ignoring handling it to completion. The concerns are left in the middle of being handled, begun, never finished. So, Jpmc just allows its workers to leave stuff not completed by ignoring to service whatever its job it is supposed to do? I still need Jpmc to take care of the 2 concerns, one with my missing funds and the other that XXXX XXXX made the mistakes with the Retirement Services concerning an IRA distribution since 2017, over 1 year ago already!

Retirement services Worker XXXX XXXX  told me the distribution requests could not be processed with me having instructed him to handle it as the original instructions, he told me it could not be handled, which was being handled by XXXX XXXX, why all these differing explanations? Jpmc RS XXXX XXXX  arranged for whatever RS specialist to contact me at an arranged time, which they did not keep her promise to me that whatever RS worker would call after all the time arranging. Jpmc asked how satisfied I am? Who would be satisfied with such Chase workers ' lousy mistakes with no services that get mostly nothing done right? Kindly what to do resolve these messes done by Jpmc workers? Jpmc needs to have the concerns handled immediately as the Ira funds must be corrected prior to XX/XX/XXXX, it has taken Jpmc workers too long, these workers delayed it unnecessarily, never doing their jobs in any timely manners. It needs over a year to process 1 simple request?
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, I received an email from NFCU, alerting me to an unsuccessful external account registration attempt. Subsequently, upon checking my NFCU checking account ( Acct. # XXXX ), I discovered a significant reduction in my balance by {$9800.00}, attributed to unauthorized ACH transfers on the following dates : XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} I promptly reported the fraudulent transfers to NFCU at my local branch in XXXX, CA, where a customer service representative initiated a case with the fraud department. Concerned about the urgency, I emphasized the need for immediate reversal, especially given that the last two transfers occurred only one day prior. The representative assured me that my account would be closed and replaced while the fraud department investigates. 
Despite my efforts and cooperation, a letter dated XX/XX/XXXX from NFCU denied my claim, holding me responsible for the full amount. The denial lacked details or additional information. Following their advice, I submitted an NFCU Security Appeal form on XX/XX/XXXX, including information about the XXXX XXXX breach affecting me in XXXX, along with a police report ( Report # XXXX ) filed in XXXX XXXX XXXX 
However, my appeal was subsequently denied due to " lacking new information. '' Despite my pleas, NFCU refused to provide essential details about the transactions, stating they require a subpoena. Unfortunately, obtaining a subpoena is challenging, as NFCU 's headquarters is not in my state, and local authorities claim limited jurisdiction. 
Feeling left in the dark about the situation, I am seeking assistance to compel NFCU 's cooperation, potentially through filing a complaint. I urgently request your support in resolving this matter and appreciate your prompt attention.
Product: Debt collection

Commenity Capital Bank has been harassing me for months now regarding credit card accounts that they allowed others ( NOT ME ) to open using my once high credit score and personal information obtained most likely through one of the several data breaches I have been victimized by. Commenity has repeatedly been asked to provide proof of the debt and to provide information about how the accounts were opened ( or in some cases reopened ) without my authorization. 

Commenity has been calling me several times a day now for about five months using abusive and threatening language and refusing to stop calling, refusing to provide proof of debt, refusing to do anything except call me to extort money from me. 

Yesterday, XX/XX/2019, at XXXX XXXX  they began harassing my relatives. Specifically, " XXXX '' at XXXX Extension XXXX called my sister and her husband, Dr. XXXX XXXX and XXXX XXXX XXXX, to harass them about my " debts. '' My sister will be filing a separate complaint about these actions. She is also contacting her Congressman and the Virginia Attorney General. For my part, I will also be contacting my Congressman and my state attorney general since CFPB seems to be giving Commenity a hall pass on their bad and illegal behavior. 

This was clearly an attempt to embarrass me and coerce me into paying them for a debt I do not owe. 

Pursuant to the Fair Debt Collection Act, I have asked several times for proof of debt. This has been met with illegally requesting me to incur great cost and time expense in providing police reports, notarized ID copies and pro viding information that I do not have since I did not open the fraudulent accounts, Commenity did. Under the Fair Debt Collection Act they NEED to provide me with the details. " They were opened on line '' is not valid. I did NOT consent to opening " online accounts '' with Commenity. I am not interested in paying 30 % interest for overpriced items from the vendors for whom they provide store cards ( XXXX, XXXX, XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by AMEX ( XX/XX/2021 ) and I have no recollection of doing any business with AMEX .I contacted AMEX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.
Product: Credit card

We request your action against an online merchant 's fraud. The merchant charged our credit card after the order was cancelled. 

The merchant has provided deceitful reason to justify for charging our card. The merchant claimed to credit card company that it advised that it will not be able to issue credit back for the merchandise that had been already shipped. The Merchant did not advise it to us when we placed the order. 

We placed single order to merchant and cancel it in less than 24 hours before it was delivered. Although the merchant 's representative, XXXX XXXX XXXX, Account Manager confirmed the cancellation of the order via email, the merchant is fraudulently holding our credit for delivery of partial order that too after 5 days of order cancellation. 

We also request to take an action against the XXXX XXXX as it fails to receive our many from the Merchant even after 3 months and closed our billing dispute twice without getting our full credit back from the merchant. Merchant 's representatives XXXX XXXX and his supervisor, XXXX XXXX XXXX failed to respond our numerous phone calls. They failed to respond our email notice dated XXXX XXXX, 2016 for possible fraud charges for holding credit of cancelled order.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXX XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. 
Statement of Violation : XXXX XXXX XXXX in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXX on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies. 
Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX  to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX  actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2022 I reach out to XXXX fargo for the fee that was over charged on my account. {$XXXX}
Product: Credit card or prepaid card

I reached out to Synchrony Bank back in XXXX regarding my JCP credit card. In this conversation I explained that I was going thru a financial hardship and I inquired about settling the account for less than the full balance. The representative gave me an amount to pay for that settlement and I paid it. Never received another statement again. It was safe to assume the card was considered paid off ; however, it has been reporting to my credit report for nearly 3 years as an unpaid charge off. I wrote a letter requesting this to be changed and it wasn't back in XX/XX/XXXX. At this point Synchrony Bank has violated my consumer rights and the FCRA and I am ready to pursue them to the furthest extent of the law.
Product: Credit card

I responded to an introductory offer the end of XXXX by a company called XXXX XXXX for a XXXX and with it came a XXXX sample. It was FREE and the shipping costs were XXXX and of course I had to give them my credit card to mail the offer. I received both samples but also was billed 4 times in one month in the amount of {$89.00}, {$87.00}, {$89.00} and a XXXX th charge of {$87.00}. I called the company and told them I never authorized the usage of my credit card for additional shipments and there was nothing transparent in the introductory offer that advised more shipments would be forthcoming. So, I received my introductory package and called and cancelled the order when I received package number two which I did not ask for nor did I keep. I returned it to the sender and received two cancellation numbers XXXX and C XXXX. 
What is surprising about this is that today when I checked on the balance on my Frontier XXXX XXXX card they reversed the three of four credits and are charging me for products I did not request, charges that I did n't authorize and merchandise that I did not receive. I have had an XXXX XXXX XXXX and Platinum card since 1984 and have never once had an issue with fraudulent charges and have come to expect credit card companies to protect their customers from unwarranted charges. Apparently, it is in Frontier XXXX XXXX 's best interest to side with the vendor and they obviously did not do their due diligence even though they have had three months to figure this out. I will cancel my card but wanted this published so other card members will not be surprised that this company does NOT have your back.
Product: Debt collection

This particular account was sold to midland funding The account in question is over seven years old and the collection agency Midland Funding practice illegal credit reporting practice this account was removed by this company days later they put it back on my credit file I have experience the taking off and on at least 3 times I took screen shots for the record of this unfair advantage that they have over the consumer
Product: Student loan

I tried to sign up for the REPAYE/SAVE plan with them. They denied my application stating that I needed to provide them with 3 years of income information. This is simply false, there is no reason I should verify my last 3 years of income with them. I have already provided them with proof and verification of my current income via my latest tax returns. 

I have tried calling them, which resulted in busy lines and a notice to try using their website to email them. Upon using their website I received an email saying " We're really busy, try calling us ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/HSN is in violation of the Fair Credit Reporting Act XXXX FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XX/XX/HSN. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XX/XX/HSN for review or collection
Product: Checking or savings account

I closed my checking account due to horrible customer service and the balance was supposed to be sent to me by mail or transferred into another account. Citi argued with me about my actual ending balance and later found out that my balance was in a holding account. I spoke with XXXX seperate managers XXXX - empl ID # XXXX and XXXX empl ID # XXXX who both reassured me they will handle it and I will receive my money. It has been over a month and I still do n't have my money.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( XXXX ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING! 

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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

XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing based on my previous communication regarding the removal of fraudulent items from my credit report. This marks the XXXX formal attempt to address this critical matter. Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX