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

in accordance with the Fair Credit Reporting act 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. 

I have asked XXXX, XXXX and Transunion for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX with absolutely no response. 
so my question is if I cant get propper validation from XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX  Account Number XXXX. Inquires as follows XXXX XXXX and 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: Checking or savings account

Since moving to XXXX I have not been able to login to my Chase account without changing the password which lasts a few hours. On XX/XX/XXXX I spoke to a Chase customer service rep requesting that my checking account be closed. At the time I had a negative balance of {$2.00}. I was told once I created a zero balance the account would be closed so I XXXX XXXX the {$2.00} to the account on XX/XX/XXXX and it was accepted. Yesterday I received an email telling me my checking account was overdrawn by {$15.00}, which is an automatic debit for a credit card debt, so the account had not been closed. I called both yesterday and today to have the account closed as was promised, offering to pay the {$15.00} by XXXX. I was told each time by both a customer service rep and a supervisor that the account could ONLY be closed at a branch. I explained that I now lived in XXXX and there were no branches of Chase here in XXXX, XXXX. I was told that nothing could be done until I went to a branch bank in the United States to close the account. I've wasted a good XXXX or XXXX hours without any resolution for a {$15.00} debit!
Product: Credit card

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 )
Product: Money transfer, virtual currency, or money service

DISCRIMINATION DISRIMINATION CITIBANK EXPECT A LAWSUIT FROM ME XXXX XXXX XXXX A VETERAN OF THE UNITED STATES XXXX XXXX AND YOU HAVE DECLARED A LEGAL WAR AGAINST ME. 

I wired {$4500.00} from my chase account to citibank for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to citibank through XXXX wire with a reference number XXXX I sent it to citibank XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : CITIBANK XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX/TIMEXXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. XXXX finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY
Product: Credit reporting

Bought a Bowflex from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all three credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from XXXX to an XXXX. When applying for a loan it was one of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my husband was tricked by a scammer to send {$490.00} via XXXX. During the phone call, he realized what was happening and he hung up and immediately called our bank, Wells Fargo. The hold time to speak to someone at Wells Fargo was 40 minutes. By the time he was able to tell a Wells Fargo banker that he did not authorize the transaction, he was told it was too late. The banker took down all of the information and said he would open an investigation. On XX/XX/2022 I called the bank because the {$490.00} withdrawal was still in the " pending '' section of our bank account. I wanted to make sure Wells Fargo was aware that we did not want this transaction to go through. I was told an investigation was underway. On XX/XX/2022 I called Wells Fargo to inquire about the process and was told the investigation was closed, no fraud had occurred as my husband authorized the transaction. On XX/XX/2022 we received two letters from Wells Fargo saying they had completed their investigation and there was nothing they could do. On XX/XX/2022 I contacted Wells Fargo corporate office and on XX/XX/2022 I received an email from XXXX XXXX stating that she would be looking into the matter. On XX/XX/2022 XXXX called me on the telephone and stated that there was nothing Wells Fargo could do, the money had already been transferred. I asked what measures Wells Fargo has in place to protect us in this type of situation. She said XXXX transfers are instantaneous. I asked why there have been no protection measures put in place when it has been publicized in the news that the banks have set these transfer processes up themselves. I also asked why we had to wait on hold for 40 minutes when if Wells Fargo 's customer service had answered in a timely manner they could have stopped the transaction. She responded that they are busy and they are dealing with a lot of scams. On XX/XX/2022 I asked that the denial be put in writing. On XX/XX/2022 XXXX XXXX sent me an email apologizing for the lengthy wait time and providing me with information to learn more about how to avoid being scammed in the future.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the *Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX All HARD Inquires from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  Please remove the employment information of the following XXXX XXXX XXXX XXXX Please fix my personal information Names reported XXXX XXXX XXXX, this is incorrect... My full name is XXXX XXXX XXXX.
Product: Debt collection

The company CCS XXXX ( as appears on my caller I.D . ) calls my number repeatedly. Their number is XXXX. I looked on line as to who they may be and they are a debt collection agency. I have no debt I owe to anyone or any debts released in bankruptcy. I personally have great credit. In short, why are they calling me? My guess is they have a collection with someone with the same surname or close to the same spelling in North Dakota and continue to call my number to pry for information. Here is a list of the dates and times they have called from XX/XX/XXXX to XXXX XXXX, 2017. They have called numerous times before as well but this list is only after I started keeping track : XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are running my credit without my permission. I dont know why they are doing this. I have not try to finance anything for years.
Product: Credit card

Subject : Formal Complaint Regarding Fraudulent Hotel Booking through Capital One Travel Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a travel booking made through Capital One Travel that I believe constitutes a fraudulent transaction. 

On XX/XX/year>, I used the Capital One Travel app to book accommodations at the XXXX XXXX XXXX in XXXX, GA, following widespread damage caused by Hurricane Helen. Despite several 3-star and above hotels showing unavailable due to the hurricane, this 2-star hotel was listed as available. After encountering issues completing the booking on the app, I contacted Capital One Travel directly, and an agent booked the hotel for me at a total price of {$200.00} ( Capital One Confirmation Number : XXXX ) for the dates XX/XX/XXXX to XX/XX/year> ( Hotel Confirmation Number : XXXX ). 

Upon arriving at the hotel, it became immediately apparent that the hotel could not provide the services for which I had paid. The building had no power, the parking lot was empty, and groups of people were standing outside. It was clearly not a safe or operational facility. I requested a refund from Capital One Travel, but I was informed that the booking was nonrefundable, and the hotel refused to issue a refund, despite being unable to render services. 

I believe this incident reflects both negligence on the part of Capital One Travel and fraud on the part of the hotel. The hotel knowingly accepted a booking despite its inability to provide basic services, and Capital One Travel failed to inform me of the nonrefundable nature of the booking and did not take adequate steps to ensure the hotels ability to fulfill its obligations. 

I respectfully request your assistance in resolving this matter and ensuring that other consumers are protected from similar situations in the future. I am seeking a full refund of the {$200.00} paid for this fraudulent transaction. 
Thank you for your attention to this issue. 
Sincerely,
Product: Debt collection

I have sent this company a debt validation letter and have received no response in reference to this account. 

I also never received any notice of my rights to dispute, and they are reporting inconsistent/incorrect/unvalidated information on the account across two credit bureaus.
Product: Debt collection

There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called XXXX XXXX XXXX. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX through XXXX XXXX, I do have a XXXXXXXX XXXX  with XXXX but it is in good standing and paid every month. Also, according to the letter sent by XXXX XXXX XXXX this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt. 
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where. 
I have attached the letter that was sent to me from XXXX and I sent back on XX/XX/XXXX with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}
Product: Debt collection

I called credit control corporation on XX/XX/2020 to have them remove my paid accounts ( 3 of them ) from my credit. There is {$0.00} balance and this is negatively affecting my score. Im a US veteran trying to get a VA mortgage loan and do not qualify because of this and they will not remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, Equifax and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, Equifax and XXXX  copies of information from the Bankruptcy XXXX that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since XXXX and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate. 

Dates and File # : XXXX  File # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  Report # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Consumer  # XXXX & Case # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax Reference # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I received a letter and notification from JP Morgan Chase, on Friday XX/XX/year> that chase had restricted my account and would be terminating the relationship. They are refusing to let me withdraw my funds. And will not give a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX  continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance.
I have requested a letter in writing from XXXX XXXX  for federal credit union stating the account was paid to a XXXX balance and was reported as a XXXX balance on XXXXXXXX17.
XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue.
XXXX XXXX and Experian have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.
Product: Money transfer, virtual currency, or money service

So a few weeks ago I left my phone at a gas station on accident. Someone saw my bank debit card was in the wallet in my phone and when they got into my phone and saw I had money in my venmo account they tried to transfer said money to rthe venmo in an instant transaction. The bank account is closed attached to the bank card that was on file. Venmo refuses to give me my XXXX dollars back and they claim they do not know where it is! No one can give me a single answer. I have talked with XXXX and the account is closed so therefore the money would be sent back. I asked venmo to investigate but they dont really do that, they open a case for XXXX hours and then close it before business hours are open for anywhere else which tells me they arent really looking into anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I've sent two cease and desist letters certified mail to Citi Bank and both have been ignored. I receive repeated phone calls every day, I receive phone calls at work, and they have even contacted my family members despite both my letters specifically stating they do not have my permission to contact my phone number, my family members, and that my workplace does not allow these types of calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal  regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting

I have an open collection for {$1800.00} through XXXX. I filed a Chapter XXXX Bankruptcy in XX/XX/2015 and this account should be listed as closed and part of my Chapter XXXX Wage Earner Plan, just like my other creditors. I spoke with the collection agency and was told they provided information to Equifax, I have also disputed this twice with Equifax and they will not update the account. I am providing my Chapter XXXX Statement of Financial Affairs & Schedules, you will see on pageXXXX XXXX is on my list of creditors and this collection should be closed.
Product: Money transfer, virtual currency, or money service

Last Saturday, XX/XX/XXXX, I was looking for a concert ticket for the XXXX XXXX XXXX XXXX. I found a guy, XXXX XXXX ( XXXX, XXXX ), who had what he told me was an unregistered ticket for the remaining two days for {$150.00}. He said he trusts XXXX, which upon researching the company I found ALL of the banks including my own ( Chase ) were partners. 

I submitted the payment of {$150.00} and the app told me there was a problem and it did not send. So I sent it again and this time it went through. Upon checking my bank account, both {$150.00} were sent ( {$300.00} total ) despite the app telling me the first one did not go through.

I contacted Chase to immediately cancel the transactions within 5 minutes of it happening. The lady on the phone told me I had to contact XXXX. I hung up and immediately contacted them. The guy on the phone even noticed the error and told me he did see the error, but then told me that there is nothing they can do and that I have to contact Chase. 

I contacted chase again and was transferred to 5 different people. All of them asked me the same questions ( for security purposes ) so this phone call lasted 30minutes. The first 4 people said I had to be transferred. Finally, the last lady told me the guy already withdrew the money so they can't cancel the payment. They sent a letter to the bank but after 8 days, I have received nothing. 

Despite the first payment not even supposed to go through, both went through and the guy went silent. I know {$300.00} feels like a low amount, but the {$150.00} for the tickets was the last of my spending money that I saved just for that concert and with another {$150.00} going missing as well, I am struggling.