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

My name is XXXX XXXX and this is not a third party filing this complaint. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( no XXXX XXXX XXXX, XXXX, I presume that no proof under the alleged debt, therefore any such debt, in fact exists. Therefore I Demand the attached information be removed immediately.
Product: Credit reporting or other personal consumer reports

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 a ( 2 ) ( A ) ( i ) which states that it is illegal to report transaction history : " 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Also, Fait Credit Reporting Act 15 USC 6805 states that CFPB must enforce it : " 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of XXXX  [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the XXXX XXXX authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law '' I am requesting that above names accounts be updated to the " paid as agreed '' status reporting XXXX XXXX XXXX XXXX and {$0.00} XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX experian and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX experian and XXXX are violating the fcra and all agencies are violating my right to privacy,.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 Regulations E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX : # XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX 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 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX
Product: Checking or savings account

I transferred {$150.00} through the Discover Bank to them from my XXXX XXXX account to cover two outstanding amounts, an {$83.00} check to XXXX XXXX as they do not accept debit cards and a {$31.00} autopay to the IRS for my federal taxes. I was assured by the Discover rep that all was fine. This was done on XX/XX/2023 and I received confirmation from Discover that the money would be transferred by XX/XX/2023. I then received notice the transfer had been completed on XX/XX/2023 and then another email stating transfer was completed and money was in my Discover account days ago. Then today XX/XX/2023 I received a notice my account was overdrawn. I looked at my account and the money was showing deposited but they had returned the {$83.00} check!! Which means the business will now try to gouge me for $ XXXX {$50.00} in fees!! I called and spoke with two incompetent workers who did not do a thing but waste an hour of my day repeating what I said, then said they would transfer me to a supervisor, his name was XXXX and he was even worse! He made no attempts to just release the funds and pay the check but instead remarked sarcastically it can take up to 10 days for the funds to be available and since I have had several stop payments on the account I placed ( which were due to being cheated by others ), and a few payments returned over the last 15 mo due to having XXXX income while off work on unpaid medical leave from the State of IL XXXX after working XXXX hr weeks for the last six years and pandemic, it would probably take the full 10 days! I have already checked my XXXX XXXX account and the money has been taken so it is not there, it is at Discover and he acknowledged this, but they still are not giving me access to my funds and paying the check that came through!! I closed my two other accounts with Discover today due to this and will close this one too once these two payments clear. This so called manager is a joke!! He is incompetent and only seemed happy to close my accounts after 4 yrs!
Product: Consumer Loan

Capital one auto has been reporting incorrect information on my credit report sense XXXX of 2016 and still until this day it is still reporting repossession and account is closed yet and still I have been paying the car payment every month until this day and I went to by a home and because of what they are reporting costed the lender to reject my loan after it was pre-approved can I sue capital one for damages.
Product: Debt collection

XXXX XXXX  sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from Ally Financial Inc in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and XXXX XXXX should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in 2017. I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On Experian the balance is being reported as {$9800.00} while on XXXX and XXXX the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX I am asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX
Product: Debt collection

XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Subject XXXX Debt Validation Request Dear ADS/COMENITY/SEPHORA, I am writing in response to your recent communication regarding the alleged debt referenced in your letter dated [ insert date of their letter ]. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am requesting validation of this debt.

Specifically, I request the following documentation : 1. Proof of Debt : Copies of all records showing the amount of the debt, how it was calculated, and the original contract or agreement signed by me.

2. Assignment of Debt : Copies of all contracts or assignments that demonstrate your legal right to collect this debt, including any chain of assignment from the original creditor to your company.

3. Original Creditor Information : The name, address, and contact information of the original creditor, along with details about the account and any outstanding balance at the time of the assignment or sale.

4. Payment History : A detailed, itemized statement showing any payments made, fees added, and the balance still owed.

5. Statute of Limitations Verification : Documentation confirming the date of last payment and whether the debt is within the statute of limitations.

Until I receive the requested documentation, I dispute the validity of this debt. I also request that all collection efforts, including reporting to credit bureaus, be halted until this matter is resolved.

Please note that future communication regarding this matter should be in writing and sent to the address listed above. Additionally, I request that you do not contact me by phone.

Thank you for your cooperation. I look forward to receiving the requested information within 30 days of your receipt of this letter.
Product: Credit card or prepaid card

On XX/XX/2019 an unknown person used my personal account information to order furniture and other items from XXXX for {$2100.00} and charged the purchase to my XXXX credit card. The charges are as shown on XXXX XXXX # XXXX. Wayfair chard is back by Comenity Bank. 

At no time did I give any person permission to use my XXXX card and did not authorize any of these charges. The address associated with the order is XXXX XXXX XXXX, XXXX, CA XXXX. The phone number listed is XXXX. The phone number or address is not mine. 

In response to the order XXXX sent a confirmation email to my email account which I noticed on XX/XX/XXXX, XXXXThat same day I contacted XXXX by phone to report the fraudulent activity and received an email confirmation of my call. The email further instructed me to contact Comenity Fraud Department which I did. ( see attached Email from XXXX ) Comenity indicated they would investigate the charges. 

Within the next several days I received calls from other merchants with whom I hold credit cards ( XXXX, XXXX, XXXX  ) and in one case a new account someone was attempting to open.The activity suggested fraud and all were all flagged and terminated. 

As a result I contacted all 3 credit reporting agencies, initiated a fraud alert, and initiated a 7 year fraud notification. 

On or about XX/XX/XXXX I began to receive calls from delivery companies about attempts to deliver XXXX products per the order above. I contacted XXXX again and learned that the goods were never cancelled and were still showing on my account. 

I then contacted both the XXXX  and XXXX Police departments, and filed identity theft and fraud reports with XXXX Police Department and and the Federal Trade Commission. ( see attached XXXX report ) XXXX XX/XX/XXXX, I received a letter from Comenity dated XX/XX/XXXX indicating that the bank finds no basis to support the fraud claim and finds me liable. ( see attached omenity Letter ) On XX/XX/XXXX I again contacted Comenity and after 30 minutes was unable to speak with anyone that would address or resolve this matter. 

I did not authorized, condoned, or allowed any person to use my personal information/account/credit card to purchase anything from XXXX/Comenity. 

I ask that CFPB immediately investigate and resolve this matter on my behalf.
Product: Money transfer, virtual currency, or money service

since XX/XX/2021 not answer. around {$10.00}, send many emails to their support account email without any response.I have weeks without a response from the company that I have invested a lot of money and they do not mind answering the emails. Suddenly they took away my access through the application of the cell phone and my laptop. There is no other way to communicate with this company called Gemini. they are very irresponsible without being sensitive to their clients. Now I don't know what to do thinking about all my money invested in this company called Gemini.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXXXXXX XXXX XXXX
Product: Mortgage

Dear Sir, Wells Fargo has doubled my mortgage payment and raised my rate and railroaded me to pay taxes and insurance when they had already been paid. 

I have fought them for over a year to correct this with no result. At one point they were going to foreclose on my house. 

Im a XXXX veteran with limited income ; can you help? 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX. Equifax XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CRAs I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report, XXXX report And XXXX The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used Zelle pay through my bank and accidentally sent it to the wrong person. The person won't send it back and my bank can't guarantee I get my money back.
Product: Mortgage

To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now. 
My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL.XXXX  email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage. 
The HHF has approved us but the lender has not. 
We have acquired very high medical bills due to illness and really need this help.
Product: Credit card or prepaid card

On XX/XX/2023, I attempted to withdraw {$150.00} from my Cash App. The ATM did not dispurse my money. I contacted the ATM company using the number on the ATM and they told me that I had to contact Cash App because they are not responsible for money that is lost. I put in three different disputes and attached the receipts showing that no money was dispersed and cash app denied every dispute I put in. I have contacted cash app support on multiple occasions and they have not assisted me with my claims. I called the ATM company back they told me to file a regulation e claim and then when I called Cash App back with this information they kept telling me to dispute the claims but kept denying them. I just want the money that I lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent out 2-3 letter asking Experian to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Product: Credit card or prepaid card

In XX/XX/XXXX, my primary bank account where the payments to my Capital One credit card came from was compromised in a fraud attack so the bank transferred my money to a new account. At that time the credit card payment day ( Capital One ) was made and the payment was declined. After 3 days from the new bank account I paid the entire credit card statement. I have always paid the full amount of the card statement. I understand that for that specific month the have to charge me interest and it is ok ; but now Capital One continues to charge me interest on the monthly amounts of my card without my balances having more than 30 days which is unfair if I do not charge balances without paying from one month to another. Today, XX/XX/XXXX, I called to be explained and the supervisor XXXX XXXX tells me that they would continue to charge me for the next 2 cycles for the XX/XX/XXXX delay problem. I told him that it was unfair because if they had told me that I would not have used the card in the coming months. In addition, it is not fair that they charge me interest for amounts that do not take more than 30 days. She told me that on page 2 of the card statement it said that and that is LIE! I read her what she said and that is never mentioned, so she answered that even though it doesn't say it textually there in writing, that's how they execute it. This is totally unfair. I should not pay interest for money that I don't owe them.
Product: Consumer Loan

In XXXX I took out an auto loan with XXXX, which is now Santander bank. XX/XX/XXXX I filed for chapter XXXX bankruptcy and included the remaining car payments in my bankruptcy payment. My case was closed and a discharge was granted on XXXX/XXXX/XXXX. I have been calling Santander for about a month requesting the title to my loan. The latest excuse was that they do not have the title and they put in a request to XXXX to release the title. This confuses me since XXXX XXXX is now Santander. I am hoping that I can find some resolution to this since I would like to trade my car in within the next month.