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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXXXXXX Balance : {$460.00} XXXX XX/XX/year>XX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I took a loan out with this company XX/XX/XXXX for {$XXXX}. The biweekly payments are {$XXXX} per pay period. Per the loan agreement I had to make a XXXX number of payments with XXXX XXXX  %. XX/XX/XXXX I received a late payment for {$XXXX}. I contacted them and they claim their system completed and audit from XXXX. This company is reporting inaccurate information that's not in the loan agreement. The account is now paid in full, but the balance and the payment history is not correct and I'm requesting this information be updated.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Checking or savings account

Umpqua Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX hour ago ) to me XXXX Payment back to Umpqua Bank my bank account after my account has been closed but Umpqua Bank accepted my refund with XXXX . However, Umpqua Bank did not contact me nor send me a refund check. Therefore I would like to Umpqua Bank to refund me immediately. 

XXXX Payment Back to Umpqua Bank after I returned the product and got a refund.as follow. 
XXXX XXXX reference Merchant reference Creation date Created by 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 ( A Account XXXX Umpqua Bank Statement Shows as follows XXXX POS purchase terminal XXXX XXXX XXXX XXXX ma - {$390.00} XX/XX/XXXX ** Closed Account - Final Statement. Ending balance {$0.00} On Fri, XX/XX/XXXX, at XXXX Specialty Support XXXX date : XX/XX/XXXX, XXXX subject : Re : XXXX Reference Number : XXXX mailed-by : gmail.com Dear Mr XXXX I hope this email finds you well. 

As was stated before we were previously seeking to provide you with a check when it was believed the direct transfer of funds was not processed, however, I am happy to report that we have confirmation that your refund as part of a direct transfer was successful and that there is no requirement for a check nor are there any further delays. 

Please find below for your records and can be provided to your bank ; our systems do indeed show that this transaction was accepted by your financial institution as per the details below. 

XXXX XXXX Merchant reference Creation date Created by Acqu Refund 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A This confirms the refund to have been completed on the XXXX of XXXX. 

I have also confirmed with our finance department that as the refund was directly made on the transaction token to the associated account, the refund was processed fully without issue directly into the bank account. It was not and would not be affected by the status of the card, whether this is active or canceled. 

Please find attached all confirmation of refund documentation of this transaction which your bank will be able to verify. 

As we have confirmed that the refund has indeed been processed, there is no further action we can take on this case. I have provided everything possible to ensure you have the relevant documentation for confirmation the refund was in fact received by your bank. 

Kind regards, XXXX Global Customer Service
Product: Student loan

I received an email on XX/XX/2019 from FedLoan Servicing, FedLoan Servicing, XXXX. XXXX   XXXX, XXXX, PA XXXX, and they were informing me that XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX South Carolina, XXXX informed them as of 2 days ago that I was receiving aid and attending their school when They Are NOT even on my fasfa, and I was never enrolled because I was denied aid. According to the email the school went around that and still tried to steal funds and falsify my attendance. I received notice that I was enrolled via FedLoan when the school informed me I could not enroll due to the denial of aid via email. A man by the name of XXXX told me this via the XXXX whom worked for the financial aid office. Fed Loan and the School falsified aid and facilitated aid when the school was never on my fasfa to even pull aid or contact Fed Loan.
Product: Debt collection

Found a hit on my credit report from Franklin. Sent a formal dispute asking for validation of the account. The i was sent via certified mail on XXXX XXXX and signed for on XXXX XXXX. I received a final bill from the company showing a phone number that was not mine. Franklin broke the law by not supplying a valid signature or proof in the required 30 days by law, nor did they remove this from the credit bureaus.
Product: Debt collection

I am unaware of an Emoney loan. They are reporting a charged off account on my credit bureaus stating i owe {$1000.00}. i did not borrow from this firm and would like this to be removed. I contacted the firm previously to ask for a validation of debt and did not receive any notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.

Best regards, XXXX XXXX
Product: Mortgage

The debt collector XXXX stated a non-judicial foreclosure on a second mortgage that is over 18 years dormant, and not collected, I disputed the debt in 30 days and requested for verification, they did not respond and are continuing in collection with foreclosure, set in XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX XXXX XXXX XXXX act # XXXX with Equifax, XXXX  and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX   XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX
Product: Student loan

I asked my aunt to help me procure a loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She had used Sallie Mae so she said let 's try them. No one explained to either one of us that we could not change the terms of the loan at any time. She chose the lowest interest rate but didn't realize that meant I would have to pay {$200.00} every month, which I can't afford and she can't either because she has XXXX children with XXXX XXXX and company lay offs. I was going to offer to try to pay something each month but they said it has to be {$200.00} and I can't even afford food right now since I was unable to find a job that would pay much with the course load I have in my XXXX XXXX I am the first of XXXX kids to go to XXXX- my parents didn't go and are on section XXXX and I formerly spent time in XXXX XXXX... .there is really no one I can turn to. My aunt tried to help but now I'm worried I will have ruined credit before I even get a job as a XXXX XXXX XXXXXXXX XXXX I explained this to them and asked is there anything they can do to help me and they said no. The repayment was deferred for 2 months and now they want {$400.00} immediately. What can I do to avoid what this woman XXXX ( XXXX XXXX ) told me was " very bad things where you will have bad credit and they will put leins on you and any wages you make ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax have me as XXXX XXXX  XXXX the fifth enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

The following letter sent to Capital One describes the fraud : XXXX XXXX : XXXX dated XX/XX/2023 This is in reference to the above mentioned claim files for my stolen credit card and used by someone else for more than {$10000.00}. 
I have received your letter for denying my claim for these transaction stating not enough evidence to support. Please undewrstand if someone loses credit card, what proof is he supposed to give you to prove that it was used by someone else? Also i would like to put forward the following for your reference to prove that it was not used by me. 
XXXX. In the history my credit crd for last more than 5 years, m my card is only used at not more than XXXX locastions on weekly basis. So your system should have detected unusual acivity right at the first instance when it was swiped at XXXX shop in different location. 
XXXX. It is business card, so any activity other than businesses should have prompted by your system anmd styopped the transaction, but it did not happened. Also it was never used at the night time in my purchase history. 
XXXX. I have attached my XX/XX/XXXX Timeline to prove my activities on XX/XX/XXXX all day for your reference. 
XXXX. Also filed a report with XXXX XXXX police department case XXXX on XXXX XXXX, 2023 to prove my innocense. 
XXXX. I will request you to escalate the case with npolice department as they can check the camera at places where the card was used. XXXX XXXX, XXXX XXXX XXXX all have camera 's to prove my innocense and find out the person who has done this fraud. 
Your response has made a big question mark on my safety of using your card for future puirchases. If I lose it again and someone swipes it for {$50000.00} than will I be responsible for those fruad?? 
I will request you to review the case again and credit my account for those charges. Thank you XXXX XXXX ( Phone XXXX )
Product: Money transfers

I cancel a money transfer made online since XXXX/XXXX/2016 still did receive my refund back and Western Union customer are not try to solve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to XXXX XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX XXXX XXXX I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXXsince that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting

Mailed out disputes to Experian, for them to investigate several items that are reporting incorrectly, not mine, and personal information that is incorrect. And a dispute asking them to tell me how they " verified '' items that XXXX could not " verify '' and subsequently deleted. All of these disputes were sent certified mail with return receipt. First dispute ( of incorrect personal information ) mailed XXXX/XXXX/16 received and signed for by Experian on XXXX/XXXX/16, second dispute of accounts that are not mine was sent XXXX/XXXX/16 received and signed for by Experian XXXX/XXXX/16, third dispute mailed XXXX/XXXX/16 received and signed for by Experian XXXX/XXXX/16, fourth dispute mailed XXXX/XXXX/16 with a NOTARIZED AFFIDAVIT stating that I am the consumer that is sending in the dispute, the fifth dispute was mailed XXXX/XXXX/16 and signed for by Experian XXXX/XXXX/16. All of the disputes were signed by me and included a legible copy of my identity ( copy of a current drivers license ENLARGED ) and ( a copy of my social security card ). I received a response letter from Experian stating that " we received a suspicious request regarding my personal credit '' " and they refused to conduct a dispute. Experian had a copy of social security card and my drivers license as VALID PROOF that I am the consumer that sent in the dispute. Experian also has my signature as VALID PROOF that it was indeed myself that sent in the dispute. Experian automated system that is being utilized appears to be programed to use stall form letters and tactics when they are out of compliance and appears to be willfully refusing to dispute and is in violation of the FCRA & FDCPA. They have also refused to remove incorrect and invalid address that I have never used. 
I have enclosed what was mailed to Experian and the response they sent refusing to initiate an investigation.
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 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 Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My XXXX  credit card was charged {$3600.00} on XX/XX/XXXX. The charge is from " XXXX  XXXX XXXX '', a company i've never heard of. This occurred during a trip to XXXX with my brother during that time. After returning home from the trip I checked my account and saw the charge, which I then disputed on XX/XX/XXXX. I was told that it would take several weeks for a response. The dispute claim was rejected on XX/XX/XXXX due to " We confirmed your card was used for the charge. The chip was read ... which indicates you or someone you allowed to use your card was present ''. I contacted Bank of America on XX/XX/XXXX to protest the decision and was told that the Fraud claim would be resubmitted ( confirmation no : XXXX ). On XX/XX/XXXX I contacted BoA again to follow up and was told that nothing had been filed. I went through several individuals on that day ( XXXX, XXXX, XXXX, XXXX XXXX ) who could not provide me support until I spoke to XXXX XXXX out of Texas. XXXX XXXX told me that she was able to get things submitted for me giving me confirmation no. XXXX and told me to contact the existing claims to follow up in the future and that I would be mailed a confirmation that everything was on track. 
I reached out again on XX/XX/XXXX, after not hearing anything or receiving anything in the mail. XXXX from Tenessee informed me that my claim had been denied that day, the XXXX, and that she didn't know why I didn't get a letter. She recommended that I file a police report and submit again if I wanted to. I've no been able to get a report filed and am looking for guidance. 
All of the charges, including all travel, during my trip to XXXX are included on both my BoA credit and debit card. I still have not been told the actual name of the company or the product I supposedly spent the money on. BoA claims that Fraud is impossible with the chip but everyone I've spoken to on the phone at BoA agrees that someone, say a waiter, could have easily taken my card as payment for a meal and run the charge.