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

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( pleae remove ths account before i seek litigation for defamation of character ). XXXX XXXX  Bal. {$200.00}, XXXX XXXX XXXX Bal. {$1000.00}, XXXX XXXX Bal. {$320.00}, XXXX XXXX Bal. {$780.00}, Dept of Ed Bal. {$3800.00}, Dept of Ed Bal. {$2400.00}, Dept of Ed Bal. {$4800.00}, XXXX XXXX XXXX Bal. {$5900.00}, XXXX XXXX Bal. {$520.00}
Product: Bank account or service

I asked Navy Federal Credit Union to re-imburse me months ago for a few transactions and they never did in these specific amounts. And I was not given a form to fill out. I had to call and file fraud. Now they are saying they could n't refund me the money. 

But now they say that they were supposed to add back $ XXXX to my credit card which now they have n't done. HELP!?
Product: Checking or savings account

My debit card was used in another state without my permission. Over {$200.00} was spent on a sports betting website which I have never heard of, as well as an XXXX in Texas. I've been in Missouri the whole time, and I filed a police report. I called the XXXX in Texas, and the manager gave me the name of whoever used it. I gave that information to police. 

My bank keeps telling me " no error occured '', which makes no sense considering I didn't authorize the transactions. My bank even texted me asking if I was authorizing a transaction from the very merchant in question, to which I replied " No '', indicating I did not authorize the transaction. Why would i authorize XXXX transactions but not a XXXX? I wasn't even aware of the other transactions until the text I received caused me to check my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be XXXX XXXX Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.
Product: Credit card or prepaid card

I am a member of American Express for over 25 years. I have 2 platinum cards and 1 regular American Express card.

I maintain those accounts in good standing for the benefit of membership rewards.

Today I needed to transfer 20 % of the points to partner airline to purchase tickets.

I was unable to do that due to " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am sure that I didn't do anything different from what I have done in the past 25+ years that would cause suspension of my benefits.

Membership reward points are credited on account for the reason for spending money on the account and paying your bills.

I spent money and paid my bills.

if my membership rewards balance not unlocked I will lose my tickets and it will be serious damage.

I spent

1 hour on the phone with a representative and her supervisor and neither of them was able to expan me what is the problem with my account and when it will be resolved. They also were unable to name anybody in charge who can explain what is the problem and how we can solve it. I pay for 2 car
ds {$450.00} each to be Platinum member per year and I am not getting what I am paying for.

please help.
Product: Credit card

Each month since XXXX we discussed erroneous charge and related interest and fees, and after agreeing to remove the interest and fees were added back. It has become obvious that this approach is habitual and a game to exhaust the customer into submission.
Product: Credit reporting or other personal consumer reports

EXPERIAN SENT ME A LETTER REGARDING A DISPUTE REINVESTIGATING OLD INFORMATION ON MY REPORT THAT NEEDS TO BE REMOVED FRAUD ALERT UPDATE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as re ported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraudThese are several hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX Balance Owed : {$18000.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due toHuman Trafficking debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like all listed accounts to be blocked and deleted company XXXX XXXX XXXX, XXXX, Experian. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I first learned my ID was stolen on XX/XX/2023 when I found out there was an electronic withdrawal from my checking account to fund an XXXX account. I immediately contacted my bank and XXXX. I requested my bank to close the checking account and notified them the withdrawal was not authorized my me and it could be a fraud. I also spoke with XXXX and they were able to close the account and no money was transferred. I then received calls from XXXX XXXX XXXX and XXXX about some unusual activities ( some {$4000.00} purchases were made with some new accounts ) and asked to verify. I told them that these are fraudulent accounts opened without my knowledge and consent. They took the action to deny these charges and closed the accounts. A few days later I noticed in my credit report there was a charge of {$330.00} came under Barclays Bank Old Navy credit card which is fraudulent. I contacted Barclays Bank and notified them in writing the account was not authorized by me and they started an investigation. A couple of weeks later they sent a letter and said they completed the investigation and the account is valid. I then received a bill from Barclays Bank charging {$330.00} plus {$37.00} late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my report again and noticed that Chrysler Capital is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'd paid my debts on  XXXX   XXXX ,   XXXX   and it 's yet to reflect that on my credit report. After calli ng JeffCapSys as recent as last Thursday ( I was initially told they report on the third Thursday ) which they now say that the company reports to credit bureaus on the third Friday! I 'm sick of it! Fix it!
Product: Credit card or prepaid card

In XXXX of 2021 I applied for and received a XXXX XXXX XXXX XXXX XXXX from Barclays Bank with an introductory offer of XXXX points for first {$1000.00} spent in first 90 and an additional XXXX points for a second {$1000.00} spent in a second 90 days. I have never received any of these points nor any points for any purchases ever on this card. I have contacted both Barclays Bank and XXXX XXXX XXXX XXXX ( several times each ) about these missing points only to be told by both Companies that it is the other Companies fault and to get in touch with them. Customer Service for both Companies is absolutely useless. XXXX XXXX tells me that Barclays Bank never requested that my XXXX XXXX XXXX XXXX XXXX be attached to my rewards program with them, so Barclays Bank has me with ( as of today ) XXXX rewards program points and XXXX XXXX has me with XXXX points. All I want is for my CC to be in sink with earning the points that I am entitled to and as of today I am still earning NO REWARDS POINTS with this CC..PLEASE HELP ME THANK YOU
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX 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

Because of a data breach at Equifax, I was sent a letter last fall letting me know that my personal information was compromised and that I was being offered XXXX  XXXX to monitor my credit information. I went online to do the registration prior to the XX/XX/XXXX deadline. Now I am being told that I never registered in time and I am not eligible for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 GFS II LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Debt collection

TransUnion is reporting bankruptcy on my credit report it's infringement upon a consumers right to privacy pursuant 15 usc 1692
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit card or prepaid card

My account is locked i have not been able to access my account details at all never have i been able to since the start of recieveing benefits i call and get no response i stayed on hold for 3 hours and got hung up on twice never can get a live person to speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting Bureau I am in disagreement with the items listed below which still appear on my credit report, even after notification. I would like these inquiries reinvestigated. The inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsequent A-D, please provide the names and business addresses of each individual with whom you verified the inquiries below, so that I may follow up. 

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 Please forward an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Best Regards, XXXX XXXX
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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX And Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I contacted TransUnion by certified mail on XX/XX/2020 disputing inaccuracies in my credit file. It has been 30 days and I haven't heard from them regarding the disputed items nor has any action been taken to correct the inaccuracies. I have uploaded a copy of the letter that was sent to them for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons XXXX  XXXX XXXX  equifax will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.
Product: Debt collection

I need your help with a third party debt collector Javitch Block LLC. They are suing me and I suspect without any meaningful attorney involvement. They sent a extension to my motion to dismiss to the courts to obtain documents. They wrote in the first paragraph it was for XXXX XXXX XXXX XXXX XXXX XXXX and then the last paragraph they put XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe this company money and they have not verified any documentation nor did I give them permission to obtain and use my personal information. I have had several XXXX and this added XXXX is not helping my condition. I have heard Javitch Block LLC in XXXX Ohio is a debt collection agency who uses unfair practices and threatens to destroy people and have an attorney XXXX XXXX. I do n't have a lawyer because I can not afford one and have a child to take care of. This purported debt has gone to XXXX other third party debt collectors and none of them could verify it and they all have different account numbers for this purported debt and I have never had a contract with this company or heard of them. Can you please help.
Product: Money transfer, virtual currency, or money service

I am writing you to normally express my concerns reguarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, This is a lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Checking or savings account

I have written a check to myself from another bank account and deposited to my Bank of America account in order to move money within maybe a business day because typically this is what happens, and Bank if America has put a hold on my check for more than 10 days. 
This is an extremely long hold and it exceeds the hold within federal law of 9 days. 
Bank if Americas policy is that checks with less than XXXX XXXX funds should be made available within 3 days. My check was XXXX usd. This hold they put on my check is preventing me from paying my rent on time and causing me to pay a late fee to my landlord. 
This is absurd and they are not willing to help at all. I have tried calling them to see if they could release the hold and they simply say no theres nothing they could do.
Product: Debt collection

XXXX  XXXX XXXX  Dates : XXXX Amount : {$16000.00} I have contacted the Medical Facility who confirmed this was the XXXX XXXX Debt and they sent me all supporting documentation. 

I contacted a attorney whom is going to file a suit if I am unable to get this resolved. 

I have also contacted all 3 credit bureaus by phone and online and have disputed this twice now. 
My supporting Documentation cleary shows the XXXX XXXX debt and responsibility.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Debt collection

This collection agency represents XXXX, in order to do what they want, I would have to violate XXXX laws, by climbing on a roof, and risk electric shock.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint regarding an issue with a money transfer I initiated through Western Union. I made an international transfer today XX/XX/year> at XXXX XXXX. to send funds to a recipient in the XXXX XXXX. However, the transfer has been held in Western Unions Consumer Fraud and Protection department, despite my prompt verification of the transaction. 

Upon contacting Western Union, I was assured that once I verified my information, the funds would be released. Unfortunately, despite following the required verification process, my funds remain on hold, and I have not received any further clarity on why the transfer is still delayed. 

This situation has caused me significant inconvenience and goes against Western Unions Money in Minutes policy, which states that funds should be available almost immediately after a transaction. I am requesting assistance in getting my funds released and a formal explanation from Western Union about why this delay has occurred after I fulfilled all verification requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like a lot of things on my credit should be moved. They are old. The addresses are old.