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

I do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX
Product: Debt collection

They are calling family members that do not have anything to do with said debt. They refuse to give any information and are harrassing the family member.
Product: Money transfer, virtual currency, or money service

I wired money from my Chase account to my XXXX XXXX  in XXXX XXXX XX/XX/2022. 
XXXXXXXX XXXX  apparently wired the money back to Chase via XXXX XXXX in XXXX XXXX as they explained that they " can not accept international payments from another South-African bank. '' It sounds to me that the money is at XXXX XXXX and Chase has to get it back from them. 
I did communicate with Chase on multiple platforms, via email, on the banking app with secured messages and I communicated with my banker at Chase, but I still did not get any answer on where and how I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, Specialized Loan Services flagged my XXXX credit report that my loan with them was " 119 days, 4 payments late. This is not true ; we had negotiated a " covid '' loan modification, which they proposed. I signed the agreement in XXXX, but then they said there was an error made by them in the documents, and I resigned. 
There must be some penalty that can be imposed on them for making bogus entries on m y credit report, hurting my credit when they know full well that we had an agreement that modified the monies that were in forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

**RE : FINAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT UNDER FCRA SECTION 605B** To Whom It May Concern : This letter serves as a **FINAL DEMAND** for the immediate removal of fraudulent information that your agency continues to report in blatant violation of federal law. I have previously submitted a valid FTC Identity Theft Report ( Reference # [ Insert Reference Number ] ) and provided all necessary documentation required under the Fair Credit Reporting Act ( FCRA ) Section 605B to demand that the following fraudulent account ( s ) be permanently blocked from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Your continued reporting of this fraudulent account is illegal. Under FCRA Section 605B, once I have provided an identity theft report, you are required to **BLOCK** the fraudulent information **within four ( 4 ) business days**. Instead, your agency has unlawfully relied on an unverifiable response from the creditor, despite the fact that I have repeatedly informed you that this account is the result of identity theft, and the creditor has failed to provide **ANY PROOF** of goods or services received. 

Let me be clear : **your agencys failure to remove this fraudulent information is a direct violation of the FCRA**. You are not only neglecting your legal obligations, but you are also actively causing harm to my credit, my finances, and my personal life. You are exposing yourself to legal liability for this egregious conduct. 

# # # My final demands are as follows : 1. **IMMEDIATE and PERMANENT REMOVAL** of the fraudulent account ( s ) from my credit report.

2. **Written confirmation** that the fraudulent account ( s ) have been removed, to be delivered within seven ( 7 ) business days.

3. **Immediate cessation of any further reporting** of this account to any and all credit bureaus.

# # # Notice of Delivery : This letter is being sent to you **via certified mail** to ensure you receive it, and I am simultaneously submitting a copy of this letter through the CFPB online portal to ensure this communication is documented and received by your agency through multiple channels. 

If these demands are not met, I will take the following actions without hesitation : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to report your agencys blatant violation of my rights under the FCRA. 
- File complaints with the Attorney Generals office in my state and pursue any available consumer protection measures at the federal and state level. 
- Pursue immediate legal action against your agency for actual damages, statutory damages, and punitive damages for willful non-compliance with the FCRA. This will include the recovery of attorneys fees and court costs, as your agency has now willfully neglected its legal obligations. 

This is your final opportunity to comply with federal law. If I do not receive confirmation that the fraudulent account has been removed within the next seven ( 7 ) business days, I will proceed with legal action without further notice.
Product: Credit card

On XXXX, XXXX, XXXX and XXXX I received a warning email from XXXX monitoring service set up thru XXXX. It notified me of credit inquiries to the credit reporting bureau 's. I pulled my annual credit reports and found XXXX inquiries had been made to XXXX and XXXX by Chase Credit. I could not pull my XXXX report since their database had problems. I then called Chase to question the request since I had not requested any credit or loan. They told me someone had requested an XXXX credit card using my info. The request had my name, a different address and different birth date. I asked them why they would request a credit report on me since the information did not match my profile. They could not or would not answer the question. I spoke with their fraud department and they told me to put a 90 day alert on my credit thru the credit reporting companies. After a second call a couple of days later, they said they would cancel the transaction. They also did n't have any record of a different address. I have since received emails and an XXXX credit card 10 days after the transaction should have been cancelled. If this was really fraud, why would the emails and card be mailed to me? After hearing of the problems XXXX XXXX is having I was very suspicious of this ordeal. Is this a result of someone trying to make their quota. I now have a credit card I did not request plus multiple credit inquiries on my credit report that could affect my credit rating.
Product: Checking or savings account

On XX/XX/23 on the train to XXXX, on my way to work, I received a work email to my phone what appeared to be from my boss. It had his name as the sender. I was on my XXXX  so I didn't see the address that it was coming from. I thought I was corresponding with my boss, who is an attorney. I am fairly new to the firm. He asked me when I was going to be in the office and that he was in a meeting and couldn't talk but that he needed me to call around to see where I can purchase XXXX  gift cards for him. 
He said it was for a client. My boss does represent less fortunate clients so I was thinking maybe they were in XXXX and needed to purchase a phone, I had no idea. I asked him for what client and he responded that he would tell me everything later. I completely thought that I was talking to my boss. Because of the verbiage, I had never doubted that this was him. I went to a XXXX and did what he asked, bought the gift cards, scratched off the back and sent him a picture. All this communication is attached in this complaint. I got to work to find my boss at work. And he confirmed that this was not him. 
It was all done, and nothing I could do at that time. And looking on my computer I could see this wasn't my boss 's address. 
I submitted the emails to XXXX XXXX, XXXX XXXX. They reimbursed me but that was for a short time. I received a letter from them XXXX  XX/XX/23 that they will be taking the $ XXXX my account on Monday and they did. I called again to plea my case and was denied. 
I was completely scammed and taken from these awful people.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts :XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC, XXXX Complaint Department XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT.

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees and return check fees I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX  account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.
Product: Credit reporting or other personal consumer reports

My account with ( DEPT OF ED/XXXX, XXXX  XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( DEPT OF ED/XXXX, XXXX  XXXX , XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I contacted PayPal to submit a complaint about a particular seller. After over 90 minutes of back and forth, PayPal refused to officially chronicle any form of complaint. First, they said the seller had done nothing wrong so they would not note a complaint about the seller. I then accepted this was their policy. However, then I asked to submit a complaint regarding the fact that they refuse to even accept any complaints regarding a seller 's particular transaction practices. This is where the second and most important issue is : they refused to even chronicle a complaint about their own ( PayPal 's ) consumer practices. Even though I was talking to a PayPal agent, they refused to take this feedback or complaint and directed to me to the " feedback '' section of their site which I could not find after searching around their own site for about 20 minutes. Even searching the keyword " feedback '' on their help page did not pull anything up. 

I am submitting this complaint because a financial institution making it extremely difficult, if not impossible, to register complaints is essentially committing an unethical practice since it will be unable to produce any consumer records in the event of a governmental audit. I suspect this is probably why they make submitting complaints about the institution itself so difficult.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Checking or savings account

I asked for it out of my statement from when I got out of XXXX  on XX/XX/XXXX until XXXX the back-to-back they didn't really give me what I asked for but when I look down there it was very important very very apparent that there were two cars and I know I know that there was a woman on the inside had all the information to make sure and I'm pretty sure I know who who was out spending and one day she took {$780.00} out of my account and I wanted it shut down and they won't shut it down because I got a negative about any shows everywhere that she's so there's no place there's no way I can shop both places at the same time as activity 1 part of town and she as soon as this woman is still working and then I brought your attention and they said you can't cuz you got a negative violent the next track CC I want that count down right now and I want her arrested and she she's got it don't know who exactly who did it and she spent {$500.00} out of my account people that work down in the bank the one that helped me see how she made a card she had several cars on a repaired when you see the thing there it's apparent
Product: Credit card

Apparently I already had paperwork filed by them to my county Court House but haven't been notified by the court house or original debtor that I am aware of and supposedly been made payments on the account as well.
Product: Checking or savings account

I have been banking with my bank for years, suddenly I was a victim in identity theft and my bank decided to XXXX suddenly close my acount after numerous attempts of fraudulent attempts to deposited money into my account. Direct deposits where linked to said account and now I'm missing XXXX separate checks and have been told it takes XXXX XXXX business days but it's been almost a full month now. I have now accumulated late fees on bills I'm behind on, I have reached my limit to a credit card I have, I have borrowed money from family. It's ridiculous how long I needed to wait and how long they are taking.
Product: Checking or savings account

My account had scam via XXXX XXXX  and was linked to my navy federal debit card. My sister used my XXXX XXXX to book a villa in another country without my permission and it was a scam. I called in to dispute the charge on XX/XX/23. I haven't heard any updated this dispute and the charges made by my sister with my permission.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX began reporting a collections account through LVNV Funding that is attached to a XXXX XXXX XXXX account that was opened fraudulently by an ex roomate. The amount in question is {$340.00} and is being reported as a closed account in collections. It was originally reported as an open collections account and then changed. This is the second time this account has shown up on my credit report as I had succesfully disputed it in XXXX as it is a fraudulent account and XXXX removed it. It makes no sense that something which was fraudulent in XXXX, XXXX and XXXX then became legitimate in XXXX. The original XXXX account is nowhere on my credit report and XXXX and XXXX also removed it and the fraudulent collections account. In my original dispute with XXXX I explained the situation and informed them that I have no knowledge of this account, as it is not mine and asked for hard copy validation or any proof that this debt belonged to me. Every dispute was denied and a note was placed on it that it " meets FCRA requirements '' which is untrue as I have an active FTC ID theft report on the account, XXXX has acknowledged it isn't mine and XXXX has continued to report incorrect and unverifiable information, which violates the spirit of the FCRA. I have disputed with XXXX more then 5 times and they have now blocked my ability to dispute that account. 

I have an FTC Identity theft action open against this fraudulent account along with XXXX inquiries which were part of the fraudulent use of my personal information and XXXX doesn't even view the dispute, only responding that the account meets FCRA guidelines when the original creditor acknowledges it is not my account, the FTC acknowledges I was a victim of ID theft and XXXX is working overtime to ensure the damage from the identity theft, a very traumatizing experience, continues to be perpetuated on consumers. As consumers, we already know protections only exist for corporations but I wish XXXX wouldn't blindly trample on consumers and perpetuate a harm.