23daVinci/CFPB_Complaints huggingface dataset:
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 block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and CXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

XXXX
Product: Debt collection

There's a derogatory mark on my credit profile that I keep disputing due to a fraudulent claim or some sort of misunderstanding on the debtors part. Somehow, it keeps magically appearing on my report by different companies as if they're selling the debt to other companies. This is so frustrating. So much hard work has been put into my credit profile ; making payments on or before due dates, and not missing payments. This is appalling to me. I have nowhere else to turn. I'm tired of building my credit only to be faced with having to dispute an account that I didn't create. I've never been to the establishment that says that it's me who owes them. Please have this error removed. Thank you so much for your time and patience. Good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific inaccurate information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting or other personal consumer reports

I keep trying to get my credit report updated since XXXX from Citibank and XXXX.Citibank keeps sending documents to XXXX saying that the inquiries are factual when they are not.Citibank keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to XXXX showing that the credit inquiries from Citibank is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.
Product: Money transfer, virtual currency, or money service

A XXXX scammer sent me a bad check for {$3900.00} which I received on XX/XX/2021 and was able to deposit via the USAA mobile app. The funds were deposited into my CHECKING ( i.e., DEBIT ) account immediately. There was no notice in my account of a problem with the check, or of any " pending '' funds. There was no notice of the check being honored on credit, and I never directly authorized credit on that check ( nor did I ever intend to ).

The same day, I got a balance check for my checking account from an ATM. I was able to withdraw {$3300.00} from my account, which ended up getting sent to the scammer 's " shippers '' via XXXX. I have all the physical receipts. 

Several days later on XX/XX/XXXX, I saw in my account that the check had been refunded along with a {$5.00} " fee, '' which left the total of my accounts in debt. I reported it to USAA as soon as I noticed it and realized it was a scam. They reported it to their " fraud department, '' which froze all my accounts and cards by the next morning. 

I have been trying to reach out to my bank, but they leave me on hold for hours on end. It's impossible to talk to a human being. I have bills coming due, and I need to pay for food and medicine. My time and ability to access my money are valuable. 

The best excuse USAA gave me is that they honored the check based on giving me credit, and only because I had such a good credit history with them for so long! Ha! But like I said, I never authorized, nor intended to authorize any new line of credit, and took deliberate steps not to authorize any line of credit. 

If USAA issues me a line of credit without my approval, that's THEIR risk. And as far as I'm concerned, they are complicit with authorizing fraudulent checks by : a. ) making the process totally automated ; b. ) advertising it as " secure, '' and ; c. ) fatiguing its customers into compliance with using it, while diminishing access to real customer service. 

I'm also investigating this issue myself, and have tried to report to several local and federal law enforcement agencies with little response. I am also about to file a local police report for what it's worth. 

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

To Whom It XXXX Concern, I have filed multiple disputes with Capital One in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

Capital One is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from Capital One stating that the account was closed on XX/XX/2023. As of my credit report on XX/XX/2023 the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in May. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/2023 and the account was closed in XX/XX/2023. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have Capital One accounts reflect the accurate date of closure ( XX/XX/2023 ) effective immediately.
Product: Debt collection

the company that is not responding are : XXXX XXXX XXXX XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XXXX and XX/XX/2021 to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.
Product: Debt collection

I have a student loan that has been in default for some time. Both GC Services Limited Partnership and the US Department of Education indicate to go to the XXXX website for up to date information on the balance and status of a student loan. On XX/XX/18, I went to the website, got the exact balance, and paid it off. I then contacted both the Department of Education and GC Services Limited to express that I had made the full payment, in the amount shown on the website of {$3800.00}. In discussion with the Department of Education and GC Services Limited, at no time was there any indication of further debt being owed, over and above what was on the website, and I was informed I should show a {$0.00} balance on my account within 3 - 5 days, per the Department of Education, and that it would take a few days longer for it to reflect the same with GC Services Limited. This morning, I went to the XXXX website to find that I did not have a {$0.00} balance, but a balance of over {$700.00} dollars showing. I made contact today, XX/XX/18, with the dispute resolution group at the Department of Education to express my concern, my disapproval, and my feeling of being both the victim of a bait and switch and defrauded, as there was ample opportunity for the website to have been made accurate prior to my payment, and, during the discussions with both groups after payment was made, to tell me if there was an issue. The individual at the Department of Education informed me her system shows over a {$900.00} balance still remaining due. To that end, the Department of Education is sending me a dispute form via snail mail, which will take 7 - 10 days to arrive, that I must then fill out and mail in to another address for processing, however, that will not stop interest from accruing. In my conversation today with the Department of Education I have laid out the requirement that the fees all be waived due to this being a misrepresentation on the website, which is clearly not something I maintain, making this a true bait and switch by this organization, especially since the Department of Education is also being given different, false, fraudulent information by the organization they've chosen to hire.
Product: Credit card or prepaid card

On XXXX submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.
Product: Debt collection

I received a letter dated XX/XX/year> from a collection company called AWA Collections demanding {$1500.00}. I mailed a certified Debt Validation Letter and Cease and Desist request on XX/XX/year>. AWA Collections responded by mailing me an unrelated account belong to someone else name XXXX XXXX resides in XXXX XXXX showing a balance due XXXX. I investigated this company they don't have a debt collection license to do business in California. I don't know this company nor owe any debt to any AWA Collections. They are also not licensed to do debt collection business in California. I would like this company to be investigated for fraudulent debt collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applications were made for credit cards using my information by unknown persons. Applications were made approximately around XX/XX/XXXX - XX/XX/XXXX. The were made at Capital One, XXXX XXXX, XXXX and XXXX. I contacted XXXX XXXX XXXX by XXXX with XXXX and a case was opened. On XXXX their fraud department contacted each company to inform them that the applications were not made by me. A card had been issued by XXXX and was cancelled. The other applications had been declined. 

Also, my XXXX Bank XXXX card had been hacked and charges were made on XX/XX/XXXX. On XX/XX/XXXX I contact XXXX  card services and canceled the card. On XX/XX/XXXX I visited my local branch offices and reported the hack and filed a report. 

On XX/XX/XXXX an unknown person filed a mail forwarding request for our mail to be sent to an address in Georgia. On XX/XX/XXXX I reported this to the XXXX, TN post office. We did not receive our mail until XXXX. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX Tennessee police department.
Product: Money transfer, virtual currency, or money service

Our business received an e-mail from PayPal today, XX/XX/18, stating that after investigation our account has been limited permanently and all funds will be held for 180 days. We are not to do business with them and we are to remove paypal from all of our selling sources. The reason given in the email was that we violated the acceptable use policy. In reading the acceptable use policy again we found that we did not violate any policy as all of our sales come from XXXX and XXXX does not authorize any illegal activity. We called PayPal and spoke with a representative that could not give us a reason as he stated it was above his pay grade as well as his managers pay grade and the people I need to speak with do not answer phone calls but I needed to email XXXX to which I did. I have yet to receive a response as to the reason or the violation we did. Our funds are now being held and we have no reason from PayPal as to why.
Product: Debt collection

I had an account thru XXXX XXXX for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with XXXX  since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to Barclays Bank in XXXX. I have contacted them several times and have been told they cant help me. XXXX and Barclays both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

as far as there reply, document 1, loan was sold and had XXXX XXXX  as payee, partial payments were sent to them with no problem, I started to pay them in XX/XX/XXXX. Home point is not any where listed on that document, and Home point financial is not on of that document ( doc 2 ) closing documents has XXXX XXXX on it not home point finical, doc 3 after their under lined sentence, it states lender may accept any payment or partial payment insuffient to bring the loan current, without waiver without any rights hereunder or predjustice to its right to refuse payments or such partial payments in the future, lender may hold unapplied funds until borrow makes payments to bring the loan current, so you can see all paper work is with XXXX XXXX on it not home point financial, you can see on the attached bank statement starting in XXXX when we refinanced, bi monthly payments were done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX payments to XXXX XXXX, again no where does it say home point financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 

RE : Last XXXX XXXX XXXX To whom it may concern, 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. Experian has violated my rights.

15 U.S.C. 1681 SECTION 602 A states the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.
15 U.S.C. 1681 s-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 information is inaccurate. 


ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX  XXXX  XX/XX/2021 Experian XXXX XXXX  XXXX  XXXX  XX/XX/2021 XXXX
Product: Checking or savings account

Citibank has unlawfully kept {$9500.00} of my money. The most recent attempt to resolve this matter was thru phone with Citibank 's Executive Office on XX/XX/XXXX. They confirmed my checking account had been closed on XX/XX/22 and the balance was {$0.00} at the time of closing. Citibank has been unable to provide an explanation as to the destination of the money or whether this amount is ever going to be repaid to me. 

I opened a checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 was {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank more than XXXX times and spoken to more than XXXX employees in their customer service and fraud departments, and executive office, visited their retail branch, spoken to one of their bankers and the manager at their branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Vehicle loan or lease

I called Santander XX/XX/XXXX/to advised that there was an error made to credit agency where my balance increased by {$410.00} and my 1st payment was due XX/XX/XXXX which was made on time, information about the balance increased was reported around XX/XX/XXXX & XX/XX/XXXX loan amount now XXXX with a 73month installment when my contract balance XXXX for 72 months when I mention to the agent this information and told him my source was XXXX XXXX he advised me that they are a 3rd party source and that I will need to contact credit agency and dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION DELETED ASAP PLEASE ]
Product: Credit card or prepaid card

Debt for home repair on revolving line was recently transferred to XXXX XXXX. We pay monthly payments on the first of every month. When transfered XXXX XXXX ( the new servicer ) was recognizing payments paid on first of month for the previous month and counting the next payment late. We have documented to them in multiple conversations this payment schedule. We 've spoken with them multiple times over the past couple months. The Servicer is XXXX XXXX XXXX XXXX .
Product: Credit card or prepaid card

I have a Visa credit card through my ENT XXXX XXXX issued through Elan Financial Services. I believe it was XX/XX/2022, when I received a notification of a fraud alert. The notification provided a case ID number XXXX and requested a call back at XXXX, a number that was different than any number on my card or on my statement documents. For this reason I was concerned that it might be a scam and did not call the number provided. I attempted to go on line to check for any unauthorized activity on the card only to receive an error message stating to try later or to call if problem continues. I tried to access several more times over the next few days. 

On XX/XX/2022, I attempted to use the card and it was declined. I then called the number provided on my card and was connected to the Fraud Alert Department. The representative was rude and condescending. I advised that since the number left in the message was different than the number on the card I was concerned that it might be a scam since scams are prevalent and I have previously had my identity stolen. She stated that I should know to always call the number on the card. She went on to question charges on the card asking : What is XXXX and why are there a number of transactions to them? 
Here is a charge to XXXX XXXX, did you buy something from XXXX XXXX? 
There is a charge to XXXX, what is XXXX? 

Her tone was aggressive and accusatory. These were not atypical transactions. They were transactions with vendors that I had previously done business with. 

I have had previous fraud alerts with other credit cards and they typically were for purchases that were made out of the area or were for items and amounts that were not typical of my spending pattern. With the nature of this call, the tone of the representative, and considering the transactions being questioned, I am concerned that I am being targeted for transactions that might suggest political views.
Product: Credit reporting or other personal consumer reports

Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ Account Number ], which was discharged and subject to a 1099-C issuance. I never received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, l respectfully request that you promptly remove the debt from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to lexisNexis asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.