23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

So on XX/XX/2022 my bank account was charged {$30.00} on a supposed XXXX to Fortiva. AS per my previous complaints I paid off this credit card... they claimed payments were reversed by my bank which they were not. Previous to this date I had pulled my permission to charge my account for any reason via a telephone call on at least two occasions in the previous week... .I was told my account was closed over a year previous after I had made payments again totalling approx {$380.00} thus having made these payments twice. Now over a year later they are claiming these same payments were reversed again.. I'm not playing this game anymore!. So on XX/XX/2022 I get a letter seemingly to appear an account was opened in my name by this company to start charging again late fees and interest... this again was without my consent ... .I paid off this account ... funny how I am 100 % on time for every other bill and credit card I have except these people... I demand an investigation of their computer system I believe it's buggy and faulty. I am not the only person who has had this issue with their app and card... read the reviews
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still multiple inquiries noted on my credit report that I have not authorized. As I stated before I have been sending letters over one year. I appreciate the corrections for names and addresses but there are still several issues that I would like to have addressed. According to 15 US Code 5 1682b and 15 US code C 1682 sect 604A you are violating my rights to privacy and furnishing my information without authorization. I am respectfully asking for a thorough review of these inquiries. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XXXX  XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security number was mixed with another persons account which affected my credit score I requested time after time who made that mistake or error I was never given that information.
Product: Checking or savings account

On XX/XX/2020, I closed my Bank of America Checking & Savings Accounts that I opened that week. ( see attachments ) Today XX/XX/2020, I received a bank statement from them as if my bank account is still open. I had already contacted them prior to XXXX ending and verified by phone with a customer service representative in XXXX or XXXX XXXX that my account was closed and no other accounts or credit cards, loans existed. 
I need your ( CFPB ) assistance in assuring that they've not reopened my closed account to attain any services mentioned ( loans, credit cards, business/investment accounts, stocks, healthcare, savings, bonds, etc. ) by using my name and/or social security number. ( See attachments ) FYI : Please be advised that I am not a retired military veteran/spouse or dependant of any such members by these years of my life. I am unsure why your system won't allow me to remove. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Capital One in XX/XX/XXXX to have them report a credit card in good standing that was not listed on a credit report. I mentioned that I was XXXX from bankruptcy in XX/XX/XXXX but this account was not included in my bankruptcy and should remain open and therefore appear on my credit report. Capital One muisunderstood and contacted all credit bureaus and asked them to remove the account from the credit report. This is opposite of what I wanted. This also closed my credit card which is not what I wanted. 

In XX/XX/XXXX, I contacted Capital One to request that they report a credit card in good standing that was missing from my credit report. I explained that I was XXXX from bankruptcy on XXXX, but this credit card account was not included in the bankruptcy and remained open. Unfortunately, Capital One misunderstood my request and instructed all credit bureaus to remove the account from my credit report, which is the opposite of what I wanted. As a result, my credit card was also closed, which was not my intention.
Product: Credit reporting, credit repair services, or other personal consumer reports

PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with XXXX XXXX. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that XXXX XXXX has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with XXXX XXXX. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that XXXX XXXX takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

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

I have reported the fraudulent account with XXXX to the FTC and have attached the report to this complaint. I have also alerted XXXX that the account was the result of fraudulent activity. Experian is currently investigating this, however, pursuant of the Victim of Identity Theft clause of the FCRA ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I demand Experian block this fraudulent account from my credit file within the next 4 days. Experian is not handling this dispute properly and it is costing me a great deal of money. If left uncorrected, I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account  # XXXX, XXXX XXXX XXXX account # XXXXXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

My card was authorized {$56.00} by XXXX for a home delivery order. They always authorize more than the amount of the order in case there are substitutions. The actual charge was put through on the samei authorization of {$56.00} but the actual charge ended up being only $ XXXX they are holding the {$56.00} and have collected the {$43.00} on top of that XXXX XXXX sent me a notice sayig the actual charge was updated from XXXX to {$42.00}. I have the transactions on my account for both amounts and they are talking to me about disputes and {$12.00} charges from XXXX that don't exist. They tell me the auth will fall off but it should have been resolved when XXXX put the charge through on the original authorization. Their cusstomer service is terrible with canned responses and no help.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation proce
ss and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by Avant.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has share information with XXXX without my consent.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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
Product: Debt collection

Subject : Dispute with XXXX XXXX XXXX on XX/XX/XXXX for XXXX water heater which is under 9 years warranty with 4 years in use Dear CFPB Agent : I would like to file a complaint against XXXX XXXX XXXX ( XXXX ) for not fixing my water heater correctly. On XX/XX/XXXX ( XXXX. ), I requested a service repair from XXXX to repair my XXXX water heater ( under 9 years warranty ) for no hot water. After 6 days, the XXXX service technician came to my house for the repair service on XX/XX/XXXX ( Wed, ). The service technician replaced a PC board. The water heater seemed to be working. The pilot light was on and the flame was on. I gave him {$180.00} by check ( Check # XXXX ) in full for the repair service. In the evening, we found out that we had no hot water again. I called XXXX again on the next day XX/XX/XXXX ( Thurs ) to fix the problem immediately because we had no hot water to use for a week already. We had paid the money on XX/XX/XXXX and the problem should have been fixed on the day the check made out. XXXX refused to come back. They rescheduled me on XX/XX/XXXX ( another 9 days ) and then XX/XX/XXXX ( another 5 days ). We could not have not hot water to take shower for two weeks. I told them to give me the full credit if XXXX could not fix the problem on XX/XX/XXXX so that I can buy a new water heater instead. XXXX put me in the circle to make several phone calls around without solving the problems. Therefore, I went to stopped the check payment to XXXX immediately and then replace the new heater heater immediately. I have been calling XXXX since then in an attempt to solve the issue. They are still putting me around the telephone circle without solving the problem. Now, XXXX had put me in the collection agent for collecting {$180.00} without fixing the water heater problem. I am now writing this letter requesting CFPB to help resolve this issue for me. Your time and effort will be greatly appreciated. I can be reached at XXXX XXXX ( H ) or XXXX XXXX ( C ). Sincerely, XXXX XXXX
Product: Debt collection

SANTANDER CONSUMER USA account number : XXXX date opened : XX/XX/XXXX past due amount : {$17000.00} U S DEPT OF ED/XXXX account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$9400.00} U S DEPT OF ED/XXXX  account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$4100.00}
Product: Credit reporting or other personal consumer reports

Im devastated after seeing inaccurate accounts on my credit report this morning. Ive always been diligent about monitoring it, and now Im faced with something I dont know how to handle. I refreshed my browser, praying it was just a glitch, but the issue remains. Im desperately asking you to go over the documents I sent to make sure this nightmare is resolved.
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 

XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$0.00} XXXX XXXX # XXXX XXXX BALANCE {$620.00} XXXX XXXXXXXX XXXX XXXX # XXXX -DATE XXXX BALANCE {$0.00} WFC # XXXX -DATE XXXX - BALANCE {$0.00} XXXXXXXX XXXX XXXXXXXX -DATE XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX -DATE XXXX - BALANCE {$6200.00} XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$2500.00} XXXX XXXX XXXX -DATE XXXX BALANCE {$3300.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$470.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXX OPENED XXXX BALANCE {$400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

the lease car  E350 2012 Mercedes Benz  was returned on time after lease was over want me to pay the balance. I want to returned the car not to refinanced or pay off.
Product: Debt collection

Back in XXXX of XX/XX/2019 there were 5 cases opened on my PayPal and there was a negative balance placed on my account. The party that has been trying to get this resolved ( XXXX PayPal account ) contacted XX/XX/XXXXand PayPal to see why the charges were returned. XXXX XX/XX/XXXXstated that the account was flagged in fraud and PayPal reversed the charges causing the negative balance. XXXX XXXX ( XXXX ) stated the account should have never been flagged for fraud because the charges were valid, the only thing that should have been flagged for fraud were the security charges for the credit card she never signed up for. XXXX XX/XX/XXXXrefused to put the charges back on the account and to contact PayPal to have the negative charges removed. PayPal refuses to remove the charges as well. I have proof that the other party has sent in complaints to get this fixed. This balance is not mine and I do not claim it. I want this removed from my account before a harassment suite is filed, attached are the different phone numbers PayPal contacts from and the proof that the charges should have been removed in XXXX because I have buyers protection. My PayPal account ( XXXX ) does not owe this balance and I am not responsible for these charges. I want the harassing calls and emails to cease. Trying to collect on a balance that is not owed by the party is illegal. PayPal has breached the law, and a harassment suite will be filed if these charges are not removed immediately.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly invesitgate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request CFPB take action to ensure XXXX complies with the necessary proof of investigation.
Product: Credit card or prepaid card

Received PayPal Credit Statement by USPS Certified Mail ( actually 2 separate mailings of the exact same statement ) on XX/XX/XXXX for payment due on XX/XX/XXXX. I never opened a PayPal credit card thru Synchrony Bank, XXXX XXXX XXXX, XXXX, Florida XXXX. Balance of {$5000.00} for deposits in XXXX, XXXX, XXXX, transfers to XXXX unknowns, XXXX gift cards, XXXX charges dated XX/XX/XXXX - XX/XX/XXXX. I went on line for legitimate phone numbers for Synchrony and the automated system did not acknowledge the account number on the statement but referred me to get correct number to call for the credit card that I do not have. Also the duplicate statements received are not aligned properly, with wording running off the edge of the statement, which tells me this is fraudulent. 
I use PayPal for on line purchases and pay thru my checking or existing credit card and always received a confirmation email from PayPal. 
I will appreciate if you can sort out this Issue for me. 

Thank you XXXX XXXX