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

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of which are fradudlent. 
My XXXX  credit report is still reporting 5 XXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my Equifax credit report is still reporting 2 XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Other financial service

I deposited traveler checks at Bank of America XXXX, PA XXXX on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still do not have the money for the checks. 

When I followed up XX/XX/XXXX, I was told by the teller that they will take up to 30 days to process though when I deposited them was told only 2-3 days. 

My next followup a few days later I was told they could not find the checks and they were. Next, they were just going to take 20 days to clear. Then they did n't know what happened. Now they ca n't find them though I have the despot receipt and no money showing in his account for the checks. 

They told me I had to contact XXXX ( who supplied the checks ) when I did not purchase the checks, the checks were given to me in form of payment. 

I still can not get a straight answer. I hear the same excuse over and over again. The manager I am unable to contact via phone though she gave me her number. I have lost pay for all the times I had to go into work late in order to resolve this issue. 

Why do I not have my money after 6 months?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Re : Account number : # XXXX I am writing in response to your recent communication regarding the alleged debt you claim I owe. While I acknowledge receipt of your response, it utterly fails to address my previous request for the contractual agreement between your company and myself. This is not merely a formality ; it is my right as a consumer to understand the legitimacy of any claims made against me. 
Furthermore, the transfer and sale of consumer information without consent are also governed by the XXXX XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 6801, financial institutions must provide consumers with notice and an opportunity to opt-out before sharing personal financial information with third parties. I was unaware of any opt-in or opt-out services that would allow you to share my information, and you have failed to provide me with that information as required. 
Additionally, it is important to note that you are attempting to collect on a debt that the original creditor has already written off, which raises serious legal questions about your authority to pursue this debt. According to the IRS guidelines ( specifically, IRS Publication 535 ), a debt that has been charged off means the creditor has deemed it uncollectible and has claimed a tax deduction. Under 15 U.S.C. 1692a ( 5 ), a debt collector can not collect on a debt that they do not own, and if the original creditor has already been compensated for this debt through a tax write-off, it is not a valid debt for collection. 
Given these violations, I demand the immediate deletion of this account from your records and all credit reporting agencies. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights. 

Kind Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an e-mail from XXXX, XXXX. They had charged my credit card for 1 yr. renewal ( XXXX ), which I did not approve. I used their service to fix my computers during the pandemic when it was impossible to get a technician to come to my home They wanted to use a wire transfer I agreed. They said that they would send {$140.00} that day and the balance the next day which was so suspicious I filled out the form from XXXX XXXX XXXX, which had their parent company name and bank information. As I typed one number, they called instantly & said they had made a huge typographical error. There were an additional 2 zeros which made the transaction to be {$140000.00} instead of {$140.00} I checked my business bank account online. There was {$140000.00} which did not belong to me. I did not check any other account. 
They wanted me to wire money in 2 transactions. On XX/XX/XXXX. they would pay the {$50.00} wire fee. I told XXXX XXXX the banks were closed. On XX/XX/XXXX Friday, I went to the bank and wired {$90000.00}. with their bank info. XXXX called and said It was being monitored by XXXX XXXX. They wanted offline to fix the errors they created. Sunday morning, I went to my computer and ALL OF TH MONEY WAS MISSING FROM ANOTHER ACCOUNT {$140.00} which I am a cosigner with my older brother. The balance of the money that they stole from me was never returned. {$90.00}. XXXX  XXXX told me on Sunday morning that they would release the {$90000.00} and send it back to me as soon as I sent back the of {$49000.00}, to them. The branch manager at CHASE told me the {$140000.00} WAS NEVER deposited into my joint checking account. XXXX XXXX created Screen Shots for all transactions so I would believe the money that was theirs and had to be returned ( {$900000.00} ) They wanted me to wire to their XXXX XXXX checking accounts. The XXXX XXXX remains in my account TOTAL was stolen XXXX ( This was my brothers life savings which I must replace. They left {$49000.00} No one at the bank questioned me at all. I was surprised because I had never made a bank transfer before in all the 10+ years I have banked with CHASE I called CHASE BANK FRAUD the next morning. The first young woman ; she had no idea what to do or who to call. The Second woman XXXX. Listened to me. She submitted a report to send to your Compliance or Fraud department. She told me she had no power to take any action but to pass on my report. Report # XXXX It is 4 weeks and I have not heard from anyone. My banker at CHASE told me the claim was rejected because I started the transfer. 
I NEVER GAVE ANYONE MY PASSWORDS AND WIRE TRANSFERS ARE DONE AUTOMATICALLY. HOW DID THEY GET INTO MY BROTHERS ACCOUNT AND STEAL XXXX I HAVE XXXX XXXX BANK ACCOUNTS, ,ADDRESS, E-MAILS AND TELEPHONE NUMBERS, CHASE WAS NOT INTERESTED IN ANY OF THIS INFORMATION
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE EQUIFAX REFUSES THE REMOVE THE FRADULENT ACCOUNT FROM MY REPORT. ALSO NOT DOING ANY PROPER INVESTIGATION. I AM A UNITED STATES LAW ABOIDING CITIZEN AND I DON WANT TO BELIVE I AM LIVING IN A COUNTRY WHERE NOW RICH POWERFUL COMPANIES CAN DISOBEY THE LAW AND DO WHAT THEY WANT, I AM A TAXPAYER AND ASKING FOR A GOVERNMENT HELP TO DEAL WITH EQUIFAX ( MONSTER ). THERE IS ONE FRADULENT ACCOUNT THAT EQUIFAX IS REPORTING WITHOUT ANY EVIDANCE. 

EQUIFAX CREDIT REPORTING AGENCY
Product: Credit reporting or other personal consumer reports

the following inquiries were not made by me, I suspect a car salesman stole my identity and applied to companies without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt has already been removed from my credit report because it is outside the statue of limitations. The debt is 8 years old and in my state can not be collected. The original debt was {$200.00} and this company is sending me a bill for {$1100.00}.
Product: Credit card

The date of the first delinquency that they/you have does not match the date that I have, under 15 USC 1681 BE, you must provide maximum possible accuracy and I am taking into consideration that the CFBP is suing you as well, Im also requesting full disclosure of the XXXX of my profile. 
Plus charges on interest on late payments are outrageous and on this economy is almost impossible to keep up even when you are good making your payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX XXXX to in XXXX XXXX XXXX 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 a XXXX Was unfair and deceptive, as they XXXX XXXX XXXX XXXXXXXX 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 redress
Product: Credit card or prepaid card

I was at a jewelry store ( XXXX XXXX in XXXX, CT ) in XXXX 2017 to look at engagement rings. The employee offered to check to see how much credit I would qualify for as it was 13 months of 0 % interest. I agreed to get it checked. They came back with a $ XXXX limit. I said i did not want to open a card at that time as I was still looking at different stores and ring options. Later that month I get a notification that a card has been opened with a $ XXXX limit. 

I called the store and they would not help and said I should contact Wells Fargo who is the " servicer ''. I called them and they opened a ticket to look into the situation. Nothing came of this investigation and they kept the card open.
Product: Debt collection

Northstar Location Services , LLC is charging me {$800.00} for my XXXX XXXX XXXXXXXX Credit Card debt.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Follow-Up on VyStar Credit Union Complaint Legal Action Pending for Fraud and Credit Reporting Errors Dear Consumer Financial Protection Bureau XXXX CFPB ), This letter serves as an escalation and clarification regarding my previous complaint ( Case Number XXXX ) filed on XX/XX/year> concerning fraudulent activity and erroneous credit reporting by VyStar Credit Union. I would like to emphasize that this is not a duplicate complaint, but a continuation of unresolved issues that require immediate action from both VyStar and your office. 

XXXX XXXX # XXXX. 

VyStars Inadequate Response and Failure to Address Fraud : On XX/XX/year>, VyStar Credit Union responded by asking for additional documentation, including a second form of government-issued ID. However, they failed to address the fraudulent activity on my account, despite my submitting both an FTC Identity Theft Report and an official police report. VyStar 's response continues to ignore the core issuethat my account was compromised through identity theft, which has led to fraudulent reporting across all major credit bureaus, including XXXX, XXXX, and XXXX, as well as third-party agencies like XXXX. 
Ongoing Financial and Personal Harm : The continued erroneous reporting has caused me to lose a {$480000.00} mortgage approval, leaving my family displaced from our home. As a result, we were forced to move into an extended-stay hotel and uproot my children from their school district. This has caused severe emotional XXXX  and disrupted my children 's education, further compounding the negative impact on my family. 
Request for Immediate Resolution : I am demanding that VyStar Credit Union remove all fraudulent entries from my credit report within 14 days and provide written proof that these errors have been corrected. If this issue is not resolved to my satisfaction within this time frame, I will be proceeding with legal action. 

Legal Action : I have consulted XXXX XXXX XXXX, and they are prepared to take legal action on my behalf, including suing VyStar Credit Union for {$480000.00} in damages resulting from the loss of my home loan, the disturbance to my children 's education, and the emotional and financial hardship caused by VyStar 's failure to address this matter. 

I trust that the CFPB will assist in expediting this process to ensure that VyStar takes immediate action. If this matter is not resolved within 14 days, I will proceed with filing a lawsuit for damages, including punitive damages, as well as legal fees for the XXXX  and harm caused by their negligence. 

Thank you for your attention to this urgent matter. I look forward to receiving confirmation from both VyStar and the CFPB that the issue has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : XXXX
Product: Debt collection

I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank recently acquired PAYPAL and have started reporting all accounts to the credit bureau. I had NO idea this was going to take place, and their reporting drop my credit score 61 points. I went from XXXX to XXXX, from Excellent Credit, that I work tirelessly to maintain to the status of Good credit. It was literally reported two weeks ago and reflects on my credit ( positively ) since XX/XX/2019, and it was like it was retroactive. 

I called PayPay, who directed me to PayPal Credit, who led me to PayPal again, then to Synchrony Bank. At that point, I was told that a letter was mailed to me in XXXX, which I never received. I requested a copy of the " letter '' sent and have yet to receive it.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 EQUIFAX 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: Mortgage

My mortgage was purchased by BSI financial and i was granted access to their payment portal. I set my payments up to be bi-weekly and the amount was to cover the entirety of each month 's payments every 2 weeks. I initially added {$250.00} per payment in additional principal. This change apparently caused BSI to suspend my account and when no regular bi-weekly payments were deducted from my account in the month of my I logged in and found my account was suspended and marked delinquent. I made an inquiry through their customer care portal and was told that I had suspended the account. That is not possible to do unless 5 days written notice is given according to their policy. No such suspension letter was sent. I spoke with a XXXX XXXX who told me he would handle the matter. I was then informed BSI can not process biweekly payments in the full amount of a monthly payment and can only take a 1/2 payment. This has been proven untrue as they did take the correct amounts in the month of XXXX. Since this has occurred I have been passed off to XXXX XXXX who told me she would personally oversee the account. She agreed to retroactively credit the appropriate amount to the missed payments due to their error, but in so doing did not apply the amounts correctly or offer any explanation. When this was brought to her attention she informed me she would look into the matter. On XXXX 3 payments of {$1400.00} were deducted from my savings account and placed in an UNAPPLIED Status. After receiving 5 letters from BSI stating they would process my payments bi-weekly in the full amount of {$1200.00} and apply the first payment to principal interest, and escrow and the 2nd payment to principal reduction. On XX/XX/17 they deducted {$710.00} and it is sitting in UNAPPLIES. I can make no sense of the LOAN History which I am attaching for your review along with the letters. Upon written inquiry to XXXX XXXX I was instructed after 9 days of no activity to correct my problem that my account was being transferred to the complaint department. I have written bth Miss  XXXX and XXXX XXXX Senior Counsel Letters to try and get this corrected and am getting nowhere with this company.
Product: Money transfer, virtual currency, or money service

Every time Im having an issue with my cash app or In need of a refund from a scam like XXXX XXXX provided services I never get the help I need and its getting out of hand
Product: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with SELF FINANCIAL, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Product: Credit reporting or other personal consumer reports

I reported the Credit Acceptance account as inaccurately reporting as closed on my credit report with an unpaid balance. When I called Credit Acceptance they stated the account is open and active but refused to disclose information with me and gave me a thirds party to contact and when I contacted the thirds party I was told that they will not give me any information. This is unfair.
Product: Money transfer, virtual currency, or money service

Last week, I transferred XXXX XXXX  from my private account to my Coinbase account. All went well. I then transferred XXXX XXXX ( {$6000.00} ) from same private account to my XXXX account and it never came through. I checked and rechecked the addresses. The receipt shows that it was indeed received and processed by the Coinbase servers. I contacted customer service and received an automated response stating the issue would be resolved in 3-5 business days. 
I have reached out to Coinbase customer service over a dozen times with no success. 
Case # XXXX