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

CAVALRY PORTFOLIO SERVICE # XXXX Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XXXX 2019 ''. 

Above named company can not report two different reports and inaccurate remarks to credit bureaus.
Product: Credit card or prepaid card

Initial application for XXXX XXXX XXXX card filed on XX/XX/18. 

Message received on XX/XX/XXXX to contact issuer for additional data. Spoke to Barclays on XX/XX/XXXX and was told that the credit report freeze I had placed with XXXX would need to be lifted for the card application move forward. 

Contacted credity agency and had freeze lifted and credit report was received by the card agency. 

Was then referred to their identification component as the freeze would now require me to submit additional identification proof. I was instructed to send them a copy of my driver 's license as well as a copy, front and and back, of my Social Security card. I agreed to the D/L copy but would not agree to photocopy my SSN card as doing so is in direct contradiction of current Social Security Administration guidance as noted in POMS RM XXXX and asked for an alternative document that could be used. 

The response was that there are no alternatives and that refusing to supply the data would result in a denial of my application. 

Requiring the submission of a copy of a document that the issuing agency suggest should never be photocopied is inappropriate. Either agency instructions should be altered or the credit card company should be required to provide applicants who wish to follow agency guidance with alternative. 

The tracking number for my applcation with Barclays is XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

On XX/XX/2020, I sent a letter to Experian explaining that I never gave them written consent to report anything on my consumer report which I never have nor can they provide any record of me doing so nor have they responded, therefore under 15 U.S. Code 1681b, this is deemed as identity fraud considering I've never given them any written consent to report anything on my consumer report. They are also reporting false and misleading information which is harming me and my reputation as a consumer. Not only are they reporting false information, but they also have social security numbers associated with my consumer report that don't belong to me.
Product: Checking or savings account

Beginning in XX/XX/XXXX I reported to Bank of America multiple recurring fraudulent charges to my checking account dating back to XX/XX/XXXX. I made at least 7 phone calls to BoA. I provided all requested information on the phone. Multiple claims were opened. Some were approved and I was reimbursed for those. The following were denied. XXXX {$69.00} denied XXXX XX/XX/XXXX, XXXX {$190.00} denied XXXX XX/XX/XXXX, XXXX {$61.00} of {$140.00} denied XXXX XX/XX/XXXX. The charges were under XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I did not make these purchases. My debit card was with me at all times and no one else is authorized to use my account. Yet BoA states " The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. '' This is a lie. I contacted the vendors, who confirmed it was fraud. I placed a Fraud Alert on my credit report with all 3 bureaus on XXXX XX/XX/XXXX. I placed an FTC Identity Theft Report on XXXX XX/XX/XXXX ( XXXX ). I placed a police report with my local police department on XXXX XX/XX/XXXX ( XXXX ). Bank of America refuses to work with me, doesn't call me back, doesn't help at a local branch, and has now withdrawn over {$240.00} from my checking account and will take another {$61.00} on XXXX XX/XX/XXXX. Please help.
Product: Vehicle loan or lease

I had a XXXX altima XXXX that was totaled in XXXX and was paid off with wells fargo and never received difference for the gap insurance. 
And why I am I not part of the lawsuit with wells fargo. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express has a feature called " Amex Send & Split '' that allows you to send money to friends and family. 

On XX/XX/2021, I transferred {$2000.00} to my Amex Send account in order to send it to one of my friends via XXXX, but he wasn't available at the time. 

I returned the money to the card and waited a few days, but the money never arrived. 

I have activity transfer proof that I returned the money and every proof that the money was sent and returned to the card. American Express acknowledged the issue and opened a couple of tickets, but they were never resolved. Every day I call and I get no resolution. 

They promise to call me back, but no one does. 

Kindly help me!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I noticed unauthorized inquiries, inaccurate names, and an inaccurate address on my consumer reports with the 3 National Consumer Reporting Agencies. I did not initiate or authorize any of the information to be on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection was previously disputed with the CFPB and removed from my report in the past. The company, XXXX, has now re-assigned this account to another collection agency and re-aged the debt. The debt was initially removed because the account was being reported twice. The account was re-add and a letter advising me that it was being re-added was never sent to me ( my first CFPB complaint that resulted in a removal of the account ). XXXX has now given the account to AFNI and re-added the remarks to my report with a start date of XX/XX/2018 for an account that was closed more than 3 years ago. A letter stating that the account was being added was not received. 

XXXX continually reassigns and re-age debts. The previous response from the previous collector has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX by XXXX Mail # XXXX XXXX XXXX XXXX XXXX TransUnion was notified the creditors in question had not replied with a validation response. 
Again on XX/XX/XXXX by Certified Mail XXXX XXXX XXXX XXXX XXXX TransUnion was requested to provide the reporting documentation as required by Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) TransUnion It has been over 45 days You Have Failed to Provide the required documentation according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are in default of federal law to verify - through the physical verification of the original signed consumer contract - and provide me the Consumer your verified proof of the accounts in question you posted on a credit report. 
TransUnion you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
As per Federal Law under the Fair Credit Reporting Act TRANSUNION is Required to send the following information TRANSUNION used to verify the validity of accounts listed below XXXX Bank, # XXXX, No Contract, No Mortgage XXXX XXXX XXXX, # XXXX, No Contract The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( XXXX ) you verified the disputed information with The certified documentation in possession used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation. 

TransUnion it has been well over the time limit set by the Fair Credit Reporting Act to provide me with the Proof required under this Federal Law. 
This is your Notice of default. I requested the following information & verified proof XXXX received from the Listed accounts.. to date you have responded with no Proof. or documents only your standard chain letters.. this is in violation of federal law and fines will be imposed. 
TransUnion was Notified of the information and facts on XX/XX/XXXX XXXX and still has not produced the required information by XXXX law. The law is very precise on what XXXX said is to happen TransUnion is in violation of this XXXX of XXXX and should be accessed fines as outlined in the Law for fraudulent credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times and provided all documentation to prove that I have not been with them. They transferred it to Jefferson capital who I went through the same thing provided all information and they said they will remove it but accounting to credit bureaus they have never received request from Jefferson capital
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised, and the accounts and inquiries are fraudulent. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. US DEPARTMENT OF EDU - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - {$140.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Capital One offered me to participate in a 90 day hardship program which didnt require me to make payments for 3 months. However I continued to receive calls about my payments being late. Capital One reviewed my case and found an error in the phone call describing the program. Although they found errors in the call with the representative, confirmed I received incorrect information, and updated my payment amountthey would not remove late payments on my credit report. Ive has this card 16 years and would not intentionally pay late if I didnt believe I was in a program that allowed me to skip payments for a period of time.
Product: Credit reporting or other personal consumer reports

I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to Dovenmule. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that Dovenmule rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.
Product: Credit reporting or other personal consumer reports

What happened : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Credit accounts such as XX/XX/XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date open XXXX/XXXX/2020 Amount {$1300.00} Experian. 

This account is incorrect and without authorized. After investigating the other two credit company have been deleted this account. But unfortunately Experian has no action with it after I called twice to dispute it.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Dear United Auto Credit I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit card

I submitted 5 online disputes to reverse a charge with Goldman Sachs Apple Card with the last call on XX/XX/XXXX for a XX/XX/2023 transaction with XXXX for {$1200.00}. On that day I purchased two items from XXXX that were properly identified as separate transactions for two different vendors with a reference number and description paid by my XXXX XXXX card. There is no record of the {$1200.00} on XXXX and I cant file a complaint on XXXX. I have asked Goldman Sachs to trace the charge back to XXXX to identify the vendor to determine legitimacy because it is fraud but they wont. I suspect the problem may be related to Apple making Goldman Sachs the default credit card overriding my XXXX XXXX card. I had to go to the system app on my XXXX to designate my XXXX as the default credit card. Apple is directing a lot of business to Goldman Sachs and I did not apply for the card like I did with my other credit card.
Product: Bank account or service

td bank checking account number # XXXX on XX/XX/2016 two transactions as follow : 1. ) XXXX {$89.00} 2. ) XXXX {$XXXX} caused a total of {$85.00} dollars in two seperate overdraft fees and one monthly account maintence fees, these companies had no authorization to charge my account and they recently cancelled both transactions and refunded all funds which these fees originated from. td bank refuses to allow me to file claim disputes over the phone because they claim they can not verify my identy. i live on the military base in XXXX ( XXXX ) texas and their is no td banks in the state of texas. i should not be responsible for these fees as it were not my neglengence
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i got a notification from paypal that my account is access is limited and told me to submit 3 things, National Id, Provide Proof of id address and provide information on account activity which i did provide. Since i have no National id yet because of another lockdown here in the PH because of covid, i provided my birth certificate, which also has my current adress in it. On XX/XX/XXXX i recieved another notification that my account is banned from paypal but i can still use it and they would email me. That's all i know for now
Product: Debt collection

Dear Carvant Financial LLC, I am writing to formally address the insufficient response I have received regarding my request for complete and accurate verification of the debt associated with my account. While you have sent a copy of the contract containing my signature, this alone does not satisfy my request for comprehensive documentation to verify the debts accuracy. 

Specifically, I have requested the following additional documents to ensure the accuracy and legitimacy of this matter : 1. A copy of the IRS Form 1099-C ( if the debt has been charged off or forgiven ).

2. Any and all supporting documents or account statements that verify the current balance, payments made, and any charges applied.

3. A clear explanation or breakdown of the debts origin, including itemized details of how the balance was calculated. 

As the original creditor, you are obligated to provide me with all relevant documentation to ensure the accuracy of your records. Sending only the contract with my signature does not constitute proper verification, and your continued failure to provide the requested information is unacceptable. 

I have sent multiple requests for different documents, and I have proof of each submission. However, each time, I have received the same inadequate response. Your repeated failure to provide the requested documentation demonstrates a lack of good faith and non-compliance with my rights as a consumer. 

Additionally, I have noticed duplicate messages submitted by you through the Consumer Financial Protection Bureau ( CFPB ), falsely claiming that I have sent duplicate disputes. This is categorically untrue and further raises concerns about your handling of this matter. 

If you fail to comply with this request within 30 days, I will take the following actions : 1. Pursue legal action against Carvant Financial LLC for non-compliance with federal and state laws.

2. Submit a non-compliance report to the appropriate state Department of Motor Vehicles ( DMV ) if this debt is not removed.

This letter serves as a formal record of your non-compliance and my intent to escalate this matter if it is not resolved promptly. I urge you to provide all requested documents immediately to avoid further action. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2018 I reported my card missing and the attached charges were made fraudulently. Usaa platinum susequently reversed the charges and all interest charged. A few months later they put the charges back along with interest.They explained whoever had card did it with PIN number. This was not me or anybody I know. I have asked them numerous time to reconsider and this matter has fallen on deft ears,