23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing erroneous information on my credit file. These accounts are violating my rights under USC 1681. According to Section 604 ( A ) ( 2 ), a consumer reporting agency can not furnish an accounts without my written instructions. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse items of information, other than records of convictions of crimes, that is more than seven years old. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. 

The following accounts/items does not belong to me and was opened without my consent, permission, or authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

To Whom It May Concern : 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. 
XXXX. Chain of XXXX XXXX. Assignment of Contract 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: Debt collection

Capital One, XXXX & XXXX I am very angry! Capital One has lied to me! I settled the debt and paid in full. Before I paid the debt I asked would it be taken off my credit report completely ; they told me yes, and it still was not removed. I have paid my debt and want it removed from my credit report immediately! Because its not removed it is hindering me from obtaining any other credit. Thank you
Product: Debt collection

To whom this may concern. 

I am writing In reference to the bellow letter from RMS dated XX/XX/XXXX. 
This is the second letter I receive from RMS saying I owe you money for a plain ticket from XXXX and XXXX. I would like to inform you that I have already paid off this merchant in full and never disputed the plane ticket. I have emailed XXXX regarding this matter and they confirmed in writing the ticket was paid in full and there has been no dispute as you claim in the letter. Please see bellow email attached from XXXX confirming that the ticket was paid In full. 

RMS has no legal basis on this claim. I am concerned that you have my personal details which clearly I never authorised to provide them to you. You have violated the Data Protection Act of 2018 by sharing my personal information with third parties without my consent. Furthermore I would like you to stop sending me letters saying I owe you money when clearly I dont. 
If you continue to send me letters or emails I will consider this as harassment and will pursue a civil claim against you for fraud, extortion, violating data protection act and harassment. I will be making a report to the consumer financial protection Bureau for fraud against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as the second complaint on TransUnion. On XXXX XXXX I received an email from CFPB stating that TransUnion is still working the issue and to give them 60 days. However, after contacting TransUnion they advised me that it was closed on XXXX XX/XX/2020. Which contradicts the response they provided you. Additionally the name, address, and other vital information is incorrect. I was advised also on XX/XX/2020 that the dispute was actually cancelled which was a technical issued. As per XXXX ( supervisor ).
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been checking my 1 Collection from XXXX XXXX, which appears as " XXXX XXXX XXXX '', and for the past 5 months, Experian.com has shown me a Removal Date of " XX/XX/XXXX ''. I checked my report and now the removal date isn't even showing. I called Experian and now they are trying to tell me it's XX/XX/XXXX and they have no record of it ever saying XX/XX/XXXX. That's a lie!! I've been looking forward to it's removal for a reason!!
Product: Credit card or prepaid card

I applied for a secure credit card with Citibank in the amount of {$200.00}. After receiving the card, I used {$200.00} and when I got the bill I saw the enormous interest rate. I contacted Citibank during the billing cycle and stated I wanted to close my account. They said that it would take 2 billing cycles but as long as I didnt make any additional charges, I would be fine and no additional fees would be applied. Well over the course of 6 months they continued to charge fees which added up to {$220.00}, although I NEVER made another purchase. I tried to no avail through calls, online credit bureau disputes etc, to no avail. in my last call to Citibank I was told that they would come after me for the money it would just remain on my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that is reporting late payments inaccurately.

Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which Violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last 3 months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information? 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reporting duplicate as well ), have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not funrish an account without my written instructions
Product: Bank account or service

On XXXX/XXXX/16, Citibank charged ( and debited my checking account ) a low balance fee and overdraft fee totaling {$59.00} on a savings account with a {$0.00} balance that I requested to be closed. I had requested the account be closed in XXXX or XXXX 2016. I had the same problem on XXXX/XXXX/16 when Citibank charged the same {$59.00} low balance fee and overdraft fee. I was able to get the XXXX fees reimbursed after a long phone call that had to escalate to a manager. No fees should have been charged as I have now requested this account to be closed twice.
Product: Checking or savings account

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

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX & XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX- Account # XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXI # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Created an ad on XXXX XX/XX/XXXX XXXX XXXX  ad presented publicly on the website XX/XX/XXXX - Text message from number XXXX exchanged about the vehicle sale [ see attached ] XX/XX/XXXX - Text messages from number XXXX exchanged about the vehicle cost [ see attached ] XX/XX/XXXX - A USPS priority mail envelope containing a certified XXXX check for $ XXXX delivered to my home address XX/XX/XXXX - Deposited $ XXXX certified XXXX check to my PNC account XX/XX/XXXX - PNC Authorizes a $ XXXX domestic transfer for vehicle transport fee [ see attached XXXX ] XX/XX/XXXX - PNC text notification determines fraudulent $ XXXX check. 

XX/XX/XXXX - Spoke to the Loss/Stolen Card Department representative who froze my account XX/XX/XXXX - Text message received from fraudulent source demanding explanation for stop payment [ see attached text chain ] XX/XX/XXXX - Reported fraud to PNC bank manager and a representative. 
Both confirmed an internal bank investigation and the freezing my account. They suspended my customer services suggested that I report the fraud to the XXXX Police Department. 

XX/XX/XXXX - I filed a police report in XXXX [ see attached ] XX/XX/XXXX - Cancelled my work direct deposit as well as automatic withdrawals with PNC XX/XX/XXXX - Counseled with XXXX in the XXXX XXXX XXXX Department XX/XX/XXXX - XXXX PNC text demands I pay $ XXXX to them [ see attached ] XX/XX/XXXX - XXXX ( in-person ) Counseled with XXXX at the XXXX XXXX NJ XXXX XXXX. She inspected the envelope and shipping label. 
Declares the label a fake. Refers me to the NJ XXXX XXXX XXXX. 

XX/XX/XXXX - XXXX Counseled with XXXX in Consumer Affairs NJ Attorney General 's Office . He recommends a criminal lawyer as bank theft is not consumer related. 
Advises filing with the Federal Trade Commission, Consumer Financial Protection Bureau and the NJ Department of Banking and Insurance. 

XX/XX/XXXX - XXXX Called and counseled with NJ XXXX XXXX XXXX XXXX 
Counselor recommends return to bank. That, as the envelope was most likely not officially mailed, the fraud issue lies with the bank. 

XX/XX/XXXX - XXXX Called and counseled with XXXX in the Consumer Financial Protection Bureau XXXX Told me to file a complaint on-line with her office and to file with the police. That the FBI should be notified. Report where the fake certified check came from with the Federal Trade Commission. 

XX/XX/XXXX - XXXX Called and counseled with Consumer Support at XXXX. They request screenshots and emails from the fraudulent buyer so that they can block /discontinue the false activity from their end XX/XX/XXXX - XXXX Updated Police Report to file # XXXX with XXXXXXXX XXXX on at the XXXX Police Department XX/XX/XXXX - XXXX XXXX. XXXX from XXXX Police Dept. 
leaves a voice message on my number requesting follow-up XX/XX/XXXX - PNC correspondence postmarked XX/XX/XXXX, & XXXX, XXXX delivered to my home address [ see attached ]
Product: Credit reporting or other personal consumer reports

I have paid the amount of {$170.00} on XX/XX/year>, before Affirm could send my debt to several debt collectors. 

Affirm Inc has violated my rights by selling my information to several debt collectors. I was told if I paid off the loan XXXX that it will not be sent to collections. I paid it off and the company Affirm Inc illegally sold my information to debt collectors XXXX XXXX and 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. I do not feel safe giving this company any more of my payment information. Due to them selling my information and violating my rights.
Product: Money transfer, virtual currency, or money service

This is with Citi Bank, I am trying to send a international wire transfer to pay for some stock options through my company. I have verified the wire information through my company but Citi will not allow the wire transfer to go through due to they think it is fraud. I have called and spoke with several people but there is no help to resolve the issue. It makes no sense after I verified the recipient.
Product: Money transfer, virtual currency, or money service

Good day, i was approached by a trader everything looked legit, i had to pay {$21000.00} for fees on this transaction to withdrawal and it could not be done so it was paid into the traders bank account and now the bank wont release it after i paid for the the transaction which I don't think is my responsibility and the trader now wants even more money so that the bank. can release it. 

Lead Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a consumer credit card with Wells Fargo. In the XX/XX/2020 credit card statement Wells Fargo sent me, it include one page with two of checks on it saying 0 % Promotional APR for 15 months with a fee of 4 %. ( see attachment Wells Fargo Promo ) I used one of the checks ( # XXXX see attachment hu check ) and deposited {$11000.00} to my checking account at XXXX. 

On my XX/XX/2020 Wells Fargo credit card statement, I found out they did not honor that 0 % promotion balance transfer offer ( see attachment for XX/XX/2020 statement ). I was charged {$100.00} interest. They are charging me 15.49 % interest on the {$11000.00}. 

I called Wells Fargo three times, the first 2 times representatives told me I used a cash advance check. But even in the credit card statement they sent me the balance is in balance transfer category. And on the check that I used, it says Balance Transfer Promotion not valid after XX/XX/2020. They told me to wait because they need to ask their supervisor. The last time I called Wells Fargo, the representative hanged up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. TRANSWORLD SYSTEMS INC Reported :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit that i did not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX XXXX XXXX XXXX. There are also some inquiries that are not mine. XXXX  XXXX/XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.