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

HELLO HI HELLO HI XXXX HUMAN

			 
 
 
CEASE AND DESIST OF REPORTING FRAUD ACCT XXXX
 
	
MUST BE REVIEWED BY A HUMAN HUMAN NAMUH XXXX CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE XXXX XXXX 18 USC 214,18 USC   1348, [GAAP] VIOLATION, 18 USC 1028 XXXX XXXX XXXX GRANTOR/ORIGINAL CREDITOR/BENEFICIARY/PLAINTIFF: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN-XXXX
 DEFENDANTS/VIOLATORS: TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TO WHOM: IT MAY CONCERN ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a (2) | DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ:: ATTN: XXXX  TRANSUNION XXXX ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a (2) | DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST FRAUD PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ: XXXX XXXX XXXX XXXXPLEASE REMOVE THESE UNAUTHORIZED FRAUDS ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF {GAAP) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO XXXX XXXX XXXX XXXX thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. | HAVE FILED A POLICE REPORT CASE XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS XXXX  . IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my credit report that I did not authorized and have notified XXXX, XXXX  and TransUnion that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.
Product: Credit reporting or other personal consumer reports

I have disputed this account because it is not mine. XXXXXXXX XXXX card account # XXXX It is not my account and has never been my account, the address on the account will verify it does not belong to me.
Product: Credit card

I am filing a complaint against CitiCards ( credit card division ) and Citibank ( corporate ) regarding their unreasonable and unfair retention of my bank accounts in their reward redemption direct deposit options. Citi refuses to allow me to remove any linked bank account, despite no longer wanting them stored. 

On XX/XX/year>, I contacted Citi to request the removal of all bank accounts from my reward redemption options. I was repeatedly transferred from the XXXX XXXX to the Rewards Redemption Team ( Agent : XXXX XXXX and then to a supervisor who refused to provide her name and hung up on me when I asked for clarification. The supervisor stated that Citi can not remove any bank accounts unless I first spend money on my Citi card, earn new rewards, and redeem them via direct depositat which point Citi will " see the accounts '' and delete them. This requirement is not stated in XXXX agreements and serves no purpose other than to coerce customers into spending money. 

Citis terms and conditions do not state that Verified Accounts must remain indefinitely, and Citi provides no manual option for customers to remove them. The company is indefinitely retaining customer financial data without offering a removal option. Requiring a financial transaction, such as spending money and redeeming rewards, just to request deletion of stored banking data is unreasonable and unfair. Citi has provided no valid reason why these accounts can not be removed immediately upon request.
Product: Prepaid card

On XX/XX/year> I attempted to purchase {$1.00} of XXXX storage. I put in my XXXX XXXX XXXX  information. There was a message on the screen telling me to verify my identity with my bank. I called XXXX XXXX and after explaining the situation to the representative, was told to try the purchase again, and that it should go through. I did try again but again the transaction did not go through. So again I called XXXX XXXX and this time the representative told me there was a hold on my card. I was told to email them a photo of my photo ID. My ID was expired at the time. I applied online to renew my ID, which was subsequently sent to me. As soon as I received it, I emailed Direct Deposit a photo of the ID, in color and front and back. This was on XX/XX/year>. After many hours, I received an email from XXXX XXXX stating that they could not verify my identity and that I would need to " step into '' my local social security office. I am XXXX XXXX, in very bad health. I can not " step into '' the social security office. I have been without access to my social security benefits ( my sole means of survival ) since XX/XX/year>. Please help me to resolve this.
Product: Vehicle loan or lease

Dear Mazda Financial Services Team, I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) for the charged-off loan associated with my account ending in XXXX. 

Account Details Account Holder Name : XXXX XXXX XXXX XXXX Account Number : XXXX Loan Type : Auto Loan Date of Charge-Off ( if known ) : XX/XX/year> This document is essential for my tax records, as the Internal Revenue Service XXXX IRS ) requires me to report any canceled debt as income. I kindly request that you confirm whether a Form 1099-C has been issued for this account. If it has, please send a copy to the address provided above.

Additional Information If a Form 1099-C has not yet been issued, I kindly request confirmation of whether the debt has been canceled and any applicable documentation to comply with IRS requirements . 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the disputes I initiated regarding the following accounts : XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX - Account # : XXXX These disputes were submitted beginning in XXXX and XXXX of this year, yet I have only received verification letters without any of the specific documentation I have requested several times. 

Details of My Request I have repeatedly requested that you provide me with the following : The original signed contract or agreement associated with the above-referenced accounts. 
A complete and accurate accounting of all charges and payments made under these accounts. 
Verification of the original creditor 's information and validation of the debt as required under the Fair Credit Reporting Act ( FCRA ). 
Current Situation To date, I have not received the requested documentation, which is necessary for me to thoroughly review the validity of these accounts. The only response I have received from your bureau has been verification letters, which do not satisfy my requests or the requirements under the FCRA. 

Attachments For your reference, I have attached copies of the previous dispute letters I sent, as well as your verification letters that do not fulfill my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had  3  auto loans with   XXXX   and was late  one  x for 20 days on one xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  3  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX I requested Validation not verification pursuant to the fair debt collection practices act, 15 USC 1692g from World Omni Financial Corp dba South east Toyota finance after they attempted to collect a alleged debt sending me a postcard in the mail. I sent a Cease and Desist and invoked my specified remedy as a consumer and the original creditor. I demanded they complete the form sent along with copies of all requested information, assignments and transfer agreements. I told them there claim can not and WILL NOT be considered if any portion of the form was not completed and copies returned. This was notarized and sent certified mail. 
XXXX XXXX I received a response from World Omni Financial Corp stating they have processed my request to cease communications related to my account. They did not return any requested documents or completed forms. They claimed they are not required to do so. 
XXXX XXXX World Omni financial stole my property along with my personal belongings. They unlawfully repossessed my vehicle from my mothers home and disabled my property after processing my cease and desist letter. 
XXXX XXXX I spoke to supervisor XXXX XXXX for the return of my property and she stated they processed my cease and desist. 15 USC 1692c ( c ) ( 2 ) In my cease and desisted i invoked my specified remedy demanding the title of the vehicle lean free and deletion from all consumer reports. I asked Mrs. XXXX why are they breaking federal law by not honoring my cease and desist, she stated they are not breaking federal law. She said they reposed the vehicle and i dont have any rights to get my property back. 
This company and its employees have conspired against my rights as a consumer 18 USC 241 and violated FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit karma and was offered and told to use apply for loans and cards indicating that my approval rate would very high and I got denied several times. I feel like this is false advertisement on their part and giving me false that would be approved for loans. My credit score is bad and have been trying to fix it for years based on the information their site provided. U know that there is lawsuit against credit karma and I feel like I should be apart of it because the have done more damage to me than good.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
I also requested all corporations to fill out a form 1020 and return back to me and still haven't gotten it
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 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 was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act 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

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX also CAPITAL ONE XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES 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. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Product: Vehicle loan or lease

I am trying to pay this loan off over a year early but they are still making me pay all of the interest except {$400.00} the total interest charged is {$2900.00} which is excessive but if I am paying it off in almost half the time it seems like I should not have to pay all that interest. They added the interest immediately on the loan & how can that be legal when I have not accrued the interest yet?
Product: Debt collection

I have had a collection account on all of my credit bureaus for some time now. Jefferson Capital Systems is the supposed creditor. I have disputed this through the bureaus with no results. i have also contacted Jefferson to get actual information about the supposed debt and have been given no relief. this is lowering my credit score and is not my debt.
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 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 was unfair and deceptive, 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 an financial loss, and 1 seek appropriate redress for these violations