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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00}
Product: Vehicle loan or lease

Us auto filed bankruptcy on a vehicle thats I had paid off in full they never removed there name n lien off the title
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any XXXX authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX  XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

Services Performed around XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$480.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. No one at their office could explain my insurance payments or benefits. The biller at XXXX XXXX XXXX never answered the phone upon attempts to understand my bill. They agreed to remove erroneous charges but still send our account to collections. On XX/XX/XXXX received a notice about a debt owed of {$480.00} by a company called Thunderbird Collection Specialists ( TCS ). I called TCS to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Thunderbird Collection Specialists TCS is investigated for charging a fee of over {$160.00} on top of the {$480.00} assumed owed totaling {$640.00}. I never agreed to any collection costs as a patient of XXXX XXXX XXXX. The issue is erroneous billing practices and charging patients for fees outside of agreed terms and conditions. Thunderbird Collection Specialists is charging fees that are not owed. I never signed a contract or agreement with XXXX XXXX XXXX regarding paying any fees or interest to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill for a credit card from Genesis FS Card Services. It was a Mastercard and the number is XXXX. 
I have no knowledge of this card and did not apply to receive this credit card. 
The balance dates and amounts are during the course of time I was incarcerated in 2021, thus further proving I had no knowledge of this account or card and did not agree to these services. 
The credit line is {$300.00}, the past due amount was {$280.00} and the Over limit amount is {$320.00} Late payment {$40.00} Interest charge purchase {$14.00} Bringing the total balance to {$620.00} I would like this issue to be investigated if there was either possible fraud on the companies part, or the possibility of my ex boyfriend opening accounts without my knowledge and using and hurting my credit during the time of my incarceration in 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reached to the point where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Experian have no time to tackle or review my complaints and Im sure you have seen my FTC and Police report Ive sent. So my question again is, why are you letting my complaint pass? Dont you know you have caused me so much stress since youre still reporting this damaging record on my credit file? I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Debt collection

I sent two cease and desist letters to XXXX XXXX XXXX concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.
Product: Checking or savings account

My taxes were deposited into the wrong bank account in the amount of {$140.00}. XXXX XXXXXXXX completed a tracer to confirm the funds were not returned to them. They said I would need to speak with my bank and provide the tracer as they have not received the refund back. I was told by BOA that they do not complete tracers and would have refunded it back already. She would not check any info. Instead she said she would provide me a letter saying it was not received my account. The letter came almost a month later with no descriptive info around the amount, what the amount was for, etc. I told XXXX XXXXXXXX who mentioned the tracer confirms the money was not returned and they can not help further without sufficient documentation or evidence that the funds were returned. 

XXXX number XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against XXXX AFFIRM  for their lack of responsiveness and assistance regarding a refund request I made under their extenuating circumstances policy. 

On XXXX XX/XX/2024 my flight ( XXXX ) was canceled XXXX hours prior to departure due to a power outage in the state of my connecting flight. The next available flight offered by the airline was scheduled XXXX days after my original departure date. This delay resulted in the cancellation of my entire trip ( XXXX XX/XX/2024 ), as it was not feasible to reschedule all the arrangements at such short notice. 

In an attempt to salvage my travel plans, I looked for alternative flights, as the only other available flights for that day could only accommodate XXXX person, not XXXX, but the cost was nearly double the price of my original tickets, which was financially burdensome. And the total travel time resulted in XXXX to XXXX hours, which is difficult for me and my husband as he is a XXXX Veteran, and I am XXXX as well. 

Given these circumstances, I contacted XXXX XXXX XXXXXXXX XXXX ( XXXX ) to request a refund for my booking. However, despite m ultiple attempts to reach out to their customer service, I have not received a clear response on whether I qualify for a refund under their extenuating circumstances policy. 

I believe that XXXX 's lack of communication and assistance during this stressful time is unacceptable and contrary to the standards of service that consumers should expect. 

I also disputed this issue with AFFIRM who failed to properly process this dispute. 

I kindly request the Consumer Financial Protection Bureau to look into this matter and assist me in resolving this issue. I am hopeful that with your intervention, XXXX/ AFFIRM will expedite the processing of my refund request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed two complaints against AMEX for failure to comply with basic standards in customer service and the multiple promises AMEX mangers made to address miscalculations from a fraud claim in they own stamens ( when I for years was on an auto payment for the entire balance of my account ) and AMEX essentially ripped me off. 
They have been rude, dismissive, hung up on me, insulted me, promised me to 'recalculate the problem ;, and then never followed through. 

Now that they know Ive filled with the CFPB, my XXXX AMEX points have been locked away... 

This is beyond unprofessional. Please help. These individuals are ridiculous, can't seem to manage their own complaints internally ( I've been called 4 times at XXXX XXXX and repeatedly forced to verify my time zone ... yet then the members still don't SEE I LIVE IN HAWAII,,, meaning they didn't update my file to reflect the home and billing address time zone, just wasted my time ). 

This week, I waited on hold for an hour for a manager. I was promised XXXX, who left me a voicemail the day before, would call back. He never called back. The next representative XXXX reminded me what a useless consumer I am in derogatory comments and waiting on hold an additional 20 minutes... 

I want some justice here. I want my points worth over {$1000.00}, much less an apology and their correction to months of toxic neglect, threatening emails and text messages, when AMEX SCREWED UP THE REFUND!!! 

On XX/XX/XXXX, XXXX, an AMEX manager admitted over a long conversation the statement in question was wrong and promised to correct it. THAT NEVER HAPPENDED, instead UI 've been threatened and harassed more. 

So, complaint # XXXX, Please, CFPB, help. Of just join in the nonsense. I have no faith in any of you now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 YOU KNOWINGLY BROKE THE LAW AND YOU KEEP DOING IT! 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.
Product: Debt collection

I sent a dispute by certified mail disputing Midland Credit Management , Inc. claim and requested a validation of their claim on XX/XX/XXXX. I then sent a failure to respond notice 33 day after on XX/XX/XXXXXXXX  and as of XX/XX/XXXX theres still no response and they are still reporting this erroneous item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns remain unresolved. Once again, I am disputing the fraudulent information damaging my credit file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Additionally, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. I am curious about the verification method your bureau employed to continue reporting these fraudulent accounts. 

These are the fraudulent accounts on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My Discover card debt was placed in a receivership by XXXX XXXX XXXX. I paid off the receivership about a year ago. I received the paperwork from the receiver that it was paid. That paperwork was sent to XXXX XXXX XXXX at that time. XXXX failed to file it with the court until recently. I have requested the final release of XXXX paperwork by phone and by email numerous times and am getting nowhere. This should have been updated on my credit report long ago, but my credit score is still suffering due to XXXX XXXX XXXX ' negligence and refusal to send my documentation. I've also requested they update my address by phone and email several times, but they refuse to update my address in their system.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, ink ) 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 there platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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 or other personal consumer reports

I was in shock and utterly dismayed to find inaccurate accounts on my credit report today. This was completely unexpected, as I had just checked my report as usual, but noticed new discrepancies. I attempted to fix the issue by refreshing my browser, but the errors stayed put. I need the documents I've submitted to be inspected carefully so I can be reassured that this won't happen again.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Experian credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Experian credit report immediately. Please remove the following - XXXX XXXX XX/XX/2023 Thank You, XXXX
Product: Debt collection

Navient Reference Number XXXX - Called from XXXX claiming to be formerly XXXX XXXX - Re Debtor XXXX XXXX. Navient claims I am a reference. XXXX XXXX also did previously and I asked to be removed. I have no contact with XXXX XXXX and I did not co-sign or provide a reference on any loan. I spoke to XXXX XXXX of Navient of XXXX XXXX, PA. Asked to be removed as a reference. He agreed to do so but refused to provide written confirmation. Written confirmation should be provided since my name remained on the file after XXXX XXXX allegedly removed it. Personally, I do n't even know if XXXX XXXX provided this information or there obtained my contact info in another way which may violate Federal Debt Collection laws.
Product: Debt collection

I dispute d Atlas Co llections through   XXXX   XXXX   XXXX   XXXX   back in  XXXX   2017 . I 'm no longer obligated to pay the debt of {$910.00} since the original creditor (  XXXX   XXXX   XXXX   )  sold the debt, making the contract between me and  XXXX   XXXX   XXXX  invalid.     As the other  XXXX  credit bureaus removed the account,  XXXX  failed to, stating in their investigation results that " this item remained unchanged from our processing of your dispute in  XXXX   2017 . '' On  XXXX   XXXX  I pulled an updated  XXXX  report and it sho ws Atlas Collections  reports the account " closed '' as of  XXXX   XXXX ,  2017 .     I sent a letter to the collection agency on  XXXX   XXXX   2017  to remove the account from  XXXX , but they have n't contacted me yet.
Product: Credit card or prepaid card

My debit card was use unauthorized and PayPal rejected my claim but I didn't make or authorized anyone to make those transactions. 

I reported the problem within minutes from the issue because I started receiving emails ; my login was also change from a different computer to prevent me from login an report the issue and I could get in touch with PayPal because their customer service is closed. After much struggling on my own, I restored my account access by changing both, my email and PayPal password then report the issue immediately. Also continue calling PayPal until I got a hold of someone and cancelled my debit cards but all this effort was useless because PayPal closed my claims without much investigation. 

I'm sure there is some sort of record showing from what computer the password was changed and they need to investigate deeper by working with the store where the transaction were made because they must to have video showing the person that make the transactions. Also don't understand what can you buy at Giant for about {$3000.00} dollars and why PayPal didn't got suspicious of my card running multiple times at this location, since I never make transactions like that and when I do try to use my card, they reject my transactions most of the times when I don't have the funds but this time, they processed those transactions without me even having the funds to cover those transactions. 

The transactions and claims in questions are the following : Case ID : XXXX for {$500.00} Case ID : XXXX for {$500.00} Case ID : XXXX for {$200.00} Case ID : XXXX for {$50.00} Case ID : XXXX for {$650.00} Case ID : XXXX for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts was open fraudulently which is now hurting me and stoping me from getting loans or credit cards. loans was open like Wells Fargo auto finance and XXXX XXXX  auto finance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX