23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had a wise card and wise app on my phone as I travel to XXXX and XXXX quite often and its handy as I can spend on my card in local currency.I can also withdraw cash from any ATM in local currency, I was in XXXX and I needed a small amount of XXXX  to last me the night, I withdrew cash on XX/XX/23 at approx XXXX XXXX XXXX I went on with my night out as intended, I did notice the next time I checked my account I saw my only transaction but following that a list of consecutive XXXX, XXXX, - XXXX, - XXXX - XXXX - XXXX - XXXX - XXXX These were followed by several attempted withdrawals but no Monet was delivered after that, the Total in XXXX taken fraudulently was XXXX this equates to XXXX I froze my card immediately and disputed said transactios on wise app as fraudulent I received e-mail saying in receipt of my report etc, a series of requests including obtaining a police report via action fraud website ( they gave me details as I could not report it on XXXX  police website as language was not translating into XXXX and reported XXXX XXXX number XXXX XX/XX/23 Several, requests and lots of waiting etc resulted in Wise informing me that they could not prove fraud and were not reimbursing me and closing my account, virtually calling me a thief, I was furious but no way were they reimbursing me, Id stated I must have been pick pocket after perhaps someone saw the pin I had entered ( Im presuming ) I went on to inform them that I was not happy and also the fact that wise had a cap on ATM withdrawals per day of XXXX and my card was used multiple times as detailed above totalling XXXX over 4 times what wise own limits stated on app and on net. 
I disputed all but the one transaction I made and informed them that even they could not prove fraud had taken place ( they could not prove it was not ) and my next argument was that if the card limit had been adhered to my liability would have been XXXX and not over XXXX but again it fell on deaf ears and even though I ponded it out to them on several e-mails they never once responded with anything relating to this and not once acknowledged their mistake under their own terms, I feel aggrieved because they had me jumping through hoops, dragging their feet. between answering my e-mails and putting pressure on me trying to claim, not only have I lost over XXXX it was the implication that Id acted fraudulently and closing my account and when I obtain any other bank account it may ask me have I ever had an account refused or indeed closed my reply obviously has to be yes for suspected fraud ( wise not put that in writing ) Regards XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/2017 This Is listed under collections, I called the company obtained an agreement from company to pay the debt with the understanding that it wouldbe removed. I paid the agreed amount, they took my money and it remains reported to the three credit bureaus as a collection.
Product: Credit reporting or other personal consumer reports

DriverIQ use my personal info without my written consent. DriverIQ also collected my info without my written consent which is identity theft. I am a federal protected consumer and DriverIQ has committed fraud. 15 usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is being reported as 30 days late from XXXX in XXXX from a bank error. This issue was raised back in XXXX when the inaccurate data first showed up on my report and was corrected. Recently the account has been reported 30 days late from that same time in XXXX of XXXX. I call to correct this error and it is temporarily corrected until the next statement cycle occurs. 

The previous CFPB Case number : XXXX Company Response : Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Credit Card account. Thank you for the opportunity to respond. On XX/XX/XXXX, our records indicate that you spoke to MrXXXX XXXX regarding the concerns you were having related to the billing of account maintenance fees that caused your account to go past due. As a courtesy, Mr. XXXX advised that we have waived a late fee in the amount of {$10.00} and we have advised the credit bureaus to show your account as never past due. As a reminder, pursuant to the terms of your Cardholder Agreement, an account maintenance fee is billed to your Account each month as long as your Account is open, or you have an outstanding balance. Sincerely, XXXX XXXX On behalf of Fortiva Credit Card* *XXXX XXXX XXXX XXXX is the creditor of the Fortiva Credit Card account XXXX 

I also have attached a screenshot of my current credit reporting from FORTIVA and pulled my Tri-Bureau report from Q4 of XXXX to show the change that has occurred in the reporting. I have attached a letter from FORTIVA indicating the credit file is reporting no delinquencies.
Product: Credit card or prepaid card

I ordered a " XXXX XXXX XXXX XXXX XXXX '' from XXXX, XXXX on XX/XX/2018. It worked for a short while then started having issues. After troubleshooting the issue I contacted XXXX, XXXX regarding these issues and had to send it back to them for service. After receiving it back, it was in worse condition. At this point, my purchase was after 30 days but within 90 days, so I contacted Citi Card Benefits on XX/XX/XXXX with all the documents they requested to initiate a 90 day return protection claim for a refund {$300.00}. After the initial contact, I contacted every 15 days to figure out what the status was. It took them until July 18th, 70 days later, to get me instructions on sending the item to them. I sent the item to them in the original packaging and using the original shipping box XXXX, XXXX used. 16 Days after I sent it, on XX/XX/XXXX, then sent back a reply claiming I did not send them back everything and that power cord, software and two screws were missing. I replied back stating the I had sent everything XXXX, XXXX had sent to me. I did not receive a response back and received back the printer a short while later, poorly repackaged and in worse shape. There were four screws missing, the extruder was detracted, the power cord was not in the box, and the metal frame connecting the exturder and fans to the belt was bent. The SD card containing the software was still in the box. A week later, I received a letter stating that the claim was denied due to missing parts. My attempts to contact the Citi Card Benefits have resulted in promises on a call back, with no call back.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX  ( CLOSED ) : Account : XXXX XXXX )
Product: Debt collection

I have received contact from Harris and Harris regarding a XXXX XXXX debt. They have a called and sent on letter. When I received that letter, I replied with a request to validate this debt and provide me statements, the right to collect this debt, and any other information in writing. I, also, requested that they do not contact in any way other than mail specifically stating I did not want calls. 

On XX/XX/22, I received yet another call from this company with an XXXX XXXX leaving me a message to call XXXX. I returned this call. I asked them to validate the debt as per my previous request which was made more than 30 days ago and to stop calling me and only contact through mail. I was told that they could only validate through email. I declined that as I have no interest in receiving emails or relying on my email provider to not mark their emails as junk or spam and thereby removing my ease of access to said emails. I requested that they mail the documentation which this person told me that was not possible. 

I have only been seen by XXXX for a worker 's comp injury and I have to my knowledge have not been sent a statement or bill for any remaining debt. I have no qualms about paying my debts but I would like my rights not trampled on when I request validation prior to paying.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXXXXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX  acct # : 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 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$28.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$28.00} XXXX XXXX Balance XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and XXXX. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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. 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.
Product: Credit reporting or other personal consumer reports

I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. XXXX, Equifax, and XXXX have been willfully disobeying Credit Laws. In 2018, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all XXXX creditors involved in the opening of accounts in question : XXXX XXXX, XXXX XXXX, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach and subsequent identity theft, the following accounts and inquiries were fraudulently opened without my knowledge or consent. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I was rushed to hospital with XXXX XXXX XXXX an was not able to pay for my services rendered at this time. XXXX XXXX contaced a charity and said that the cost of my services woukd be written off or a charity organization would take care of this ordeal.At the time of sickness there was no insurance and I was not able to pay for my sickness. I work parttime in a XXXX and insurance is not provided by my employer.
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 : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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: Mortgage

I purchased my home with veterans home loan XXXX XXXX at 6.7 % for XXXX. XXXX XXXX and XXXX XXXX XXXX handed it over to Seterus formerly known as XXXX XXXX. I began having trouble keeping up and went through the forebearance process. My last timely payment was at some time in XXXX. I requested a modification in XXXX. It was granted and I was paying on time XXXX at 6.7 %. XXXX months later Seterus Mortgage increased my monthly payments to XXXX per month. I could not afford to continue payments. Since XXXX XXXX I have been trying to get a modification loan at a lower rate.
Product: Credit reporting or other personal consumer reports

I put in a removal request to Equifax about account on my credit report they have caused hardship on Me and my XXXX kids and wife to where I cant get approve for anything at all my kids starve most of the day cause I cant get around in a vehicle it seems nobody is hearing me nor cares I am always being denied and discriminated against Im just trying provide for my wife and kids Im the only one who works but I cant get to work cause Im always denied access to my credits To resolve this matter I request the account I request be deleted by Law I have a right to privacy
Product: Student loan

The financial burden of my student loans are to large for me to handle and I am unable to negotiate other options like forgiveness plans or bankruptcy. I have had to postpone life choices like marriage and children due to these burdens. I have a good paying job and still unable to live within my means. This form of indentured servitude is unethical in our society.
Product: Credit reporting or other personal consumer reports

I was notified a late 30 day payment was added to my credit report after I paid the loan off on XX/XX/year>. XXXX is reporting to my credit report, loan is still open and loan is paid off. I contacted XXXX to inform them I was impacted by Hurricane Helene significantly and my area was declared state of emergency. I was out of electricity for over a week during the time, XXXX is stating payment was due. I supplied supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.