23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Hello, My namie is XXXX XXXX. I opened a credit managing account with Brigit. 

I requested to deactivate this total account as it wasnt a great fit for me as too how their services are represented to the consumer. 

I always check my checking account s and credit reports. I noticed after my request to deactivate my account. They still kept the access to my XXXX checking account and monitoring it. I asked then to delete my banking information, email and telephone number from this account. I dont want the account or to have Brigit to have any access to my private information. I dont want to risk my checking account to any data breach. They could wipe out my checking account. I dont want a free account. I want to deactivate this account in its entirety. 

Best Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX, sent me payments through Wise on XX/XX/2010 and 15 including three {$500.00} and one {$1800.00} payments. Wise promises the money will arrive in recipient 's bank within three or four business days. However, its been one and half months, these three payment transfers still on pending. One {$500.00} transfer was canceled, but Wise did not return the money to senders bank account and still keeps it. One and half months is more than enough time for so called extra checks and fixing issues. I contacted Wise several times and asked them to resolve issues or cancel these immediately, but they did nothing. I did not ask for disclosure of transfer specific details ; I want my money back. The sender also asked Wise for cancelation so that they can resend them. But Wise did not take any action to help me to fix the problem, nor they cancel these transactions, it chose to steal my {$3300.00} money unscrupulously.
Product: Credit reporting or other personal consumer reports

IN THIS LETTER PLEASE SEE THE ATTACHED POLICE REPORT as requested via letter by Equifax in order for this account to be blocked. 
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX and was fraudulently opened in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. Equifax and XXXX Fraud Department requested for me to turn in the full Identity theft affidavit report in order for this account to be removed due to Fraud. That has been done. 
Please review the last identity theft affidavit submitted with the previous letter that was sent out on XX/XX/XXXX. I attached proof of verification and the identity theft affidavit to my previous letter that certified mail confirmed that you received. 
This account must be removed/ blocked within XXXX business days after receiving. XXXX and the CRA is being unlawful due to this fraudulent account to still be reported.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports for accuracy and I saw a very old account for XXXX XXXX  for {$650.00} that was opened in XXXX still reporting almost XXXX years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The XXXX year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to the following numbers provided it by Experian Only a automatic system which doesnt option to talk about my dispute or my personal information failing to provide consumers all the information that maintain about me It not letting me to talk with a live agent The letter I have received from Experian have fail to provide any date about my disputes So have try several times to talk with a live agent also failing to communicate XXXX erring my life negatively They dont answer me by XXXX Or XXXX making hard for customers to fix anything or to know about errors or disputes Failing to maintain communication and provide the right information with a automatic system that doesnt give me the options to do so I XXXX XXXX Blame Experian and make them liable for failing to provide me with any proper communication Ignoring me over and over Always going in favor or the corporations instead of the poor people
Product: Money transfer, virtual currency, or money service

Excerpt from most recent chat : I have been patiently waiting on Cash app to " verify my identity '' since XX/XX/XXXX. I have uploaded complete sets of my id cards and pictures of myself at least XXXX  times. I have spent hours on the phone and via text with support. 

Already accomplished all of these several times, XXXX REFERENCE CASE XXXX Now, kindly complete my identity verification. 

XXXX XXXX can not tell me why they can not verify my identity. They just ask for the same steps to be completed over and over again. I comply, they do nothing, then they close my complaint. I find out they closed my case a couple weeks later when i make a follow up inquiry.
Product: Debt collection

I filed a fraud dispute several times with XXXX Credit agency. I called at XXXX XXXX XXXX XXXX 2016, I sent them a police report a dispute letter stating fraud XXXX time in 3 months, I have spoken to them several times about wrong names listed on credit report andd the company Pinnical Credit Services which the fraud dispute was filed. My conversation today was nothing has been filed, disputed and names had to be disputed once again
Product: Credit reporting or other personal consumer reports

I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section 605b it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX  XXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section 605b Thank you.
Product: Bank account or service

Company : XXXX XXXX rush cards. XXXX of customers of prepaid debit cards backed by hip-hop mogul XXXX XXXX remain without access to their money more than a week after technical problems first began plaguing the cards. This has been going on for years. Back in 2012 it was income tax time, payday, and bonus check time for us. They withheld our money and froze our account. We lost access to funds. Rush Cards Stating that we had too much income coming in all at once. It was unfrozen a week or so later.
Product: Student loan

I was misled by XXXX XXXX into taking on this debt and I would like a XXXX XXXX XXXX. When I reached out to AES today, XX/XX/XXXX, they said that they have not heard of this before. This is a predatory private loan wit han obsene interest rate that my brother is co-signer that I got into in XXXX when I was XXXX XXXX XXXX and was misled by recruitment persons who had high pressure and lied to me about my placement at this school.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXX XXXXXXXX XXXX  : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX : XXXX 5. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7. XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/XXXX [ XXXX ] 15 U.S.C. 1681 section 602 A states I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/instructions.
Product: Checking or savings account

I had a life threatening vacation that we booked using the capital one credit card. When we arrive it was a bait and switch from what was advertised. We were with in our rites as the hotels policy stated to cancel the reservation and look for other accommodation in XXXX. The hotel refused and we had to stay there. Two family members ended up in the hospital and we all were sick vomiting for the entire stay. When we got back to the U.S. I disputed the transaction and they agreed it should have never happened. Then the hotel emailed Capital One and they targeted us and declined the dispute and closed out my XXXX bank account and CD. I had no access to my money for over two weeks. No letter no notification just blocked me out. No access to my money. They demonstrate XXXX  actions. No matter what is said they don't respond
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX/Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions I XXXX XXXX XXXX DID NOT GIVE XXXX, EXPERIAN, XXXX ANY WRITTING INSTRUCTION.
Product: Debt collection

I graduated XXXX  XXXX on XX/XX/XXXX owing a little over {$2000.00}. I tried to work out a payment arrangement with the school, but they sent the debt to collections in XX/XX/XXXX. 
The collection company began calling me immediately upon receiving the debt. I was not working ( diagnosed ) and I told them I would pay when I could. 
They had a rep that called twice a month attempting to hold a conversation with me like we were friends. I told him to stop calling because it was inappropriate. 
Upon checking my credit report, I noticed they continue to renew the debt with new dates, as if they debt is new. I have called and sent them a letter letting them know they were misrepresenting the debt, but to no avail. They have a XX/XX/XXXX date on an XX/XX/XXXX debt. So every 2 years or so, they keep updating the debt so they can keep it in their portfolio and falsely report this information to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received loan for my daughter that was cosigned by my parents which my parents paid off. Before they completely paid loan off they had filed bankruptcy and there was only approx. a {$1000.00} balance left to pay off. While filing they agreed to continue to pay the remainder balance which they did now Navient which was previously XXXX XXXX are trying to charge me for the intial loan that has already been paid off. They have received legal documents showing that the loan was paid off and they still refuse to clear my credit report with the false claims they put in my name trying to receive over {$8000.00} for account that was completely paid off. They removed my mothers name from the account and produce an account with my name on it only charging me the whole balance of the initial agreement that was already completely paid off by me and my parents.
Product: Mortgage

Applied and approved for a bank statement loan to refinance my home. They approved the loan locked the rate at 3 % for a XXXX XXXX. and got an appraisal. On Friday, they told me that I will get the closing date, that never happened, instead, on Monday they called me to tell me that they had an issue in the system and they had mistakenly gave me the rate for conventional loan, for which I cant currently qualify. If I want to proceed, the rate will be 4 %. 

This is a classic bait and switch, and flat out scam. I have documentation to support this. 

Im asking you to suspend their license so that they cant harm other people. 

Thanks R
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately
Product: Credit reporting or other personal consumer reports

I never recieved a response fo the 3 credit bureaus from the date i sent out my dispute letters it's been 30 days please check and delete all the fraudelent accounts and inquiries below ; XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint about a new collection on my credit record. I have a receipt showing payment of the bill. I have submitted this information to XXXX three times. Every time I submit it, I receive " dispute open '' emails. When I try to view the progress, I am told the dispute does not exist. Today, I received an email saying my dispute was completed. When I tried to view the dispute results online, I get an error message. I called on the phone and they told me my dispute did not exist. I have emails which show I filed the dispute, and I have an email saying the dispute is completed. And I have a receipt for the amount that has been reported to my credit report.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a written notice of dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via XXXX Certified Mail to FEIN SUCH KAHN & SHEPARD P.C. which has not been fulfilled. On XX/XX/XXXX and XX/XX/XXXX I sent a Cease and Desist Notice to cease any/all collection actions until the alleged debt was properly validated to FEIN SUCH KAHN & SHEPARD P.C . which has been ignored. On XX/XX/XXXX and XX/XX/XXXX I sent another Cease and Desist notice and written notice informing FEIN SUCH KAHN & SHEPARD P.C. that I'm a victim of identity theft and the fraudulent account does not belong to me which has been ignored. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay FEIN SUCH KAHN & SHEPARD P.C. I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. What the money you say the alleged debtor owes is for. Explain and show how you calculated the alleged debt. Provide me any documents that show proof I agreed to pay the alleged amount owed. Please provide the name and address of the bonding agent for FEIN SUCH KAHN & SHEPARD P.C. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX 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 ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Additionally, on XX/XX/XXXX XXXX XXXX XXXX XXXX sent a notice informing me that the fraudulent account resulting from Identity Theft has been blocked and removed and would no longer be subject to collection actions. Furthermore, pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, FEIN SUCH KAHN & SHEPARD P.C. is in violation by not responding to my notice of Identity Theft within 30 days.
Product: Credit card or prepaid card

On XX/XX/XXXX I added a new bank account for payments to my online account so that i can continue to make my on line payments just using my new checking account. I also schedule a payment to be made from this new account. I received a conformation email stating that the new account had been added to my capitol one account successfully. An hour later i received a conformation email stating my payment had been scheduled successfully. The next y XX/XX/XXXX, after going through my bank account and realizing the payment had not cleared my NEW bank account, it was brought to my attention Capitol one withdrew the funds from my old bank account that did NOT have the money in it to cover the payment. So now not only is my old account short the payment amount, but it was also hit with an NSF. I called capital one who for the longest time couldn't even tell me that i added a new account. When they finally could see that, they were not willing to help me in any way stating that I choose to make the payment from my old account with no money in it. Im in the process of closing out that account, I did NOT authorize payment from my old account. I need this account fixed. The customer service for XXXX was so disappointing.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent inquiries on my credit report. 
I did not give consent to these inquiries. I did not sign any legal documents. 
According to the FCRA ( 15 U.S.C 1681 B ), LEGALLY these items must be REMOVED from my credit report immediately ; NOT disputed. If no action is taken place within 14-30 calendar days, I will be forced to contact my Litigation Attorney and have her reach out directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, each major credit bureau ( Transunion, XXXX, XXXX ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.