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

I am writing to request the immediate blocking and deletion of an unauthorized inquiry listed on my credit report. I am a victim of a recent data breach, and this inquiry was made without my consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this inquiry be permanently removed. 
The inquiry in question is as follows : XXXX XX/XX/scrub>XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I encountered an unexpected expense that became a priority in my budget. Consequently, I reached out to LendingPoint to establish a payment plan. After paying the necessary fees, I secured a reduced payment plan, reducing my monthly obligation to {$34.00} over a few months. 

However, starting in XXXX, I noticed XXXX bi-weekly interest-only payments of {$500.00} each, totaling {$1500.00}, were withdrawn from my bank account. This significantly exceeded my usual monthly payment and has severely strained my financial situation.
Product: Credit card or prepaid card

I purchased a diet pill online in XX/XX/XXXX. It apparently had an automatic renewal in the purchase. When I received another bottle ( I hadn't used the first bottle ), I checked my statement and found the purchase on there a second time. I went to the package and there was no invoice or info for me to call and cancel. I did not receive an email from the company to use to cancel. I do online banking and looked at the transactions online and there was no contact information for the company there. I contacted the card company and claimed this as fraud since I had no ability to dispute the charge or cancel. The representative indicated that they would not consider this as fraud since I made the initial purchase ( I did not dispute the first charge, just the subsequent one ). I received a letter from the card company ( photo of the letter attached ) saying they wouldn't consider it as fraud and my only recourse was against the merchant. This, obviously, upset me since I had no apparent way to contact the company. The representative indicated to me that my only other recourse would be to cancel the card and get a new number so that the charge couldn't come through again. I was reluctant to do this because I have recurring purchases on the card and I would have to go online to a dozen places to change out the credit card number. Since I started this process with the card company and before I received their letter ( today - XX/XX/XXXX ), another charge came from the company ( dated XX/XX/XXXX ). The card company also did not provide a provisional credit for the XX/XX/XXXX charge that I was disputing. The original charge appears to have been XX/XX/XXXX. I decided I would go to the CFPB website and dispute, so I went to look at the .pdf of the statement. On the printout of the statement was a phone number, so I called that number and, it appears, this charge will no longer come. My complaint is for the XX/XX/XXXX charge from XXXX, as well as the XX/XX/XXXX charge that came while no provisional credit was made and since Visa did not attempt to contact the merchant. Also, I note that the online transaction showing in my First Tennessee online banking ( this is a First Tennessee Visa ) did not include any contact information for the company. When I talked to the representative, I indicated the fact that I had no way to contact the company. If that phone number were available on the transaction, why did he not give it to me to call? If this call ends up having taken care of things, I could have made the call before the XX/XX/XXXX charge came through. I can provide copies of the statements if necessary.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred a total of {$5100.00} from my XXXX XXXX account to Wise Bank account. Both the funding and recipient banks were located within the US and the funds were wired in USD. 

Immediately after sending the wires, Wise began sending me text messages and emails requesting information to verify my identity. Keep in mind that I had already had a personal and business Wise account since XX/XX/XXXX that was verified with all of my banking information, passport, drivers license and SS # 's confirmed. I received multiple emails indicating " there is a problem with my transfer '' and I need to fix it. They needed more information. I complied with all of Wise 's request for documentation which included : My Wise Membership Number, Adding additional funds to cover Wise fees, Screenshots of the wire amounts sent to Wise, Screenshots of my XXXX XXXX online statement including account number, routing number and my full name, Screenshots showing the recipient information ( Wise account and routing numbers ), PDF of my statement After providing all of this information, they were still unable to verify that the funds came from me, so they began sending me emails telling me " we need to give you a refund ''. So, I complied with their request to give me a refund and on XX/XX/XXXX, I received {$5100.00}, which was {$50.00} less than I sent. 

Multiple emails and phone calls with Wise telling me : " We send the full amount, you are mistaken '' UNTRUE " The missing {$50.00} was taken by your financial institution '' UNTRUE " Send us a screenshot of your statement to verify amounts received '' I DID After spending multiple days and many hours on the phone, I finally received an email indicating that the funds were taken by XXXX XXXX beneficiary bank, not Wise. Well, I dont bank with XXXX XXXX and I sent the funds to Wise XXXX It was Wise who was unable to process the wire and verify me, even after I sent them everything they asked for. It was Wise who emailed me that they needed to refund my funds, not me. The link they provided justifying the fee stated that : " Correspondent fees are fees you're charged by correspondent banks in the XXXXXXXX XXXX. '' My fees were not send via the XXXX XXXX. 

" Weve built a prediction tool based on the correspondent banks historical fees and speed. If our tool suggests your payment will be charged a correspondent fee, well include it when calculating your transfer cost. '' I was never informed or shown any such fee in any of the calculations presented to me. 

I was told that these fees often occur when sending funds from one country to another or from one currency to another. In my case, I did not send the funds outside of the US, both banks were located within the US and the funds remained in USD and incurred no conversion fees. 

As petty as this may seem, I am seeking the reimbursement of {$50.00} by Wise for errors made on their end being unable to verify a customer for over 4 years and providing them with everything they requested immediately to process the transfer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX 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

Upon reviewing a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies The following account is not mine XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX XXXX remove it from my credit report. 

Validate Account XXXX XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to validate should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Ive called and confirmed with each company that these accounts were up for deletion and they have still not been removed.
Product: Credit reporting or other personal consumer reports

The inquiries listed were not authorized by me and are believed to be fraudulent. I urge you to investigate thoroughly and remove them promptly from my credit report.
Product: Checking or savings account

I am writing to lodge a formal complaint against Navy Federal Credit Union concerning the multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lag in posting charges and credits. This issue is in line with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : complaint Regarding Violation of Privacy Protection under XXXX U.S.C. XXXX I am writing to formally file a complaint regarding the handing of my personal financial information, which I believe constitutes a violation of the privacy protections afforded to me under XXXX XXXX of the Gramm-Leach-Bliley Act { GLBA }. 

Verify this date As per XXXX U.S.C. XXXX XXXX, financial institution are required to protect the confidentiality and security of consumers ' non-public personal information through appropriate safeguards. Unfortunately, I believe your institution has failed to comply with these requirements in the following ways :. [ e.g., Unauthorized access to my financial records, failure to notify me of a data breach, sharing my information without my consent, inadequate protection measures, etc. ] This breach of privacy has caused me considerable concern and stress, and it raises questions about your institution 's commitment to safeguarding sensitive customer data, as mandated by law. 

XXXX full investigation into how this breach of my privacy occurred. 
XXXX steps to secure my personal financial information and prevent further breaches. 
XXXX written explanation of your institution 's safeguards to protect personal information as required by the XXXX XXXX XXXX. 
XXXX that you have addressed the issues that led to this breach. 

Please respond within [ reasonable time frame e.g., 14 days ] with your proposed resolution. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. Specifically the requested assignment contract chain and any other requested information. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone elses name, ( XXXX XXXX and XXXX XXXX ) car loan, credit cards, bad debt, and credit inquiries mixed in with my credit. I filed a dispute on XX/XX/23. They asked me to send them a copy of my social and drivers license which I did. They sent me a letter stating they didnt know what it was for. I called them on XX/XX/XXXX and was told the dispute was still in progress. I got a email saying my dispute was finish but I cant see it and my report hasnt changed.
Product: Debt collection

company started calling me out of nowhere trying to collect a debt I know nothing about and have now even started to harass me with phone calls several times a day,
Product: Debt collection

Have attempted to contact XXXX XXXX XXXX to offer {$25.00} a month payment because I am retired and that is all I am able to pay. The company hung up the phone and would not discuss.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Deletion of Incorrect Charge-Off Account from XXXX XXXX Dear Equifax XXXX I am writing to formally dispute the charge-off account from XXXX XXXX listed on my credit report XXXX I am requesting that this account be deleted from my credit report due to incorrect information and the inability to provide original account documentation verifying its accuracy. 

I previously disputed this charge-off directly with XXXX XXXX , as well as through the Consumer Financial Protection Bureau ( CFPB ). Additionally, I am concerned that credit reporting agencies, including Equifax, may not be thoroughly processing disputes. This concern stems from the XXXX recent lawsuit against XXXX, which highlights that XXXX has been closing investigations without properly reviewing or processing disputes as required under the Fair Credit Reporting Act ( FCRA ). 

This raises serious questions about the integrity of the credit reporting and dispute resolution processes, and whether incorrect information, such as the XXXX XXXX charge-off, continues to remain on my credit report unfairly. Failing to conduct a fair and reasonable investigation is a violation of my consumer rights under the FCRA. 

Given these circumstances, I demand that the XXXX XXXX charge-off account be deleted from my credit report immediately. If Equifax can not provide original documentation validating the legitimacy of this account, its continued reporting is unwarranted and harmful to my credit profile. 

Please provide written confirmation of the outcome of this dispute and any updates made to my credit report. I expect a response within the 30-day timeframe required by the FCRA. If you need additional information or have questions, you can contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Student Loan Servicing with SunTrust Bank was paid in full nine months ago when XXXX XXXX XXXX XXXX consolidated my loans. XXXX XXXX is reporting that it is paid in full. But XXXX XXXX is double reporting- again under XXXX XXXX Suntrust. This the same Parent Plus Loan. XXXX XXXX is only reporting the {$16000.00} paid in full. They don't mention the additional {$4600.00} in student loan interest they collected. I I do not own SunTrust but since XXXX XXXX got paid, SunTrust has begun reporting the account as Open and Delinquent. 

I called XXXX XXXX/ SunTrust , Recovery Default XXXX and XXXX   XXXX XXXX XXXX . Until they ran of resource to send pass me off to. All contracts state that there is no evidence of an account with them. Because I don't have one. But no one knew who is responsible to correct my credit report. 
However, I am getting turned down for credit. My bank states that I would have excellent credit if SunTrust would take the Delinquent Status off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for an auto loan and was told there was a fraud alert on my Equifax report. Upon checking, I do not have an active alert but I do see where all my accounts have been erased. I am requesting that the missing accounts be added back to my credit profile and my account unlocked.
Product: Credit card or prepaid card

My credit card ending in XXXX is a XXXX XXXX and the issuer bank is Citibank. I complained about a charge of XXXX dollars that was posted on XX/XX/2023, to a XXXX XXXX XXXX in XXXX, XXXX. The bank did an " investigation '' and determined that I was responsible for that amount. 
I believe I can not be made responsible for the following reason 1- The merchant does not exist. I never went to a restaurant by that name. 
2- In XXXX , it is illegal for a merchant to charge under a different name 3- I XXXX XXXX XXXX XXXX in XXXX and came out empty 4- I asked people and taxi drivers when I was in XXXX and no one know a restaurant by that name. 
5- In my credit card statement the merchant does not show any address or phone number 6- The bank failed to tell me who they paid, no address, no phone number. It seems to me that they paid a ghost merchant.
Product: Debt collection

This collection company is harassing me about a debt that was fraud and not mine! I demand they cease and desist under the fair credit reporting act and fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #
Product: Credit reporting or other personal consumer reports

Navient discharged my private student loan XX/XX/year>. I received a discharge letter XX/XX/year> and Navient removed my 19 year old loans as if they never existed instead of reporting them closed and paid. Their action decimated my credit profile by dropping my score XXXX points!
Product: Vehicle loan or lease

On XX/XX/XXXX, I scheduled an appointment in XXXX XXXX because I wanted to pay off my Nissan 2018 Leaf lease ending on XX/XX/XXXX. That day, My husband and I got a new loan for the remaining balance. Also, We had to come back twice over the following two o three weeks to sign the paperwork again because the Finance person forgot to include some coupons. On XX/XX/XXXX, the last payment of the lease ( {$710.00} ) was withdrawn from our account because we had automatic payments ; for that reason, I called NMAC ( Nissan Finance Company ), and they explained to me that since we got a new loan, the dealership would be care of the refund of the last payment. Immediately, I called XXXX, and the person in Finance said that once XXXX finished all paperwork, they would refund us that amount. Two or three weeks later, I called again the person in Finance said I should call the Accountant person who never answered her phone, nor called me back after several messages. One week later, I sent an email to the general manager, and five days after, the sales manager called me saying he would review the case. Five days later, I sent him a text message, and I never got a reply. After exposing my case on social networks, I got a phone call from someone who asked me again about the issue. He said he would call me back, but after two months, nobody is taking me into account, giving me an answer or an explanation. I want my {$710.00} back. I don't have to pay twice for paying off my lease following the due process.
Product: Payday loan

Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked
Product: Credit card

Received a promotional rate of no interest 1 year from XXXX XXXX XXXX Synchrony Bank for a sofa purchase in XXXX. Paper statements initially, then an email noting a charge of {$2.00} for paper statements. So I opted for emails, which in the beginning were helpful but became a nuisance because they were overlooked with other junk emails I was unable to control. 
A paper statement was perfect- paid the bill the day I received it in the mail. 
The late fee charge is {$39.00} and a suspicious interest charge of {$2.00} monthly which has totaled now to {$150.00}. If I was getting paper statements, I would have seen the FIRST late fee and made a note of it to prevent any future ones. The email reminders do not state previous payments either which is also a problem. I called to speak with someone about removing the late fees and putting me back on paper statements- they said no and also stated the {$2.00} fee per statement remains in effect if that option is selected. 
The emails have never stated previous payments or late fees incurred. Seems like they want you to sign up for AUTO-PAY which I feel is a gimmick to have control over your bank account.