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

In accordance with the Fair Credit Reporting act Convergent Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : TRANSUNION Collection : XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX  XXXX  CA XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  OF L XX/XX/2021 XXXX Collection : XXXX  XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I checked my crdit report and saw that i had a loan from Capital One Auto. I have never done any business with them or signed any documents. I have requested them to send documents so i can verify the signature and i havent gotten those documents
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute fraudulent accounts appearing on my credit report as a result of identity theft following major data breaches that compromised my personal information. Specifically, my sensitive information was exposed in the XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and the XXXX XXXX XXXX ( December XXXX XXXX  ). These breaches released key personal information required to open fraudulent accounts, which have been used without my knowledge or consent. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent accounts resulting from identity theft blocked from my credit report. Additionally, as per 15 U.S.C. 1681i, you are required to investigate disputed information promptly and remove any unverifiable or inaccurate data.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and nobody can help me out, there are never any representative available, they held the money for 180 days since XX/XX/XXXX and it over already, my children need help from me, and i really need this money back to me, this is my email : XXXX and the Reference ID : XXXX
Product: Debt collection

Good morning my name is XXXX XXXX and I'm writing to report a collection agency trying to collect a debt for XXXX XXXX. 
I wrote to XXXX XXXX in the past requesting validation of the alleged debt and I never received anything from then, now almost XXXX XXXX later Radius Global Solutions LLC sent me an email and a letter through the mail asking for payment. 
I been through complete XXXX trying so hard to clean and restore my credit, even my unemployment benefits were stolen. I had to do an XXXX verification process to prove my name Even after all of that I didn't get paid Please help me to correct this situation, is causing me tremendous XXXX XXXX XXXX  I can't believe these companies don't verified the information before they harass people.
Product: Money transfer, virtual currency, or money service

my info along with my childrens were stolen out of my truck. I believe it was used to open a numerus amount of bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for conducting an inadequate and insufficient investigation into a dispute I raised regarding inaccurate information on my credit report. 

I submitted a dispute to TransUnion concerning inaccurate account information related to litigation. However, TransUnion 's investigation did not comply with the standards set by the Fair Credit Reporting Act ( FCRA ), particularly under Section 1681i. This section requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days and to correct or remove any inaccurate or incomplete data.

Despite providing clear details on the issue, TransUnion 's investigation was insufficient and did not resolve the dispute. They failed to perform a reasonable review, as stipulated in Section 1681e ( b ), which mandates credit bureaus to ensure the accuracy and integrity of the information they report. As a result, the incorrect information remains on my credit report, which has caused financial harm and negatively affected my credit score.

Under the FCRA, I am entitled to a thorough and fair investigation of my dispute, and TransUnion has failed to meet this obligation. I request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with its duties under the FCRA.

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure that TransUnion addresses this issue in compliance with the law.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report called " XXXX XXXX XXXX '' they claim to be from XXXX  for insurance on a car. 

I never had a car or owned a car and never had insurance on a car. This collection is wrongfully reported on my credit.

I tried disputing it with buearau directly but it's still on my credit report.

This is illegal and being reported illegally.

As per the law, the credit bureau has to verify that this is mine and has to provide me with any documents or signatures or anything showing that this in fact is an account I signed up or reliable for.

I never had such account. And this is highly damaging to me. Please remove this as soon as possible or provide me with all documentations that you obtained to determine that you are allowed to report this on my credit. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX I made a loan with XXXX XXXX XXXX in the amount of {$1200.00}. The company was operating out of a Advance America store in XXXX, Ohio. Believing it was a typical small loan with going interest rate of of 24 to 28 % I signed the contract. The payments are {$330.00} per month. After making five payments I decided to payoff the loan believing The payments made had brought the loan to a small amount. I was shocked to find I still owed seven more payments of {$330.00} which totaled XXXX. The finance charge is {$2700.00} @ a rate of 307.76 %. I contacted and complained to the service center @ XXXX XXXX XXXX XXXX XXXX. I then went to my XXXX XXXX and had a stop payment made on my auto withdrawal account. I also called XXXX hot line and was assured they would stop the payment and adjust the account. This occurred around XXXX/XXXX/XXXX. 
I received a letter from XXXX dated XXXX/XXXX/XXXX saying I was obligated to still obligated to pay the seven payments On XXXX/XXXX/XXXX I receive a letter from Advance America stating their company had assisted me in acquiring the loan and they were assigned my loan which had a balance of {$2100.00} owned to Advance America.. 

On XXXX/XXXX/XXXX {$500.00} was taken out of my bank account without my authorization .There was only {$5.00} in the account.causing it to be overdrawn for a minus - {$530.00} including fees. I went to the band was told they could not do anything because the Company had changed the withdrawal amount. 
the letter from XXXX states they are going to withdraw another ( 4 ) payments of {$500.00} from my account.. The bank is trying to stop this from occurring. 

I am XXXX XXXX XXXX and can not afford to lose the amount of money. This type of operation must not continue. Finance Companies should not be allowed to take advantage of those in need of of loans especially elderly and uninformed seniors. PLEASE HELP TO STOP THIS PROCESS.
Product: Checking or savings account

On XX/XX/XXXX I transferred {$70000.00} to XXXX XXXX XXXX, with an email that the money has been received. Throughout the past month I have been on the phone, communicating through email, through their secure web messaging and instant messaging tool attempting to access my money, which showed AND earned interest online, but which I was told I was unable to access. After several tries to also communicate the issue to XXXX XXXX, my personal bank, they filed a claim and I was emailed by XXXX  ( AXOS ) that they would send a check with my funds to XXXX with no mention of which branch they were sending the money. Following the tracking, I found that my check was received in a state across the country to an individual. I now am getting no response from XXXX at all! This is fraudulent activity, and looking online, I saw that similar situations through this bank have happened to multiple people.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX {$24.00}, at XXXX {$11.00} from XXXX was deposited into my XXXX XXXX XXXX  debit card. Uber i NOT ALLOWING ME ACCESS TO THE ABOVE MENTIONED FUNDS IN ADDITION TO FORCING ME TO USE A PAY DAY LOAN ;, WHICH THEY CALL A 'LINE OF CREDIT FOR THE AMOUNT OF {$100.00}. I NEVER HAVE ACCESS TO ACTUAL CASH BECAUSE THIS PAY DAY LOAN TAKES ALL OF MY MONEY.

I HAVE ASKED THAT THEY REMOVE THE PAY DAY LOAN AND THEY REFUSE. THE REQUIREMENTS TO RECEIVE THE PAY DAY LOAN IS 70-80 RIDES. I WORK PRIMARILY FOR THEIR COMPETITION XXXX  BECAUSE THE DEBIT CARD HAS MY SOCIAL SECURITY CARD NUMBER ASSOCIATED WITH THE DEBT CARD. UBER TREATS THE CARD LIKE A " PAY ROLL CARD'.. DRIVERS ARE INDEPENDENT CONTRACTORS 1099 NOT W2 EMPLOYEES.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Once again a letter from experian saying thre still working on the issue lie lie lie lie lie
Product: Credit card

On XXXX XXXX  2024, I set a travel alert on my account as I would be traveling in XXXX until XXXX XXXX 2024. I attempted to use the only card Ive ever been sent and the card was declined. I called Citi to understand what the problem was as I had set the notification of travel. I was told that I was using an old card and that Citi must have sent me a new card via mail at some point. I checked my emails and was never send info on a new card nor did I request one. I was told another card would be sent. I then went into the app and was able to load my new card onto my XXXX XXXX. I then attempted to use the card via XXXX XXXX and was declined again. I called the fraud call center and was verified and was able to make a purchase for XXXX euros. I then attempted to use the card via XXXX XXXX for XXXX euros and was declined. Called the fraud center again, this time was told I needed to be at work for me to be verified, I have no idea what this means nor is it appropriate to ask someone to do personal business at work. Regardless, I work XXXX and this would not be an option. I hung up and called back hoping to have someone with more experience, Im then told that the only option is to have a letter sent to my home because they can not verify me. Mind you, I have given my social, secret password, Im calling from the number on the account and was able to verify the previous two times I called with my external checking account number. Which again, this is all unnecessary because I set a travel alert from the beginning. 

Lastly, for the record, this is now the second complaint I file with this company about this credit card account for the same reason.
Product: Credit card or prepaid card

Wells Fargo sent me a promotion which I registered for and met all the requirements in terms and conditions. They did not give me the account credit claiming that the offer ended on XXXX XXXX however I fulfilled the terms back in XXXX and the terms of the offer stated : " Your Wells Fargo statement credits will be posted to your credit card account within 1 to 2 billing cycles of your purchase. '' It can been seen by their official link sent in the email below : XXXX XXXX XXXXXXXX? XXXX They need to honor their terms and not change them after the promotion has started. I called and asked to be credited as it had been 3 billing cycles and they denied saying that credits do n't post until after promotion ends. However the wording of the promotion clearly conflicts with what I was told verbally.
Product: Checking or savings account

Woke up to an email saying my account has been suspended and I could not access my funds, they told me to send in my ID and I did twice, now they emailed me back saying my account has veeen closed and funds are being held for XXXX  days for no reason. I have bills and the holiday coming up I cant believe a company Ive been with for over XXXX  years would do this. I have never had suspicious activity in my account and they closed my account and are keeping my funds. They have done this to plenty of people and this should not be legal I have children and bills!