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

I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a protest to EQUIFAX with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EQUIFAX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Product: Checking or savings account

I opened my Wise account in XXXX, and since then, Ive been receiving my payroll into that account. However, Wise never provided me with a physical or virtual debit card to access my funds, so the money accumulated until I was able to switch to another bank with my employer. When I tried to move my money from Wise to my new bank account, they closed my Wise account. Wise claims they need to verify the source of the funds, but their own account statement clearly shows that the only incoming transactions were my payroll deposits. Since I couldn't access my money directly, I was sending funds to my current partner so that I could use my money through him, and apparently, thats where I went wrong.
Product: Student loan

This is the third time I am writing you about harassment from Capital Management Services. They have once again resorted to calling my cosigner at her place of work in intervals of less than thirty minutes claiming it 's an emergency. This is especially egregious because they denied doing so. My cosigner is a XXXX. Capital Management decided that since I was n't paying them quickly enough on my fixed income that they 'll do their best to get my cosigner fired. This harassment is ongoing. Please call XXXX XXXX XXXX in XXXX, GA to verify how many times they call daily because XXXX times when they submitted a response to this office, they knowingly lied. Why is a company openly allowed to spite taxpayers? Why is this company allowed to endanger children repeatedly by tying up the phone lines of the public elementary school my cosigner works at, when I can be reached? Will they ever face any type of punitive measures for harassment and pettiness or is that only reserved for working class individuals?
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Money transfer, virtual currency, or money service

I opened merchant account with Square on XX/XX/year> for my business " XXXX XXXX, XXXX ''. After finishing all the steps to open the new account and linked my bank account to this new account, I received email from Square claiming that I had a merchant account with them before that had a negative balance and therefore they will deduct that amount from the bank account I just linked. 
The email I received from Square didn't provide me with any details about that previous account they claim had a negative balance, they didn't mention that name of the business entity on that account, what type of transaction was disputed and caused that negative balance or the type of service or merchandise was sold through that account. They didn't provide any information at all. They just decided to take the money from my bank account without my consent or authorization. This morning, I received a notification from my bank of a debit transaction from Square with the amount of {$490.00} which caused my bank account to be overdrawn. 
I already sent an email to Square yesterday telling them I don't agree or authorize them to take fund out of my bank account, and that I need to verify all the details first about that previous account they claimed had the negative balance.
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 XXXX, XXXX, XXXX.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 Act’s 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)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX XXXX with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT #XXXX opened onXX/XX/2015 with a credit limit of XXXX-This is not my account.
Product: Mortgage

After multiple requests to cancel pmi, Wells Fargo refuses to act. Our home mortgage is less than XXXX % LTV of original purchase price and original loan prior to streamline refinance was originated in 2004. Wells Fargo is also unwilling to allow a new appraisal.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Noted extremely high late fee on XXXX statement, due date is XXXX of the month most payments were being received between the XXXX and XXXX of the month. Requested to close my account due to this activity. Company processed my account closure on XX/XX/21. The entire account balance was paid off through their website ( comenity.com ) on XX/XX/21. Received XXXX statement and noted a {$2.00} minimum interest fee charged to the account on XX/XX/21. Contacted the company ( XXXX XXXX ) on XX/XX/21 regarding the fee. Was told they could not cancel the charge since the account was closed and that I would continue to be charged late fees and interest if I did not pay. Asked to speak to a supervisor, was placed on hold for over nearly an hour and was told they would waive the {$2.00} fee. Was also informed that even though I made payment through their website I would have to know to click " save on the interest '' to have included that {$2.00} fee in my pay off transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was contacted by text message ; the sender came through as XXXX. No number was attached with contact. I thought nothing of it because I was expecting a package from XXXX that week, but tor some reason that message had a link with it, and it wanted me to XXXX  the link because my package had gotten lost and wanted me to update my information. Once I clicked the link, I knew it was a scam, but I didn't think my personal information was leaked. couple days later I gotten alert on my phone saying that I should change all my passwords due to security alert. I had a lot of important itlformation on my phone like, my ID, passport social security number. 
within these past XXXX years as I now started understanding credit and looking at my credit report, I noticed plenty of unauthorized hard inquires on my report and collection accounts that are not mine.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$12000.00}
Product: Debt collection

Below is the text of an email I sent to the Collector today. I also attached the certified cease and desist letters. I received a voice mail today from your firm and returned the call this afternoon. I spoke with an XXXX who stated I had two accounts assigned to your firm and only those two accounts. I received 30 day notices for two accounts with your firm in 2015 and sent certified cease and desist letters. I have the letters and return receipts. Your agent stated neither account was marked cease and desist. I find this hard to believe considering it has been a little over two year since hearing about this. I believe the more likely explanation is that your firm has a policy of calendaring accounts for some time in hopes the debtor has n't kept the records to prove a cease and desist letter was sent. I am on Social Security XXXX and I have no assets. Regardless of the explanation this is a clear violation of The Fair Debt Collection Practices Act. I will be sending a copy of this email and copies of the certified letters with receipts to the Consumer Financial Protection Bureau for whatever actions they deem necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is Country Door # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

This is in reference to a bankruptcy that is reported on my credit report. 
XX/XX/23 - Sent letter advising that this account is not accurate, and to please remove from my report. Never received a response. 
XX/XX/23 - Sent a second letter letting them know that this is still showing negatively and inaccurately on my report and requesting for it to be removed. Still no response. 
XX/XX/23 - Sent a third letter advising that this is still on my report in a negative status, that I have never received any response and once again requesting this be removed from my report. Again, no response. 
XX/XX/23 - Sent letter requesting method of verification and if not able to provide this, to remove from my report immediately. Again, no response. 
XX/XX/23 - Sent letter of formal complaint that they are reporting inaccurate and unverifiable information on my report. I was demanding to see their verifiable proof and that if they couldn't provide this - to remove the account immediately from my report. - Once again, no response. 
XX/XX/23 - Sent last letter advising of the numerous times I have requested this account to be verified including the method of verification and the person with whom they verified it with - or to be removed. I let them know that if this was not done, I would be filing an official complaint with the CFPB - and that is what I am doing today.
Product: Credit reporting or other personal consumer reports

The following companies reported these hard inquiries to my equifax credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am wondering why EXPERIAN Credit Report would have the following negative report on my records for 28 years. Date open XX/XX/1992 account in dispute under FCBA and closed by consumer. 
I called XXXX XXXX today and they have no record of this account in regards to a credit card. 
I will be looking for EXPERIAN to compensate me financially for the attached reporting ; causing me to pay a higher finance rate, interest on loans for the last 28 years.
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle a XXXX XXXX XXXX XXXX was totaled in a car accident. Because I am in a Chapter XXXX bankruptcy there was a certain process that I and my insurance company had to go through so that the balance I owed on the vehicle ( approximately {$2500.00}. ) would be paid first and then I would receive the balance and my insurance company would receive the car title/letter of guarantee. In mid XXXX my insurance company XXXX conversed several times with both my Attorney and Kia Motor Finance and was reassured by Kia Motor finance that they would send the letter of guarantee within XXXX business days with the exception of the XXXX holiday. We are now in XXXX and my insurance company has not received the letter. Both they and I myself have called KIA Motor Finance and they have not been cooperating. I have requested to speak with a supervisor and none are ever available. I have left my contact information and have not received a call back, an email, nothing. They have refused to discuss the holdup with my insurance company only telling them it could take up to 1 month ( 30 days ) before they send the letter. This is unethical and ridiculous. This is generally a process that takes XXXX to XXXX business days at the most. Can you please assist me and my Insurance company with this matter. At this point my Attorney has done his part. 
To verify the above information you can contact XXXX Insurance Representative XXXX XXXX XXXX XXXX XXXX. If you need to speak with my Attorney I can provide his contact information as well.
Product: Consumer Loan

This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated " Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. 
Any payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.
Product: Credit card or prepaid card

It appears someone opened an account with Chime / XXXX XXXX  using my personal information. I had frozen all 3 of my credit reports and yet this still happened. I am reporting this account as fraudulent and do not want to have my credit score damaged as a result.
Product: Checking or savings account

I have a transaction on my Cash App on XX/XX/year> at XXXX and per the app was made from unknown device and the app will not allow me to review the transaction nor remove the unknown device nor will it show me the unknown device. Upon reaching out to cash app they are only showing me transactions to the date of XX/XX/year> and advise me that they can not show me the transaction requested also advising they can not log out the unknown device and the app will not log out to unknown device either which means that someone may potentially still have access to my account! Upon advising them this information they still maintain they can offer no more information or assistance!
Product: Credit card or prepaid card

I was impacted by Hurricane Dorian in XX/XX/2019. The Governor of Florida declared my county, XXXX County, Florida under the State of Emergency order. In addition, the USPS suspended delivery of mail to my zip code, XXXX. Based on the foregoing, I did not receive my XX/XX/2019 statement from Target. I attempted to resolve this with Target but they are denying I was impacted by the storm. 

Because I did not receive my statement, I did not know I owed money to Target ( my payment due date was XX/XX/19 ). I only  learned that I was late when my credit reporting service alerted me on XX/XX/19 that Target made a negative reporting on my credit card. I immediately paid the balance due on XX/XX/19 ( {$10.00} ). 

I then called Target to dispute this matter and Target rejected my dispute and argued with me that I was not impacted by Hurricane Dorian. I had a wonderful payment history with Target up until this event and I am disputing their handling of this matter. It is clear that I was impacted by Hurricane Dorian and mail delivery was suspended in my area. I did not receive my XX/XX/2019 statement and was late with payment as a result.