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

I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file.

Account to be blocked and deleted : COLLECTION Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} Inquiries to be blocked and deleted : XXXX  XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts XXXX {$190.00} XX/XX/XXXX, XXXX {$5500.00} XX/XX/XXXX, XXXX {$760.00} XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX Fradulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist. 

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer FCRA
Product: Debt collection

In XX/XX/2018 I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection. 
I sent a cease and desist letter XX/XX/2018. 
Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs
Product: Credit reporting or other personal consumer reports

XX/XX/2023 To whom it may concern My name is XXXX XXXX I want to file a formal complaint against Equifax for not protecting my personal information. Ive tried to correct the information on my credit report which they failed to protect. I have just found out I was a victim of a breach they had some years ago. Ive tried several times to dispute incorrect information on the report and every time they say they have investigated and has verified that those accounts are correct. Even with the knowledge that my information was part of a breach that I was not aware of until a few days ago. 

These are the account I have disputed with them and they validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These are the account that I have disputed more than once with Equifax to no end know I have collection companies calling all the time threating me. 



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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I was previously an employee of Wells Fargo Bank and at that time had setup a Team Member Checking Account which was fee free - no monthly maintenance fees. I have since left the bank as an employee and no longer use the account other than for minor purchases on XXXX or XXXX. A month ago, I received an alert that Wells Fargo had assessed my account a XXXX XXXX  monthly maintenance fee. I was surprised to see this since I had received no communication in my mail that the account was transitioning. With other banks, if something like this happens, I've received a Change in Terms Notice and something physically mailed to me to tell me that I am being adversely affected with a fee if conditions aren't met. None of this was done. I called customer service and they said there is a note on my statement a month ago saying the account was going to change in 30 days. I wasn't really happy since I never open or check my statements for this account, but ok fine. Now here we are less than a month later and I have moved all my funds out of the account with the intention of closing it and they again assess another XXXX XXXX monthly maintenance fee. Due to this new {$10.00} fee, their system will not allow me to close my account. I also called and received notification that they can not close without another {$10.00} payment, which I find ridiculous. I just want to close my account without the bank assessing me any more monthly fees.
Product: Credit reporting

I applied for credit with XXXX on XXXX XXXX, 2016 and was denied due to information obtained or supplied by Equifax. In the denial letter sent from XXXX, I was instructed to request my free credit report via online, or telephone. I first attempted to obtain via the internet. Equifax 's automated system repeatedly attempted to confuse or sell me additional information for a charge. Once I hit submit and did n't purchase any additional information, they instructed me to call. I attempted to call three separate times and all three times where denied access to my FREE CREDIT REPORT. I spent over 1 hour trying to go through a SIMPLE PROCESS of ordering my FREE CREDIT REPORT, and have failed to do so on 4 separate occasions. Ordering one 's FREE CREDIT REPORT, should be as easy as ordering an ice cream cone in my opinion ... but these XXXX credit reporting companies use tactics and processes that are confusing and frustrating to millions of consumers and the CFPB has an opportunity to make a difference. I am requesting my free credit report based on the fact that I was denied credit within 60 days. 
Can you please help? Also, besides ordering my free credit report, is there another agency that I can file a formal complaint regarding the processes and tactics used by this company? 

Thanks in advance for your help and support. Sincerely, XXXX XXXX
Product: Debt collection

To : The Office of Registered Agent for National Credit Systems XXXX XXXX XXXX  XXXX  From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act and equal opportunity act. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.
Product: Debt collection

On XX/XX/XXXX I visited a XXXX emergency medical facility. On XX/XX/XXXX I incorrectly received a bill for the balance of {$1100.00} from XXXX. Medicaid is responsible for covering 100 % of my emergency care bills. On XX/XX/XXXX Medicaid sent a Notice of Illegal Billing Action to XXXX due to the fact they are illegally billing a Medicaid patient. Despite this, a collections agency called Wakefield and Associates began illegally harassing me over this debt. On XX/XX/XXXX I confirmed with XXXX that the bill was completely resolved and paid by Medicaid on XX/XX/XXXX. I informed Wakefield and Associates of this as they called me multiple times per day. They refused to confirm with the original creditor that the debt was paid, and put the debt on my credit report a few weeks ago. I disputed the account with XXXX, but Wakefield and Associates somehow " validated '' the debt despite it being totally invalid- I called XXXX today, XX/XX/XXXX and confirmed the account was paid by Medicaid .
Product: Student loan

I have received several emails from the U.S. Department of Education urging me to both contact my student loan servicer ( EdFinancial ) and apply for the SAVE plan. I'd like to accomplish both of these things, but unfortunately, EdFinancial seems to have no record of me so I can not create an account. I have attempted to contact customer service multiple times through various means, but I am either summarily disconnected before being able to speak to a human being that can help me or subjected to obscene wait times. It is not lost on me that interest is now accruing and capitalizing WHILE I AM UNABLE TO TALK TO ANYONE AND THEY DON'T SEEM TO HAVE RECORD OF MY EXISTENCE is not lost on me. This is a textbook UDAAP violation and the fact that the federal government is currently operating via the third parties it contracts with in violation of its own laws is also not lost on me. I have very low expectations for a resolution at this point ( I've been abused by this system for over ten years now ), but this is my first time documenting a complaint. Perhaps if enough of us do this, someone will treat this like the crisis it is.
Product: Debt collection

I started attending XXXX XXXX XXXX I dont remember the exact month but what I do know is that my last day was XX/XX/XXXX and I never went back to that gym so I dont think I should have been charged when I wasnt going and I have proof it says I owe {$380.00} Im not understanding how and why should I be paying this if I wasnt attending this gym since XX/XX/2023. I should only be paying what I owed since then
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized accounts being opened in my name. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts be blocked and deleted from my credit report immediately : Accounts to be blocked and deleted : XXXX. XXXX XXXX ( XXXX XXXX ) - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2100.00} XXXX. XXXX XXXXXXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$460.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$190.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$950.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXXXXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$230.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1300.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

I do not recognize the 2 reports for factory data. And I would like them taken off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following are currently in violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I was gettin my nails done and when it was time to pay it didnt go through and the cashier said maybe you need to turn your card on. I looked at my account. 

XXXX $ {$20.00} {$200.00} {$100.00} {$100.00} {$30.00} {$10.00} {$10.00} XX/XX/29. {$13.00} Even after I locked the card they still tried XXXXXXXX XXXX 7 times but since the card was locked it failed. The most part happened in XXXX XXXX Ca, and I live in XXXX XXXX Texas. 
The people in cash app declined the charge and said I made the transactions, why would I byes cash app when it could come directly from my bank account. My bank is XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I haven't been able to receive a credit report in about XXXX years. After numerous attempts of trying to gain access to my report directly through the companies and through XXXX  I have had no success,
Product: Credit card

This account was reported to collection in error and should not be showing on my credit report. Please update and remove this negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers
Product: Debt collection

I was notified on or around XXXX XXXX, XXXX, by a letter from Seterus, Inc., who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX XXXX , Utah . I was told by Seterus , Inc., I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. Seterus provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my report this report concerning this account it is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : USAA FEDERAL SAVINGS BK XXXX Report # XXXX
Product: Checking or savings account

I opened a Discover Bank Checking and Savings account on XX/XX/XXXX. I transferred {$5.00} from my XXXX checking account for the initial opening of both accounts, which was received and accepted on XX/XX/XXXX, I had also scheduled for {$50.00} to be sent to the new account on XX/XX/XXXX. On XX/XX/XXXX I received an email that both accounts have been suspended and to call immediately, which I did. Upon calling them, I was told the accounts were n't suspended, but actually closed and the initial {$5.00} would be sent back to the issuing bank and the {$50.00} that was in the process of being transferred would be rejected and sent back to the issuing bank, as well. It is now XX/XX/XXXX and none of the money has been sent back. I called them today to find out why the money had not been returned to my issuing bank. I was told a variety of stories : 1. The issuing bank had to send a letter of indemnity to Discover in order to return the funds. When I asked why, I was told it was policy. I explained I had been told in the last phone exchange that the money would not even be accepted, so I should n't have to jump through this hoop. I asked for a supervisor. 
2. XXXX, the supervisor, continued to say that it was policy to get the letter of indemnification. I asked for the policy that dictates this. She led me to the National Deposit Account Agreement online, wherein it states that " We can close your Account at any time for any reason, including if the balance in your Account is zero. If we close your Account, funds on deposit will be disbursed to the Accountholder ( s ). '' I asked XXXX where it says anything about a letter of indemnification. She said it 's policy to require it. I told her she was a liar and wasted my time. I explained I could understand if they had policies in place to guarantee that I was me if I wanted them to send me a check, but I only wanted the money returned to the account from whence it came. I was n't asking them to return it directly to me, so they would have no loss and would therefore, not need a letter of indemnity 3. On a subsequent phone call ( we were disconnected ) to XXXX, she stated that when their " investigation '' was done and the letter received, they could release funds. I said, " What investigation? '' She said I was being investigated for fraud and that was why they needed the letter. She refused to tell me what prompted this investigation. I told her this sounded like a ruse to avoid releasing funds since it has not been mentioned in ANY other correspondence or communication. It was unlikely that I was committing fraud for {$50.00}! 

I believe Discover holds funds they are not entitled to in order to increase the interest they can get off those funds and the more hoops customers have to jump through, the better. They have told numerous lies throughout this process and they should be held accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting a XXXX account XXXX XXXX XXXX {$14000.00}, XXXX  XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( USAA ) that was previously disputed and removed from my credit records months ago return as of today on my XXXX  credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.