23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report. The late payments for the XXXX, XXXX XXXX, and XXXX XXXX are incorrect. They are reporting inaccurate information. I was never late! I am being taken advantage of as a consumer and these reports negatively impact my credit. I have disputed these accounts and made the Equifax aware of my discoveries and that these incorrect inquiries are on my report without my knowledge, consent, or authorization. I have sent out a number of letters on XX/XX/2023 and XX/XX/2023 and there has not been any response. I have tried on a number of occasions to rectify the matter at hand. These matters violate my rights under 15 USC 6802 ( B ) and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and identity theft. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to prevent further harm. 
Accounts to Block and Delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I filed XXXX  XXXX Bankruptcy ( Case # XXXX, XXXX XXXX  North Carolina ) on XX/XX/2023. I request the creditor cease all communication to not violate the stay of debt collection as imposed by the bankruptcy court. Further communications from the debt collector will result in communications from my legal counsel, XXXX XXXX XXXX of XXXX , NC.
Product: Credit reporting

XXXX has a collection on my Experian credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belongs to husband. I have also communicated this information with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .
Product: Debt collection

I was promised accuracy on my credit report based on federal law. This is another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681 all unverified information must be removed. My identity was compromised due to a data breach
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initiated contact with Equifax concerning the following erroneous information on my credit report. As of the present date, I have not received any response from them. I hereby provide the details of the inaccurate information and the necessary corrections required : Inaccurate Account Details : Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX
Product: Debt collection

Citizens Bank claims I owe payment for a security system placed on a house in XXXX Florida. 
I do not own a home in Florida, only XXXX XXXX XXXX XXXX, Pa. I have lived here over 30 years, moved here XXXX after marrying a guy from XXXX. 

I went to a local branch to have them file the fraud report, then to XXXX Police department to file a complaint. Copy of the police report was sent to Citizens, ATTN : ID theft operations at XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; I also called XXXX, as per the Chairmans office request, and told them but they only sent an email which I also forwarded to Citizens. Fax XXXX Since then, I looked at my credit report with XXXX, XXXX, and XXXX and found all three had an address for XXXX XXXX XXXX XXXX, XXXX, Florida as well as my XXXX home address. 

I had to dispute the XXXX address, as well as mispelling of XXXX as well as mispelled XXXX. Also multiple phone numbers, that needed to be deleted. From what I can tell, these are being corrected, although now XXXX supposedly, removed my XXXX address. I uploaded my drivers license and XXXX bill for them to make corrections. So Citizens bank is the business that needs to be aware, my identity was used for a fraudulent purchase, a XXXX security system. 

Citizens bank shared this issue should be resolved by XX/XX/XXXX. All the use of my identity for the said purchase occurred in XXXX of XXXX. What I don't understand is I live in a home purchased for {$50000.00}. I looked up the home is XXXX and its valued at over {$700000.00}. 

I am a retired nurse practitioner. I never made alot of money to own this extravaganze. I don't have security on my home in XXXX. Identity protection is an issue if even the credit reports all have false information. Until now I did not look at my reports but now plan to share this important issue with others.
Product: Mortgage

We have been waiting for this company to get an appraisal on our land home package loan since mid XXXX so we can close. We have done everything we're able to do but because their vendors do not want to drive to the rural property, we are unable to move forward with closing. Our contract on the land is up XX/XX/2021 and we were just informed of their issue in finding an appraiser willing to drive on Monday XX/XX/XXXX. There is a very good chance we will not be able to close on this land home loan because of their vendors incompetence. We've already sold our prior home because they requested to see that loan paid in full. Now we're stuck without a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have called SLS to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX  some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. SLS refused to talk to XXXX  about the situation.

I have never filed bankruptcy nor before this issue have I had any issues with my credit.

XXXX  has resolved the issues and fixed my credit back to 100 %. SLS has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Product: Debt collection

XX/XX/2024 : I received a text message from Reliant Capital Solutions about oweing a debt with a file number. I was able to get into the file and saw that I was not the person/ legal guardian/ financially responsible for the money owed. The account I was able to log into with the file number provided and my phone number gave me the financially responsible persons full name, address, the amount of debt owed, the company its owed to, and file numbers. That information should not be shared so freely. 
I had no right to that information, when I called and spoke to someone she just apologized and said wrong number was put in. I asked if I could talk to someone because that is pretty serious and she essentially said that it was an accident, stated I wasnt the one doing business with them, and it wasnt a legal issue.
Product: Student loan

I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.
Product: Credit reporting or other personal consumer reports

Accounts were removed from Experian but remain on XXXX and/or XXXX. 
Account 1 : Removed from Experian on or around XX/XX/2024 but remains on XXXX and XXXX. 
Account 2 : Removed from Experian and XXXX on or around XX/XX/2024 but remains on XXXX. 
Account 3 : Removed from Experian and XXXX on or around XX/XX/2024 but remains on XXXX. 
Account 4 : Removed from Experian but remains on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is fraudulent and needs to be removed : XXXX XXXX ( XX/XX/22 )
Product: Checking or savings account

On XX/XX/2023 a debit was taken from my US Bank Checking account ending in XXXX in the amount of {$2900.00} I kept trying to call US Bank to dispute but they first told me they had no records of an account profile under my social! Then I was told they did not see the transaction. I demanded the fraud department and they told me I my account was notated that I had to come inside the branch! I told them Im not mobile and have no way of getting there and why did I need to come but they gave me no answers! To date they still have not opened up a fraud claim. I reached out to the merchant that stated this was credited to an account NOT in my name!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. Equifax, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Product: Checking or savings account

In XXXX my business account - paypal requested confirmation of products delivered which I provided without a problem. My account was closed permanently. This is my business account, all my market places go through paypal so this was a problem. I filed a complaint with the XXXX and within a few days around XX/XX/XXXX my account was fixed and a letter explaining it was an error. XX/XX/XXXX again Paypal requested confirmation of delivery of products from my company sales. Again without a problem I provided the information. Yet again I get a messege that my account was being closed permanently and the money in my account would be held for 180 days. I need this money I have bills and need medication. I tried to reach out to paypal several times and they continued to ask for more and more information and I have provided with no problem. Still holding my funds, I have medication which is {$550.00} I need and I can not pick up because Paypal has my money. Now paypal has closed my personal account and my husbands account. The last time I had problems with paypal was years ago when my truck was stole and my ID was taken and I had lots of fraud. That was several years ago and I thought that was all behind me. I understand that Paypal protects against fraud and I appreciate that so I have no problem every providing the information they request when it is requested- but when I provide and provide the items they request and they still close my account and hold my funds that is wrong. This is my business and my money. This issue has been a week now and it has cost me lots of time and money dealing with this
Product: Money transfer, virtual currency, or money service

Transferwise uses XXXX XXXX XXXX Bank as its partner bank. Wise advertises a {$4.00} flat fee for receiving USD from overseas using XXXX. Wise also lists under my USD balance account information that the routing, account, and XXXX numbers are for " my account ''. 

In reality, these transactions are being routed through XXXX using their routing and XXXX numbers, incurring fees that are not published nor disclosed by either XXXX nor by WISE. XXXX does not publish any fees fee information, but that is the subject of a separate complaint. 

As Wise 's chosen XXXX XXXX, Wise is aware of the additional fees that it's clients may incur through their relationship with XXXX. 

Wise has chosen to misrepresent the routing/account/XXXX  numbers as mine and/or theirs, and they have also chosen not to disclose the actual costs associated with using their services - information which is available to them but which is not disclosed on either Wise 's website nor on the website of their partner bank. 

This intentional obfuscation of the actual costs of doing business with Wise led me to choose their service as the more affordable option when, in reality, their price was too good to be true. 

When speaking to a customer service agent, I was told that XXXX transfers pass through many banks with each taking a cut. In this case, the total was exactly {$30.00} - the same amount that my bank would have charged for me to receive the money directly. In addition to this undisclosed cost which both Wise and XXXX chose not to disclose, I also paid Wise {$4.00} for the privilege of receiving the money as well as an additional {$.00} fee for sending the money to my checking account. 

I believe that Wise intentionally misrepresents the costs of doing business with it. They stated repeatedly that XXXX is their partner bank, and as such, there should be full disclosure of the associated costs of using Wise 's services. 

At the heart of my problem is the fact that Wise won't disclose to me - either online or over the phone- whether their partner bank charges for this service. XXXX also does not answer the phone, and I was unable to communicate with anyone there. 

I understand that it would be different if we were talking about an intermediary bank, but in this case, it's represented as a partner, so I find it difficult to accept that Wise would simply not know about potential additional costs. It's even more damning for a company which advertises its " transparent fees '' to partner with a bank which intentionally obfuscates its fees. 

Wise has an obligation to its clients to give a full accounting of the actual costs of using its services, and in this case, it appears that they have tried to do the opposite in order to gain a competitive advantage.
Product: Credit card or prepaid card

As of XXXX XXXX til now I have great frustrations due to monies being taking from my account because of fraudulent activity which I assume is within the company. Each XXXX day of the month, the state deposits {$230.00} to my account and before I can make a withdrawal, my funds are automated drafted by companies that I have not visited or purchased from. This affects my entire family due the funds are deposited by the state for the needs of my children. I have had three cards canceled and replaced only to have the same issues. Im just sick of it!! My card stays in my possession but being told by one company that my card is used within the store to make purchases, baffles me. Apparently the fraud is within the company division where as to duplicate copies of the card is made and are being used sending my card either into overdraft or monies taken. Sad enough that the entire world is affected due to the pandemic of COVID, its even horrifying that people with accounts are suffering financial losses because of petty thieves and hackers who STEALS!!! What makes matters worse, is not being able to talk to a live person to rectify the problem or or being transferred to a certain division to rectify the situation only to be on hold for hours until they HANG UP!! Its very discouraging. They send out papers to dispute the charges, you return them only to get a letter telling you that they saw that there was no fraud. So basically, its easy for the scammers to take the money but its no luck getting your money back so it continues to happen. This company should be investigated, starting with those who works in the department of creating the cards. This is happening way too much and to too many people who now suffers majorly from hundreds of dollars of the states money being stolen. This is not right. This is not fair. There should be a more strict security policy to keep things like this from happening. I beg you to please investigate this problem for the sake of myself and other cardholders who suffers the loss. Show that you care and that you are not apart of a company that is taking from us. Thank you so much
Product: Credit reporting or other personal consumer reports

A loan of {$9300.00} from XXXX XXXX XXXX appeared on my XXXX XXXX. contacted XXXX  and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX XXXX XXXX XXXX FROM THE XXXX REPORT. please contact at XXXX for further follow ups.
Product: Debt collection

I discovered two colllections for XXXX XXXX for service to a Rhode Island building that had burned down on XX/XX/2015. Service and billing was extended long past the date of fire despite service being disabled by Fire Department ( building was completely consumed ). In addition bills were sent to an address to Texas where I never lived. 
I negotiated with XXXX XXXX pay for deletion which they referred to Transworld Systems who responded in agreement, and I made my payment, but it is several months after payment and many letters later, and Transworld Systems still will not delete the collections despite the billing errors and written agreements and follow up letters requesting the deletion be honored and the billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair card it reporting act XXXX those account has violated my right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian charged me monthly to monitor my credit report with all three bureaus Experian XXXX and XXXX. They reported mis information on all yet my credit score did not increase with any of the bureaus. Yet they changed monthly for mis information.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies didnt follow procedures to investigate before reporting fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019 I transferred my debt to Commerce Bank and wasn't told about interest on purchases. Then i made purchased varies in dates and found the first interest charge. Well I kept calling to find out how much I needed to pay to have the interest to stop. I kept paying what i was told and still being charged interest. On XX/XX/19 I  finally asked to speak with manager and the guy said he couldn't tell me anything other than that i still needed to pay XXXX dollars. He couldn't tell me how much more i needed to pay to get it to stop. So some of my payment went to the purchases and the balance. So I am being robbed. I asked for the XXXX interest charge to be removed if i paid the amount that day and the lady on XX/XX/XXXX submitted it. The manager said it got denied because it wasn't a bank error.
Product: Money transfer, virtual currency, or money service

U.S. Bank is refusing to cash a U.S. Bankissued cashiers check despite valid ID and full compliance. They have not cited a valid reason and appear to be stalling or attempting to coerce account opening. I am a non-customer and understand there may be a fee, which Im willing to pay. I am currently in their branch and being denied access to funds legally owed to me