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

XXXX. Experian. XXXX. 

Multiple dates and occurrences I have shop for an auto loan, several different times, and within the 14 day. They never lumped those all under one inquiry rather each inquiry within the 14 day period has been reported as one individual per creditor resulting in numerous and an exuberant amount of inquiries on my credit report not only that XXXX and experience, both have input inquiries on my credit report from themselves on hundreds of different occasions as XXXX XXXX is refusing to give me a copy of my credit report. All of these things can be verified in the documents that I have uploaded.
Product: Credit card or prepaid card

While on vacation in XXXX during the first two weeks of XXXX I used my capital one credit card to get some cash advances. 

even though I paid my credit card with all fees at the end of XXXX after my return, again at the end of XXXX capital one is charging me a minimum {$.00} interest charge in the month of XXXX. 

I pay my credit card on time in fact I go online and see what the true debt is, which is much more up-to-date than the snail mail statement which I get. I actually pay more than what each bill is. 

in XXXX my bill was {$2900.00}. I actually paid {$3100.00} because that was what I could see online was my true debt. I did the same the previous month so there is no way they should charge me interest because I took a cash advance the first two weeks of XXXX. 

so in XXXX I paid off my whole bill but I did not notice in the fine print they charged me {$5.00} in interest. 
now this month which goes XXXX XXXX to XXXX XXXX they are charging me {$.00} in interest. 

this is fraud. I 'm sorry plain and simple but my bill had been paid over in above but yet they tried to make me pay first {$5.00} and then another {$.00} this month. they would 've Charging me every month forever just because I got a cash advance. 

I received resolution from capital one and they are returning me the {$5.00} but that is totally beyond the point. they are probably milking millions of people like this. something should be done, and I would like to hear back about what you going to do
Product: Student loan

I called a few times. And they tell me my social security not pulling up in the system. I made payments in the past and they still took my taxes XXXXyears straight. Even Sallie Mae took money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 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 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXXXXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}
Product: Credit card or prepaid card

In XXXX of XXXX I went to the XXXX XXXX to buy my wife a car. I was informed by the car salesman that I was approved for a line of credit through Comenity Capital BankXXXX. The account was opened and I was under the impression it was set up on automatic payment. Once I found out that it wasn't being paid automatically, I made every effort to resolve the debt. I talked to an agent from Comenity in XX/XX/XXXX and set up a payment plan to XX/XX/XXXX out the debt. They took payments from my checking account on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, and XX/XX/XXXX for {$100.00}. The agent had informed me once the final payment was received that they would remove this account from my credit report. They did not remove it and furthermore they sold the debt to a company called LP. I contacted LP and they told me they showed an outstanding balance of {$460.00}. I agreed to pay them if they removed it from my credit report. I payed {$460.00} to a company called XXXX XXXX on XX/XX/XXXX. This account is still on my report and I don't seem to be able to get any agency to remove it. I am a father of XXXX with a mortgage, car payment, and I am on XXXX. I am trying to refinance my home and this account on my credit report is making it impossible. I would never knowingly let an account get to this state. I am being responsible and making payments on time for all my other accounts. Please help in this matter. Your help is greatly appreciated.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX I arrived home after a trip and received a Cash App card in the mail. I had not requested a new card to be mailed in my name, i already have a cash app account, But the card that I received was in my name and it arrived to my address, but I never ordered it. I looked up the cash app tag name and the account was created 1 week ago, but I have never requested another account to be made. My cashapp card isnt supposed to expire until XXXX  so I don't know why I was receiving another Cash App Card. So someone is using my information to open accounts. I want to make sure that this person is not able to open anymore accounts suing my information, I want to know the person responsible for doing this and opening accounts in my name.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, someone have my information and they are using my information to open credit cards accounts, I have requested to XXXX, XXXX and TransUnion to remove this faults information, pursuant to section 605B of the Fair Credit Reporting Act and they are refusing to remove base on a valid FTC, I am demanding that this information be block and remove from my credit report, because I have No knowledge who did this, the accounts they are refusing to remove is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00},
Product: Checking or savings account

Wells fargo Fraud Claim Case # XXXX : WELLS FARGO REFUSAL TO RETURN STOLEN FUNDS XXXX SCAM XXXX  XXXX I am writing to dispute fraudulent XXXX charges on my account in the amounts of {$5000.00} and {$5000.00} ( totalling {$10000.00} ), and posted on XX/XX/XXXX. 

I am a victim of identity theft, and I did not make these charges. On XX/XX/XXXX I called WellsFargo Fraud department and was told my claim was denied and closed. 

I am requesting this case to be reopened to provide further evidence. Police have been contacted, report to follow. Statement included on Identity Theft Report below. 

Furthermore, I request that you remove the fraudulent charges and any related finance charges and other charges from my account, send me an updated and accurate statement. 


on XX/XX/XXXX, I received text notifications from a wells fargo phone number that 2 recipients were added to my wells fargo XXXX  account. i checked my account and they were indeed added. within seconds i received a call from a person claiming to be wells fargo fraud dept asking if i initiated transfer to these 2 individuals. i said no, they sent me a texting asking to verify my identity. i provided them the code in text. They said the charges are pending and would be returned by monday. They processed XX/XX/XXXX in a total of $ XXXX. i called wells fargo directly at this time. They denied contacting me friday. I also received a text asking if i was togging in from XXXX texas. i also received notice that my data was leaked in the change healthcare breach on XX/XX/XXXX. On XX/XX/XXXX wells fargo denied my fraud claim.
Product: Debt collection

I have been falsely accused of paying over {$5000.00} at a XXXX XXXX in New York on the date XX/XX/XXXX Someone bought tires under my name and it is fraud. It has been reported to the XXXX police and I have sent a police report to the people I am trying to dispute this claim to. I have never been to New York, nor are there any records of me ever going to New York to complete this purchase.
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX, when it is not mine. Ive been trying to have it removed for so long because its being illegally reporting. 15 usc 1681 I need it removed immediately!!!! 
Its also now reporting as open, when the account isnt mine and XXXX has it removed. Please remove
Product: Consumer Loan

SUNTRUST PUT HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a identity theft affidavit to XXXX XXXX and XXXX  on XX/XX/XXXX and XX/XX/XXXX that these 3 accounts that were showing on my credit did not belong to me an that i had never applied for these loans or cell phone services. im attached the follow documents i sent them so they can block these accounts which is requested by the federal goverment law. Please see attached affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 and FCRA Section 605B. After reviewing my credit report, I have found discrepancies that need to be addressed promptly.

Upon thorough examination, it has come to my attention that certain information on my credit report has been provided or obtained without my explicit written consent. According to the FCRA Section 605B, no consumer reporting agency may furnish a consumer report containing certain personal information unless the consumer has provided written consent. 

I wish to emphasize that I have never provided written consent for the furnishing or obtaining of my personal information by your agency. Therefore, any information obtained or reported without my explicit written consent is in direct violation of the FCRA. 

I kindly request that you investigate this matter promptly and remove any information on my credit report that has been provided or obtained without my written consent, as required by law. Additionally, I request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please be advised that I reserve all rights under the FCRA and any other applicable laws to seek remedies for any violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

* ITEMS THAT WERE SHARED WITHOUT MY WRITTEN CONSENT THAT I DEMAND BE REMOVED IMMEDAITLEYXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX {$340.00} ACCOUNT NUMBER XXXX  THE XXXX XXXX BANK- {$490.00} ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED XXXX XXXX BANKRUPTCY - Sincerely XXXX XXXX
Product: Debt collection

Capital one hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect {$700.00} the was discharged but capital one kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote capital one and know capital one is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX. I never had a account with XXXX or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by capital one to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess. There is a file XXXX # XXXX I never opened new account with this company I called and Capital one once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old. Thanks you for your time XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated XXXX, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need two documents for identification and current address. 

Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. 

WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. 

Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. 

After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. 

I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. 

For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!
Product: Credit reporting or other personal consumer reports

I was applying for a loan and when I applied I got a adverse action saying my credit score is XXXX which is very puzzling to me because under XXXX XXXX it's XXXX, also under XXXX XXXX ( Which is TransUnion ) also says XXXX. There are certain things I applied for that I should get approved for with the score I think I have but if they are showing a different score somewhere else that is very frustrating. If that's the case who else are they showing different scores too? I will attach scores that I see through to different areas. And I will attach adverse action which down the page a little shows a completely different score
Product: Money transfer, virtual currency, or money service

I have unknowns payments to a girl on my cash app thats unknown to my behalf and I want my money back from the payments
Product: Debt collection

all negative item should be removed ASAP and this is the second time there have been a data breach with my information nothing was investigated no response there either
Product: Credit card

XX/XX/XXXX : Spoke with XXXX in customer service, she indicated she couldnt waive fee, but would speak with corporate to get fee waived, but was disconnected after XXXX minutes on hold. Phone call at XXXX XXXX EDT. 

XX/XX/XXXX : Spoke with XXXX in customer service and he outright told me he couldnt waive fee, was placed on hold and he returned with same answer.

I indicated to both I do not receive bills online and do not want to receive bills in that manner.
Product: Money transfer, virtual currency, or money service

XX/XX/20 - I called ClearOne Advantage to cancel my account with them, due to a lose of income and not being able to afford their services going forward. I was told that the cancellation request was submitted and would be worked on. 
XX/XX/20 - I inquired on the status again of my account as I had seen that {$680.00} had been withdrawn from my bank account after I had requested to cancel. I was transferred to a representative that instead of listening to my request, would not honor what I was saying and tried to get me just to stay with the company. 
XX/XX/20 - I called ClearOne Advantage and was told that instead of just being able to cancel they are in turn going to charge me another {$3000.00} although I've been paying them well over the stated amount that was agreed upon during my initial signing with them. I feel that they don't take into account their clients and instead work on just getting people through their call log since they are working on commission. The settlements that they worked out for me seemed to have cost more in their fees to put money in their own pockets. They don't care about their consumers. I reached out for help from this company only to find that they aren't protecting me and my well being in the long run.
Product: Checking or savings account

I have been banking with Bank of America since XXXX and have never had any issues with the bank until this day. XX/XX/XXXX. I have incoming and outgoing zelle transfers from my family and friends on a weekly basis. I rely on this account to send my family money in another country XXXX to be precise and to receive money from friends when I cover the bill on expenses due to our job. I am a XXXX  and work in different areas once a new project is given. I signed into my account this morning and saw that my accounts were not there. It concerned me so I called the bank immediately and the representative I spoke to said my accounts were going to be closed due to XXXX. I was not given a clear indication as to why this decision was made. I looked up the terms and conditions of XXXX and I dont see where I have violated any rules. I am fully aware who I send money to and that Dollar and frequency limits apply. I thoroughly read the Online Banking Service Agreement at bankofamerica.com/serviceagreement. I am very displeased, upset, disappointed, etc because I rely on this account heavily. My automatic drafts and direct deposit come to this account. I was not given any notice or some type of alert that anything seemed suspicious or concerning to the bank. I want this to be resolved as soon as possible because it has to be some type of error on their end
Product: Credit reporting, credit repair services, or other personal consumer reports

But my credit report there's a company called driveway it is listed with all three companies account number XXXX. The XXXX type on the account is showing auto financing for XXXX and XXXX and finance/personal for XXXX none of the three are correct and it should be as credit sales. The contract will sign in the dealership and let me add that the balances are incorrect. Shows how balance of {$8400.00} and also a balance owed of {$3400.00}. The account is listed as closed and collection / charge off with an owed amount that is incorrect as well. The vehicle was repossessed and auctioned however gap insurance was a part of agreement. If the finance company filed the gap insurance the balances are incorrect. I have sent validation letters to the bureaus get no validation letter has been delivered to me as requested. I would like to document the certified mailing as of XXXX for XXXX and XXXX