23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a check on XX/XX/2022 and was told it would be cleared on Monday, XX/XX/2022. The check in question is being held until XX/XX/2022 and is going to cause a late payment for my mortgage. Also even after not opting in for overdraft protection, I am still having my account pay out reoccurring debts causing several overdraft fees to hit my account. My account is being overdrawn in the same manner as a previous investigation by the CFPB. 

XXXX XXXX XXXX
Product: Debt collection

CAINE & WEINER have been constantly calling me for debts that are not mine and knowingly know that i have not contractual agreements with them. nor have I open any account with them XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX has violated my rights -- see USC references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : XXXX XXXX
Product: Credit reporting

I have XXXX late payments listed on my credit report because the monthly statements was sent to the wrong address.I have requested that all credit card companies sent my monthly statements to my XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX rather then XXXX XXXX XXXX, XXXX, Louisiana XXXX. The XXXX XXXX XXXX, XXXX, LA XXXX address is a box on the street which anyone can just come alone and steal mail out of this box on the highway.Send all mail to XXXX XXXX, XXXX, LA XXXX for security reasons so packages are not stolen if I 'm out of town on vacation or ill due to sickness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SUBMITTED A CFPB COMPLAINT AGAINST TRANSUNION, REGARDING THE UN-AUTHORIZED REPORTING OF TRANSACTIONS AND EXPERIENCES ON MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, AND WITHOUT MY EXPRESSED WRITTEN CONSENT. I UPLOADED A COPY OF MY FTC I.D . THEFT REPORT AND ATTACHED IT TO MY CFPB COMPLAINT. I REQUESTED THAT TRANSUNION REMOVE AND DELETE WITHIN 4 DAYS OR PAY ME {$1000.00} PER MINUTE FOR THE FRAUDULENT INFORMATION THAT HAS BEEN POSTED ON MY CREDIT REPORT PER 15 USC 1681C-2 ( A ). TRANSUNION FAILED TO REMOVE AND DELETE AS I REQUESTED. I RECEIVED AN IDENTITY THEFT-RELATED REQUEST LETTER DATED XX/XX/2021 FROM TRANSUNION DECLINING TO BLOCK THE INFORMATION THAT I REQUESTED ACCORDING TO 15 USC 1681C-2 ( A ). TRANSUNION DETERMINED THAT MY REQUEST HAS EITHER A ) BEEN MADE IN ERROR ; B ) IS A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND/OR C ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE. IN RESPONSE TO TRANSUNIONS REASONS TO DECLINE THE BLOCK OF MY INFORMATION A ) MY REQUEST WAS NOT MADE IN ERROR ; B ) THERE WAS NOT A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST ; C ) IF I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE, THEN PLEASE HAVE A SENIOR EXECUTIVE FROM YOUR COMPANY CERTIFY UNDER PENALTY AND PERJURY THAT I RECEIVED GOODS, SERVICES, OR MONEY. TRANSUNION HAS FAILED TO PROVIDE A SPECIFIC REASON TO DECLINE MY REQUEST. TRANSUNION HAS ALSO FAILED TO PROVIDE ANY PROOF OR RELEVANT DOCUMENTARY EVIDENCE OF THIS DECISION. TRANSUNION OPENED A RE-INVESTIGATION OF THE DISPUTED INFORMATION BUT HAS FAILED TO PROVIDE DOCUMENTARY EVIDENCE OF THE INVESTIGATIVE CONSUMER REPORT OBTAINED VERIFIED BY THE NAME OF A MAN AND/OR WOMAN THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES. TRANSUNION FRAUDULENTLY PLACED AN EXTENDED FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT AND DIRECT REQUEST, OR ON MY BEHALF PER 15 USC 1681C-1 ( 2 ) ( B ) ( 1 ). TRANSUNION IS ALSO IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY CONTINUING TO FRAUDENTLY REPORT INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES THAT ARE SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT THAT I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT TO. THIS HAS CAUSED DAMAGES, AND INJURIES TO MY NAME, REPUTATION, CHARACTER, AND CREDIT CAPACITY. I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called a company name XXXX XXXX XXXX with an inquiry dated for XX/XX/XXXX. listed on my credit report to request a copy of the credit inquiry or credit account and full documentation bearing my signature allowing them to pull and place a credit inquiry on my XXXX and Equifax credit report. I spoke with XXXX in customer care, who was very rude by the way. She could not find an account nor a credit inquiry with my name or SSN as well. She connected me to someone else by the name of XXXX in customer service who didn't have a badge number as well, that there is no account nor a credit inquiry with my name and that is all the information they could give. They didn't care to hear my concern about the false credit inquiry, being reported and damaging my credit history.
Product: Debt collection

In XX/XX/year>, I did a consultation for XXXX XXXX paid in advance. They stated I should apply for financing for their program online. They stated I was approved. I did not receive anything as far as paper to read to understand anything regarding the program with Cherry Tech ( financing ) or XXXX XXXX. After that day, I was XXXX XXXX XXXX XXXXXXXX XXXX and XXXX most of the week and canceled all appointments and stated to Cherry Tech that I could not continue. They stated to file a dispute since I did not hear from anyone at XXXX XXXX. I do not owe anyone for I did not receive any services after the one day which I paid for in advance. Cherry Tech is now reporting me late and credit score went down XXXX points.I also was to do jury duty. Sent letter from doctor to court, in turn was dismissed. Cherry Tech did not consider my health issue and continues to hamper my well being by misguiding me with solutions and still behind the scenes, state I do not pay my bills and damaged my credit. I did not receive services and one reason, could be their practice is not good for my health. I believe the credit report states I owe XXXX. For what?
Product: Student loan

This problem is not about a loan I have. I am being harassed by Sallie Mae about my niece 's loan. I am not even a co-signer on it. 

XX/XX/XXXX- I was called by a representative named XXXX XXXX from Sallie Mae . Apparently, when my niece first applied for a college loan in XXXX, she put my name down as a reference. She is having trouble paying right now because she recently had a XXXX XXXX XXXX XXXX XXXX, and is only working part time. So, because my niece put my name down as a reference 10 years ago, these people called me because my niece won't answer her phone. I called them back the same day to complain and I told them not to ever call me again, that they have my niece 's contact information, and I can't make her answer the phone or call. They assured me I would not be bothered again. 

XX/XX/XXXX XXXX - There was a voice mail message on my phone from someone at Sallie Mae. I could not hear the name, but I believe she said her agent number was XXXX. She said her extension is XXXX. Again, she was saying she needs to talk to my niece and wants me to call her back immediately, and wants me to do anything I can to get my niece to return the call. 

I am not getting into my niece 's business and she isn't going to listen to me. I've told my niece to stop avoiding the calls, I can't do anything else. I have enough to do in my own life to help these Sallie Mae people. My husband and I have two elderly mothers and his XXXX sister to care for right now, and I work full time at a very demanding job. I am furious that they called me again after I told them already that I am not going to get involved and they assured me I would get no more phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXXXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XXXX XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian and XXXX XXXX XXXX XXXX : Request for Removal of Birthdate and Social Security Number Due to Identity Theft Dear [ XXXX XXXX Experian XXXX XXXX ] Customer Support Team, I am writing to formally request the removal of my birthdate and Social Security number from my credit report due to concerns regarding identity theft and a recent data breach. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The unauthorized exposure of my personal information has heightened my concern that keeping sensitive information, such as my birthdate and Social Security number, in my credit file poses further risks for potential misuse. To help safeguard my personal data, I kindly request that you remove my birthdate and Social Security number from my credit report. 
Enclosed, I have included documentation, including proof of my identity and relevant reports filed with the FTC, substantiating my identity theft concerns. 
Please confirm in writing once this information has been removed. For further inquiries, you may contact me at XXXX or via email at XXXX. 
Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX
Product: Debt collection

Traffic citations that were reported and was sent to collections, they had incorrect address XXXX, XXXX  thing is the whole profile is inaccurate. They opened a case and I submitted supporting documentation to prove to them that it is not me. this is blocking employment opportunities for and my future down the line. I told them to provide me with evidence it was me
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you are doing well as I write this. I'm writing to alert you to a troubling issue about the reporting of late payments on my XXXX account with the first four  digits XXXX. I believe that my rights as a consumer, as protected under federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date outside of the billing statement. 

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. Additionally, you failed to provide me with the correct notice required by 15 U.S.C. 1681s-2 ( 7 ) for the provision of written negative information to me as a consumer. In accordance with 15 U.S.C. 6802 ( b ), I was never given the chance to choose whether or not my information or account will be provided to outside parties ( all credit agencies ). I asked that you update this late payment that was XX/XX/XXXX that was opened on XX/XX/XXXX to an on-time payment. 
This late payment has been adverse to me as a consumer who always pays on time. I trust that you will handle this matter with the urgency and professionalism it deserves. Please provide a written response within 30 days of receiving this letter. I appreciate your quick attention to this issue and eagerly await your reply. I appreciate your prompt attention to this important issue. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is not mine and is included on XXXX and Transunion reports : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX This is included on Transunion report XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX These are both addresses that my ex used to commit tax fraud. 
XXXX info : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used TransferWise services ( now called Wise XXXX in XXXX to transfer US XXXX to XXXX ( my home country ) and receive it in euros. I transferred over US {$100.00}. 

I intended to use Wise services on XX/XX/XXXX but they decided to block my account. I appealed the decision online providing pictures of myself and my US driving license. They came back on XX/XX/XXXX with an email saying the account will remain deactivated and that I lost all my personal data and information I had. 

I called Wise customer service ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they said the decision was final and they could do nothing on their side. I offered sending additional information ( my ID, passport, personal picture, anything! ), but they said that was no longer possible. I suggested creating a new profiled but the customer agent said it is not possible to use the same US phone number linked to my original account as it had been banned from their system. 

I asked to make a claim, they said they filed it on their side and that she would pass the call with the complaint team but she hang up the call instead. 

I feel so frustrated because I can not even collect the historical transfer data I have in their system, which is really important to me and to my Bank in XXXX to demonstrate the transfers made. I can not use their services in a situation where I do need them, just because they chose not to, unilaterally, without any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a responsible individual, I understand the importance of maintaining a good credit score to secure financial stability and future opportunities. However, life can sometimes throw unexpected challenges that take a toll on one 's financial situation, resulting in missed payments and increased debts. Due to unforeseen circumstances, I have recently gone through a hard time that has impacted my credit score negatively. I fully recognize the gravity of this situation and am actively seeking ways to rectify it. I understand the significance of having a clean credit report and the effect it has on my overall financial health. Therefore, I am making every effort to clear my debts and make timely payments to improve my credit score. I am writing to you regarding the matter of the debt assigned to me by XXXX XXXX XXXX on XX/XX/XXXX, originally amounting to {$890.00}, also assigned XXXX XXXX, XXXX originally amounting {$590.00}. I am also writing reguarding XXXX XXXX XXXX XXXX assigned XX/XX/XXXX original amount owed {$840.00}, also date assigned XXXX, XXXX XXXX original amount owed {$260.00}. While I understand the need for medical providers to collect and maintain patient information for purposes of treatment and billing, I want to bring to your attention a growing concern that has become prevalent in recent times. This pertains to the unauthorized sale of personal data by companies without the knowledge or consent of the individuals concerned. As a consumer, and a patient of XXXX XXXX XXXX, I have the right to expect that my personal information is protected at all times and not misused for profit-making purposes. In fact, the Health Insurance Portability and Accountability Act ( HIPAA ) of 1996 was enacted specifically to safeguard the privacy of personal health information. I am disappointed to learn that my data may have been sold without my consent, and if that is the case, I urge XXXX XXXX XXXXXXXX to review its policies and practices to ensure that they are fully compliant with HIPAA regulations. The unauthorized sale of personal data is not only unethical but also illegal, and I strongly believe that no company should profit from the exploitation of sensitive information that belongs to its customers. I am committed to resolving this issue in a fair and amicable manner and would appreciate your cooperation in ensuring that my rights, as well as those of other patients, are respected and upheld. Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX  XXXX and a medical company which was not opened by me or authorized by me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and filing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

In XX/XX/XXXX I received a lawsuit from Kings credit services for the amount of {$880.00} for a medical bill from the provider in XXXX of XXXX. My insurance was provided at time of visit and other bills ( hospital and radiology ) were paid. 
Kings credit services never informed me that this bill was never submitted to my insurance. They stated it needed to be paid by me and I never provided my insurance to the hospital. My insurance investigated this and was informed by the hospital I had a zero balance. In XX/XX/XXXX a judgement of default was placed against me for the amount of {$1100.00} from Kings Credit Services, they added interest. I was informed on XX/XX/XXXX from the Collection agency that they cant wait for XXXX to pay the bill even though the provider never billed my insurance because they placed a judgement against me and they are threatening to garnish my wages.