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

Howdy, I have tried to open a business account with Wise. It is an international transfer company that operates in the United States via XXXX XXXX. I have opened an account with them. I have paid to verify the account. I have gone through an incredibly lengthy verification process via email. 

To note : This company does not offer phone support. I have asked repeatedly to speak to someone. I can call in, but they tell me that I get to the personal line rather than the business line. I can not get transferred to business support. Therefore, I am never able to reach anyone. They do not have a physical location in the XXXX. 

I tried to transfer {$20000.00} to this bank account. I went through their process and transferred the money. It has been a week and it is still not in my account. I looked at my bank account today and they have ACH transferred ANOTHER {$20000.00} from my bank account. They have now taken {$40000.00} from my bank. {$20000.00} was without any permission whatsoever. This is fraud and/or outright theft. 

I can not reach any support. They are not providing any. I can not access my money. I am being charged fees along the way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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.
Product: Debt collection

I am not familiar with this firm or this account so under law 15 USC 1681 c2 I am a victim of identity theft due to my personal information being given to this company without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Product: Debt collection

I have a fraudulent collection from XXXX XXXX XXXX XXXX aka CKS financial showing up on my credit report for {$770.00} which I have asked XXXX XXXX XXXX XXXX to provide a validation letter to me about so that I could express my civil rights to review the information and make any disputes. I followed up on XX/XX/23 by filing a complaint against XXXX XXXX XXXX XXXX on CFPB website due to harassing amount of unanswered phone call and lack of response or a validation letter upon original request. Even after requesting again for validation XXXX XXXX XXXX failed to provide me a validation letter and it has been well over 30 days. According to Section 1692g in Title 15 of the U.S. Code This section of the Fair Debt Collection Practices Act discusses a consumer 's right to have the debt collector validate a debt for accurracy. Collection efforts must cease while it's being investigated. I am now within my right to sue the collector. According to my legal counsel XXXX XXXX XXXX XXXX should not be reporting this erroneous collection on my report without even providing me validation or a chance to dispute it.
Product: Credit reporting or other personal consumer reports

XXXX was removed from 1 credit report but not the rest of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CO ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX VA XXXX XXXX XXXX XXXX
Product: Student loan

My interest rates increase and my payment amount decreases. I've added extra principal to pay off loans earlier but AES keep decreasing the total payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking for assistance from Experian in regards to getting access to my credit reports since XX/XX/2020. No one can give me a answer to why I am unable to receive my reports and everytime I call to speak with someone, they are very rude. Over talk me as the consumer/customer, they have hung  up on me today XX/XX/2020 three time. They all were supervisors. They got frustrated because they couldn't answer my questions ; keep telling me they put a ticket in to resolve the error/issue since XXXX of 2020 and now we are in XXXX of 2020. I felt like everyone I spoke to was XXXX and didn't care about me or my time after being transferred from dept to dept and on the phone for 3 hours with no help or resolution. No actions have been taken accept for my monthly membership being taken from me on a monthly basis. I just want a copy of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX that is reported twice violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report it is a fact, I the Consumer am aware, that XXXX XXXX as a financial institution  did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

A financial institution such as XXXX XXXX in accordance with the definition under 15 U.S. Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement in accordance with 15 U.S. Code 1637a pursuant to 15 U.S. Code 1681 ( 7 ) ( B ) ( ii ). I, XXXX XXXX, did not receive such notice and thus XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with these accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I submitted my initial dispute on XX/XX/year> and have yet to receive proper verification of this account or an adequate response, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, I have the right to request and receive verification of any debt reported to the credit bureaus. As part of my initial dispute, I requested : Validation of the debt, including a copy of the original signed contract or agreement proving I am legally responsible. 
Proof that you have the legal right to collect on this account. A full accounting of the alleged balance. To date, I have not received sufficient evidence supporting the validity of this account. If this debt can not be verified as accurate and complete, it must be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my Transunion consumer report. I have already contacted Transunion and submitted a dispute. They are stating that there is a judgement of possession against me. The Attorneys confirmed that I returned the keys to the apartment complex and there was no need to come into court because the case was dismissed. I received a letter stating that the case was dismissed. I moved due to mold and the apartment window falling on my child. There was no balance due, and nothing was on my rental history reports from XXXX in XXXX this inaccurate information is on my report. I disputed this inaccurate information with XXXX on XX/XX/XXXX when I applied for an apartment for XXXX XXXX. The inaccurate information was removed. I applied to XXXX XXXX apartments who use a service provided by XXXXXXXX declined my rental application due to the inaccurate rental information. I disputed the information and TransUnion refused to remove it. I am requesting that the information be removed because it '' XXXX not correct. I was never evicted, and I do not owe any funds. 


Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX : XXXX XXXX XXXX XXXX State : CO Court File Number : XXXX Filing Date : XX/XX/XXXX Release Date : XXXX Record Reported Date : XX/XX/XXXX Amount : {$0.00} Action Type : Judgment Of Possession Filing Type : XXXX XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX  XXXX XXXX Acct : # XXXX  and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.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

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been trying to modify my mortgage payments for sometime now. I XXXX started the process with a firm that later turned out to be fraud. They would charge people and then they disappeared with everyones money. I later found some other lady to whom I explained by situation and said she would help me. She started helping me but then stopped answering my phone calls. I went to look for her and that is where I found out she had been put in jail for a reason I did not know. I then found an organization called NACA. They have been helping me through this complicated process. I have been up to date sending the bank all the papers they request from me. They have denied my loan modification and we have appealed to their decision. Once again they denied my modification but they NEVER give me or the people helping me from NACA a legitimate reason as to why I am getting denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted progressive leasing and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with XXXX, XXXX, and Transunion which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.
Product: Vehicle loan or lease

These are unauthorized hard inquiries on my Experian and XXXX credit file. I need these inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I signed up for a chime account in XX/XX/2022, the promotional terms I signed up under stated that I would receive {$250.00} in XXXX after meeting the deposit requirements. I completed all requirements, depositing {$200.00} within the 30 days of opening the account. According to the promotional terms I should have had the {$250.00} credited 70 days after the qualifying deposit. It has been 100+ days and I have not received the deposit. I contacted customer support to inquire and was asked to provide proof of my compliance in the form of screenshots of my qualifying deposit, email from the chime application, and my chime enrollment email. I responded with all the requested documents. Customer support then claimed that they " have not found adequate support to conclude the transaction was completed in accordance with all required terms and conditions '', noting that this was their " final response. ''
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. They are hard inquires that were not done by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did file an XXXX XXXX XXXX claim # XXXX on XX/XX/2021 at XXXX XXXX XXXX XXXX, for a work injury. The claim was accepted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  paid all medical bills including a pneumatic boot for {$510.00}. After many documents requested by all parties involved, on XX/XX/202XXXX XXXX XXXX XXXX  withdrew the money for this walking boot from XXXX XXXX {$420.00}, stating that the claim was denied. My medical insurance XXXX paid {$190.00} to and the rest of {$190.00} was billed to me. I want to mention that a XXXX boot retail price is {$60.00} on XXXX. XXXX XXXX medical charge is not justified. 
XXXX XXXX XXXX is putting me in the Dynamic Collectors Inc. for {$190.00}. Please I need help with this collection that XXXX XXXX XXXX insurance was responsible for. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX  XXXX  XXXX. And XXXX  lowered my score. 

I still see old info from Wells Fargo that I have not made payments. Idiots! It is paid off! Title is in there as proof! 

XXXX  lowered my scores many times lately. 

XXXX  accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. XXXX  accused me for not paying anything. 

XXXX  so lowered my score after XXXX  SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then XXXX  lowered my scores way down! XXXX off!
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report SSN : XXXX XXXX : XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the inaccurate information being reported on my credit report. The account in question is with XXXX XXXX ( Account Number : XXXX ), and it contains incorrect details that have been updated inaccurately despite my previous disputes. 

Under FCRA Section 616, if TransUnion willfully continues to report this inaccurate information, I am entitled to seek legal action, which may include : Actual damages resulting from the financial harm caused by these inaccuracies.

Statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive damages, if the violation is found to be particularly egregious.

Recovery of attorney fees and legal costs.

In the case of negligent violations, as outlined in FCRA Section 617, I can still sue for actual damages and recover attorney fees and court costs, though punitive damages would not apply.

Furthermore, I am aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) have the authority to investigate systemic inaccuracies in credit reporting. If this issue is not resolved, I am prepared to file formal complaints with these agencies.

I request that TransUnion conduct a thorough investigation of this disputed account and either verify or delete the inaccurate information. Please provide a detailed explanation of the steps taken in your investigation and the documentation you used to verify the account. If verification can not be provided, I expect the account to be promptly removed from my credit report.

Thank you for your immediate attention to this matter. I look forward to your confirmation of the actions taken.

also, where are identification purposes? I included my ID and my social as well as copies of this fraudulent account being removed from my other credit reports the only one thats holding onto it is Trans Union XXXX and XXXX have both agreed that this account is erroneous and removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My student loans have been transferred, yet again, to a non-responsive servicer. I have tried to contact them, as requested in their " welcome '' letter, regarding the PSFL program ( payments counted, outstanding information, etc ) and get a answering system with a 20 minute voice message that repeats information multiple times without ever connecting to a person. I have created an account on their website, but the website provides none of the information that I am looking for. I am currently on hold with Mohela and have been for over 30 minutes ( after their non-information message ). It is obvious that this is yet another pop up servicer that does not have the resources to do the job they have contracted to do.
Product: Credit reporting or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$2600.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXX XXXX XXXX Date Opened : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Product: Credit card or prepaid card

Capitol One lowered my credit limit from XXXX + to XXXX. Our account is in good standing, with no missed payments. We were notified after they had lowered our limit that it was because we don't keep a high balance on our cards.