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

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information on my credit report. My Experian credit report is reporting an account on my report from XXXX XXXXT which is indeed not my account. It's does not report on XXXX at all and would like this account removed immediately. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with Experian plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I setup an international wire transfer online with WellsFargo on XX/XX/XXXX. I expected there to be a delay due to the nature of this type of transfer. A week went by and the recipient still had not received the funds. I called the bank around XX/XX/XXXX explaining the situation and they confirmed that it had been completed on their end and that we should provide the confirmation number to the receiving bank to locate. The recipient tried to use that confirmation number but XXXX XXXX was unable to locate a wire with those details. I called WF again around XX/XX/XXXX explaining that they could not find a wire. At this point we double checked all the info I provided and at that point it was confirmed that the information was added correctly, I was asked if I wanted to file a claim or try providing the fed reference number. I said we could try the reference number, so once again I provided the recipient with this info and XXXX was still unable to locate anything. On XXXX I called WF back and opened a claim and was told to give them 10 business day to investigate. I called back on XX/XX/XXXX to get an update and was told that the claim was filed incorrectly and a new one was opened on XX/XX/XXXX and that I will need to wait another 10 business days. On XX/XX/XXXX, I called back for an update and was told that it could take up to 20 days to be investigated, at this point I asked to speak to a manager and was told that since my claim was for a wire transfer there was no set time for the claimed to be investigated and that it will be worked first come first serve. I asked if my case could be escalated due to all the circumstances and that I have been without these funds for over two months and was told it could not be escalated.
Product: Money transfer, virtual currency, or money service

I can't remember the datesit was in 2023, but it was cash app. That sent some {$50.00} from my account. I do not have cash app anymore.
Product: Checking or savings account

On XX/XX/XXXX i received an email from sofi stating that ny account was restricted this was at XXXX. I was unable to get to work because all of my money is in that account. I called and asked for a reason this was not provided. I asked by email several times for a time frame of when this would be resolved. I was refused any kind of help or information. I also tried to ask if i could move my money so i could get to work buy groceries and pay bills again i was denied. I am currently left with XXXX money and no idea when i can access it. I have done nothing fraudulent. I am at risk of losing my job and home if this is not resolved as i dont have any access to money or a way of getting it.
Product: Credit reporting or other personal consumer reports

When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section XXXX, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit limit was lowered from {$13000.00} to {$1500.00} at Discover Bank. {$8500.00} to {$4000.00} at XXXX bank. This caused my XXXX XXXX XXXX to lower l because of the credit utilization increase to 73 %, which in turn raised my Interest rates on the cards. This negative effect was caused by the XXXX agencies. XXXX, XXXX and XXXX. 
My XXXX score was XXXX and dropped down to XXXX overnight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experience identity theft and cyber theft, I have not consented to any agency to report my personal or any credit information in a public domain. 


15 U.S. Code 1681ia - Definitions ; rules of construction ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. 
( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. Send me a update copy of the credit report.
Product: Checking or savings account

I am making this complaint because Capital One is refusing to provide me with information about unauthorized withdrawals from my checking account amounting to {$800.00}. 

On XX/XX/XXXX, two unauthorized transactions occurred at an ATM at a XXXX in XXXX. In each unauthorized transaction, {$400.00} was withdrawn from my checking acount, totalling {$800.00} in withdrawals. 

Shortly after discovering the unauthorized transactions, I informed Capital One. On XX/XX/XXXX, the company said that it had begun an investigation of my claim, which was assigned the number XXXX. The company provisionally refunded the {$800.00}, and later decided the claim in my favor on XX/XX/XXXX. 

However, Capital One has refused my repeated attempts to obtain information about how the unauthorized transactions occurred and what actions the company is taking to prevent future such thefts. 

On XX/XX/XXXX, the company responded to my first request for information about the incident by saying " this is not something we are able to provide for approved claims. '' In a subsequent phone conversation, a Capital One representative submitted on my behalf a second request for information. But on XX/XX/XXXX, the company once again denied my request using identical language, with no additional explanation. 

Capital One 's opacity in this regard suggests the company is attempting to conceal its inability to adequately address security vulnerabilities that are leaving consumers open to thefts like the one I experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached to Equifax for them to update and remove some old accounts, medical information from my credit report and they sent me a verification form to send back my personal information to them each time Im trying to dispute credit information. Nothing is disputed. This has been happening for a year.
Product: Checking or savings account

A little over a week ago, I was sent several correspondences via text and email regarding Wells Fargo stating, " They will no longer text me '' etc. I have not been a Wells Fargo customer for 2+ years now, nor have I contacted them regarding any information of mine. Whoever decided to enact these changes did so without my knowledge, or w/o my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am the beneficial equitable title holder & I brought my over the counter securities to this person in good faith for a line of credit. I put an application in several times, just to be discriminated against multiple times, those applications I put in with this person was a binding contract. I brought consideration to the table & this didnt. 

In turn they left me with hard inquiries on my reports & no benefits
Product: Mortgage

Regarding Case # XXXX of XXXX US BANK has filed a NOTICE OF ENTRY OF DEFAULT AND JUDGEMENT OF FORECLOSURE against me even though I have given them all of the information needed, over and over again.The bank continually drags out the process so more information is needed after XXXX days.I would like to have it resolved in a timely manner.I am always assured that " this should move quickly '' and get a decision, but after XXXX years, that is not the case.In XXXX 2015, XXXX XXXX was relaced by XXXX XXXX as my Relationship Manager even though later bank paperwork continued to show him.I sent all needed paperwork for the loan modification on XXXX and was told by XXXX XXXX that everything had been recieved by e-mail and we were good to move forward on a decision.Imagine my suprise to be served with a foreclosure summons on XXXX XXXX! After contacting the bank on XXXX XXXX, I believe that date is correct.I was told that said documents were not in the US Bank computer! I promptly re-sent them to another US Bank e-mail address and also to XXXX XXXX 's e-mail again.the current dispute is over monthly income from XXXX XXXX payments and XXXX per month of XXXX benifits.The bank had current and timely documents of said proof of this.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXXave 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Experian reported my FICO score as XXXX. On XX/XX/XXXX, my score was lowered to XXXX. I did not open any new accounts, did not run up any credit card balances, had no late payments and no change in my debt to income ratio. Additionally, none of the other credit reporting agencies have lowered my score. 

When I called Experian, I was told that there were no negative factors in my credit report that would have caused my score to drop. When I asked if there was someone that I could talk to who could explain why my score was lower, I was told that there was no apparent reason and that I should hire a licensed credit counselor! 

If Experian can just randomly lower my score for no apparent reason, I wonder how many other people are being damaged in the same way. 

Please investigate this situation. 

Sincerely, XXXX XXXX XXXX, Connecticut E mail XXXX Cell- XXXX
Product: Prepaid card

i get an automatic deposit from job XXXX, this money was deposited to the rushcard. These funds are being held by rushcard. THEY BASICALLY HAVE TAKEN MY PAYCHECK!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been receiving calls and voice messages on my XXXX cell phone, once per week for the last 7 weeks from XXXX debt collection agency. I have recorded the dates of the calls and saved several of the voice messages. I do not owe any debt. I have sent a text message instructing the company to stop. I have registered my cell phone number with the do-not-call registry to no avail. I have not called XXXX because I do not want to be subjected to a scam to collect personal information or money from me.
Product: Debt collection

To Whom It May Concern, Upon recent review of my credit report, I noticed that there was a collections trade-line placed on my account by the company known as Credence Resource Management XXXX I have sent multiple letters via certified mail disputing their claim that I owe them money. I have no knowledge of this debt. More than 30 days has passed from the date of disputing claim with no investigation conducted by XXXX XXXX XXXX to resolve this matter. Due to the fact that there was no response or investigation conducted by Credence Resource Management about my dispute, they are in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I request that XXXX XXXX XXXX remove the collections trade-line immediately, or it result in small claims legal action against their company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

my credit report was hurt by the XXXX data breach,
Product: Credit reporting or other personal consumer reports

Please review the documents I sent, as I discovered inaccurate accounts on my credit report that I don't know who's responsible for.
Product: Credit card

I called Citicard on XX/XX/XXXX regarding an international transaction I was attempting online. My card had been declined for potential fraud reasons and the fraud department said they resolved the issue and to wait XXXX hr for the system to update to retry the transaction. I waited XXXX hour and the transaction declined again. When I called the fraud department a second time they said I could not clear the block because I did not have a XXXX phone in my name to send a verification code. The only solution given was to send a letter in the XXXX mail that would take weeks. This was unacceptable as I need to get the transaction made the same day. They said I would not be able to use the card again until the fraud alert was cleared, which could not happen until I got a XXXX phone in my name or received the letter the mail. I am currently living overseas so not being able to use my credit card online is a huge problem and they offered NO solutions.
Product: Credit card or prepaid card

The sales associate charged our account for our jewelry purchase of {$630.00} and did not add the deferred interest promotion. He said he would call and have it fixed and have the deferred interest promo added to the purchase. He re-charged our account for {$630.00} on XX/XX/18 with deferred interest. We have 2 charges for {$630.00} on XX/XX/18. One had the promotion and one did not. The first purchase without the promotion must not have been taken off because we are being charged interest on it.
Product: Credit card or prepaid card

I paid my BJ 's Credit Card bill in full ( {$2600.00} ) on XX/XX/XXXX. The money was paid through bill pay from my joint account with my husband at XXXXXXXX XXXX. I realized quickly that it hadn't been credited and called five different times before finally emailing the bank on XX/XX/XXXX. Unfortunately, I did not keep a record of the dates of the calls. What was eventually determined is that I had sent the payment to an old account that was now closed. I had proof in the form of a debit tracer from XXXX showing that Comenity had received the funds by bank transfer and the account number that the money was paid to. 

As my husband and I continued to call to follow up on this matter, we have been informed three different times that a dispute was filed, and we needed to give them 90 days to resolve the problem. The two notifications that I have on record from the bank include an email response saying that a dispute was initiated on XX/XX/XXXX and a letter on XX/XX/XXXX saying that they need to investigate, and we should allow up to 90 days. It has been more than 90 days from the XX/XX/XXXX date of initiation of the dispute and six months since I paid the XXXX monthly bill. The money still has not been credited to the account and interest has been accumulating. We have continued to call the bank. At one point they said that they never received proof of payment even though the debit tracer was still an attachment on my messaging account with them, we resent it on XX/XX/XXXX and still no response. 

A complaint was sent to FDIC on XXXX and on XXXX FDIC informed me that the CFPB was the correct place for the complaint and that it was being forwarded. The Reference number is XXXX. In checking the CFPB website, I can't find a record of the original complaint. 

Please help us resolve this.