23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaints with the CFPB ( ID # XXXX and ID # XXXX ) as XXXX and Equifax repeatedly deny my request to provide me with their method of verification as well as documented evidence that I owe the {$370.00} medical debt XXXX XXXX XXXX has reported that I owe. In response to my complaint and request, each again has provided a generic response that the debt has been verified as mine. I have been getting the run-around from all three companies since XX/XX/2022. No one will provide any documented evidence but consistently claim that I owe. I literally have no idea what this debt is for and have repeatedly ask for information as noted in my previous complaints. This is a gross violation of my rights as a consumer. 

On XX/XX/2022, Equifax and XXXX updated my credit file again with this inaccurate information ( that the debt had been verified ). What a sham of an " investigation ''. I demand that this debt be deleted and removed from my credit file immediately as XXXX XXXX XXXX indicated in its response to my CFPB and XXXX  complaints.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Needed : Identity Theft Case I am reaching out to share a distressing situation I am currently facing. My identity has been stolen, and I have discovered that someone opened a car loan in my name through XXXX XXXX, using a stolen business bank account to make payments and evade repossession. I promptly contacted TransUnion to report the issue and followed their instructions to file a police report and an identity theft report, including the XXXXXXXX XXXX information and badge numbers. However, despite my efforts, they have refused to assist me, stating that they are waiting for data from a furnisher, whose identity they would not disclose. This situation has significantly impacted my life, and I am seeking legal assistance to help me navigate the complexities of this case and restore my identity. If any lawyers are willing to assist me in resolving this matter, I would greatly appreciate your help. Thank you for your time and consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

purpose.
Product: Credit card

2nd time around complain. 

Original complain XXXXwa resolve according to company and XXXX statement. 

And yet its started again in XXXX. 
Promotion plan have no interest fee charged, but statement show interest fee again.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Have disputed debt reported by XXXX to Equifax. Outcome continues to be that debt remains. 

Its clear that XXXX is reporting the same tradeline as XXXX separate debts- the total is XXXX of debt instead of the already invalid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XX/XX/2022. I sent a Cease and Desist letter informing them of violation I notice. 

They consistently called 3x 's a day despite the correspondence. 

They are also creating accounts w/o my knowledge as well as consist. There are 4 accounts they have made up XXXX, XXXX, XXXX ; with 3 different amounts old. 

My report on EXPERIAN reports account number XXXX with a balance of {$2200.00}. XXXX with a balance of {$2400.00}, and XXXX original loan {$1500.00} ( CLOSED ) Contract they have on record says account number XXXX. 

My Consumer Reports have all 3 accounts on them. 3 accounts have a balance I'm not sure how they did this w/o my knowledge. 

They are now committing fraud and identity theft. 

In response to my letter dated XX/XX/2022 they have sent me 3 different correspondences dated XX/XX/2022 with an account number XXXX Principle amount : {$2100.00} late charges : {$110.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} Late charges : {$150.00}, XX/XX/2022 with an account number XXXX Principle amount : {$0.00} all 3 correspondences had the same contract attached to it. 

As a debt collector XXXX XXXX has violated multiple code pursuant TILA and the FDCPA.
Product: Credit card or prepaid card

Interest rate from inception has not reflected the rate cuts that have transpired since then. A 26.4 % apr is ridiculous in this rate environment. I've had the account for a long time and always paid my bill.
Product: Student loan

I have been trying for 3 days to complete a loan consolidation. I was told by the university to complete it with my servicer, Mohela. The folks in customer service have been helpful but there is a broken link on the site and no way for the folks on the phone to fix it. I can not complete the consolidation until it accepts my info. My screen shots are below. The CSR says that there have been no complaints of having broken links. Someone needs to fix this. Ive called and emailed the addresses on the Mohela website as well as tried to call, only to be hear that those phone numbers dont work. They say I have an {$11000.00} back billI am trying to consolidate this. The University has put this in forbearance for a month.
Product: Debt collection

LVNV Funding LLC this debt collector isn't registered or licensed in the state of Florida as a debt collector or collection agency. therefore they need to cease and desist all collection efforts and remove all negative items from all 3 credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting hard inquiries from XXXX XXXX date XX/XX/XXXX XXXX XXXX bank dated XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX bank inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

regarding old claim # XXXX unauthorized soft pulls on credit report : XX/XX/year> XX/XX/year> and XX/XX/year> After filing a claim on Clarity for violation of unauthorized soft inquiry pull which is an unlawful invasion of my privacy and an infringement on my rights, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes. 15 U.S.C. 1681n.

Now, this company is requesting I provide and send them sensitive personal material of myself. Requesting I provide them with following : ( picture attached of them requesting sensitive material ) : FULL NAME INCLUDING MIDDLE INITIAL : SOCIAL SECURITY NUMBER : COMPLETE ADDRESS : DATE OF BIRTH : COPY OF GOVERNMENT ISSUED IDENTIFICATION : COPY OF UTILITY BILL This company has violated my rights and now requesting I send them all these information and documents.

I have attached my info with CFPB and not direct to Clarity as i do not know how they got my information and no approval from me to do any soft pull on my credit multiple times. Provided are information of what they have requested.
Product: Checking or savings account

A refund from XXXX XXXX in the amount of {$170.00} has been sitting with visa and TCF bank for over a month, this has been confirmed by the XXXX  and the letter sent to them from XXXX XXXX ( SEE THE ATTACHED ) and as of today the original complaint to TCF Bank was made OVER 1 MONTH AGO. I was told the money is being put back into my account yet another 8 business days have gone by to no avail. The debit card used was closed out, TCF bank can see the money yet has not called or communicated with visa to tell them that the debit card was closed out and this is the account that the {$170.00} refund is supposed to go into, therefore for over 1 month the money has been sitting in limbo. I have talked with XXXX XXXX several times ; he has called the necessary department several times to no avail. the original case number is XXXX. TCF bank denied the refund on their part, ( which means they were not going to refund the money from the bank ) based on the above case number but XXXX XXXX decided to give me the refund and did so over a month ago, that is the money that is sitting in limbo because it was put back onto a closed-out debit card. TCF is not communicating with Visa to give them the correct account to put the money back into. TCF bank has done nothing to complete this transaction for several weeks now. I can not give that information to Visa, TCF Bank needs to, and needs to do this NOW AS MY MONEY IS STILL IN LIMBO AND HAS BEEN FOR OVER 1 MONTH!!! XXXX in CS TCF Management has confirmed that she can see the refund and does not know why this is not being taking care of by the TCF correct department. Had TCF done their job correctly and completely, they would have seen the refund and applied it accordingly instead of just leaving it in limbo, THIS IS NO LONGER ACCEPTABLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

Equifax is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

Equifax is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with Equifax, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however Equifax is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

Equifax is also allowing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Exeter Finance # XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604b A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1666 B ; A creditor may not treat a payment on a credit card account under an o open -end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX app and website to make payments, was told that payment and autoenroll of 50 $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!
Product: Credit card or prepaid card

Upon reviewing my credit report noted Capital One Bank USA on my reports for total of {$1600.00}. My total limit was {$1200.00}. I called weeks before these fees incurred to close account and was assured it was closed and my balance was less than {$1000.00}.
If requesting account to be closed why do I have a total much more than my limit?
I 'm requesting this account to be reviewed for accuracy and false reporting and charging of fees.
This report is false in fees and interest, accuracy. I requested this account to close way before the fees and penalties incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. require the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9900.00}
Product: Checking or savings account

This bank Is ridiculous they respond to My Complaint after I closed my checking account they left bill pay on they send me a check this is Not fair only For {$20.00} when my bank charged me for their mistake {$150.00} in fees returned check fees when I had closed My account They never canceled today I get a letter from Them and a check Only {$20.00} and contacted the person on the letter she says if I Want the rest of the fees to File Another complaint against them For the remainder amount to be credited to me by check she said Not To Go To the bank that they are working And dont know Why they Didnt cancel The bill pay after closing my account she says she cancelled It immediately after seeing it was turned Im and agreed its not My Fault For their mistakes thats why she credited me for the error but their is more Money owed to me td send me {$100.00}
Product: Debt collection

I was struggling to make payments following a XXXX XXXX. 
I signed up with XXXX XXXX XXXX who insisted all accounts go into XXXX XXXX  " for better negotiations with the creditors ''. 
AfteXXXX XXXX  months XXXX only settled XXXX debt but took XXXX " success fees '' and so after much effort, I managed to part with them. Wells Fargo was one of the debts that was not settled. 
I contacted XXXX who told me since all debts were already charged off that there was no point in trying to repair the situation. This was XX/XX/XXXX. 
In XX/XX/XXXX I found out that Wells Fargo had sued for a XXXX against my home in the amount of the debt I owed on the credit card and some legal fees. Their process server had the wrong address on the court paperwork but the owner of some other address ( the address on the paperwork does not exist ) brought the papers to my house, wet, crumpled, a little stained, and left them on the porch. By the time I got this paperwork I only had a few days to respond and by the time I was able to see an attorney, it was already too late. Nonetheless, the attorney advised me that they could not take my house and since this is my home, unless I planned to sell it, to go home and try not to worry about it. 
XXXX, XXXX and XX/XX/XXXX I heard nothing else from Wells Fargo. In fact, as of today, I still have not been contacted. Yesterday Wells Fargo pulled all but {$1.00} out of my checking account. 
I do not get paid again until XX/XX/XXXX. I just got paid XX/XX/XXXX and have not been to the grocery store or the gas station. 
This was not XXXX XXXX. I got my full check. They just helped themselves to my checking account- which is also with Wells Fargo- and took everything but {$1.00}. I presume the {$1.00} was meant to keep the account open because surely they don't think I can live and go to work for XXXX  days on {$1.00}.
Product: Credit card

I requested a balance transfer. I transferred an amount of money from XXXX XXXX  XXXX  to capital one venture visa. Capital one posted the transaction on XXXX, XX/XX/XXXX. I contacted XXXX XXXX  on XXXX, XX/XX/XXXX and they still show a balance in the same amount as the transfer. XXXX indicated that the balance transfer check that capital one had sent had not cleared as of XX/XX/XXXX. 

I contacted capital one venture visa and they informed me that they have posted the balance of the transfer and that I am accruing interest on the transfer even though the check that was sent to XXXX bank had not cleared. Capital one Venture informed me that it could take up to 15 days for the transfer to to be processed by XXXX XXXX 

Effectively it seems that I am currently accruing interest on the same balance to two different banks. Is this lawful?
Product: Credit reporting, credit repair services, or other personal consumer reports

After receipt of notification of collection* action the by collection agency ( National Credit Systems ) We responded in writing ( ( XX/XX/XXXX ) disputing the {$400.00} debt and requesting proof/details of same. XXXX did not respond but notified us that they would report the debt to " one or more credit reporting agencies ''. When the collection notice appeared on our reports ( XXXX and XXXX ) I notified them that the debt was disputed and they added the note to our report that it was disputed. I further wrote XXXX on XX/XX/XXXX of their failure to provide the requested proof or to remove the claim. They further responded only with collection invoices and calls and no details.. 

The collection account still remains on our credit reports and has adversely affected our credit scores and record. 


*XXXX  XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the initiator of the collection account tried to bill XXXX XXXX XXXX XXXX XXXX  credit card Iin XXXX of XXXX and that was disputed with XXXX XXXX  as well. XXXX XXXX investigated the dispute and after a period of several months could not get a response from XXXX  and permanently credited her account. XXXX XXXX XXXX never directly sent us an invoice or letter regarding the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted a XXXX transaction on the XXXX XXXX to purchase XXXX. I quickly became suspicious of the counterparty and immediately cancelled the transaction. I have documentation from XXXX confirming this cancellation. 

The following day, on XX/XX/year>, my Wise account was closed. I had been using the account for legitimate business purposes as a freelance CPA marketer, receiving payments from international clients and affiliate networks. 

I appealed the closure with Wise on XX/XX/year>, providing documentation of the cancelled XXXX transaction and explaining my legitimate business use of the account. I also requested a refund of the remaining balance in my Wise account. 

Wise responded on XX/XX/year>, stating they would keep the account closed and would not provide a refund. They stated they could not share the specific reason for the closure, citing regulatory compliance. 

I sent a follow-up communication to Wise on XX/XX/year>, again requesting a refund and providing further clarification about the cancelled XXXX transaction. 

Wise responded again when I called them by phone on XX/XX/year>, reiterating their decision to keep the account closed and refuse a refund. 

I subsequently sent a formal demand letter to Wise on XX/XX/year>, demanding the return of my funds and threatening further legal action. 

To date, I have not received a refund of the funds held in my Wise account, and the account remains closed. The key issue is the account closure following a cancelled transaction and the subsequent refusal to return my funds.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$300.00} Case number : XXXX