23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hi, I have data breach from Equifax for dates XXXX XXXX XXXX XXXX and extended period for out of pocket loss and time spent XXXX to XXXX. I supposed to receive a prepaid card for XXXX XXXX which i did however i have not receive for the out or pocket and time spent claim XXXX. Equifax have in their system that i received a prepaid card or payment i believe. It's alot of information they i have to fill out and upload however i completed information for me paying XXXXXXXX services for monitoring and time spent me checking my credit report, calling checking up inaccurate information and freezing my accounts. It's alot although i need to update my information for maybe XX/XX/XXXX and up until XXXX. I keep emailing equifax they isn't answering my email. I have put in several tickets asking them what should be doing in this case. They have that i received my payment already for what i did put for out of pocket and time spent but i didn't and for XXXX XXXX I only received a {$5.00} prepaid card by email. This alot of work and time consuming finding and uploading keeping track of time spent, I also just upgraded my XXXX  monitoring to {$39.00} to check my monitoring of my credit file and reports safe. Which i can't afford, I was paying {$14.00} a month or {$16.00} either way. I not getting them on the email and i spoke with someone by phone she didn't tell me much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by Experian. These are attached. My account and credit has been compromised.
Product: Debt collection

This company has put inaccurate information on my credit file to receive money over I debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/2024 I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, MO XXXX XX/XX/2024 XXXX XXXX XXXX Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by XXXX XXXX XXXX. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they XXXX have on my creditworthiness. 

I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt. 

2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation.

3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.

4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting.

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights.

I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter that I sent to the credit bureaus on XXXX XXXX, requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.
Product: Credit reporting

I have disputed a paid XXXX account with experian TWICE in the last 60 days. They continue to leave the balance on the collection even though I have sent them the attached proof of payment in XX/XX/XXXX. This is a violation of my federal rights.
Product: Credit reporting

In XXXX 2016 my entire tax packet mailed by my CPA was stolen from the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. I requested a 7 year Extended Fraud Alert from Transunion, and they and Experian placed this on my credit report, and confirmed same in writing. Equifax has never responded in writing, been uncooperative, and has informed me that they only except a " Police Report '' or " FTC Fraud Affadavit ''. They do not recognize the IG Report for US Postal Service Mail Theft. I told Equifax this is ridiculous that they are the Law Enforcement Agency for Mail Theft. I provided a copy of this report, case number, both other Credit Bureau Letters that state they have accepted my request to place a 7 year Extended Fraud Alert on my wife, and my Credit Report. On XXXX XXXX, 2016 I spent over 1 hour talking to " Equifax , XXXX, XXXX XXXX ''. I was told no 7 year Extended Fraud Alert would be allowed because the US Postal Service Theft Report is not a Police Report. Equifax was looking at the completed explanation letters, Equifax Information form, Theft Report, and copies of photo id, Social Security Card for identification they requested. All these documents were scanned into their system and available for the Fraud Department to review. I sent all this to them by US Postal Service Priority Mail for myself and my wife. Equifax , XXXX said you can not send in a husband and wife notice in one mailing by Equifax Policy, and no action was taken on my wife 's signed affidavit. XXXX said no one responded to my wife 's request because this is against Equifax Policy if a husband and wife send in a letter in the same mailing. The letters we sent included both of our Copy of Drivers License, Copy of SS Card, Copy of Joint Banking Statement, Equifax Form required for 7 year Extended Fraud Alert, and ( XXXX ) other Credit Bureaus saying we have a 7 year Extended Fraud Alert on our Credit Reports. What more does Equifax need? Now they want us to resubmit in separate mailings yet they have chosen to never respond in writing once to my consumer request for assistance with MY CREDIT REPORT. XXXX and XXXX have no problem writing to me as a consumer. XXXX said my wife would have to call in to file a dispute. My wife called " XXXX, XXXX Department '' on XXXX/XXXX/2016. XXXX provided a new confirmation case number XXXX, and she said once again the IG US Postal Service Theft Report does not qualify as a Police Report, and told my wife she would need to go get a Police Report. Who is running the Fraud Department at Equifax? Please help us with Equifax because they are being unreasonable, and unresponsive?
Product: Payday loan, title loan, or personal loan

On Thursday XX/XX/XXXX I was approved for an {$800.00} loan from cashnet USA. It was due to be deposited XX/XX/XXXX. It is now XX/XX/XXXX and I have not recieved any of the money that I was approved for. I contacted my bank and they show nothing pending on their end. I contacted the company. They say they show it was sent for deposit into my account. I told them it was not recieved and I would like to cancel the entire transaction. They are currently showing that I owe them money. However, I have not recieved anything from the company. My customer ID with cashnet is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX You are in Direct Violation of 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, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

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.

U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immadiately 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CO XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am a customer of WorldRemit Money Transfer Company. 

On XX/XX/XXXX they requested I provide them with the following information and I did so : XX/XX/XXXX bank statement that shows your name, address, and deposits on the account as well as the WorldRemit transactions An explanation for all of the deposits on the bank statement ( proof of the deposits may be required ) Current photo ID ( front and back ). 




Then on XX/XX/XXXX, they requested the following information and documents and I provided them the same day : - XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account -An explanation for the multiple cash deposits on the bank statement -Proof of small business loan -Proof of check deposits on the business bank statement -Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit * All answers/responses/documents were provided to Worldremit as stated below XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account =============================================================== -- Attached An explanation for the multiple cash deposits on the bank statement ===================================================== -- The multiple cash deposits are from my XXXX  account, my business account and personal loans ( Including XXXX, XXXX XXXX  and XXXX XXXX etc ) Proof of small business loan ============================= -- Attached Proof of check deposits on the business bank statement =========================================== -- N/A : There are no check deposits Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit ================================================================== I am a CXXXX XXXX XXXX. My business is XXXX XXXX XXXX. The name of my business is " XXXX XXXX XXXX '' which is essentially my name. 
I earn my living and earn my income through my business. My household income " is '' from my business. 
Thus, I have no choice but to spend the income from my business for my living expenses and personal transactions. 
Thus, I use my income from my Business account to spend on all my expenses whether personal or business. 
Sometimes I also send funds to family or friends for large purchases or large expenses including weddings or large purchases such as property which is an asset. 


However after providing all these to WorldRemit they still UNFAIRLY and ILLEGALLY closed my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I used XXXX, which is built in to the Capital One app to send {$XXXX} for a deposit on a puppy on XX/XX/2019. 

The breeder then went dark and after some internet sleuthing I realized the litter was never born and I would not be getting a puppy as promised. Based on the breeders on contract if no dogs were born my deposit was supposed to be refunded. I sent multiple calls, texts and emails to the breeder to try and recoup my payment but she has never responded. 

I then filed a dispute with Capital One on XX/XX/2019 who clearly states in their app that XXXX is a " Safe and Secure '' way to send money. However, my dispute was denied simply because the transfer went to who it was supposed to go to. Even though I was scammed and never received the discussed goods. I tried to reopen my dispute with more information and documentation to support my claim but Capital One said it could not be looked into or escalated any further and there decision was final. 

I also tried to contact XXXX for a resolution but they only have an automated system which directed me back to Capital One. This service is atrocious, and that fact that it is BUILT-INTO the capital one app should certainly afford me at least the same consumer protections that are accompanied with XXXX or other money transfer services. 

This app knowingly and willingly supports scam artists and Capital One seems to not care and continues to use it within their platform. This is very bad for consumers and and very bad for both XXXX and Capital One.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never be late on payments for the account. XXXX account number XXXX please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand these payments be update to on time as they should be as i was NEVER late. thanks
Product: Vehicle loan or lease

My inquiry involves a debt : Car loan The nature of my concern : I called Ally bank on XX/XX/XXXX and was told Wisconsin has the second chance law and they would work with me. Once I had the money ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX I called and made arrangements. Those arrangements officially began XX/XX/XXXX with my first payments. Payments for back pay, late fees and 3 months of monthly payments were made. I was told by XXXX at ACI ( Allys credit card processing ) to make the two large payments separate on the same date which was XX/XX/XXXX in the amount of 1. {$1900.00} and 2. {$1900.00} and told to make first payment towards car in XXXX where I made a payment on XX/XX/XXXX for {$500.00} and again XX/XX/XXXX for {$500.00}. I was told from there my payments would be {$500.00} a month until car is paid off. Now a year and 5 months later after no missed payments ( have all of my records from allys website and my bank ) my car was towed out of my drive way on XX/XX/XXXX in the XXXX XXXX XXXX XXXX
Product: Debt collection

THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 XXXX & XXXX ARE CONSPIRING WITH CITI BANK AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P XXXX IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.
Product: Checking or savings account

On XX/XX/year>, I visit XXXX XXXX XXXX XXXX  branch for paying an utility bill. Then, I proceed to request to the teller, if I would be able to emit a payment to XXXX ( Electricity Company ), for the complete amount for my XXXX  chequing / savings account, and if I would not have problems with the payment, because in my XXXX XXXX XXXX an app for sending money instantly ) was displaying I did had full amount for doing that payment, from an receiving funds transaction. 

She replied that I would be able and would not have problems to emit the payment, but she did not verified, if in effect, funds where received by the usage of XXXX XXXX ( an " instant '' payment app. 

After that, the next working day ( XX/XX/year> ), I did observe a OD fee. 

As soon as the same day, I did call the bank, the reply me, I have to wait until transaction post. 

After, that transaction posted, from Customer Care, they request, I should visit or call XXXX XXXX XXXX to investigate that issue. From the branch, a customer service and sales representative told me to try to solve with Customer Care ( XXXX ). 

On XX/XX/year> I request an investigation in XXXX. 

On XX/XX/XXXX, XXXX XXXX  investigation, established, I should assume responsibility of the overdraft. Indeed, that letter was left by postman 14 days after, the letter was dated. 

I am against this charge, since always I configure a debit transaction ( ACH ) by myself, I always verify if I have enough funds or if funds where received. Why the branch teller did not tell me, I did not had enough funds to cover, the payment? And how their systems would allow to emit a payment from an account with NSF? If the teller would tell me, I would gladly deposit some money to cover that transaction. 

On the other hand, XXXX XXXX  shall express, that they as institution, would not process that day, after x hour, XXXX XXXX incoming funds. They have different frame time, would turn confusing to customer, especially, for those who are accustomed with Financial Institution, that would reflect instantly any incoming / outcoming XXXX XXXX transaction.
Product: Debt collection

i am contacting you to inform you that the account in question does not belong to me. i am not the owner nor do i have any relationship with it. i would appreciate it if you would review this case and take the necessary measures to correct any possible errors. i remain attentive to any additional information you may need.
Product: Debt collection

SEQUOIA FINANCIAL SVCS at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXhas been sending me collection notices in the amount of {$500.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.