23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account 1 : XX/XX/2020 {$14.00} Account 2 : XX/XX/2020 {$17.00} Account 3 : XX/XX/2020 {$14.00} Account 4 : XX/XX/XXXX. 2020 {$17.00} I reject your Offer to contract.I have not given my lawful authority for any non affiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication pertaining to this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 usc 1028a. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor. I have reasonable cause to believe that the medical facility XXXX XXXX XXXX XXXX and that you both are trying to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX is reporting a closed XXXX XXXX account with a XXXX dollar balance ( {$2.00} ). This information is incorrect because the balance is XXXX  and the account is closed. See attached screenshot for more information. I have verified with XXXX XXXX that the balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I have never applied for. The unauthorized companies to report on my credit are XXXX and XXXXXXXX XXXX XXXX XXXX for TransUnion.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

capital one I asked to have my credit limit lowered. They said they could not lower it. My limit is almost XXXX and this affects my credit as I am not using the line so have a low utilization. They said their contract with jordans the furniture company who I set up the account with has expired. 
However they are the group still managing the account so are responsible for the credit limit reported to the credit bureaus. I said they are reporting incorrect information as the line is no longer available to be utilized yet it is having a negative impact on my credit rating for not being used, i.e. the low utilization rate. Please tell capital one that they can not report inaccurate information that negatively impacts the consumer. This leads to me being charged higher interest on any new cards. I spoke with XXXX who hung up on me on XX/XX/2017 at approximately XXXX. Thank you
Product: Credit reporting or other personal consumer reports

As per the Borrowers defense application I filed a few years back my loans were discharged by the Department of Education and therefore my loan history have to be deleted and any credit report tradeline associated with the discharged loan ( s ) associated to XXXX  XXXX XXXX ( XXXX ) even if these have been paid.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621.

An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, IQ Data International, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character.

The continued reporting of this fraudulent debt by IQ Data International constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of my Dept of EducationXXXX accounts are older than 7 years old from the date of the negative item. I have disputed this with all three credit bureaus but they have not deleted the closed account. The 3 accounts need to be deleted asap because they have aged out.
Product: Checking or savings account

Hi - SunTrust offered a promotion of {$600.00} to open a bank and credit card. 
After 6 months finally received {$200.00} although they have charged almost {$300.00} in fees. No bank XXXX for 7 months. 
Rude and arrogant staff.
Called over 10 times. 
They show no concern or compassion for this situation.
Product: Checking or savings account

I tried to open a checking account at Wells Fargo Bank, and was told that I couldn't and would receive a letter saying why I received the letter and it says that they obtained a consumer reports from a company. A " soft copy '' they call it. The company is called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX
Product: Credit reporting or other personal consumer reports

there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to XXXX and XXXX to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX
Product: Mortgage

In XXXX XXXX, I requested a modification because my debt load was too high and I knew I would be unable to make my payment shortly ; especially with it being a 2 year ARM with the XXXX year ending. My lender told me to allow a car to be repossessed and they could possibly assist with lowering the payment $ XXXXmonth. But when the decision was final, they declined to do anything to assist. Months later, I was laid off. They approved a 4 month forbearance and stated that I would still be due for the XXXX payments once the forbearance ended on XXXX/XXXX/XXXX. In XXXX XXXX, I received a call from SECU confirming that I would be making XX/XX/XXXX in XXXX. I told the rep XXXX XXXX that I would, even if I had to borrow the 3 months. However, on XXXX/XXXX/XXXX, I received a letter which said that in addition to the 3 months, I also need to come up with the 4 months they agreed to forbear immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXXBalance : {$1000.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$94000.00} Date Opened : XX/XX/XXXX
Product: Debt collection

The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. 
The number to this agency is XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX am I recieved a call from ( XXXX ) XXXX ( wells fargo ). I spoke with the person on the phone who claimed to be from wells fargo XXXX department. They stated that a XXXX XXXX was attempting to transfer {$1800.00} from my account to his through XXXX. The man I spoke with instructed me to transfer my money ( {$880.00} ) to myself through XXXX using my phone number ( XXXX ) XXXX to cancel the pending transaction. I complied as the number was wells fargo 's actual customer support phone number. Once I submitted the transaction it immediately was completed but the money did not re-appear in my account as the man on the phone had stated it would. I later discovered that my phone number was no longer registered to my account and was instead registered to ( I believe ) this man 's account. So despite my intention to send the money back to myself it had instead been sent to this man 's account. I immediately called wells fargo and submitted a claim. 9 business days later wells fargo had completed the case but would not inform me of their decision. 5 business days later I recieved a letter in the mail from Wells Fargo stating that they would do nothing to return the money back to my account stating that the transaction had been completed as intended. They instructed me to contact the person that I had " sent the money to '' under the premise that I intentionally sent the money to them as a transaction for a product/service despite me clearly stating that it was intended to go back to myself. I never broke any codes of conduct with Wells Fargo but they refuse to refund the money back to me. I appreciate the help and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I have been calling Experian to have an address that they have on file removed. They are telling me that this is not possible and will not remove it which I have never lived there and they are the only ones who have this address on file. They keep stating it is on file with creditors in which I have contacted these creditors in which they are stating it is on file with and they do not have this address on file. This company is causing me to have lots of stress behind this address being removed when it is not an difficult thing to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting 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.

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.
Product: Checking or savings account

I recently relocated to Georgia and I 'm living in an   XXXX   XXXX    XXXX . I receive my mail there and packages. I updated my account online with Simple bank on  XXXX   XXXX ,   XXXX  an d after a day or two they told me because it 's technically a business address I could n't use it and they would have to close my account. I called and talked to a representative and explained that I just moved and that I am living there and I receive my mail there. They told me because of the  Patriot Act tha t I had to have a verifiable residential address. I 've updated my address with  XXXX  other banking institutions and have had no issue with using the same address. Today  XXXX   XXXX ,  XXXX , they told me that I have 30 days move money before my account is closed. I 'm not a new account holder and have had the account actively since  XXXX   XXXX . I 'm a United States Citizen with a verifiable social security number ; which they verified at the opening of my account.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights., 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 an account without my written instructions 15 U.S. C 168Tc. ( 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: Mortgage

I do n't know where to start. We need assistance to figure out if we are still in modification or did the mortgage company sell our home without us being notified. We have several phone calls going back and forth with Wells Fargo. We did ask them 2 months ago if we need to worry about our house going on foreclosure list. Wells Fargo Rep said They checked our account and there are not any notices or red flags on our account to be worried about. Before that we explained to them we have a lost of wages, I was recently in a bus accident and I am not able to work. In XXXX I was put on XXXX  XXXX and I am not getting what I was making to make ends meet. Again, we did tell the rep at Wells Fargo ; they asked us to send information to start modification, So we did. Wells Fargo said they will work on it and again several phone calls back and forth to get paperwork, information and proof of our situation. We began to get notices from a company called XXXX XXXX  indicating that they are selling our home and will be sold on XXXX XXXX, and now we have to get out of home in 3 days, or be evicted in 90 days. We were never notified by Wells Fargo wether we got the modification or our house was sold or any communication that we are no longer home owners. PLEASE HELP US KEEP  OUR HOME. We love our home our kids grew up there we just need help and a little time to get back where we were at financially. Thank You I hope to hear from you
Product: Money transfer, virtual currency, or money service

I used the Transferwise system to send {$4500.00} in USD from my bank ( XXXX XXXX  ) in the USA to a bank in XXXX XXXX to pay for an item. 

I made an electronic transfer from my bank to the Transferwise XXXX XXXX XXXX   account on XX/XX/XXXX. On XX/XX/XXXX my bank told me it could take 4 business days for the funds to transfer. I made an identical transfer with XXXX 3 weeks ago that was processed correctly. 

On XX/XX/XXXX a Transferwise employee informed me that their bank rejected the funds for no apparent reason and that I would have the funds returned to my bank by XX/XX/XXXX. I do not have the funds in my bank as of today. 

Transferwise customer service has no idea where the funds are and suggested contacting my bank to trace them. Since it is Transferwises bank that has rejected my funds my bank can't trace them.

This has severly damaged a business relationship and Transferwise has been shown to be incompetent if not fraudulent in their processes.
Product: Credit card

Fraudulent charges were made on my credit card in the amount of over {$1600.00}, I reported the incident the moment it appeared on my pending transactions online. The physical credit card has been on my person throughout the entire time and the transactions were made in a location where I was over XXXXmiles away from. 

I tried to report the issue immediately but instead the agent said I must wait until it appears on my statement before they will do anything. I then waited until the statement was completed and remade my phone call, they then closed my account to issue a new credit card with a delivery of 1-2 weeks. 

I then tried to make a purchase using the online portal but the credit card was not available, I then called to make a payment but they never removed the fraudulent charges. I spoke to an agent and they said it is their policy that they keep it occurring interest until their investigation is concluded. I was also unable to make a payment until I receive my new credit card. 

When I received my new card, I activated it and then tried to make a payment on the portal. I called because the now activated card was not present, the agent I spoke to said it will take up to 4 days before the account is linked. I explained I do not want to be held liable for interest or late fees since I pay my credit card in full. He assured me it will not be an issue. 
I am filing this complaint because the method in which they handle this, refusing to remove fraud charges, allowing fraud charges to continue accumulating interest and blocking my access to make a payment, seems to heavily favor them in terms of late fees and interest. I do not trust this company since they are working outside the norm and wish to be protected.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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 ( ii ) 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: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX