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

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital Accounts , LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding a fraudulent transaction that was made on my credit card. I am disappointed by the lack of security measures in place, as well as the inconvenience and financial burden this incident has caused. 

I discovered several unauthorized charges on my credit card statement. These charges total [ amount ]. To the best of my knowledge, I never made these transactions nor shared my credit card information with anyone. I immediately contacted your customer service hotline to report the issue and request assistance. 

This incident has shattered that trust and compromised my confidence in your ability to protect my sensitive data. 

I kindly request that the unauthorized charges be removed from my account and that a thorough investigation is conducted to identify the individuals responsible for this fraud. Additionally, I seek assurance that my personal information will be better safeguarded moving forward. I expect proper compensation for the inconvenience caused, including any financial penalties resulting from the fraudulent charges. 

I believe it is crucial for your company to implement stronger security measures to prevent future instances of credit card fraud. This should include better monitoring systems, enhanced fraud detection technology, and more proactive communication with customers when suspicious activities are detected. By taking these measures, you can restore customers ' faith in your services and ensure their financial safety. 

I anticipate your prompt action regarding this matter. I appreciate your attention to my complaint and expect a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ]. 

Please reopen my complaint since your department referred me to the Office of the Comptroller of the Currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This complaint is against the credit reporting company Equifax. This is a complaint that Equifax lied and said they verified two accounts on my credit report using XXXX when they have not done so. That is a violation of my rights as a consumer. They have not notified XXXX or contacted them because 1. My XXXX XXXX account has a freeze on it and no one can access it and 2. I called XXXX and asked them did any company access any information from my account and they replied no one has contacted them about my account this year. 

Equifax have responded to my complaints through CFPB stating that it is verified on XX/XX/2019 but that is a lie because I called XXXX and the said no one has attempted to access my account to check anything. The time for lying is over and treating consumers this way is not acceptable. Please fix this or send to the agency that will. Thank you. 

Equifax sent a response today XXXX to CFPB saying that they will investigate company reporting info to them. This is another lie thats being told. They have not done the investigation three months ago when I first ask them to verify the two accounts and lied saying it is verified with no proof or documentation to validate it. And to top it off XXXX told me that no one has not contacted them to review my account this year so Equifax is a lie because they stated in the letter that they use XXXX to verify the two accounts. They are violating my consumers rights with this lie by not doing their job. 

PS. Sending Equifax this complaint will do no good because they will lie to you by saying it is verified. I want action and a resolution not more lies. CFPB needs to get involved with this not Equifax [ Previous complaint ... ... ..I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Equifax with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told Equifax that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Sagestream are consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Sagestream do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Sagestream ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Sagestream are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, the fraudster, who had my Drivers License and my savings account information, made the fraud wire payment form at Wells Fargo branch in XXXX, FL. That same day, I was with my immigrant clients in XXXX, GA and left to teach XXXX class in XXXX, GA. The next day, I found out that I got three relay service msgs from Wells Fargo, but the messages were that I should contact Wells Fargo. I decided to check my bank account online and found out that XXXX from my savings account were wired to XXXX XXXX  for XXXX XXXXXXXX XXXX XXXX XXXX I contacted Wells Fargo and reported the fraud wire payment incident. I was instructed to contact the Loss Prevention dept, but that dept was closed. Two days later after the XXXX XXXX weekend, I tried to contact the Loss Prevention dept, but XXXX XXXX was not in office. The next day, I made the second attempt to contact him. XXXX wanted to know that I was in FL. I told him no, so he asked me to make the appointment with my bank XXXX. XXXX, my bank officer showed me the fraud wire payment form.She wanted to know that I lost both of my Driver 's License ID and my bank card. I told her no. We filed a claim for unauthorized transactions on my account for ID theft operation. Plus, we started the process to research a wire recall request related to one of my accounts. I told her that I can not take the voice calls on my mobile. XXXX realized that i depend on my relay service number only. I asked her the last question about getting my money back. I have to wait for a phone call from Wells Fargo Executive office in less than 3 days.
Product: Debt collection

I am writing this complaint in response to the delinquency reported to the credit bureaus on XX/XX/20. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ) ) I am requesting removal of this debt IMMEDIATELY. 

Please note, I spoke w/ a representative at your office on XX/XX/20 and a payment was made in the amount of {$200.00} therefore I do not owe anything. Please remove is ASAP as I will seek legal council due to this debt being incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission.

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within XXXX days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.
Product: Debt collection

I informed United Collection Bureau that I have no outstanding account, no debt, no financial services accounts, no student loans ( I paid out of pocket in XXXX  ) no government loans no balances. I asked them to remove me any any information related to any account from their database. My identification was stolen and used fraudulently from XXXX. The police report you have ( sent four times ) supports this. I ask for your help in ensuring United Collection Bureau does not have any contact with me and removes me from their database of fraudulent accounts they are trying to collect on.
Product: Consumer Loan

I had a loan with Santander Consumer USA from XXXX XXXX, TX, and just before I was refinancing with XXXX XXXX, my wife sent an early payment to them. We got a refund from them, but not in amount that our CPA calculated. My account number is : ,my name. We sent them a letter with a report from our CPA. but they did not reply. 
My phone number is Thank you,
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX or XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is EXETER FINANCE LLCXXXX Date of Inquiry XXXX2022. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Student loan

I had to defer my payments to start due to XXXX for my child and accumulating medical debt. Now They say I do not qualify for this. I Thought I was deferred and while applying for mortgage i find out i 'm actually in collections! I wan to start paying now, but can only afford what I can. I 'm not getting these choices. Im trying to consolidate
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my phone was stolen, and 4 fraudulent transactions were done through my Paypal account. These were non authorized and fraud transactions that I never initiated. The funds were taken out of my linked XXXX XXXX account, the transactions totalled over {$6000.00}. I called both my bank and Paypal to report these transactions as unauthorized and fraudulent. My bank recognized these transactions as fraudulent reversed the pending transactions, but Paypal on the other hand is saying that those transactions were authorized ( even though I never did them myself and my phone was stolen ) now I have a negative balance of {$4500.00}, and Paypal is stating that I must pay back this amount. I even submitted a police report about the incidents that occurred during my travel in XXXX, XXXX XXXX. I have appealed this case 3 times and they never solve this situation. 
I just don't understand how 4 different big transactions went through, when I have never sent money to that person before nor I've ever transferred those amounts of money. I didn't even have enough money on my bank account and these transactions put it in an overdraft state. 
These are my lifetime savings and I can't afford to pay this back nor I should be required to, because these are fraudulent transactions. I need to report this bad business practice. It's just not fair.
Product: Credit card or prepaid card

My daughter had a medical crisis a couple moths ago and it has caused us financial hardship. I tried communicating and working with this credit card company, Aspire and they refused to work with me on anything. And now I have recieved a threatening email about paying the bill. I have emailed them again before this email they sent me and they chose to ignore it.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 pulled a annual credit report and noticed an unknown account on my credit report. Last date reported XX/XX/XXXX. This account looks like it was opened XX/XX/XXXX by Bull City Financial Solutions in the amount of {$1200.00}. I do not recognize this account. I believe someone has falsely used my name and used my personal information without my consent.
Product: Money transfer, virtual currency, or money service

I was scammed by an investment scam company called XXXX. 

I invested a total of XXXX as XXXX onto the trading platform XXXX over a period of time beginning in mid-XXXX XXXX 

With the advice of my " mentor '' XXXX, I made trades about every 2 weeks. Either short or long trades. Depending on the info provided by XXXX XXXX uncle, who supervises a technical analysis firm in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

He mentored his niece, she mentored me. I had built up assets totaling XXXX XXXX XXXX. The trading cycle had ended. I was withdrawing the full amount to transfer to my Kraken wallet. The transfer was not successful. I didn't know why. 

XXXX said to write to customer service. I did, and they replied that my account was " abnormal '', and that I would need to pay an additional 20 % fee to unfreeze the funds. 

Both the principal and the fee would be released upon receipt of the additional 20 %. I said : " XXXX, what is this? She said : " Oh, yes, I had to pay 20 % fee to withdraw a similar large amount the first time from XXXX. So did my uncle. '' I said : " Why didn't you forewarn me? '' I do not have XXXX in disposable income to pay the fee. XXXX did not have liquid funds to help me out. Her funds were still tied up in some trading account. 

I absolutely will not take from my remaining retirement funds to pay this. I need what's left. I am okay, but no further reduction is possible. 

XXXX suggests I write customer service back, asking for a deadline extension ( beyond XX/XX/XXXX, which is seven days from the freeze ), pay some now, and pay the remainder before the deadline extension. I explained to her this will not happen. I don't have the funds. 

This is where I'm at. I have written off the XXXX in my mind. There is no crypto court or law to complain to. I can only write back to customer Service, but I don't even know what I would say at this point. 

I contacted the institutions involved in my case. Namely my bank, the beneficiaries of my money, the police... I am now seeking help from you. 

I primarily hold responsibility against my bank and the beneficiaries, namely Payward Ventures INC doing business as Kraken, which is why I'm addressing you. 

Please assist me with recovering some of my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX {$680.00} XX/XX/XXXX THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE.

In accordance with the Fair Credit Reporting dct.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX AND 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 an accordance with the written my instructions
Product: Debt collection

To Whom It May Concern, The reason for my dispute is NCA # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCA is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCA is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NCA has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.