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

XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : DEPT OF EDUCATION/XXXX   Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF  EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2024 my entire paycheck was stolen and transferred to another account. The company was fully aware and proceeded to still let the person have access to my account. And my money was never returned.
Product: Credit card

I sent a letter to XXXX XXXX XXXX XXXX requesting a validation of the information they are reporting on my credit report. I received a letter on XXXX stating they had no info as the debt was sold to the XXXX in XX/XX/year>. If the debt has been sold, they should not be reporting anything on my credit report if they no longer own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from XXXX of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}
Product: Debt collection

The name of the account is XXXX XXXX this is the original debt collector and they sold it to CBS collections without consent. This account stated that it was open XX/XX/2019 for {$6900.00} owed. The actions that were taken was myself disputing on several occasions and written letters to the company and the bureau.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, and I am filing a formal complaint against Wise ( formerly TransferWise ) regarding the wrongful and unjust closure of my account. I have been a loyal customer of Wise for several years, consistently utilizing their services to the benefit of both myself and their company. Throughout my time as a customer, I have provided all requested documentation, and at no point was I ever informed of any issues or violations that would warrant such drastic action. 

Recently, Wise abruptly closed my account and refused to provide a legitimate reason for this decision, citing vague regulatory restrictions. Their communication lacked transparency, leaving me feeling as though I have been treated like a common criminal without cause. Despite my attempts to appeal this decision and provide any additional information they might require, Wise denied my request to reopen the account without offering any clarity. 

I feel that Wises actions are not only unfair but also damaging to my reputation and financial standing. As someone who actively brings revenue to Wise through regular transactions, I find this treatment unacceptable. I have no issue escalating this matter further, including pursuing legal action, if Wise refuses to provide a just resolution and restore my account. 

Wise is a regulated financial institution, and their refusal to disclose why theyve taken this action is a violation of transparency and fairness principles. As a consumer, I expect to be treated with dignity and respect, especially by a company with which I have had a longstanding relationship. 

I urge you to investigate this matter thoroughly, as I am prepared to take every step necessary to ensure that my rights as a consumer are protected. I look forward to your assistance in holding Wise accountable for their unfair practices and getting my account reinstated. 

Thank you for your time and attention to this serious issue. 

Sincerely, XXXX XXXX Wise XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported recent late payments when account was written off. I the consumer never received a XXXX for account as company status of write off suggest they did send one .I tried to have this account investigated and bureau refuse to do a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by Wells Fargo to one of the credit bureaus, XXXX. I have recently settled a collection account with Wells Fargo, and while this has been accurately reported as " paid '' to XXXX and XXXX, XXXX 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with XXXX and XXXX potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to XXXX is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that Wells Fargo takes immediate action to rectify this error. Please update the status of my account with XXXX to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if Wells Fargo could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that Wells Fargo adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Tx XXXX XX/XX/year> RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX Account # XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear RADIUS GLOBAL SOLUTIONS, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
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 15 USC 1681. 

Here are TransUnion Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove XXXX  XXXX inquiry reporting fraud as well .

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

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, you are required to eliminate any incorrect accounts from my credit report. Could you examine the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.
Product: Checking or savings account

XX/XX/XXXX : Opened Citibank checking account after getting an offer for {$700.00} if I deposit $ XXXX and leave it there for at least XXXX mo XX/XX/XXXX Call to close my account. I ask agent if it's possible to get my funds electronically, he says no, it's sent by mail. Account is closed. 
XX/XX/XXXX : Call to inquire where my money is. They say it can take XXXX days. 
XX/XX/XXXX : I call back, give up after ridiculously long hold times. 
XX/XX/XXXX : I call back, it's escalated to Manager XXXX, who says, " XXXX business days '' so I should have it by XX/XX/XXXX. He promises to call me at noon on XX/XX/XXXX. I get no call. 
XXXX : I call Citi to complain again. Supervisor tell me it takes XXXX business days plus XXXX more business days for USPS to get it to me. I ask what happens if I still don't have it. He tells me the only option is the start the XXXX process all over again. I ask him to escalate to someone who can either transfer it to me electronically or at least mail it with postal tracking. He says it's not possible. 

I feel I have no recourse. They continue to earn interest on my money and there's no guarantee as to when I'll ever get my money back.
Product: Checking or savings account

On or around XX/XX/2023 I sent {$40.00} to my sister n law XXXX XXXX who reside in the XXXX. After sending the money I contacted XXXX to inform her that I sent her the funds she requested from me. She informed me that she no longer needed the {$40.00} I sent her via XXXX. I attempted numerous times to cancel the transaction online in the XXXX website with no succes. Fraudulently their option to cancel through their XXXX website doesn't work. I called and called but I couldn't reach XXXX customer service as they seem to refuse live calls. I then turned my back card off so they could not charge my card. XXXX without authorization charged my second bank card in the amount of {$43.00}. This was theft as I didn't authorize them to charge my card ending in XXXX. The original card ended in XXXX. I also have requested for XXXX to remove my card information from their stored information numerous time and to this date they conditions store my card information. I don't trust them and looking for to resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my free annual credit reports online at XXXX today, XXXX/17, and after receiving and downloading the first report from Trans Union, I followed the prompts to return to the site to get the next report. I clicked to link to get the next report and was taken to a blank page with no indication of action happening. After 30-45 seconds, I clicked the " back '' button only to discover that the site thought I had already seen and downloaded my second report. I followed the link to receive my next report again, and the same thing happened. I clicked the back button again, thinking I could try again and was told something like, " see you next year when you can get your free report again. '' I never received two of the three reports due to website issues on their end and I am furious. 
I called their phone number to try and receive the reports by mail, but since they probably think I got the reports online ( even though I DID N'T ), I feel sure wo n't get them. I do n't want to wait and try to find out. I am being proactive and trying to deal with it now, but there is no actual way to contact the service, so I feel like I 'm totally screwed. I want the free annual copies of my XXXX and XXXX reports that I am entitled to and I do not want to be punished for poor website functioning. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.
Product: Mortgage

My wife and I believe we were denied an equity loan based on our age. Here is the story. 
We bought a house in XXXX Michigan in XXXX of 2013 that had been foreclosed on by the XXXX. We paid the appraisal price of {$69000.00} for the house and financed {$55000.00} with XXXX. We put over {$30000.00} into the house completely remolding kitchen and bath ; replacing all cast galvanized water pipes with XXXX ; upgrading electrical ; new double steel insulted garage door ; installed covered patio ; restored outside sprinkler system ; new hot water tank ; all rooms were painted and the hard wood floors through the house were professionally refinished. Our house is now XXXX of the nicest in our subdivision and with a lot size of XXXX acre has the biggest yard. Comparable houses in our neighborhood which there are XXXX listed XXXX for {$110000.00} and the other for {$110000.00} neither have updated bath or kitchen. All to say our house would clearly appraise and sell for well over {$120000.00}. 
We recently decide to get a home equity loan with 5/3 Bank. After XXXX or more weeks of just XXXX more document after another we were finally approved pending an appraisal. When we first met with 5/3 loan officer the first thing i ask was if the appraisal would be a walk through not just a drive by. We were assure XXXX that it would be a walk through so 5/3 could see all of the improvements we had made to the house. After calling several time the loan officer said the appraisal came in at XXXX therefor we could n't get an equity loan. The loan officer said yes it was a full appraisal. This was not true and i informed her that i was there when a guy came by and took some out side pictures. I ask him if he was coming in and he said no he was paid {$25.00} to take picture and that was all. 5/3 has refused to preform an appraisal even though they had promised to preform XXXX. We believe it is 5/3 way of discriminating based on age.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my consumer report I did not authorized. A inquiry with XXXX XXXX  ( XX/XX/year> ) and XXXX ( XX/XX/year> ). I reached out to these creditors and I have not received a response. Therefore, I must request your help in resolving this matter. Not only did I not authorize this but I never provided consent for these to be furnished to my consumer report. Please delete the following unauthorized inquiries. They are misleading and causing me to be denied credit. The inquiries are listed on XXXX, Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

It's been over 30 days, and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment, they have not supplied this information and they must delete the payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from my credit report asap, late payment : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax refuse to remove incorrect information info despite have a ftc report with Identification included. the instructions are pretty clear when it comes to FTC reports on fraud and identity theft and should not be met with a debate between a reporting agency that assumed the role of collecting personal data for profit i will be seeking litigation for.