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

This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XX/XX/XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX , OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.
Product: Checking or savings account

The scam occurred from XX/XX/22 till XXXX The call came from the published Chase Customer Service that someone had initiated a wire transfer from my savings account. Because, it was a Chase Customer Service phone number, I believed iot and followed the directives by him hoping that my money will be saved. These are fully explained in the attached chronology of events. 
The moment we realized it could be a cam, we acted. On XX/XX/22, Our daughter first called the XXXX XXXX XXXX hot line and gave a report over the phone. 

She then called the XXXX Police Department. A police officer came home and took the complaint in person The incidence # XXXX XXXX XXXX. 

Our daughter, myself and my nephew from XXXX XXXX lodged a complaint with the manager of the Chase Bank Branch at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/22. Copies of Recall filed by the manger with bank and Global department are attached. 

I filed a complaint on XX/XX/22 with ic3.gov. Copies attached. 

I filed a complaint with FTC on XX/XX/22. Report # : XXXX. 

I filed a complaint with Arizona Department of Economic Security for Adult Abuse on XX/XX/22 Case # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Communicated via phone call, XX/XX/2021 with Aqua finance stated the product was in no longer in my possession. The item was installed with the co-borrower. Were in the process of an divorce. Since then I have not been contacted regarding debt. According to the fair credit act the account should be deleted from my report in due it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent accounts open in my name. I requested to the accounts be deleted from my credit report and they have failed to do this. There are three accounts from XXXX XXXX. One account from XXXX XXXX an another from XXXX XXXX XXXX.
Product: Debt collection

I'm requesting this collection be removed effective immediately, Me, XXXX XXXX XXXX, the account holder, does not know and has not had any Business dealings whatsoever with any mentioned company ARRIVE, OR XXXX WHATEVER THE CORRECT ENTITY NAME IS. AFTER RESEARCH, IT SEEMS THE ORIGINAL CREDITOR IS ESTABLISHED IN A DIFFERENT STATE I HAVE NEVER BEEN IN OR LIVED IN.
Product: Debt collection

This collection office is attempting to collect TWO accounts in my name that do not I never authorized to be open. I have attached an ID theft report with the details. Please see the attached documents. I will expect this information to be removed from my reports within 4 business days from Monday, XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is being submitted through the CFPB to inform Experian that I am a victim of identity theft and the account I am disputing does not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXXXXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete this ASAP XXXX XXXXXXXX XXXX XXXX
Product: Credit card

BB & T closed my Credit card for no good reason. I have never been late with a payment and have often carried a negative balance on the card. I was given no warning of the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Date Opened:XX/XX/2017, High Credit : {$5000.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ), XXXX ( Account XXXX : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX  XXXX ( Account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} )XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Dispute is geared towards the five credit reporting agencies, LCI, XXXX XXXX, Transunion, XXXX, and XXXX. These companies are in the business of running criminal enterprises. XXXX and LCI is in the business of selling personal and private information to Transunion, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... LCI and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The XXXX XXXX XXXX XXXX. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Product: Debt collection

I received an alert from the credit bureau indicating that Vance and Hoffman LLC placed a collection on my report dated XX/XX/2022. The original creditor is XXXX XXXX XXXX. This company was sued in multiple states including the state of FL for illegal and fraudulent loan practices. The court ordered XXXX XXXX to notify all consumers who were affected and to remove negative information from their reports. Additionally, I filed a fraud claim with the credit bureaus a few years ago which resulted in a deletion from my report from XXXX XXXX XXXX. I notified the collection company and indicated that they have the wrong information. I did not receive any correspondence or calls from Vance and Hoffman LLC. I called and requested documents to be sent to me. Vance and Hoffman LLC violated the fair debt practices by not informing me in a timely manner. The representative indicated that XXXX XXXX XXXX removed the balances that were ordered by the court, but she is stating that owe the company money which is incorrect.
Product: Checking or savings account

I closed my account with Wells Fargo ( their XXXX ) on XXXX XXXX because of the new XXXX residency XXXX ( now permanently resident in XXXX XXXX XXXX and I was forwarded forms that I was instructed to download, fill and return the original documents by courier to XXXX address in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX. Signed by a XXXX ) but have not received any meaningful response from the bank since.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Request for Deletion of Account from Credit Report Dear XXXX XXXX  XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
Product: Debt collection

Disputed account information via credit bureau. Company did not provide validity of original contract with Portfolio Recovery. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.
Product: Student loan

I graduated in 2005. Sallie Mae and then XXXX put my loans in forbearance but still charged me interest. Over time I accumulated over $ XXXX in interest alone. Sallie MaeXXXX added that to my principal balance and it doubled the amount I owe in student loans. I have a XXXX XXXX and I owe over $ XXXX in student loans and over half of that is from interest charges added to my principal balance.
Product: Vehicle loan or lease

Upon checking my credit report, I noticed an auto loan on my credit report that was reported as " late ''. The loan was from an auto company called XXXX XXXX in the amount of {$39000.00}. The account was opened on XX/XX/2023. I contacted the auto loan company to obtain more information and was told the loan was for a XXXX XXXX vehicle. The loan was opened under my name and social security number. However, the address used on file was incorrect. I reported to the auto loan company that this is a fraudulent account and I did not authorize or have any knowledge of this account until now. I did not sign any paperworks related tho this loan. I was informed to contact the credit bureaus to report this loan as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the XXXX  credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX  and Equifax credit bureau is reporting same incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : SPEEDYCASH.COM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 Re : Account Number XXXX
Product: Debt collection

Navient is calling my phone repeatedly a minimum of six to eight times a day. I have filed forebearabce paperwork with them which they are refusing to acknowledge and have stated they can do whatever they want in order to make me pay. I have asked them to limit their number of calls daily, I have blocked their number and they have used more than XXXX different number and they are harassing me over a debt I was paying regularly prior to becoming unemployed. They have said they do n't care if I have the money to pay me and that they will continue to call me as many times a day as they want until I pay them which I keep trying to explain I can not do at this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have sent a dispute letter to Equifax. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Equifax was able to identify me. 

Equifax has a legal obligation to conduct a reasonable investigation within 30 days. Equifax has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Equifax. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a grievous issue with Wise.com related to two wire transfers I initiated on XX/XX/XXXX, for amounts of {$15000.00} and {$15000.00}. The Wise.com app indicated that the transfers would be completed within 45 minutes and 2 hours respectively. These transactions were wired to a XXXX XXXX account in Wise.com 's name. 

Despite waiting through the weekend, the funds were not transferred. Upon contacting Wise.com, they denied receiving the funds and advised me to check with my bank. I shared the wire transfer instructions and confirmation with Wise.com, after which they confirmed the correctness of the account number used. 

I contacted Wise again on XX/XX/XXXX, and they reiterated that they had not received the funds and suggested my bank should be able to trace it. My bank reviewed the transaction and confirmed the wire was sent to the intended account, which Wise.com had previously confirmed. 

On XX/XX/XXXX, Wise.com still denied receipt of the funds and suggested I initiate a trace of the wire and a potential recall. I followed their advice and initiated a trace with XXXX XXXX through my bank, XXXX XXXX. 

Even after providing Wise with the wire transfer confirmation and federal trace number, they maintained they had not received the funds and made no attempts to contact XXXX XXXX to trace the money. 

Wise.com has now advised that I initiate a recall which could take several weeks. They also stated that if the recall is unsuccessful, there will be no way to recover the funds. Despite multiple confirmations from different Wise representatives that the account used for the wire was correct, Wise.com appears to be shifting the burden onto me and making no effort to locate the funds. 

The misleading transfer time advertised and their lack of effort to resolve the issue have caused significant frustration and inconvenience. I hope that CFPB will help in resolving this matter. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Equifax report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What Metro2 compliance procedure was used in the reinvestigation of these accounts? Was the furnisher Metro2 compliant? Which aspect of Metro2 were they compliant with in the description of their response? What aspect of Metro2 in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ). Can you please see to it that EQUIFAX follows ALL Federal laws in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I am resubmitting a compliant about Sallie Mae because I caught them on another lie. My original compliant was XXXX. Their response was that my checking account number was wrong so that is why after they approved my payment, they reversed and rejected it. So not only did they confirm that the reversal was on them ... .they purposefully rejected my payment which now shows on my account that I have a late payment in my payment history. I attached a screenshot that shows that their website restricts you from reviewing your payment prior to submitting if your account number is entered incorrectly. So if I was able to submit my payment and receive a confirmation from the company, then my account information was correct. If it accepted the payment then I also had funds on my account to receive an online receipt. Therefore that is proof that I had the funds and my payment was processed accurately. Sallie Mae chose to send the money back which will have a negative impact on my credit report. I believe this is an FTC violation.
Product: Prepaid card

I received a Pre-Paid Citi Card ( debit XXXX ) due to a large purchase of a XXXX dishwasher. 

The card was a {$200.00} pre-paid card. I assumed that I could only charge {$200.00} and that would deplete the card to zero. Any additional amount that takes me beyond the {$200.00} limit should be declined. 

However, that is not the case apparently. These pre-paid cards are being sold as a " pre-paid '' card, when in fact you can go negative on your balance. Essentially charging more than the limit you are given. Citi-Prepaid says that this happens if there is a charge pending and another charge hits while the other XXXX is pending. Irrelevant in my opinion. This is fraudulent and should NOT be allowed to happen. 

I had to speak to XXXX different people with XXXX different companies to try to resolve this - Citi Prepaid Customer Support and the " corporate office '' that they transferred me to. I was transferred back and forth, disconnected 3 times, and spoke with XXXX different supervisors. No one could resolve my issue. I have a NEGATIVE balance on my card of {$16.00}. Consumers should be protected from this type of activity. 

This is actually a scam being run my credit card companies and should be stopped.