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

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX of 2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to XXXX my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.
Product: Checking or savings account

Cash app had closed my account for no reason whatsoever I had tried to deny the account being closed because there was no reason for it and it got denied with no reasoning I submitted it XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a dispute XX/XX/2022 concerning the Capital One account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
XXXX is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor XXXX the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.
Product: Debt collection

I received a letter of debt from McCarthy, Burgess, and Wolff stating I owed a debt to XXXX. I called XXXX and I do not have a debt. The amount they say I owe is {$82.00}. The letter is dated XX/XX/year>.
Product: Checking or savings account

Currently dealing with Wells Fargo Bank in XXXX XXXX XXXX, I am writing this because on XXXX XX/XX/XXXX I filed a dispute for XXXX unauthorized transactions totaling up to over {$2000.00} on my Debit Card. On XX/XX/XXXX Id gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the XXXX proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in XXXX business days which would be XX/XX/XXXX. Im writing this today to inform you that it is XX/XX/XXXX and Wells Fargo has denied my claim and denied my rights to be reimbursed and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family. I am left having to rebuild all the money I saved recently. I am XXXX to my XXXX about this matter and I just want it resolved. Please help. Thank you
Product: Checking or savings account

XX/XX/2022 - We deposited an {$18000.00} personal check and a {$920.00} XXXX XXXX XXXX check into our joint checking account. The deposit was held pursuant the three-day restriction stated by ALLY bank. 

XX/XX/2022 - We made a {$300.00} XXXX payment and were subsequently notified that the payment wasn't received, wherein it was cancelled and a replacement payment of {$300.00} was made on XX/XX/2022 to replace the original transaction. 

XX/XX/2022 - We receive notice that the {$18000.00} was available, and we ordered a wire transfer for {$17000.00} to pay court awarded attorney fees. Informed that this would take two days. 

XX/XX/2022 - Received an email of a banking PIN change, which I attempted to respond to only to be locked out of our joint account and my Social Security direct deposit. Subsequently, contacted by ALLY Fraud security interrogating me as to the deposit of the {$18000.00}, requesting proof that the wire was being directed to attorney 's fees and questioning the XXXX payments of {$300.00}. Despite providing this data contemporaneously, ALLY continued to block access to our joint account and my Social Security direct deposit. 

XX/XX/2022 - I was directed to contact ALLY due to suspicious activity they had detected on XX/XX/2022 and they locked all my accounts and refused to release my Social Security direct deposit. 

XX/XX/2022 - My wife was contacted by ALLY fraud prevention demanding personal contact data as to the individual that had issued the {$18000.00} check despite having his banking data in hand before agreeing to release our accounts. The party that had issued us the {$18000.00} check reported that ALLY had contacted him by phone requesting not merely if he had issued the funds but inquired as to the nature of why the funds were issued. 

XX/XX/2022 - ALLY finally released the holds on the account and issued the wire transfer and we were able to gain access to our joint account and my Social Security direct deposit. ALLY was notified on the call from Fraud Prevention that we would be filing a report with the CFPB regarding the matter and notify Social Security of the restrictions it had posed upon my retirement benefits. 

XX/XX/2022 - ALLY Customer Service issues a statement acknowledging their unsatisfactory service while misconstruing the facts as supported by the correspondence evidence in email and facsimile formats. No explanation and exception were at any time provided regarding ALLY 's restriction to my unmingled Social Security direct deposit funds, which is a violation of law and SSA and US Treasury Regulations.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 or prepaid card

On XX/XX/2022 I made an online payment towards my CitiCard XXXX XXXX in the amount of {$120.00}. 

I called Customer Service on XX/XX/2022 to cancel said payment as it was made in error. The agent handling the interaction said that the payment was refunded and should appear in my account in XXXX business days. 

Refund appeared in the amount of {$150.00}. Due to refund I made an additional payment of {$120.00} on XX/XX/XXXX as planned. 

I chatted Citi customer service because my minimum paymennt increased to {$160.00} for the 2 billing cycles immediately following refunded payment. Agent explained that the change in mimimum payment was due to the length of the billing cycle and would auto-correct. 

On XX/XX/XXXX, I called Citi because my minimum payment never returned to the {$120.00} that was agreed to and discovered that the payment cancellation I requested was processed as a charge to the card balance and debited to my account. This was done without my knowledge, understanding, or an explanation of the ramifications of such a decision. The call was escalated and a Supervisor agreed to provide a {$100.00} credit which would result in my payment returning to {$120.00}. 

On XX/XX/XXXX my statement was made available and my minimum payment increased to {$160.00}, from the initial {$120.00} and erroneous {$160.00}. I called and spoke to a Supervisor who said she could not fix my minimum payment even though i was told it would be fixed by the last Supervisor. In addition, she stated that there was no one else who could assist me in any way and furthermore, that I must pay the {$160.00} even though I was told something to the contrary.
Product: Debt collection

I have no idea of this account. It was opened around the same time my identity was used on several different medical and bank accounts. This is not my debt!
Product: Debt collection

This is in reference to Citibank credit card. the debt was in the hands of XXXX XXXX XXXX before I became XXXX as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.
Product: Debt collection

I went to get a CT scan at the XXXX XXXX XXXX Hospital. They called the insurance company to get pre approval. I asked the woman who called the insurance company and she said yes you are approved. I further asked her if I owed anything and she said no. When I called the collections dept at XXXX the woman was belligerent and said well the woman never said you were covered 100 % - she quibbled over words but to me not owing anything and 100 % is a difference without distinction. The fact is that the lady who called the insurance company was an agent of the hospital. When I asked her professional opinion she gave me the wrong information. They are telling me I owe them XXXX which is unfair b/c had I known that I would owe my own money toward the service I never would have had it done. I am deeply troubled by their comments/attitude/lack of knowledge. If someone deals with insurance companies and are asked if they are 'covered ' and if I would owe anything than their answer should be able to be relied upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reached out XXXX XXXX XXXX with the no provided on my credit report XXXX i call that no which give option XXXX spoke to XXXX where she ask me my PII after asking her what this situation is all about I never own a card or get any services for vehicle there i own a XXXX  XXXXfrom XXXX XXXX i could not take my vehicle to service any were only the dealer which is XXXX XXXX she transfer me to the main branch within a next department XXXX spoke to the manager XXXX he ask for my name and Ss he said he have nothing in is system for me my wallet was stolen from my place of business in 2017 it seems all my PII was compromised this is the truth I did not do this and all I am trying to get a loan for my XXXX  I am only getting hard copy because of something I didnt do
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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I have been unfairly charged interest because my auto payment each month has not been allocated toward the expiring promotional balances. I cant allocate it online so have to call to make sure it goes towards the expiring balance. In the last year it has become more and more difficult to do this even when I call or use the online chat feature. They tell me its too soon to allocate it and I need to contact them closer to the expiration date. Then they will say there is nothing they can do to reverse the interest charge. I have talked to managers and spent time on hold only to be hung up on with no call back. I think they are fraudulently trying to make money, as Ive always paid the balance and these are 0 % interest credit options if paid within 6 months, which I always pay off on time. My credit history and score is good/excellent and I dont want this to impact that unfairly in addition be charged interest that I shouldnt be paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a capital one credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted capital one they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to Transunion for allowing these fraudulent activities on my file. These accounts just suddenly appeared on my credit file. I have no knowledge of these accounts and never heard of the original creditors. I did not receive a dunning letter nor any attempt to contact me which is required by law to do. This is so stressful and I need your help in resolving these. In the meantime, It is an urgent matter. Could you kindly block these fraudulent accounts under the Fair Credit Reporting Act section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX  date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX
Product: Money transfer, virtual currency, or money service

back in XXXX  ( apologies i wrote XXXX previously ) I sent over XXXX to my landlord, because of the cash tag being incorrect it went to someone else. I reached out to cash app to see if they would help me, at least open up an investigation or credit me the amount, anything. instead they pretty much said it was my fault and never refunded anything. since then I lost that cach app password and had to create a new one and am soooooo super careful with this one now. 

Also XXXX will not let me into my account. When I try to access the acct they ask for my personal ID, then say I don't have an account with them. YET when I try to create a new one the system says my social already exists with they're site.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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: Money transfer, virtual currency, or money service

VENMO!!!!!!! I needed money for bills and a friend sent me XXXX dollars. Its my first ever Venmo transfer. Venmo doesnt let me transfer funds to either of my bank accounts keeps saying something went wrong. Not able to complete. So I go to their crypto page purchase XXXX XXXX XXXX to transfer to my external wallet and cash it out there. Wont let me do that either. Frustrated and without a clue in the world no warnings or pop ups for information I sell the crypto back and boom they hold the funds for review!!!!! They made me spend XXXX dollars to try and access my funds to my bank account and they so say have a right to still hold my money and I Might have access to it in XXXX days. Today is XX/XX/year> eta for funds access is XX/XX/year>. They claim all is subject for review so at their will they can hold my money charge me XXXX dollars and then lock my funds up for the sake of their integrity is what I was told. Why hasnt anyone shut these places down yet. XXXX and Venmo are the absolute worst. Charge you everything so you get nothing back. I have XXXX XXXX that will be without water and electricity and food because of these poor actions taken by these fintech monsters. Please help asap
Product: Debt collection

In XXXX of 2021, I received a notice from Hunter Warfield regarding {$200.00} in debt accrued by me from a housing complex in Florida. The debt is not mine- I have not been to Florida in 20 years, was out of the state when the alleged signing occurred and the information on the housing application contained clearly fraudulent information. I contacted Hunter Warfield immediately and told them this was a fraudulent debt. Hunter Warfield asked me to send in pertinent information, including my State ID, Passport information and to file a police report. I did all of this and sent my information into HW. HW then said they were going to investigate my claim of fraud. In XXXX, I received another notification of the " verification of debt, '' with the same fraudulent lease application. I again sent in the requested information. On XX/XX/XXXX, I received a notice from my bank notifying me that my Credit Score has a Major Derogatory about an unpaid debt from Hunter Warfield. I again called HW and they notified me that they have no record of any submissions of information from me and that my claim of fraud has been denied. They then told me they'd transfer me to the correct department only to hangup on me. I tried calling XXXX more times throughout the day and have not been able to reach an individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only XXXX has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX