23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit card

i got a letter in the mail today from citizens Bank saying I was denied credit. The problem is that I never applied for credit card with them and furthermore I have had a fraud alert on my credit report with all XXXX bureaus stating that I have had people submitting fraudulent applications in my name and in case anybody applies for a credit card under my name to call me first and verify that is me before they run my credit!! Needless to say I never received a call yet they still ran my credit which severely impacts my credit score. when I tried calling them I just keep getting rerouted and rerouted from Department to Department until eventually I got a departmnent that was closed!! This should be illegal ... what is the whole point of a fraud alert if they do n't follow the rules??!!!
Product: Credit card

XX/XX/year>. I contacted Pen Fed bank to for to speak with them about my business that I started and it failed and if they could help me before my accounts became delinquent. They recommend the XXXX XXXX XXXX. They emailed me the applications explain the process and guided me through the process over the phone and I filled out the application .They told me it would take time before the application was reviewed .They told me what they needed me to give them. This included financial documents from the business, tax forms for the business, my personal tax records from my job, XXXX 's, my paycheck stubs and I sent them in they confirmed that received them She told me the accounts would be considered delinquent and they could be deferred for XXXX months to XXXX XXXX but they would still accrue interest. They told it could take sometime before it was approved because they needed to review it. I waited patiently and I called in and I was just told XX/XX/year> that my hardship was denied on back on XXXX XXXX. I did not receive any notification. They said that they sent it XXXX XXXX Mail. I asked them, why did I receive an email? They would not answer the question. The accounts were charged off. She said she could still help me re-age the accounts and I gave her payment over the phone. I gave her payments over the phone and the next day I spoke with a Supervisor and she had to records or notations on my accounts. They did cash and process the checks. They told me that the call had been recorded and I asked her to go back and listen to the call. It was XXXX hour and XXXX minutes long. I also email the President of PenFed he did not respond to me .But a Supervisor email me yesterday and told me that she receive a message for upper management and stated you emailed the president and she was told to reach out to me. I was told things could not be reversed and she would try to work out a solution but we were unable too but she would reach out to the hardship manager. Every representative I have talked to has a different explanation about how the bank operates and the end result is the same. No resolution. They admitted somethings were done right and somethings were done wrong after one of them listened to the recorded message. I have attached a detailed XXXX page document that goes into great detail about my situation. I could not get it pasted into this field. Please review it. I need help. My credit report just dropped significantly and I have some collection agency calling me at work after I told her I would talk to her but it would be after XXXX XXXX  but she said it had to be before XXXX XXXX. I attached documentation. I told her that I am a XXXX professional working in the XXXX field and we have a strict cell phone policy especially working with sick patients. I adhere to the policy because I can get written up and lose my job she would be the cause of it. When I talked to her, She said I had to pull some money off of other credit cards and give it to them. I told her no I am already struggling with this. This was not my error. I was misled. Please review the other document with the full summary of what happen to me. Thank you
Product: Credit card or prepaid card

We have been Wells Fargo customers for 20 years. We discovered approximately {$8000.00} in charges we did not make. We filed 3 fraud cases only to be told by their computer algorithm that it was consistent with our spending. It is not. We are happy to pay for what we owe but not those charges. Now, they are suing us. They are ruining our lives.
Product: Credit reporting

I am filing a complaint against Equifax. On XX/XX/2016, I requested the removal of a Chapter XXXX bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2016, Equifax responded and said the information was verified by XXXX. I made contact with XXXX who confirmed that nothing was verified due to a security freeze being in place. 
My question is : How was Equifax able to verify this information if XXXX was frozen?
Product: Credit card or prepaid card

https : XXXX This link is to what Capital One says the benefits are for the Platinum XXXX XXXX. According to XXXX XXXX, Capital One Platinum XXXX XXXX HAVE NO BENEFITS. My wife and I booked a plane trip on this card in XXXX, XXXX. My wife fractured her leg and could not travel. I contacted Capital One to get a refund under the travel benefit. A representative in the XXXX said there " are no benefits ''. I asked to speak with a US supervisor and was told " there are benefits ''. The representative had a three way call with XXXX XXXX  XXXX XXXX SAID PLATINUM CARDS HAVE NO  BENEFITS. The representative said he would " refer the case to the executive office ''. I called the executive office twice and was told that the case has " not yet been assigned to anyone ''. It has been two months and I STILL CONTINUE TO GET EMAIL FROM CAPITAL ONE TELLING ME ABOUT THE BENEFITS EVEN THOUGH there are no benefits.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Student loan

On XX/XX/XXXX, called Edfinancial and spoke to a representative : I asked for a refund of 2 payments I made during the CARES ( Coronavirus Aid, Relief, and Economic Security Act ) period ( XX/XX/XXXX, XXXX XXXX, XXXX ) .Under {$3000.00}. They told me 3-6 months for a refund with no email confirmation or any notes on my account I could see. They just said they will send in the request. 

XX/XX/XXXX I called Edfinancial again after seeing my balance update on Edfinancial 's website but no sign of my refund check, they told me could take a while, it was up the Department of Education. thats all that was said. 

As of XX/XX/XXXX havent received any sort of check, and I have seen other people with higher loans receive theirs.
Product: Debt collection

I sent a letter requesting the validity of debt to Fair Collections & Outsourcing regarding the account Fair Collections & Out XXXX on XX/XX/2022. 
Federal law requires that collection agencies respond promptly within 30 days. It has now been 36 days since this company has received my letter as failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). I am now requesting that you DELETE this item from my credit report immediately. Additionally, you failed to validate this debt at my request, which is a FDCPA violation, and you continued to report inaccurate information. I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies on my credit report and the lack of resolution after repeated attempts to dispute these items with XXXX, Transunion, and XXXX. I have attempted to dispute several inaccurate items on my credit report through the standard dispute process, requesting that the reporting agency provide proper verification. Specifically, I requested documentation, including a copy of the original agreement containing a " wet signature '', as proof of the validity of the accounts in question. However, despite my good faith efforts, I have not received adequate evidence to support the continued reporting of these items, nor have the disputed items been removed. The items in question are from XXXX ( XXXX ) for the amount {$2000.00} as well as a collection account from a business named XXXX XXXX XXXX for the amount of {$470.00}. On XX/XX/year> I asked XXXX, XXXX, And Transunion to provide me with verification and that didn't happen.
Product: Credit card

XXXX account of mine was taken and charged and reported and charged in Nevada with none of my accurate information yet they won't return my fundsbeben with documentation proving I did not live anywhere near the address or even the state. I sent police report and a identity affidavit complete history of residence through postal etc the email but I can't respond I get through they lie. I'm denied so I sent proof still denied.
Product: Credit reporting or other personal consumer reports

Experian 's website says you can freeze the credit of an XXXX  consumer but does not explain where/how to do this. I could only find a form to request a credit freeze for a XXXX. I logged in to my online Experian profile and tried asking the chat bot to provide the information, which it did not. I also called the customer service number and the automated system did not provide a relevant option or allow me to connect with a live agent. 

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  Experian is making it nearly impossible to figure out how to do this.
Product: Credit reporting or other personal consumer reports

Identity theft 3 account were opened in my name. Fraud reports and ftc reports already made Experian and XXXX did not remove these accounts after proof was given from authorities XXXX  XXXX XXXX Balance {$5800.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$4700.00} XX/XX/2023 XXXX XXXX XXXX Balance {$6800.00} XX/XX/2023 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. 

XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions
Product: Money transfers

While receiving payments via Venmo and Paypal, it is not clear that the funds stay with those services until I manually log in and request that the money be transferred to my checking account. In both cases, the money rests with them and does not collect any interest.
Product: Credit card or prepaid card

I accepted a promotional offer by Citi Credit Cards to do a balance transfer for car loan at XXXX XXXX. I used a check sent by Citi with which I was supposed to pay the remaining balance on the loan, which was {$2300.00}. After submitting the pay-off check to XXXX XXXX on XXXX XXXX, I later received a letter from XXXX XXXX informing me the check was returned to sender. This is reflected on a XXXX XXXX account statement indicating the payoff was reversed on XXXX XXXX. 

I therefore called Citi to inquire about the reversal. They informed they did not know why it did not go through and then recommended I send a second payment, so I authorized a second payment of {$2300.00}, the increase in amount accounting for interest accrued since the reversed payment. The second payment went through to XXXX XXXX, which was reflected on my XXXX XXXX account statement. However, my Citi account showed that both payments went through, both the {$2300.00} AND the {$2300.00}. 

I called Citi to ask about it, and they told me they would start an investigation into the payments and told me to tell XXXX XXXX that Citi would be calling. I then called XXXX XXXX to inform them of this. 

Several days later, I called Citi to ask about the status of the investigation. They did not know the status and could not tell me. They said they tried to get me in touch with an account specialist but could not get ahold of one and recommended I call back later. 

A week later, I called Citi again to ask about the status and hopefully get in touch with an account specialist. I was then bounced around to several departments, each one saying that they would transfer me to the correct person, none of whom actually helped me. Finally they directed me to a person purporting to be able to help, but she began asking the same questions that were asked when I first filed the dispute and told me to inform XXXX XXXX they would be calling. This didn't make sense as an investigation was already allegedly underway. I asked to speak to a manager and was put on hold indefinitely. I had already been on the phone for 41 minutes, so I did not want to wait any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to the credit bureaus regarding unauthorized inquiries in my credit profile. 


Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
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 XXXXXX/XX/2021 I also demand you , ( Transunion, XXXX, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NJ Best Regards, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website I found that neither Transunion, nor XXXX XXXX and XXXX XXXX are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the above listed companies to the Texas State Treasury XXXX Department. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to talk to the XXXX people which are called the Lexington law firm. I have paid off my account of {$130.00}. And the same with XXXX  it is not showing that I paid it. The same with my XXXX account on my XXXX account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And Lexington law charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money XXXX less accounts are closed. Charge extra for them in their pockets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent hack to XXXX files. In an effort to secure my identity and credit, I have been placing a credit freeze on my accounts. I have been successful with placing freezes with XXXXx and XXXX. I did it online, and it was done within minutes. 

However, Transunion has been giving me problems. They are unable to handle my request online - the others did and did it promptly. When I call the number provided by Transunion - XXXX, I have waited on the phone for no less than XXXX hours a day, waiting in cue for a customer representative of TransUnion to pick up the phone so that I can put a freeze on my account. This has been since the announcement came on Friday night XXXX. 

I am a victim and Transunion is further victimizing me. They are inefficient with services. There is no reason for them to not operate efficiently like the other XXXX reporting agencies. They are leaving my credit vulnerable by letting me wait hours on hold to now not even get into a cue. I get a busy signal! I ca n't freeze it online with the same information that I supplied to the other XXXX companies. What is the problem? I want a freeze placed on my credit today and I want an apology for their ineptness and their role in further victimizing me and leaving me vulnerable to attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to Experian, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

GoodLeap , LLC is a finance company for solar panels. On XX/XX/2023 my Wife, XXXX XXXX sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my XXXX credit score to drop XXXX points ( XXXX to XXXX ) since XXXX. 
They knowingly violated the FCRA by not accurately reporting the dispute. And I have never been contacted by GoodLeap about this account.
Product: Checking or savings account

Discover bank closed, no prior notice, no warning. I do not have access to my funds at all. I can't feed my kids, pay my taxes, pay my bills, mortgage, we are out on the XXXX, this is unethical beyond. We are kicked into poverty. I had my savings in there, my kid 's savings, and my checking account, I want my money ... .... this is so beyond unethical and shady. They just shut it off with no access to anything. It will all bounce, this CAN NOT HAPPEN. DISCOVER IS UNETHICAL.
Product: Payday loan

They Keep HARASSING me using fake numbers from the XXXX XXXX assistance hotline. They will call saying that they were going to serve me papers and come put me in jail over a payday loan. They even went as far as threatening to come up to my job if i dont abide by they 're rules and " Laws '' that they have. Lied saying that i commited bank fraud when i simply had to change debt card 's due to unauthorized activity on my account.
Product: Payday loan

Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. 
Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.
Product: Debt collection

The debt being reported on my credit report by AutoTrakk is not being reported correctly. Upon pulling my credit report today, I still see that this debt is being reported inaccurately. I have made numerous attempts to rectify this with the AutoTrakk and with the 3 credit bureaus-XXXX, XXXX  and XXXX individually. I keep getting response to my method of validation request as " verified as accurate '' when clearly this account was not verified for accuracy as it is inconsistent and full of errors in comparison to my 3 bureau credit report. I have a right to request an account to be investigated. I want to ensure that everything on my credit report is an accurate representation of myself.For instance, my XXXX  credit report from AutoTrakk is reporting a monthly payment and a balance due on a charge off. I do not have any written payment agreement on file with this company so how is a payment being reported and the balance didn't change. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. I am requesting that this be deleted immediately from all credit bureaus or update with the correct information and send me copies of all documentation that support the amounts and/or dates reported on my credit file for this company.