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

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX paypal paid XXXX XXXX {$39.00} I filed a dispute on this under item not received. PayPal has not fully processed the dispute and they keep trying to pull this amount from my Checking account.
Product: Debt collection

Wakefield and Associates are trying to collect on medical debts that has already been paid. They also have been threatening to place these accounts on my credit report. The debts are for XXXX XXXX XXXX XXXX XXXX. I was first notified of this in XXXX of XXXX that I owe {$540.00} for XXXX XXXX XXXX room visits dated XX/XX/XXXX and XX/XX/XXXX for a total amount of {$1000.00}. I informed them that the bills have been paid and has a {$0.00} balance. They told me to send proof of payment to their email address and several weeks later they finally said they received the email and that the account is in review. On XX/XX/XXXX I received a text message from XXXX with another XXXX XXXX XXXX  XXXX this time dated for XX/XX/XXXX in the amount of {$540.00}. I do not owe anything for that date either. All of these accounts were paid by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX matched the hXXXX  amount and adjusted their accounts to a {$0.00} balance. XXXX XXXXXXXX has also confirmed that the balance is {$0.00} and these accounts are not in collections in any collection agency. It is against the law to lie about an amount a person owes and to knowingly report inaccurate information to the credit bureaus. I dont know how Wakefield got these accounts information but these accounts are paid in full and I would like for them to delete these accounts from their records. If any additional information is needed to verify that these accounts have been paid please contact XXXX XXXX at XXXX or at XXXX or XXXX XXXX XXXX at XXXX. Ive also attached the financial assistance approval letter from XXXX XXXX and a billing statement from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

COMENITY bank processes payments for XXXX. But they take so long to process payments that then they charge you with a late fee and interest.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( private ), a mortgage account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a mortgage account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), a mortgage account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Aspire credit card charge me full payment when I dod not authorized. When O called they said it will take 3 weeks to process.
Product: Checking or savings account

I had my accounts at Wells Fargo Bank since XXXX and had to change my account a few times due to unauthorized transactions and unknown transactions that came with overdraft fees. When speaking to the bank representative was given assurances that a claim was put in, transactions would be credited bank and fees returned and those things didnt happen on a few occasions. Then there were times where they did not give back the fees, as well as incorrectly reporting my credit score for years so I was unable to apply for any credit products with my bank of 8 years. Right now my main checking account was closed before I found out it was due to overdraft fees that was supposed to been returned back to my account for transactions that were returned to my account that was associated with the fees but the fees was never put back and now I have to go into the bank to try and resettle this issue because it was never correctly done from XX/XX/XXXX.
Product: Debt collection

On XX/XX/2020, I, received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with current creditor : Crown Asset Management , LLC, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither Crown Asset Management and/or current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX at XXXX XXXX ( not sure which time zone ) I contacted XXXX ( Synchrony Bank handles their credit card ) from XXXX at XXXX to ask how I could pay them, the {$32.00} TOTAL I owed them and that was due on XX/XX/XXXX, because I was overseas, I did not have my full account number, only the last four numbers, and was having difficulties trying to pay online. I was told that I could send a check through my bank to an address they gave me ( XXXX XXXX XXXX, XXXX, GA XXXX ) and that the last 4 numbers and my name would suffice. After asking for reassurances, that were given by XXXX, that was done, according to my bank, on XX/XX/XXXX ( Check # XXXX was mailed to XXXX XXXX XXXX/Synchrony Bank for receipt by XX/XX/XXXX ). I then forgot about them since I had not incurred any other charges. Some time after I got back, I was catching up on my mail on or about XX/XX/XXXX, when I opened a XXXX statement and to my utter surprise found that they were saying I was delinquent for the XX/XX/XXXX payment, and had various additional charges. I notified them immediately about the error, what had transpired, AND sent them proof of the payment sent. I also told them that the payment had NEITHER cleared my bank nor been returned to the bank 's payment service. After a series of contacts, including phone calls, they advised that it could take 30 days for them to investigate what happened to the payment. I was n't happy it would take that long, but there was not much I could do about it. Then, I received an alert from one of my other credit cards ' credit alerts service advising that my score had changed. It seems XXXX/Synchrony had negatively reported me and my score had taken a hit. At that point, I contacted them again and expressed my outrage ( I have more than 6 other accounts with them, more or less, never late, etc. ). They were very disorganized and not understanding what was happening. I was trying to explain that, at the very minimum, they should suspend all the charges and statuses until they could determine what happened to the check. I then filed a dispute with the credit bureau or bureaus and, lo and behold!, they were able to immediately respond to that action ( no thirty days required for that ) and sent me statements about the payment not showing up and, therefore, declaring the reporting as being correct. No payment is showing up because something happened at their end at the address they gave me!! They are absolutely clueless and disconnected from their departments but, in the meantime, they are UNFAIRLY and WRONGFULLY hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Account closed in XXXX. Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, transunion and XXXX to resolve the issue. 

The reportings are : XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a account with Wells Fargo Bank on XX/XX/2016. I told them that I did NOT want my Social Security check transferred until I get all my automatic withdraws taken care of and then close my old account. They told me no problem and to come in when I was ready to do this. They transferred my Social Security check to my new account on XX/XX/2016 without my permission. On XX/XX/XXXX, the date my direct deposit goes through, I was negative in my old account due to Wells Fargo switching my Social Security check direct deposit. I went into the bank and talked to the representative and the branch manager they told me that they never sent anything in and no paperwork was sent in. I told Wells Fargo that they did because I talked to Social Security office that day and they told me that it was deposited in the Wells Fargo account. I 'm now getting charged every day over draft fees. I went back to Wells Fargo to explain that I shouldnt be responsible for these charges because it was their fault. The branch manager told me that they are not responsible and can not do anything about the overdraft charges. I have contacted Corporate and the regional manager and having no luck to resolve this issue.
Product: Checking or savings account

I inquired about XXXX unknown charges made to my account in the subs of {$20.00} {$23.00} {$10.00} They lied to me a total of XXXX times. Stating XXXX XXXX as the final say. 
Fraud department despite last week stopped the transaction due to the routing number as the source. 

On XX/XX/24 the truth revealed itself as I had spent a period of weeks, almost a month, of repeatedly telling them to block XXXX access. 

What did they do? They did not. This company has not had my interest as a concern. 

Just as the time when I was stranded on the side of the road out of gas. Money for gas was taken by the bank after having been informed earlier by a member of their FRAUD DEPARTMENT who intentionally LIED to me about credit not given for a dispute that I had said to NOT claim as information was mixed up. 


She quickly said i didn't when I said I wait until I had money in the account to cancel this dispute. One i was under the assumption not once but twice was not active as a few weeks earlier was also told by their FRAUD DEPARTMENT no open cases. And would have only one from XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - UNEMPLOYED Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 102XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with all three credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a auto loan with XXXX. XXXX states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from XXXX removing the fraudulent XXXX on the vehicle, and have a recording from XXXX stating I never opened a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have hard inquires on my credit report and its not mine i sent they still haven't taken off the XXXX XXXX inquiry thats not mine i would like all the inquiries off my credit report XXXX  and XXXX  i have sent a lot to the XXXX in wisconsin and they are taking off XXXX XXXX XXXX but the inquiry is still on mine please take off all the hard inquiries off my credit report also XXXX XXXX has hard inquires on her credit report that aren't hers XXXX XXXX was fraud and the XXXX took care of that but she has inquiries too that need to come off and XXXX XXXX needs to come off please help us you have done a very good job for us so far please see what you can do to get these off our credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against Experian for lack of investigation regarding my credit report. Inquries US SM BUS ADmin XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account paid and closed, US Dept of ED XXXX account paid and closed, Bankrupty that is on my account, XXXX XXXX accounts stating that I have a debt of over {$50000.00} dollars. 15 USC 1681 602A Section 2 states I have the right to privacy. 15 USC 1681 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. Experian is using an automated system the company has not done a property investigation. E-Oscar is automated. The items that I have listed need to be removed asap.
Product: Money transfer, virtual currency, or money service

XXXX. Money order lost - called Western Union phone call center and was directed to complete a web form XXXX. Web form submitted to western union on XXXX XXXX. XXXX reply dated XXXX stated would hear back in 30 days XXXX. As of XXXX never received response as advised in XXXX automated email - iCare case number is ******* with Western Union XXXX. On XXXX called Western Union customer service line. Phone rep failed to understand issues and was not attentive XXXX. Phone rep stated case was closed on XXXX but no case disposition communication was sent to me XXXX. According to rep case was closed citing inadequate documentation- the grocery store receipt was attached and the supermarket could not provide me with the serial number of the money order. 
XXXX. Western Union FAILED to follow up as promised in the communication dated XXXX by email XXXX. Western Union did not respond and failed to meet its fiduciary duties and responsibilities XXXX. Over 30 days have elapsed with no response from Western Union even though they acknowledge receipt of the lost money order case in writing
Product: Credit card or prepaid card

I contacted Kohls Department Store Card in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.
Product: Student loan

I have provided my bank information to MOHELA 3 times now and they continue to tell me that they can not withdraw payments. Ive signed up for auto-draft and nothing is happening. They are saying that its an issue with my bank but it is not an issue with my bank because my husbands loans are being withdrawn from the same account with no issues. Now MOHELA is threatening to report me to the credit bureau and ruin my credit over an issue on their side.
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 Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried sending two letters, one certified in XXXX to the address listed on my XXXX credit report. Both items were returned to me and the incorrect address is still listed on XXXX. Im unable to properly dispute an alleged collection due to their inaccurate frankly misleading information. Ive attached certified tracking and proof Ive tried to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, experian is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.