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

All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  y hired  Williams and Fudge  to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to  Williams  and Fudge o n  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with  XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since  XXXX   XXXX  , 2017. P lease see attached document
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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/year>
Product: Credit reporting or other personal consumer reports

Victim of Id theft and my personal information was stolen. Someone used my information to obtain loans and other items.
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to the following accounts that should not be on my credit report but were furnished by the credit consulting bureaus. These entries have significantly impacted my credit scores, and I am now escalating this matter to request the immediate removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

I have constantly disputed these inaccurate accounts and have asked for verification. The only thing that keeps coming back is saying accounts are verified with no proof or documentation showing otherwise. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

On Thursday, XX/XX/2020, I received a phone call from a collections agency called Wakefield and Associates advising that a medical bill totaling {$270.00} had been sent to collections on my behalf. This was the first instance I had heard of any debt or anything related to medical bills. They did not have the correct address on file and the one they stated was two years old. I asked who the company was and they advised " XXXX XXXX XXXX '' from XXXX XXXX, TN. I had not had any services performed with them nor did i ever receive any bills from them. I attempted to call their phone number ( XXXX ) and it is an automated message regarding old and new medical bills. No one has returned my calls after left messages. More importantly, I never received a letter or any other information before hand regarding a bill or collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

I was trying to request an increase on my macys card which the limit was {$7500.00} upon request it asked me online how much I would like more I put {$3000.00} and then it said it was approved and it didnt increase it it lowered my overall Total limit I didnt ask for a decrease it went to {$3000.00} from {$7500.00} when it was supposed to be additional {$3000.00} I was requesting from the {$7500.00} this has to be fixed it said it was approved but it lowered my card limit instead
Product: Debt collection

On XX/XX/XXXX Regional Finance located at XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX attempted to contact me at work again, I have told them before that they can't contact me at work. This is not the first time they have called.
Product: Money transfer, virtual currency, or money service

*THIS IS A FOLLOW UP TO MY PREVIOUS CLAIM TO BE SENT TO VENMO* This is kind of a two part problem with BOTH Venmo and XXXX. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through XXXX. I sent it and the person claimed they never got it. So we attempted Venmo, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX  XXXX XXXX ) on  Venmo and another {$110.00} ( XXXX Mobile Banking ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. Venmo and XXXX wont help me. My banks wont help. My XXXX XXXX XXXX XXXX department recommended me to go through this route. Is there anything you guys can do for me?
Product: Mortgage

I am working with an extension of loan modification with Wells Fargo on a XXXX mortgage due to being unemployed since XXXX. I have had problems with the loan preservation specialist not returning calls, not checking her email for executed documents and stating I have never complied, to which both of these were escalated to the manager. Now all correspondence is submitted to both the specialist and the manager as cc. 
The latest is a problem I have with Wells Fargo and the XXXX. I have attached their instructions and the form that I sent back. The instructions would lead a person that is less then prudent to believe this is a blank form, and they address line XXXX as " This does not apply. No action is required. '' But in fact they have altered line XXXX to an address and phone number that is not the tax payers. I believe this should be disclosed to the borrower in the wtitten instructions. Also, they in advance checked box XXXX. but I have unchecked it and have checked what I feel is appropriate and the year as well. My hunch is that they will still request my records and ignore my request, but I feel they should be directed to better inform the borrower of the alterations and the intent of this form ( XXXX )
Product: Money transfers

Western Union ( WU ) accepts money for transfer then refuses to complete transaction. Discrimination issue : WU refuses to process transactions to XXXX ( XXXX ) for typhoon relief.
Product: Debt collection

i had a bill in the amount of {$500.00}. to XXXX in XXXX XXXX went to collections with XXXX XXXX XX/XX/XXXX for XXXX.then to XXXX for {$1800.00} XXXX XXXX XXXX then to XXXX. for {$1800.00} XXXX XXXX XXXX then to afni. for {$2000.00} on XXXX XXXX last reported XXXX XXXX XXXX by afni for {$2000.00}.
Product: Debt collection

no knowledge of this debt, contacted them unable to obtain any information plus I believe this is medical debt under {$500.00} which is not allowed to be reported to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts XXXX # XXXX, XXXX # XXXX, WFDS # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 my personal credit reports were accessed without my consent and while my credit reports were in frozen status. Someone was able to apply for credit under my name and SSN. I didn't give verbal or written consent. I called each financial institution and advised them that I XXXX XXXX didn't give permission to run my credit. According to my credit report, it is only showing inquiries currently.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit reports from TransUnion, XXXX, and XXXX and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.
Product: Credit reporting or other personal consumer reports

I have received your recent correspondence from the Complaint regarding the reinvestigation of the accounts mentioned in my previous communication. However, I remain unconvinced by the information provided, as it differs significantly from the data presented by other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that XXXX, TransUnion, and XXXX XXXX the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. A collection account opened at EXTRA on XX/XX/XXXX for a balance of {$310.00} under XXXX : XXXX account, past due amount : {$310.00}. Two collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}, and another for a balance of {$750.00} under Status : Collection account, past due amount : {$750.00}. A collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. I demand that you investigate these matters immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  I am submitting this complaint regarding the inaccurate reporting of a charge-off by XXXX XXXX XXXX XXXX The account in question ( Account No. XXXX ), under my name, XXXX XXXX XXXX has been paid in full, as verified by a letter from XXXX XXXX XXXX dated XX/XX/year>. Despite this, the account has been wrongfully marked as a charge-off on my credit report. 

This charge-off was incorrectly applied, and the account 's current derogatory status is not a true reflection of my financial responsibility. This inaccurate reporting is unfairly damaging my credit standing, even though the account has been fully resolved. 

I am requesting the CFPBs assistance in having this account removed from my credit report, as it should not have been charged off in the first place and is now fully paid. Please take the necessary steps to address this inaccurate reporting and ensure that my credit report reflects the correct status. 

Thank you for your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX/XXXX XXXX : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Product: Credit reporting or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.
Product: Mortgage

We requested a payoff reduction for the reason that the payoff that was provided included " purchase money '' that was lost in the short sale. The payoff that was provided included {$480000.00} which was the downpayment for purchase of the home. Under California law the " purchase money '' lost in the short sale can not be collected from the borrower ( myself ). 
Please see the attached documents which include my request for loan reduction ( based on the short sale ). Also see the attached response from the Select Portfolio Servicing regarding my request. Which does not comply with California 's short sale and anti-deficiency statutes. California short sale law pertains to all " purchase money '' even if there are XXXX separate Deed of Trust. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, relying on XXXX XXXX section 1642, held that two separate XXXX XXXX  on separate properties are purchase money trusts. 
This was, under California law, a XXXX transaction. See XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, which states that several contracts relating to the same matters between the same parties and made as part of XXXX transaction are to be taken together. 

Select Portfolio response dated XX/XX/XXXX, states " When you refinanced the XXXX home you agreed to pay this debt when you signed the enclosed Adjustable Rate Note and XXXX XXXX XXXX By taking money from this refinance to purchase another home does not extinguish that debt and therefore we find no merit to your claim. '' See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. 

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I received an email from Netspend XXXX by XXXX. The subject header on the email was Your account materials were returned. After reading the email I instantly became alarmed that my identity may have been stolen and someone was attempting to open an account in my name. I immediately forwarded the email to XXXX and Netspend XXXX customer service to inform them that I have never tried opening an account with either of these companies. I requested that the companies validate the legitimacy of the communication because it was either fraudulent activity or a phishing attempt. 

Netspend took 10 days to reply and brushed my concerns off by saying it was just an attempt at offering me an account. Then, had the audacity to ask me to chat about opening an account with their company with shady business practices. 

The original email was misleading and provided a false sense of purpose for contacting the two companies. If I had done what they requested in the email an account may have been opened in my name and because it is a prepaid card somehow the company would have likely tried to get money out of me on false assumptions. 

I request that CFPB investigate the marketing and advertising practices of this company to protect financial consumers across the country from this companies poor business practices.