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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from XXXX XXXX XXXX. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. XXXX XXXX XXXX reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XX/XX/2021 Equifax mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.
Product: Debt collection

I .C. System states on my XXXX  report that I owe {$330.00}, but when I disputed the pet insurance XXXX XXXX XXXX XXXX XXXX debt collection report through XXXX XXXX, it was immediately removed. I contacted the company directly about removing it since it was removed on XXXX XXXX. I explained with deep concern how much COVID-19 has affected my life, how I do not have the finances to pay it off, and there was no compassion from the woman on the phone. She said she will forward my request and I never heard a follow-up about it. I want this removed on my XXXX  account.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus regarding information reported on my credit report that is wrong. I sent the required details and information but they have not conducted their investigation within 30 days. I checked my credit report today and nothing has been fixed or corrected.
Product: Money transfer, virtual currency, or money service

I was making a deposit to Kraken.com I followed the wire instructions. 
I wired {$14000.00} to XXXX XXXX XXXX XXXXt from XXXX XXXX the fed transmitted it ( XXXX # XXXX ) on XX/XX/19. 
I received {$240.00} credit in my account instead of the {$14000.00}. 
I opened a case with kraken. ( ticket # XXXX with XXXX ) They said they would look into it ... 
days went by. I didn't get any response when I asked for an update. 
I finally wrote about it on XXXX and then I got a response that they would look into it. 
Tuesday XX/XX/XXXX I finally got a call from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX She said the fedwire file was corrupt so I got credited with someone else 's wire and that my wire wasn't credited to anyone. 
She said that XXXX  XXXX would get my money and then credit me ... This was going to happen by Friday the XXXX. 
Friday she called me and said they ( XXXX XXXX ) wanted to get a corrected file from the Fed and make sure it was crediting the right people and that I would get it tuesday. She said she would call me back Tuesday as well. Well no one has contacted me from XXXX, XXXX, or XXXX XXXX since. My {$14000.00} remains missing. 
Other people have told me about cases where their money was missing for weeks and questioned XXXX XXXX XXXX money management. 
I am really worried and don't know what else I should do Thanks
Product: Debt collection

I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the XXXX, contacted credit bureaus, and contacted the company. AD ASTRA RECOVERYXXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
Product: Consumer Loan

Microbilt pulled my credit report on XX/XX/2016 without my permission. They are reporting to XXXX that a credit inquiry occurred which I did not authorize.
Product: Money transfer, virtual currency, or money service

A rent check for {$15000.00} to our landlord originating from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA was mailed to him XXXX XXXX. The landlord never received it ( we had successfully Mailed 35 monthly checks to him up to this time ). This check was dropped off at the post office for mailing. This check was stolen and used to open a fraudulent account at US Bank XXXX XXXX XXXX, XXXX CA XXXX.The criminal used a driver 's license and social security to open the account. It was opened online. Once the check was deposited, the money was withdrawn fraudulently. 
XXXX XXXX, acting branch manager at US bank, acknowledged this was a fraudulent transaction on XXXXClaim reference # XXXX XXXX This Fraudulent transaction has been reported to XXXX at XXXX XXXX Fraud Dept . XXXX, claim # 2020 XXXX. 
This was report XX/XX/2020 to XXXX Police Dept, and to XXXX County DA office XX/XX/2020 We have met with resistance getting reimbursed from either Bank. 
Your Help would be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX Acct # XXXX Reinvestigation request As of XX/XX/XXXX to present, XXXX has reported inaccurate account information including the following ; 1. the date of first delinquency as XX/XX/XXXX, ( the actual date is XX/XX/XXXX ), 2. failed to report the date the account open, the date the account closed, 3. the amount of the debt of {$950.00}, is inaccurate, the alleged amount owed involves 3 accounts-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$380.00} and XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00}, 4. ( the payment history 5. and the purge date of XX/XX/XXXX is inaccurate, it should be XX/XX/XXXX XXXX reports the alleged debt owed is {$950.00}, this is false. XXXX combined the total dollar amount of 3 medical accounts, {$180.00}, {$380.00} and {$380.00} into a total amount of {$950.00} in order to report the one account due to the one account totaling more than {$500.00}. 
Please delete this account information. I'm requesting a phone call to conference a call with the third-party billing company to confirm the information herein. 
During a recorded call on or about XX/XX/XXXX, XXXX, an employee of XXXX XXXX, assigned to the XXXX XXXX, who specifically handles billing for XXXX XXXX XXXX XXXX XXXX XXXX, informed Plaintiff that XXXX XXXX billed Plaintiff for the reading of three separate accounts involving XXXX XXXX  performed by XXXX XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} and XXXX. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00}.
Product: Credit reporting or other personal consumer reports

I found out that my relative used my information to open up an account without my knowledge. I called and did everything that i was asked to do and the account still remains.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i had a fraudulent charge on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.
Product: Checking or savings account

From  XXXX  We have a working relationship now. However, I was asked to file this report.    Wells Fargo  kept charging me {$30.00} a month for each business account when it was supposed to be free. The accounts were opened in  XXXX   XXXX , NV where I had my  XXXX    XXXX   XXXX   XXXX  . I live in California. No matter where I called to straighten it out and get credited, it did not fix. First of all they claim they can only credit back 3 months. I first noticed it after {$800.00} was dwindled down to nothing.     I dro ve t  XXXX  hours round trip to  XXXX  to get this problem fixed, same result. When I asked for help in  XXXX , California on  XXXX   XXXX , they said we have to close the account and make a new account to fix the problem. Of course each checking account comes with a separate savings account. So they changed it to {$20.00} a month fee but told me it was free. Later in  XXXX   XXXX  I asked for help. I went to the   XXXX   XXXX   XXXX  and  XXXX  locations. The same thing happened reopen another account and another and another. I dont even know how many times this went on. For sure more tha n 4 ac count changes for  my two business checking and two required  business saving accounts in just the city of  XXXX   XXXX . Now I have a free account only I have {$150.00} Tranfer into savings and the next day transferred back {$150.00} to checking and I have to have bill pay active or they will have a fee. Another option is to have a huge daily average in the account at all times. I am not doing that. Last week I asked a couple questions and they gave me wrong information.
Product: Mortgage

The husband had a mortgage with Seterus, and was in a trial modification when he passed away. His surviving spouse who is on the deed, but not the note applied for an assumption modification. She has submitted all necessary documents when Seterus advised that she needed Probate documents showing she was the rightful heir and in charge of the estate. There are no assets to the husband 's estate except the home - which the wife already owns. We have tried to advise Seterus of this, but they say they will not move forward with the assumption modification until Probate documents are received. Probate is an expensive process, and completely unnecessary in this instance.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX, and XX/XX/XXXX, several unauthorized transactions were processed through my PayPal account, totaling {$670.00}. All of these transactions were made to XXXX, a service I have not used since XXXX. To support this, I provided PayPal with a screenshot of my XXXX account showing no activity since that time. 

Despite my prompt report of these unauthorized transactions to PayPal, my claims were denied within less than XXXX minutes, and these decisions were made outside of XXXX typical operating hours ( XXXX XXXX ). This rapid dismissal of my claims raises serious concerns about the thoroughness and legitimacy of PayPal 's investigation process. 

Here are the steps I have taken so far : -Reported the unauthorized transactions to PayPal and provided supporting evidence ( screenshot of XXXX account activity ). 
-Requested a thorough investigation and re-evaluation of my claims from PayPal XXXX 
-Received a response from PayPal stating that I had signed up for a billing agreement and that there was no unauthorized access to my account. PayPal canceled the billing agreement but did not refund the unauthorized charges. 

Despite my efforts to resolve this issue directly with PayPal, they have refused to conduct a proper investigation or provide a refund for the unauthorized transactions. 

Dates, amounts, and actions taken : Date Range of Unauthorized Transactions : XX/XX/XXXX - XX/XX/XXXX Total Amount : {$670.00} Merchant : XXXX Date of Initial Report to PayPal : XXXX XXXX  XX/XX/XXXX, XXXX Date of PayPals Response : XXXX XXXXXX/XX/XXXX, XXXX Actions taken by PayPal : -Denied my claims in less than 20 minutes. ( leading me to believe the response was automated ) -Canceled the billing agreement but did not refund the unauthorized charges. 

Thank you for your attention to this matter. 

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

There are credit inquiries on my Transunion credit report I have disputed these with no results I have not authorized these inquiries they need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + Credit Corp Solutions, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on XXXX Please look into this new complaint as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. It has not been verified
Product: Credit reporting or other personal consumer reports

I have disputed the tradeline from XXXX XXXX XXXX. I WILL NOT PAY THIS. This is not owed and is also being submitted to TransUnion under incorrect name and balance. Yet, TransUnion continues to support the inaccuracies. I have asked them to validate and cease and desist. Please see attached reply from XXXX XXXX XXXX. In addition, XX/XX/2023, they promised to cease and desist. However, today, XX/XX/2023, they have contacted me sending another correspondence.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, This dispute has to do with a past dispute with GM Financial. After receiving the information from GM Financial regarding an alledged debt of {$6100.00}, I reached out to GM Financial directly to discuss a settlement and then they notified me that my account was taken over by XXXX XXXX which I received any notice of this. Even the letter that was received through the XXXX  with my last dispute with GM Financial did not state anything about selling the debt to a debt collector. 

Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that GM Financial is the one reporting on my credit, not XXXX XXXX. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid XXXX XXXX and GM Financial would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}. 

Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted GM Financial XXXX my credit profiles so XXXX should do the same. 

I believe that XXXX XXXX, GM Financial, and XXXX are violating a few different laws here. I just want the resolution of this GM Financial account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible. 

Thank you! 

Best, XXXX XXXX Account Name : GM Financial Account Number : XXXX Amount : {$6100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> DISPUTED ADDRESS THAT I HAVE NOT RESIDED AT AND MUST BE REMOVED FROM MY CREDIT REPORT. THE ADDRESS MUST BE REMOVED FOLLOWING : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, Equifax has violated my rights by reporting false inaccurate information on my consumer credit report. Under 15 USC Code 1681 ( a ) - Congressional finding and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX  XXXX Account XXXX has been closed and is reporting inaccurate dates and an updated balance every month as of XX/XX/2022. OTHER CREDIT REPORTING AGENCIES HAVE REMOVED/DELETED THIS FALSE COLLECTION ACCOUNT. I have been injured numerous times from Equifax negligent and willful behavior. These injures include my reputation has been ruined, loss of income, XXXX and mental anguish. Please remove this account immediately. 15 USC 1681 ( a ) ( 4 ). States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692b ( 2 ) can not state that such consumer owes any debt 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements, by federal law you are required to remove the accounts from my consumer report without prejudice.