23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This incident has happened on XX/XX/XXXX. When I checked my XXXX account around XXXX XXXX, I see a bunch of emails from Western Union. Somebody was able to login to my account and change the profile and was able to transfer {$2300.00} dollars. This all happened between XXXX XXXX and XXXX XXXX  US CDT The hacker tried to do two transaction of {$2300.00} and one of them go through and other transaction went into review status. 

As soon as I discovered this around XX/XX/XXXX around XXXX XXXX, I called the Western Union and reported the fraudulent transactions. I also called my XXXX XXXX and gave a heads up on this fraudulent charge. After my office work time, I went to local police station and filed a police complaint. My police case number is XXXX and Western Union fraud case number is XXXX. 

There are many things that does not make sense. Western Union has been difficult to work with on this fraud. Each time I call to find the status, they give a standard reply of " we are working with local enforcement office on this case ''. The representative are difficult to  understand. The only thing that they were able to tell is that the location where money was picked up which is in XXXX XXXX which is a state in XXXX part of XXXX. The receiver that was used for this fraudulent transaction lives in XXXX XXXX which is central state of XXXX. How could someone be able to login from new device and new location without secondary authentication like XXXX. I have used Western Union in the past, but my transaction amount was newer above {$150.00}. How someone was able to make a 15 times higher transaction without some review or time lapse to occur? 
My bank XXXX XXXX was able to pull back the transaction from Western Union. Now, Western Union collections department has sent me an email asking to provide my credit card account information or bank routing number and checking account number asking to provide to pay for the fraudulent charges.

I have spent considerable time and energy on phone calls to Western Union, police station and XXXX XXXX and physically visiting the police stations twice. It is painful to be a victim of fraudulent transaction and also being asked for the money stolen from your account. 

I dont want anyone else to be in the same situation which I am going through. My research on internet has found that Western Union lax system has been target of hackers and numerous people have been victim of fraud on their platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I received a letter stating I owe for a XXXX account I DO NOT have and I called and went into the store for XXXX and was told the account provided on the letter was NOT a XXXX account number. This is fraud and I had issue before someone tried to get a pay day loan in my name and I put a credit freeze on my report and filed a police report. I also received a letter someone tried to file unemployment in my name. This is ridiculous and not ok. I am filing a fraudulent report with the XXXX, YOu and the Federal trade commission. I work hard to keep my credit in good standing and this is WRONG. 
Someone need to do something about this company fraudulent claims. I also spoke to XXXX fraudulent department regarding this matter AFNI, Inc
Product: Credit reporting or other personal consumer reports

Early Warning Services has refused to provide me with a webpage that allows a consumer to request a security freeze, in violation of the Fair Credit Reporting Act 605A that says : " A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; '' Fair Credit Reporting Act 605A also says, You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' Early Warning Systems claims they are exempt from the freezing requirement by sending me a letter that says, " The Fair Credit Reporting Act exempts consumer reporting agencies identified by Section 603 ( x ) from the requirement of accepting or referring freeze information to other consumer reporting agencies such as XXXX, XXXX, or XXXX. '' It is true that Early Warning is a specialty consumer reporting agency as defined in the section, but THERE IS ABSOLUTELY NOTHING in the Fair Credit Reporting Act that exempts consumer reporting agencies identified by Section 603 ( x ) from the security freezing requirements of 605A of the Fair Credit Reporting Act. Therefore, Early Warning Services is in continuous violation of section 605A of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit via XXXX. I noticed there were one hard pull each this week on XXXX and transunion from XXXX XXXX dated XXXX XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM XXXX  CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

From about XXXX to XXXX Discover bank tranfered money from my other charge cards adn from their charge card to a fake discover card that they or someone ueing their sites> I called them evry month NO help I stop paying these illegal tranferes in XXXX. The amout that they took from me is over {$30000.00}!!!! 
I recieved a Tax form XXXX on XX/XX/XXXX stating that theycancelled a dept of {$6200.00}! That was money on the {$10000.00} that the took from my charge card that I had with them minus the money I payed them brfore I stop payment due to them illgelly taking money from my other charge cards and MY BANK!!!! 
They did take me to courtin XXXX. And they droped the case when I proved that the took money illegally from me!!!
Product: Credit reporting

I contacted Experian to remove the " dispute '' wording on XXXX of my student loans. I believed that the listing of historical delinquency was wrong because these loans were supposed to be deferred. XXXX explained that the delinquency was for times that they were not in deferment. THE DISPUTE PROCESS IS COMPLETE. XXXX and XXXX properly removed the narrative. Experian would not claiming that it had to remain on the account for six months. I was under the impression that the federal law covered all XXXX bureaus. Since there is a section that deals with what may be contained in the file and for how long, how is it the Experian gets to have one set of rules and the other XXXX bureaus another set? 

This impacts my credit score for six months even though I am no longer disputing these items. The Fair Credit Reporting Act provides that the actual present status of my credit be displayed. Refusing to remove these dispute narratives puts my entire report in an improper status with regard to score. This should be a very good class action lawsuit. 
The loans are listed as XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

asked credit bureau to investigate these accounts they stated that they did and accounts came back verifiable. I also did an investigation and found inaccurate information. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the 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: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CHECK MY CREDIT REPORT ANDFOUND THAT THE FOLLOWING INQUIRRIES ARE UNAUTHORIZED : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Transunion 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 credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

On XX/XX/XXXX  and on XX/XX/, I called Lake Michigan Credit Union to inquire about why they were charging me for overdraft fees when I left enough money in my account to make my payments. And I also told them per 12 C.F.R. that a customer can opt out of overdraft fees. I did opt out on XX/XX/. LMCU still charged me {$30.00} on XX/XX/XXXX  and {$30.00} again on XX/XX/XXXX  after I opted out of overdraft. In addition, my payment to XXXX was already processed and validated as gone through on XX/XX/XXXX   in the amount of {$35.00}. Therefore, I had to pay that {$35.00} once again because LMCU sent the overdraft on XX/XX/XXXX  as my payment not going through. I can verify I made this payment a second time through my XXXX XXXX  account. Charging for overdraft fees when a customer has opted out is illegal and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I received a letter from California Business Bureau , Inc. asking me to pay a debt from a hospital visit on XX/XX/XXXX for {$1300.00} plus {$290.00} of interest. 

XX/XX/XXXX I sent a fax to the California Business Bureau , Inc. with a statement from XXXX XXXX XXXX XXXX XXXX showing a balance due of {$660.00} I also faxed a letter to dispute the debt amount. 

XX/XX/XXXX I called California Business Bureau , Inc. to confirm they received my fax, the person with whom I spoke confirmed it and also explained that one of my health insurance provider, XXXX, paid for my visit to the hospital but they later claimed their money back. She also advised me to call XXXX. I contacted XXXX to confirm this information and the representative informed me that XXXX never paid any amount of that bill because of my deductible hence they never claimed any money back. 

XX/XX/XXXX I called XXXX XXXX XXXX XXXX to verify the amount of my debt and the representative said the hospital sent a balance due of {$660.00} XX/XX/XXXX I called California Business Bureau , Inc. to request an explanation of the amount they are collecting and the manager of my account did not even let me talk she started talking about my insurance provider and that I should contact them, and when I tried to tell her that I talked to them, she never let me. I also told her that I did not understand why she was talking to me that way if I was being polite to her and I only was trying to get responses about the amount they are charging. This agent offered to transfer the call to her supervisor but I was transferred to a voice mail machine instead, I left a message with my name and phone number but I have not been contacted.
Product: Payday loan, title loan, or personal loan

I renewed a payday loan with a company in Colorado called Speedy Cash. The payday loan agreement clearly stated the terms of the loan were to be a total of 4 monthly payments in the amount of XXXX, starting on the XX/XX/XXXXand ending XX/XX/XXXX.  In XXXX they debited XXXX 3 times and XXXX 1 time for a total of {$470.00}. The only transaction that should have happened was XXXX ONE TIME until XXXX. This seems illegal and predatory. They clearly violated the terms of the loan. Now I'm having to work with the bank and the company to clarify the errors.
Product: Credit reporting

I filed bankruptcy in XXXX XXXX. My credit report states and have stated it would come off XXXX XXXX. I have disputed this action with equivalent and they states that it can stay on my report for up to ten years. I ask what factors that in or what or who decides that it has to stay on my report " UP '' to ten years. It has been to my knowledge and when I filed by my lawyer at the time it could be from XXXX 10 years. As I stated my report says 7 years by the date, it does n't state ten years. I can not get no straight answer from Equifax on why and who decides that it must stay on my report up to ten years. They say the are going by the fair credit reporting act but when I call to ask the same question to frca, the agent as well could not answer why or who determines that it stays on credit report for up to ten years. I requesting it to be removed because by the suggestion of my lawyer saying I did n't need to go through with it, since my situation worked out. So I just been waiting out my years for it to fall off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting XXXX XXXX accurate. 
Unauthorized/Erroneous Account RESULT OF XXXX XXXX XXXX XXXX Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I am eligible for the recently developed REPAYE payment option for my student loan. I called my loan servicer and completed the application that they provided a few days after the new payment option began ( XXXX XXXX, 2015. ) It is now over 90 days later and I have not received a revised payment nor any other correspondence regarding my application. I would like my payment amount recalculated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only company that shows 2 accounts not listed on XXXX  or XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report immediately.
Product: Mortgage

Spoke to XXXX # XXXX stated the application request for forbearance was being reviewed for a modification. I advised her I wanted a covid-19 forbearance and I emailed the required application. Submitted request for covid-19 forbearance to customer service and 2 times to loss mitigation dept XX/XX/2023 and XX/XX/2023. Spoke with customer service and they still had not process my request. I have been affected by covid-19 and my income has been reduced because of the pandemic and my employer cutting my work hours.
Product: Credit reporting or other personal consumer reports

One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX I had a XXXX for Discover in 2022. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. Can you please forward the following documents to Bloomingdale. Thank you!