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

In XX/XX/2020, I was denied an annual credit report from Equifax. At that time, I called their customer service and could not get an explanation for the denial. I called a different customer service number on XX/XX/2020 and was told I did not verify all of the 4 security questions correctly. 3 of the security questions were straight forward and simple. The problem is that one of their security questions was : " What is the numeric portion of your XXXX XXXX address? '' - Being stationed overseas, I do not have a XXXX XXXX address starting with a number. Neither do hundreds of other military personnel and their family members. My address begins with 'PSC XXXX ' so I entered XXXX. This failed to validate. I am submitting this complaint not just for myself, but for others for whom it is impossible to validate this security question.
Product: Money transfer, virtual currency, or money service

Bill.com send me an email that my fund will be available XX/XX/XXXX but as of now XX/XX/XXXX I still got no fund from them and no reply after I left messages with them at XXXX and ( XXXX ) XXXX. I think they are based in XXXX outside the US which I don't feel comfortable sharing my personal info with foreigner outside the US. They say that they are in the US but they route all contact to XXXX because I can hear chicken noise background. I think they are lying about their operation is based in the US and keeping personal info in the US. Their virtual assistant doesn't understand questions which is useless. Getting help is impossible with this company and should got red flag for that not following the US banking regulation.
Product: Money transfer, virtual currency, or money service

I purchased five money orders from XXXX in XXXX XXXX, 2017 totally {$2200.00}. They were made out to XXXX at XXXX. I put them in the apartment dropbox/night drop on XXXX XXXX, 2017 around XXXX. I am a XXXX XXXX and worked a three day trip. Upon returning on the XX/XX/XXXX I noticed I still owed the apartment. The complex claimed they never received them. I gave them copies of the money order stubs/receipts. After a couple of weeks they told of me I needed to contact XXXX and report them lost/stolen. I contacted XXXX and they said they had already been cashed on the XX/XX/XXXX. I was unable to file a lost/stolen report as they were already cashed. They said I could get a copy of the deposited money orders for {$24.00} each. I had five money orders and got all the copies. The copies DO NOT have any financial institutions information on them. I had to call XXXX back. They sent me Source of Receipt. XXXX XXXX says it is not their issue to get me the money back and ca n't help me. They told me the institution who cashed the fraudulent tampered money orders are responsible. Bank of America is listed as bank of first deposit. I called their Customer Service phone number who in turn sent me to another dept. who in turn said I had to go to a branch and fill out paperwork. I want to a branch and they said they can not help me. They said XXXX XXXX is responsible. The money orders were clearly altered and Bank of America allowed them to be cashed anyhow.
Product: Payday loan, title loan, or personal loan

this company is in so many violation of my consumer rights is ridiculous starting with 16 USC C ( 1 ) ( 2 ) ( 3 ) ( refuse to pay debt ) a cease in desist order dated XX/XX/XXXX sent certified mail. This company is also in violation of 15 USC 1692D harassments, threating to harm my reputation, WHICH THEY HAVE by MARKING MY OPEN END CREDIT ACCOUNT IN DELINQUITE AND DROP MY CREDIT SCORE XXXX POINTS, violation 15 USC 1681A ( 2 ) ( B ) any transaction approved by my credit card ( social security number ) should not be on my report so who gave you written consist to furnish my information 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ) institutions can not share information to third parties without my consist 15 USC 1681B. Which was never disclosed to me, I deem this information private VIOLATION 15 USC 1692F -unfair credit practices. I have sent out debt validation XX/XX/XXXX which has not been responded to as well the as deceptive forms made to look like I owe a debt which is also a violation 15 USC 1692j ,15 usc 1666 ( b ) billing error showing no such things as bills just statements of credit transaction .This company is bulling me and stressing me out because of these allegations and there harassing 's tactics and it must stop. 15USC 1692K {$1000.00} PER VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRASs. On XX/XX/2020, I mailed XXXX, TransUnion 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 XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There is fraudulent /error accounts, address and names on my credit report
Product: Credit card

I have a Dillard 's Mastercard Credit card that I have been paying on time as of XX/XX/2024 the balance was {$2000.00} and the interest was XXXX. In the month of XX/XX/2024 they sent me the statement with a balance of {$2000.00} and the new interest was XXXX. I called on XX/XX/XXXX to find out the reasons why they had raised the interest double and they did not give me any valid reason. I told them that I have paid on time and that from XXXX to XXXX they changed the interest to double without any notice. On XX/XX/XXXX and XXXX I called to solve this issue with representatives and Supervisors and they never gave a solution. Reason why I closed the account. I will pay the debt but the interest will be fair. They are abusing consumers a lot. I hope you can help me with this problem. That they give me fair interest not this treatment they are giving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account " XXXX XXXX XXXX '' showed up on my Transunion credit report. This debt is not mine and I know it to be " debt parking ''. I have submitted a dispute with Transunion to remove the fraudulent account from my report.
Product: Debt collection

I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

The debt they are trying to collect was dropped from my credit report and I did not receive a letter within five days of reinsertion. Due to this this company has been harassing me and filed a lawsuit against a debt that is not mine. It was dropped by collection agency on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

IT SEEMS I'M A VICTIM OF IDENTITY THEFT AND I HAVE A COUPLE OF ACCOUNTS AND INQUIRIES THAT NEEDS TO BE REMOVED IMMEDIATELY
Product: Mortgage

XXXX continued. 

Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing.

WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... 

I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. 
I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank.

WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement.

Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. 

The WF game continues. 
XXXX XXXX is a pathological liar and is following the WF line and should be in a different position or business. 
Please provide a more truth telling POC
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a current balance of {$900.00} as well as XXXX XXXX XXXX days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}
Product: Debt collection

Someone opened a an account with XXXX XXXX. ( ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX XXXX Texas XXXX ) Due to non-payment, the account was sent to collections with ProCollect Inc. ( ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX ) I spoke to XXXX XXXX XXXX who was very rude and unprofessional. I explained my situation to her, she even stated that the account was opened under a different name than mine. I asked the steps to fix this issue and a written letter of verification. All she kept repeating was that I needed to send an email to the company with a copy of my police report as well as my state issued ID. At this point I repeated that I would like written verification, and she continued to talk over me, raising her voice, stating I had until XX/XX/2024 to send the email, or the debt would remain on my credit report. After some back and forth XXXX XXXX hung up on me.
Product: Credit card or prepaid card

On XXXX XXXX i used an XXXX atm to take out {$360.00} out of my BofA/XXXX  card. The atm malfunctioned and didnt dispense my money but still charged my card. I submitted a claim with BofA and theyve been giving me the run around ever since. Iv tried everythimg imcludimg ombudsman and OCC to get my momey back with no luvkCK. BofA ARE THIEVES!!!! ... .THEYRE KEEPING {$360.00}. THAT ISNT THIERXXXX. PLEASE HELP!
Product: Credit card or prepaid card

Someone fraudulently opened up a Macys credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax  Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax  has on file ; and on XX/XX/2021 I sent Equifax  a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX  days and still no conclusion to their investigation. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Equifax  is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the XXXX, unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Product: Debt collection

I received a credit alert that stated my credit debt had increased by {$1000.00}. Upon checking my credit I realized an old debt from Republic finance had now increased from {$3100.00} to {$4.00}. they also reported on my credit that I made a payment on XX/XX/XXXX that is not true my last payment was in XX/XX/XXXX before my accident. I am starting to rebuild my credit and this hurts my chances I would like for it to be corrected.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I purchased {$6000.00} in XXXX through XXXX and it was deposited same day into a Kraken account. There is an automatic 7 day hold on new account transactions. After 7 days, I attempted to withdraw from my account and was denied. No error messages, no explanation. I tried to withdraw in dollars to return to my bank, denied. I contacted Kraken support and have been repeatedly stone walled at every request for what the problem is. Kraken support has been zero support. Kraken has kicked me over to what they call email support. Email support has not responded to any of my emails about what is going on with my account. I got a couple of emails the first day and at the bottom it says my inquiry is pending which means they are waiting on me to provide something but it doesn't say what I am supposed to provide. So, I have sent several emails to Kraken support asking what is it they need. Nothing, no response. So, I go back to the regular support/Live chat and they basically say its Kraken 's Email Support job and they can't do anything. I have the transcripts of one live chat. I asked for the transcripts of my second live chat and they said I would get a copy, which, of course I haven't received. I was told that making inquiries would only delay action on my account and to not keep inquiring about the problem. What?? They said give them some time to work on it. I asked how much time should I give them before inquiring and they said they can't give me a time frame for response. In the meantime the value of my XXXX has increased but I can't do anything with it, and Kraken essentially refuses to release information even the simplest nature of what they are doing or what the problem is. One live chatter did say had been kicked up to Senior Management> What? Senior management needs to get involved in a new, small {$6000.00} account, I can't believe that is possibly true. Their organization would grind to a halt if Senior personnel had to get involved in such a minor case
Product: Checking or savings account

Wells Fargo returned a check for {$370.00} claiming I only had {$370.00} in my account. My savings had over {$600.00} in it at the time and not one time during me logging in that day did my account go negative. Wells Fargo also never sent a balance alert like they were supposed to if my account supposedly did not have the money. On XX/XX/XXXX I actually watched that money leave my account at around XXXX - XXXX XXXX, after it left my account, I had a balance of {$22.00}. I dont see how Wells Fargo can return a check after they took it out my account and at the time they took it out, I still had a positive balance. Common sense would tell the bank I wouldve transferred {$5.00} to avoid the {$35.00} NSF and the {$120.00} fee I now have to pay to the company for a return check.
Product: Checking or savings account

When signing up for a savings account, I was a promise, a certain percentage rate that I did not receive after completing my account application. The percentage was lower. False advertisement.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

hello on XX/XX/23 I placed a dispute with Transunion agency and they did not complete or process my rquest. I signed in online and they have yet to process my request. I know that they have 30 days to process my request and they have yet to complete anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.
Product: Debt collection

Wakefield and associates refused to give me any information on the debt they were trying to collect. I was previously garnished on a debt 4 weeks ago and wages were garnished. I was sued in 2018 without any summons to court or served. They got a default judgement since I didnt show up ( never knew I was was being sued ). I feel I am being targeted by this company since they were able to get a false judgement. One debt he disclosed was 7 yrs old. Statut for this medical is 6 years. In tn he said it was ongoing not statutes. Again refused to send what they are trying to collect