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

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX XXXX {$3600.00} XXXX XXXX {$810.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$810.00}
Product: Payday loan, title loan, or personal loan

Yesterday, XX/XX/XXXX, I received a text notice from Wells Fargo that my checking account balance had gone to XXXX  after an unexpected auto-payment from a credit card had posted. 

I went to Wells Fargo 's banking portal to see what had happened to the account, and say that {$160.00} had been auto-transferred from my savings to my checking account, bring the account balance to XXXX AFTER the incoming payment had been paid. 

I manually transferred an ADDITIONAL {$100.00} from checking to savings to bring the account balance up to {$100.00} ( which the account portal reflected, after completion ).

This morning ( XX/XX/XXXX ), I received another XXXX balance message from the bank. I went back to the portal and found that the bank had REDUCED the amount of the overdraft transfer from the previous day by the amount of the manual transfer that I had made, leaving the nominal balance at the end of the day at {$0.00}, despite my actions. 

Then, when an ( expected ) check for {$45.00} came through, they triggered overdraft protection AGAIN ( including an overdraft fee ). 


I spoke to their customer service about this issue, but they refused to waive the overdraft fees from the second day. 

This is predatory behavior, even if the amounts involved are not large. This is functionally equivalent to the charge reordering that banks used to do in the pre-CFPB days : Wells Fargo 's policies and procedures are designed to generate additional overdraft fees. It also means that the transactional activity displayed on their web portal is fictional -- the automatic account transfer shown to have taken place was altered by the bank between the time it was displayed on their banking portal and transactions were applied that evening.
Product: Credit reporting or other personal consumer reports

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX XXXX since I filed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of Rights under the FCRA Dear XXXX, I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), the agencies have included transactions between myself and the persons making the report, which is prohibited by law. 

The following accounts have been inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inclusion of alleged transactions without proper investigation is a violation of my rights under the FCRA. I request a thorough investigation by the Consumer Financial Protection Bureau and appropriate action against TransUnion and XXXX. Additionally, I request the removal of the aforementioned accounts from my consumer report. 

Enclosed are relevant documents supporting my claim. Please contact me if you require further information or documentation. 

Thank you for your attention to this matter. 

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

We believe someone is trying to use our daughter 's social security number. She is XXXX XXXX XXXX. 
On Monday, XX/XX/2018, we tried to open a savings account for our daughter at Oregon XXXX XXXX XXXX. They used her social security number to look up credit history and found that someone attempted to open an account using her social security number at another bank. They would not give us any detailed information about the bank or the individual. 
When I called the credit reporting agencies, they directed me to a website where I could request her credit report, but because she is under 18, I could not request the report online. I also could not place any fraud alert on her account, because she is under 18. 
I am not sure what further steps to take to protect her identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 submitted complaint because XXXX XXXX provided the 3 credit bureaus with information regarding a bankruptcy it pulled from PACER, a system of record used by the federal government. I did not give XXXX XXXX any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from XXXX XXXX to clear my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and found an account ( WAKEFIELD & ASSOCIATES ) that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( XXXX ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Mortgage

In response to the letter from Selene Finance dated XX/XX/XXXX and CFPB previous case # XXXX I am uploading new paperwork and correcting a few inconsistent statements made by Selene Finance : On XX/XX/XXXX I had written the letter ( hereon attached ) regarding wrong escrow calculations made on XX/XX/XXXX, and I had enclosed proof and correct escrow calculations. I had talked to Selene Finance at the beginning of XX/XX/XXXX and was told that the response to my letter I should expect within 5 business days. As of today, XX/XX/XXXX I did not get any response, on top of all, they DID NOT apply the mortgage payment I had mailed in, basically saying that I did not make my mortgage payment on time. 
If Selene Finance is unable to handle and calculate my escrow amount correctly, I am willing to pay my r.e. taxes and insurance on my own. 
Please, help me out dealing with this lender as their ineffective ways and practices cause a lot of unnecessary stress. 
Thank you XXXX XXXX XXXX direct
Product: Credit reporting or other personal consumer reports

These fraudulent accounts are affecting my livelihood. My credit has been severely affected by this and I really hope that I can get the help needed. I have tried to fix this in the past. This data breach that Equifax has admitted that I have been affected by is not the only XXXX and unfortunately over the years the XXXX major consumer reporting agencies : Equifax, TransUnion, and Experian have all had data breaches. The secondary reporting agencies have inaccurate info on me as well.I have learned that consumer laws are put in place to protect us for inaccuracies reported on our credit reports consumer reports. 15 USC 1681 to be specific. Let 's be fair to all Americans please. Thanks Accounts Affected Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Please see my attached documents for more information
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis file ( # XXXX ) I received my Innovis report and discovered that there were accounts on this report not relating to me. I was a victim of identity theft. I have sent to them my FTC ID affidavit signed and notarized including the police report attachment and identifications that identify me. They have ignored the FCRA law of section 605B. FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits.

Additionally, the reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These accounts need to be removed and deleted from my report. 

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

In accordance with the Fair Credit Reporting act 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DEPT OF EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

incorrect information on my background check and personal information for phone numbers and address
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached document and add documentation to submitted complaint for XXXX XXXX, XXXX XXXX, TransUnion XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

The XXXX accounts are ten years old but the collection agency is re aging my accounts as if they have just been reported.
Product: Checking or savings account

On XXXX XXXX I made an online purchase at XXXX with my Chase card XXXX for {$1100.00} and I chose the option to pay extra to have my products overnight shipped to me knowing that I would be going to work I am a XXXX XXXX XXXX and not be home for a couple of days and my shipment was delayed and I tried to cancel the order through email and phone call before the order be sent out And I was unsuccessful with reaching them by phone I emailed multiple times I didnt receive an email until days later and was told that the package was still delivered and I have no knowledge of where the packages or where it was delivered I opened a dispute with my bank and XXXX neither was helpful
Product: Debt collection

Complaint Details : Company Name : Transworld Systems Inc.

Problem Description : I am filing this complaint against Transworld Systems Inc. ( TSI ) for their ongoing failure to provide adequate debt validation and their disregard for my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

On XX/XX/year>, TSI responded to my previous complaint by stating they placed the referenced account in restrictive status and attached a single XXXX XXXX statement with a balance of {$900.00}. However, the amount TSI is attempting to collect is {$1000.00}, which includes an unexplained fee of {$150.00}. Despite repeated requests, TSI has failed to provide the following : 1. Complete Validation of the Debt : No itemized breakdown of the charges, fees, or interest that make up the {$1000.00}.

No documentation demonstrating my legal obligation to pay this alleged debt, such as a contract or agreement with XXXX XXXX bearing my signature. 
2. Proof of Authority to Collect : TSI has not provided evidence that they or their client, XXXX XXXX XXXX, have legal standing to collect this debt. 
XXXX. Resolution of Discrepancies : There is a clear discrepancy between the {$1000.00} claimed by TSI and the {$900.00} shown on the XXXX XXXX statement they provided. 

Additionally, I have been contacted by multiple debt collectors attempting to collect this same alleged debt, which raises serious concerns about the legitimacy of the claim and violates my rights. 

Attempts to Resolve the Issue : I have repeatedly requested proper validation of the debt from TSI, including through prior CFPB complaints, but TSI has not fulfilled their legal obligations. They continue to provide insufficient responses, such as sending duplicate or incomplete statements that do not address the discrepancies or establish the validity of the debt.

Harm Experienced : This situation has caused significant stress and confusion due to the lack of proper validation and conflicting amounts. The involvement of multiple debt collectors has further exacerbated my distress and raises concerns about potential inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Prepaid card

XXXX XXXX solutions issued me a XXXX card in XX/XX/XXXX. It expired on XX/XX/XXXX. To get a new card with an extended expiration date, they want to charge {$10.00}. 15 USC 1693l-1 states that the card should have had an expiration date XXXX years from the date it was issued, not XXXX months later. 
When I talked to the company about this, they refused to waive the fee and told me it is in their terms and conditions. When I told them their terms and conditions violated national law, they told me they couldn't help me.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there are addresses listed that are not mine.
Product: Debt collection

On the date of XX/XX/2021 I questioned the Balance : {$1800.00} of obligation that you are endeavoring to gather from me for alleged account # XXXX. Also, I mentioned confirmation of the supposed obligation according to my privileges under the FDCPA. Concerning my confirmation demand under the FDCPA, I mentioned a duplicate of a marked agreement too assuming any security store was held to balance the equilibrium, evidence of mailing of any assertion of charges itemizing the justification behind keeping store assets, and verification of the letter mailing date. Any agreement or understanding sent should be with the first bank and marked by all gatherings to it You have neglected to acquire and send confirmation of the supposed obligation by not mailing me an agreement. Rather than sending me a consented to agreement or arrangement as mentioned, you sent didn't give any reaction Consequently you don't have an agreement with me and I don't approve this obligation. There are additionally state laws that expect you to send me a report by affirmed mail which and should involve the subtleties of the leftover store sum. Moreover, I mentioned that you cut it out all assortment movement, counting credit announcing. That is, I mentioned that you erase all announcing made to any purchaser revealing organizations. You have neglected to address my quite certain legitimate demands and are in clear infringement of the FDCPA. Under the FDCPA, it is unjustifiable or inappropriate to endeavor to gather a supposed obligation in any sum that isn't explicitly approved by an arrangement making the obligation or allowed by law. 


Because of the previous, you have caused me extra pressure, disappointment, credit harm, and expenses. You have likewise deferred your chance to agreeably resolve this issue without the need to prosecute. I expect to advance this make a difference to a lawyer or start case against you under the FDCPA. Until you are officially served process, you might resolve my FDCPA guarantees by doing the accompanying : ( 1 ) stop this instant assortment, ( 2 ) erase all of your credit detailing, and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.
Product: Credit card or prepaid card

My synchrony verizon visa card was closed. Creditor reason was the way i handled my account indicated a greater instance of delinquency. My account has always been laid in full every month and on time for the whole time my account has been open which has been over 1.5 years. All of my credit accounts are paid in full every month and on time. 
I requested credit increase on card on several occasions to raise credit score. All information was factual
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX that an account from another bank was opened in my name-I found out a few days before and reported to the company. XXXX advice was to lock my account-the problem was my account was locked for inquires, so the service didnt work. I attempted to report the matter and asked for a refund due to the lock didnt work. The representative said I cant do thatits complicated. I told him I didnt want to talk to him anymore and needed to speak to a manager, he threatened to hang up with me, I told him I know who to call. So I came here to report them and request a refund for services Im paying to lock my report, which didnt work. I only want a refund for a month.