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

There are accounts currently being furnished on my credit report without my written authorization or consent. Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report. Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave TRANSUNION WRITTEN CONSENT to furnish any of these accounts. Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. XXXX XXXX  account # XXXX-balance- {$87000.00}, XXXX XXXX  account XXXX XXXX-balance- {$13000.00}, XXXX XXXX  XXXX account # XXXX-balance- {$31000.00} XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. I have attached the necessary documentation with the inquiries listed as well as my proof of identity.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

TRANSUNION/FICO XXXX report that I too many delinquent accounts, when in fact there are none. ( Background : XXXX XXXX asked for a round up donation for XXXX XXXX XXXX in the amount of XXXX XXXX for a total purchase of {XXXX XXXX The original purchase was cancelled as the product was never available to begin with. But XXXX did not remove the donation when the product fee was credited to my account. That donation fee was paid in XX/XX/2023 however XXXX failed to timely collect the payment before the account was closed do to an on going fraudulent problem with that bank account. ) Further said statement claims there are too many accounts open with balances when there in fact are none. ( Background : we use 4 major credit cards for all of our purchases depending on the percentage paid back to us. None of these accounts carry a balance due beyond their given due dates. All balances are paid in full. ) Finally, this is not the first this service has produced erroneous information that has negatively impacted my credit score. Prior to this fraudulent report my was XXXX XXXX. The only remedy is the restoration of my correct credit score and a monitoring of the aforementioned business practices. Thank you in advance for your time and consideration. XXXX
Product: Debt collection

I had a membership with a gym ( XXXX in XXXX VA ) and moved out of the area before my membership was over. I called the gym immediately and submitted all required documentation of my change of address as requested, and the gym agreed that I would not be held for the remaining balance, nor would I receive any further charges. I am being fraudulently charged for the remaining balance through a collection agency, and I am not the only member of this gym facing this issue. 

Also, the debt collector also filed the debt as a late payment. Even if I owed this debt, which I do n't, a late payment does not exist with the debt collector, and is fraudulently damaging my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX please remove these closed accounts there were no account numbers 1 ) XXXX XXXX price $ {$470.00} 2 ) XXXX XXXX {$0.00} for 1 ) XXXX XXXX XXXXXX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX XXXX ) source recub {$1500.00} 15 U.S.C. 1681 section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1C ( a\5 ) Section State : No consumer reporting agency may make in consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crime which are antedated the reports by more than seven years.

15 U! S.C. 1681s2 ( A ) ( 1 ) A A person should not furnish any information relating to a consumer to any consumer reporting agency if the personals or has reasonable cause to believe that the information is in accurate.
Product: Money transfer, virtual currency, or money service

I applied for a XXXX XXXX position on XXXX, believing it to be a legitimate job opportunity. After the interview, I received an offer letter and completed a W-4 tax form. Subsequently, " XXXX XXXX '' ( XXXX ) sent me a check for {$4900.00} to cover the costs of purchasing work-from-home equipment, including a computer, printer, fax, and software. I deposited this check into my Wells Fargo account on XX/XX/XXXX. The next day, on XX/XX/XXXX, I transferred {$1500.00} via XXXX XXXX to XXXX XXXX for the intended equipment purchase. Later, Wells Fargo informed me that the deposited check was fraudulent. Despite the initial appearance of the funds in my account, I now find myself owing Wells Fargo {$1500.00} due to this transaction. I've explained to Wells Fargo that I was scammed, but they insist it was my fault and are unwilling to work with me or help me retrieve the money. This situation feels deeply unjust, as I had relied on the funds being genuine. While I may have found information about XXXX XXXX online, I am hesitant to reach out directly. Therefore, I am reaching out to Consumer Finance in the hopes of resolving this issue and having the {$1500.00} returned to my account, which is currently overdrawn. I have attached the following documents for your reference : - My conversation with the scammer in a PDF.

- Their XXXX XXXX information. 
- The offer letter that I signed. 
- The completed W-4 form. 

Below is the possible information for XXXX XXXX : Name : XXXX XXXX XXXX Age : XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Current Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX OF XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX  Inquired on XX/XX/2023.
Product: Debt collection

I called XXXX XXXX for plumbing service on or about mid XXXX. XXXX XXXX came out said he could not do the work under my leaking kitchen sink because his work required some electrical work before he could proceed. He makes a phone call and an electrician sales and service guy appears telling me I had major problems in my panel box ;, geckos, gecko urine and that sent a surge and caused my electrical outlet under my kitchen sink to short out. I needed a new panel box and a surge protector. I am XXXX years old and all I could think about was animals, urine, wet, electrical, not good. He arranged for my electricity to be turned off, the electrical guy came out to replace my panel box. He said there were No geckos, no urine, and wanted to know why I was having that work done. I contacted XXXX XXXX to tell them the salesman sold me an electrical panel and a surge protector on a lie and I wanted it back to the way I had it before. They sent out a manager about two weeks later to, what he said, gather information. A lady by the name of XXXX called a few days later to tell me that they could remove the surge protector but they could not remove the panel or I would not have electricity. and wanted to know how much I thought I should pay for the panel since they could not remove it. I said nothing since it was sold to me on a lie. Long pause. Then I asked, well how much do you think I should pay for it and she said she would have to see and get back to me. They have not removed the surge protector. I have called several times and have talked to XXXX, XXXX, XXXX and XXXX and nobody returns my calls to let me know whats going on. 
In the meantime I chose to finance, interest free for 18mos. I got no written paper work, no idea who was going to do the financing. Soon after I get bill from a GreenSky Program Loan Account for a balance of {$5600.00}, interest rate 24.99 %. I sent them an email to tell them its in dispute but they are sending me letters saying if I dont pay they will turn me in and report me to the credit bureau. I have very good credit and do not want that but at this point I do not know what to do. If XXXX XXXX would answer my calls I would pay them for the work that I did need. I do not want to deal with GreenSky, they are about to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent and email t o US Ba nk requesting to have  XXXX  of the  XXXX  NSF charges that I have received removed since it shows proof on the transactions that I had enough funds to cover the transactions that I am now being charged {$100.00} ( {$36.00} *  XXXX  = {$100.00} ). Here is my email that I sent to  US  Bank : I am disputing  XXXX  NSF fees of {$36.00} these because at the time I withdrew the month on the  XXXX  there as money in the account to over these transactions. I am not disputing the other  XXXX  the other  XXXX  that were added on today  XXXX / XXXX /  XXXX   because that is my error. I can see by my transaction history on my account that I have included that there was a positive balance after that transaction was done. I am requesting  XXXX  of the  XXXX  NSF fees refunded back. Thank you for your time and consideration.      XXXX / XXXX /  XXXX   Atm Fee  XXXX   XXXX   XXXX   XXXX   XXXX  {$2.00} Balance {$120.00}  XXXX / XXXX /  XXXX   Atm Withdrawal  XXXX   XXXX   XXXX   XXXX   XXXX  {$42.00} Balance {$120.00}  XXXX / XXXX /  XXXX    Debit Purchase   XXXX   XXXX   XXXX   XXXX   XXXX  {$16.00} Balance {$160.00}  XXXX / XXXX /  XXXX   Debit Purchase -visa   XXXX   XXXX   XXXX   XXXX  Wa {$7.00} Balance {$180.00} This is US Ba nk response   XXXX  Hello  XXXX ,  Im s  or ry to hear of the difficulty youve experienced with your account. I can certainly explain why the fees were assessed, to help prevent this in the future. Items on your account are paid based on the available balance. This balance includes check card authorizations, as well as any unavailable funds from a deposit. The fees assessed on  XXXX  were the result of transactions that posted on  XXXX . Your available balance ending this date was - {$240.00}, due to unavailable card authorizations at the ATM totaling {$360.00}. I 'm sorry for this reason we are unable to waive the fees on the account.     You can view your available balance by selecting the blue circle next to the running balance when you 're logged into  your Online Bankin g on the full site.       Now I use my mobile app to view my account and balance and what my pending charges are and what my current balance is available. Its obvious on the statement that I will provide that I received off the website online that the amounts were taken out of the positive balance and the only items that should have been charged a NSF fee is the ones in the read which I take responsibility for.     As you can see by the statement I was charged  XXXX  for {$7.00},  XXXX ,  XXXX   XXXX  not usbank atm charge. Those transactions clearly show a positive balance after it was withdrawn dated  XXXX / XXXX /  XXXX   per the statement I have supplied.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these itesm? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXXXXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX, OK XXXX ; XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I started this process in XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XXXX of 2017 into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have XXXX accounts with the same account number of XXXX and XXXX with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through XXXX XXXX now. Even though they show charge off they also reported a 120 day late for XXXX of 2017 even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.
Product: Debt collection

Checked my XXXX XXXX and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Southwest Credit Systems. I did not open or authorize this account, and I request that it be closed immediately.I have never dealt with your company or the company that you represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 it was noticed that there was incorrect and unauthorized information on my credit report.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of Early Warning Services , LLC. The Zelle transfer was sent to my XXXX XXXX account but will not be available until XX/XX/XXXX. 

Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. I expected the transfer to arrive within a reasonable time. 

I expected the transfer to arrive within a reasonable time. It is stated in the Zelle literature that enrolled Zelle customers can expect payment within minutes. I am enrolled in Zelle and I have a XXXX XXXX  account. 

The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by Zelle/XXXX. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.
Product: Credit reporting

The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.