23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax 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 : 1. Personal credit card with XXXX XXXX opened XX/XX/XXXX, under account XXXX. 
XXXX. Personal credit card with XXXX opened XXXX XX/XX/XXXX, under account XXXX. 
XXXX. Unsecured loan with XXXX opened on XXXX XXXX, XXXX, under the account XXXX. 
XXXX. An utility account with XXXX XXXX opened on XX/XX/XXXX, under the account XXXX. 
XXXX. An utility account with XXXX XXXX opened XX/XX/XXXX, under account XXXX. 
XXXX. An utility account with XXXX XXXX open on XX/XX/XXXX under account number XXXX. 
XXXX. An utility account with XXXX XXXX open on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & 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.
Product: Mortgage

Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. 
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.
Product: Debt collection

See attachments!

It is illegal to report transaction history, it is illegal to use unfair me to collect any debt!

Violation of privacy of 1974 violation of 31 USC 5103
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

I deposited funds in my Marcus Savings account from my XXXX XXXX Checking account. I noted that my funds weren't available in my Marcus account for an inordinate amount of time and seemingly held much longer than previous transferred funds.

I asked Marcus how long they NOW hold funds before I the account holder have use of the funds and received this reply Thank you for waiting. 

It feels like transfers should be instantaneous, but it takes time for funds to reach Marcus. Once we confirm the transaction and receive the funds, youll be able to access the money. Confirming an ACH transfer is similar to the process banks use to clear checks to confirm the transaction, the external bank and the funds. 

Incoming ACH transfers take XXXX business days to be pulled from the external bank. Your money should be available in your Marcus account on the fifth business day after the day the ACH transfer is deemed to be received by us. This is XXXX business days after the Federal Reserve credits us the funds.
Product: Consumer Loan

This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so..Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

A Netspend cardwas delivered to my house sometime in XXXX. Netspend is a legit company, but I did NOT ORDER this card. The account ( 16 digit number on the front of the card ) was associated with my name & email, but I refused to provide my SSN number. The representative told me ( when I called today, on XX/XX/2022 ) she could & would close the account AND prevent it from being opened without requiring my SSN, then recommended I contact the FTC. So, I need this reported as a fraudulent account that was opened. Fortunately, there has been NO unusual activity within my financial accounts.
Product: Debt collection

This company is reporting fradulent inaccurate information on my credit report. I have requested they provide the PURCHASE AGREEMENT to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

-I requested a Debt Validation Letter, from XXXX  XXXX : Partial Act # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ( XXXX SEPARATE ACCOUNTS ) that would provide a signed contract/agreement along with Terms to repay Valid Debts -I received an account statement, which is insufficient to validate an alleged debt -I then told the XXXX  XXXX corporation to Cease all Communication and Contact with me, as it pertains to each account and any alleged debt -This accounts were CHARGED OFF in XXXX of XXXX, yet XXXX  XXXX is continuing to negatively report and COMMUNICATE information pertaining to these accounts and Alleged Debt to all of the credit bureaus & credit reporting agencies XXXX 
-This is a direct and blatant violation of 15 USC 1692c. I want all reporting and Communication, as it relates to this account and any alleged debt, to cease and desist immediately, or legal action may be my only recourse and remedy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, I closed my checking, savings, and safe deposit box at Wells Fargo bank. The safe deposit box contained a CD for {$30000.00}. When I told the bank I would like to withdraw my money from the CD, I was told that they couldnt find any records on it and was advised to contact Wells Fargo customer support. On XX/XX/year> I contacted Wells Fargo customer support and was they would not be able to help me on this matter. On XX/XX/year>, I filed a complaint with cfpb. On XX/XX/year> I received an email stating that my complaint has been closed by Wells Fargo bank. I have resided at the same address and have the same phone number for over XXXX and was never contacted by Wells Fargo that there was an issue with my money held in the CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX, XX/XX/XXXX. Factual data, XX/XX/XXXX. Factual XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. Factual XXXX XX/XX/XXXX. These were through TransUnion that i have disputed and they will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX please delete this account XXXX XXXX XXXX XXXXXXXX please delete this account I have no knowledge of it. 

XXXX XXXX XXXX XXXXXXXX please remove all these accounts. I have no knowledge of them.
Product: Checking or savings account

The Chase bank account never gave an opportunity when I did nothing wrong of relationship when mentioned they decide end my life.
Product: Debt collection

Thank you for your inquiry. I am currently checking my files. However, I am currently unable to pay you anything at this time and therefore I must refuse to pay you. If my situation changes, I will let you know. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was XXXX reports by Transworld for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the XXXX Transworld reports ; however, XXXX is still waiting for Transworld to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the Tranworld accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why Transworld is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was XXXX day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : 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 a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date ( XX/XX/2022 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
( XXXX XXXX XXXX : XXXX )
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$7500.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX  - XXXX {$370.00} XXXX - XXXX {$600.00} XXXX XXXX XXXX - XXXX {$600.00} XXXX XXXX XXXX XXXX  - XXXX {$570.00} XXXX XXXX XXXX - XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$3400.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$690.00} XXXX XXXX  XXXX - XXXX {$470.00} XXXX - XXXX XXXX {$330.00} XXXX XXXX - XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX {$360.00} XXXX - XXXX XXXX {$310.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was told that my case was ongoing and no payments were due, I now found out Im 6 months behind. 

I called 20 times this year and bank told me that they are still sending documents and when i got them notarized I would start making payments Now I found I owe {$7000.00} I have no fore-closer date or anything its like Im in limbo. 

They also told me any payments this year before documents were submitted would be due at end of loan no they are telling me something else
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second letter requesting your company to correct your own mistakes. I have received no response yet you continue to report to the credit bureaus that there is a balance owed on the above referenced account. I sent your company the payment receipt showing the balance I paid at the time and the ending balance asXX/XX/XXXX The receipt does not even reflect the balance that you are reporting. I am once again providing that for your records. 
It is a violation of the Fair Debt Collection Practices Act to continue to report information on an account in dispute. I am requesting that you report this account with a dispute status or delete the account completely with all three credit bureaus. 
I expect a response within 10 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Student loan

Navient has not responded to my request to send me my payoff information for private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and XXXX have NOT removed this debt off of my report.
Product: Debt collection

SPRINGOAKCAP Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$380.00} Balance updated XX/XX/XXXX Original balance {$380.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 

Comments Placed for collection - Your statement Contact info Name SPRING OAKS CAPITAL LLC Address XXXX, VA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my credit report on or about XX/XX/XXXX and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and XXXX and XXXX XXXX said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from Equifax and XXXX XXXX but not all that was detailed in the FTC identity theft report and police report and XXXX nothing was deleted and I never received a response letter.