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

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA & # XXXX XXXX. ON XX/XX/2021 I MAILED XXXX, XXXX, AND EXPERIAN 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 AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND XXXX XXXX XXXXFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Checking or savings account

I submitted a XXXX payment from my Capital One checking account. The amount was for {$1800.00} and the intended recipient was XXXX XXXX. XXXX XXXX never received the payment but the money was deducted from my checking account. Capital One never notified me of a problem with the online payment. It wasn't until I checked my XXXX XXXX account on XX/XX/XXXX that I noticed the payment was not received. I immediately called Capital One and was told that they could see there was a problem with the payment. The representative had no other information regarding what happened or where the money was, or why they had not notified me of a problem. I asked to speak with a supervisor. I was speaking with for a very brief time when we got disconnected. She never called me back. I called Capital One again on XX/XX/XXXX and spoke with another representative. I informed her that I had set up a claim but that the money had still not been put back in my account. She transferred me to the claims department who told me that it was being investigated and it could take up to 10 business days. I told them I found it completely unacceptable that they had taken {$1800.00} of my money and not returned it. It has now been almost a full month since the payment was initiated. 10 days since I set up the claim with Capital One and still I do not have my money back!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

CLOSED ACCOUNT : WFFNATBANK # 577442 UNAUTHORIZED INQUIRIES : CPS 06/06/2023 TU COAF 06/06/2023 TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems refuses to remove erroneous information from my credit reports. I had called them to discuss and hopefully rectify this matter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. On Sunday, XX/XX/2022, I sent an email to XXXX stating that I had called XXXX and legally recorded a XXXX representative verifying I did not owe XXXX any money, and that they'd already sent notification to Southwest Credit Systems declaring such. I also have my bank statement showing the payment in full ( {$370.00} ) to XXXX for the account in question. Southwest Credit Systems has refused to verify with XXXX that I do not owe them ( XXXX nor Southwest Credit Systems ) any money and continue to deliberately report inaccurate information to the credit bureaus. The phone number I called for Southwest Credit Systems is XXXX, and for XXXX I called XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I allowed XXXX XXXX to fix any mistakes on my credit report for me. They sent dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove OUTDATED accounts. I have yet to hear back about these disputes specifically with results and decisions. The bureau should have looked at all the paperwork I sent with the disputes. I gave XXXX XXXX permission on XX/XX/XXXX, and all the necessary documents were sent with the disputes on XX/XX/XXXX and XX/XX/XXXX. I want my disputes to be handled correctly and for any wrong information to be removed as stated in the disputes sent on those dates. 

Accounts : XXXX. Account Name : XXXX XXXX  Account # : XXXX XXXX. Account Name : XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief that occurred through multiple data breaches that I was notified of by XXXX. Upon the first notification last year I began noticing accounts, loans and different inquiries on my credit reports that were not mine I also noticed charges to my accounts that were not made by me. I reached out to these companies and credit bureaus making them aware that all my personal data, personal information including address and social security number and banking information was taken within the span of several years from several different branches one from a medical company where my information was stolen and another from my mortgage company loan care. I told them I did not know who used my personal information without my permission to open an account and make purchases with these accounts the debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report to these companies several times I also have a police report now. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
Delete : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all non-account inquiries as I did not authorize these inquiries and they were done without my authorization. 

Also I provided proof of documents that I feel are important especially if the companies like XXXX are saying they verified me by information but they also said they verified another person via information yet this person does not reside with me nor have I ever heard of this name but they mailed out a letter to my house with this person 's name on it saying they verified them, they need to remove all accounts from my credit report asap.
Product: Debt collection

I called this collection agency wanting to negotiate terms of my total amount. The amount I have owed ( according to the paper statements they sent me ) did not match what XXXX was telling me on the phone. I tried to get some information on where he was getting his amounts, dates of service, etc. XXXX insulted, said I didn't know how to read an account number. I emailed the office the statement I was clearly looking at and how it wasn't matching XXXX XXXX statements. He said that the email would have to go through another department, he couldn't explain a THIRD bill and date of service, nor could he explain the change of amounts, nor could he explain the {$400.00} difference in amounts. If a company can not be respectful to their customers, explain ACUTAL NUMBERS, and exchange information with their customers, but yet expect them to pay their bills, how is this legal? This company does not have to explain itself or what it is charging? Where does that power come from? What business owner is letting their male customer service reps, like XXXX talk to down to their female customers.
Product: Checking or savings account

The IRS transmitted my Economic Impact Payment for a total of {$1200.00} via direct deposit into my checking account with PayPal on XX/XX/2020. According to PayPals terms the government direct deposit may not post to my account for 3 - 5 business days. It is now XX/XX/2020, which is 8 days since my deposit was transferred from the IRS to my PayPal account. There is still no pending or completed transfer on my account. I have reached out to them, but have not had any response or contact from a representative about my current situation. I have waited patiently for 8 days for the IRS direct deposit payment to post to my account, but the PayPal company has fraudulently held my money for a far longer extended period of time than was expressed in the terms and conditions.
Product: Credit reporting or other personal consumer reports

XXXX Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes.

I've included Two PDFs ( s ) showing the inquiry and showing Pentagon federal Credit Union Removing the inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XXXX XXXX, XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX LA XXXX XXXX Opened XXXX XXXX, XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

I called a place called navient and told them the person they are sending the collection letters to does not live here and i dont know who the person is.i asked the supervisors on 3 or 4 occasions to stop mailing me this mail and i dont know who the perso. Is and they tell me ok we will take care of it and take the address off file.it has not worked.im getting harassed and im the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user JCPenny should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My complaint is against MONEY NETWORK in XXXX, MD : On or about XX/XX/2022, I received a prepaid card in the amount of {$1000.00} for my " California Middle Class Tax Refund ''. I followed all the instructions to activate the card and went to XXXX XXXX XXXX to get the cash from the card. XXXX has the special machine to verify my funds and give me the cash. The bank teller told me the machine said my card is " void ''. 
The same day I called MONEY NETWORK and asked for a check to be mailed and they agreed to mail me a check. After about 30 days, the check didn't come so I called and we agreed they would send me another check. As of this writing, the second check has never arrived. 
I made multiple phone calls and MONEY NETWORK 's system notes are the best source for a record of all my calls. It also represents how much time I've spent. 

I received IRS tax from 1099 for the money I never received. I believe MONEY NETWORK is engaged in fraudulent and illegal activity.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX BalanceOwed : {$7900.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Greetings! I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 

Account name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX The consumer reporting agencies have and need to report on all information with complete accuracy. I'm now requesting and demand these payments be updated to paid on time immediately. Thank you for your understanding.
Product: Debt collection

Over a year ago I was trying to move out of my grandmother home into a place for the first time and every place I applied for would not accept me because I have an eviction on my credit which I never had my own place before as I previously stated. I constantly contacted J J MARSHALL ASSOCIATES INC several times and I kept getting the run arounds. They constantly were telling me they were going to send out a fraud pocket on step to dispute the matter, which I never receive so I reported the situation to XXXX to dispute the matter after a year trying to do it on my own with the company.
Product: Debt collection

On XX/XX/XXXX WayPoint Resource Group add a debt {$330.00} to my XXXX report. I sent a verification letter and disputed the debt as not mine. This account was once deleted from my report on XX/XX/XXXX by XXXX XXXX XXXX which sold the deleted debt to WayPoint Resource. This is not my debt and verification has not been established.
Product: Credit reporting or other personal consumer reports

I have report this matter over and over again and I do not understand why both of these Company is just destroying my credit profile I fine this very stressful I have file XXXX  XXXX in XXXX XXXX XXXX  XXXX In XXXX Virginia back in 2019 and it is a fresh Start for me Credit Accept is filed and they and they reporting XXXX collection with a one defaulted Loan   XXXX XXXX and XXXX XXXX XXXX XXXX XXXX reported to XXXX XXXX  which they using false statement to destroy in anyway they can I have been dealing with the lies and it cost me to not to go on with my life I Credit Accept report to XXXX balance paid off with 15 negative remarks and XXXX XXXX Balance Paid off so which is it I am asking for both company to be removed from all my credit Reports reporting this has to stop this behavior how can Consumer Financial Protection Bureau is not protecting me How do I file XXXX  XXXX and still be destroyed do you all know my base score is under XXXX and I have paid all my bills on time since I file in 2019 is this because I am a XXXX XXXX  doing right because I have report this a lot of time and nothing changes
Product: Money transfer, virtual currency, or money service

I tried to transfer my fund from my  XXXX   XXXX   XXXX  (  XXXX   ), to  m y Wells Fargo   Checking Ac count and it was rejected. The proble m, Wells Fargo  took the from my  XXXX  account but, did not put the money in my account. The money in also not in my  XXXX  account. This happened on Thursday,  XXXX   XXXX    XXXX  . Today is Tuesday,  XXXX   XXXX    XXXX  . I was told at first that my funds would be back in my  XXXX  account in 10 days, then it wa s 72  hours, now they are sayings 30 days. I ca n't wait 30 days s! Wells Fargo h as my funds but will not give my funds nor return them. I need my funds now! My rent and utilities need to be paid! I am under and eviction warning, I will loses my storage, I ca n't buy my meds. Please help! the amount in question is {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. Santander accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against Santander USA and received a settlement check. However I want Santander to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and XXXX. I have hired a law firm to help remove the Santander negative information.
Product: Credit card

XX/XX/24 - received txt message XXXX, email and a call from XXXX XXXX XXXX ( XXXX ) regarding a fraud Alert. 
XX/XX/24 - logged in to my account via the web and changed my password, no notifications or messages showing up. 
XX/XX/24 - Called XXXX, phone number on the credit card for assistance. Spoke with XXXX- she would not assist. Wanted a verification webcam with a copy of my id ( exposing my picture and id to the web ) and if not willing, send a letter via mail and expected me to send back a copy of my id via mail ( this is a 2nd method that exposes me to further fraud ). No other options were provided - refused to assist. 
XX/XX/24 - received txt message from XXXX again XX/XX/24 - Contacted Lowe's/Synchrony - Talked to 3 different individuals- still offer no solutions that will not expose me further to fraud. 
XX/XX/24 - Contacted XXXX  - XXXX, spoke with 3 different individuals, was able to assist with setting up alert, reported address as fraud, freezing my credit and pointing me to report to FTC.gov and your site CFPB. 
XX/XX/24 - Reported to FTC.gov - Report Number XXXX