23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Re : Fraudulent Withdraw Transactions I am demanding a return of funds to my checking account fraudulently withdrawn from my account via an ACH transaction without the approval and required documents for such withdrawals. This fraudulent transaction was made on XX/XX/2024, from my business checking account. 

I have filed claims with Wells Fargo via the phone notification system and received Claim No. XXXX. All pertinent information is detailed in the Claim. 

The entity withdrawing the claim has never been associated with our business nor set up as an ACH approved payee. The two withdrawals on XX/XX/2024 for {$5700.00} and {$3800.00} were represented on Wells Fargo Bank account activity report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$3800.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened on XX/XX/XXXX with XXXX XXXX.Another credit card with XXXX XXXX account opened on XX/XX/XXXX. A third credit card with XXXX XXXX account XXXX on XX/XX/XXXX. A fourth credit card with XXXX XXXX account XXXX on XX/XX/XXXX. XXXX XXXX credit card opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) credit card opened on XX/XX/XXXX. XXXX XXXX XXXX credit card opened on XX/XX/XXXX. XXXX XXXX XXXX credit card opened on XX/XX/XXXX. XXXX XXXX XXXX  charge card opened on XX/XX/XXXX. XXXX XXXX XXXX credit card opened on XX/XX/XXXXXXXX XXXX charge card opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Debt collection

There is a debt on my credit report that does not belong to me. I have tried relentlessly to get a copy of the original application to no avail. This company is refusing to remove it from my credit and it is prohibiting me from being approved for a home loan. It says it was opened XXXX of 2016 and I did not open this and have no knowledge about it at all.
Product: Credit reporting or other personal consumer reports

IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$1700.00}, XXXX XXXX  ACCT # XXXX BALANCE {$1100.00} IS A FRAUDULENT ACCOUNT,, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Product: Debt collection

In XXXX of XXXX I rented from an apartment complex. A balance of {$1900.00} was sent to collections in XX/XX/XXXX that was no longer my responsibility. Once a balance is sent to collections, the original creditor has written the balance off on their taxes and you are no longer obligated to pay any owed balances. That apartment complex also went under new property management in XXXX of XXXX and the new property management company paid for and assumed all debts, and again, I was no longer responsible for or obligated to pay any past due debts. I have disputed this with the credit bureaus and the collections agency says the balance is my responsibility. The collections agency stated to remove this off of my credit that I needed to provided documentation to them stating that I no longer had a balance. I provided the information to the collections agency and they are still trying to collect for their own purposes and will not remove this from my credit report nor accept the documentation showing that I do not owe a balance which is what they asked for. I have contacted the former property management company ( via email and phone ) and I have also contacted and received documentation from the new property management company. The collections agency that has this balance refuses to hear any explanation, refuses to accept documentation, and refuses to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
Product: Consumer Loan

. I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
Product: Credit reporting or other personal consumer reports

I have raised disputes regarding incorrect information on my credit report with TransUnion, XXXX, and XXXX. Despite submitting multiple disputes, the inaccuracies remain unresolved. These failures are causing significant harm to my credit profile. 

Dispute Reasons and Violations : Failure to Correct Inaccuracies ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus did not adhere to the 30-day investigation period required for disputes, leaving inaccuracies unaddressed. 

Failure to Verify Information ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : The credit bureaus have not followed proper investigation protocols, as they have failed to provide sufficient evidence or findings supporting the accuracy of the disputed information.

Improper Reporting of Negative Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been excluded from my report, violating the time limits outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I believe this is a reprisal from another complaint I file with you concern PNC bank and was refunded only two payments taken from a closed account. complaint # XXXX on XX/XX/2018. Now I have to deal with this matter from PNC.

I had a PNC credit card, which I paid in full and received a PNC letter of a XXXX balance, after paying this on XX/XX/2018 and just close my PNC bank account in early XX/XX/2018. I received a two months late payment notice on a closed credit card account. I called two different individuals and I was told that XX/XX/XXXX interest need to be paid for advance payment. I had stop using that credit card and PNC bank had from XX/XX/XXXX to XX/XX/2018 when I paid in full to include that interest. How can this be when I called for a pay off amount and then called back to pay it off two months later, meaning of {$48.00} should have been applied. Now, I am concern about late fees for two months and reporting to the Credit Bureaus. I believe PNC wants approximately {$90.00} from me. The PNC Letter I received stated the following : XX/XX/2018 As you requested, on XX/XX/2018 we closed your PNC Credit Card account. The following is current balance and payment information about your account.

Current balance : {$0.00} Account balance on your last statement : {$4700.00} Amount of the last payment we received {$5600.00} Date last payment posted : XX/XX/2018.
Product: Student loan

I first received notice by mail about nonpayment on the account some 69 days when past due, I am a cosigner on the loan, I called navient to try and get some answers as to why they took so long to notify me of the account being late, I spoke to some person named XXXX, with no satisfaction, I then asked to speak to a supervisor, I was placed on hold for approximately four minutes and the telephone went dead, I tried three time to reconnect but I received a message I could not dial the number listed, I am not trying to avoid my responsibility just the fact that they did not notify earlier so I could take a more corrective action, as a result of their poor business practice, my credit score has dropped well below my average, my reasoning for this action is I would like to have that late payment removed my credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using a Target Red Card at Target to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from Target for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called Target on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX   balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two.  She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by Target. She told me again that it would take 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/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. 
XXXX XXXX, XXXX, XXXX, A, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Venmo froze my account on XX/XX/2023. The email I got said a card was flagged that I just ordered the night before for my daughter. Which wasnt even processed yet. I finally get a hold of someone and they made me upload MY ID. They said it would take XXXX days to get it unfrozen. Well I have got no email like they promised. Its been 11 days now. I call today and the lady is now expanding the days. They still cant explain why they froze it in the first place. I am starting to feel they do this to steal the money. Either they take it and cant pay it back. Or make it so hard to get your account unfrozen that they just keep your money. I dont see why it takes XXXX  days to unfreeze an account and give an explanation on why they even did it in the first place.
Product: Debt collection

A company by the name of XXXX provided an insurance rating software. The product was/is named " XXXX ''. 

For " years '' they would not apply my payments to the invoices that were the oldest despite my request both in writing, email and by phone. 

Then, on or about XXXX I contacted a marketing representative by the name of XXXX XXXX of XXXX about switching over to a different version of the rater. The product was called " XXXX XXXX ''. 

After trying to use the product XXXX XXXX I cancelled the subscription. 

Then, I received pages of invoices for the XXXX rater and for the XXXX XXXX. There errors were still wrong. 

No were did he stated I would be locked into a year subscription. I had been with XXXX and the prior owner of XXXX for over 20 years. 

Then, today I get a letter from an attorney stating I owe {$1300.00} plus ... I called and explained that I did not disagree that I owe some money but they need to get the errors correct. He then sent me a second email for nearly three times the amount and threatned my credit. 

The way XXXX  structured and applied payments make me look badly. I am going to make payments for the months that I owe XXXX and the one or two for the XXXX XXXX. 

They are being abusive because I went to a competitor XXXX rater. 

Please help.
Product: Student loan

I received a letter regarding a missed payment in XX/XX/XXXX. After checking my bank account and verifying that I had mistakenly missed a payment in XX/XX/XXXX, I called them to discuss what I needed to do. At that time the person I talked to told me that sending my regular payment for XX/XX/XXXX should catch me up, as I normally pay more than the minimum payment. I did so, but have continued to receive letters, and am now getting harassing phone calls. I spoke with a representative on the phone today who kept badgering me and calling my account " delinquent. '' I told them to stop calling and harassing me. I have paid every month since I spoke with them about my missed XX/XX/XXXX payment, and followed their directions to " catch up '' on the XX/XX/XXXX payment. I want the harassing phone calls to stop. 

Additionally my interest rate is over 9 % and I have contacted them numerous times about reducing my interest rate so that my monthly payments will actually go toward reducing my balance. They have been unwilling to work with me on reducing my interest rate, even though I have faithfully made my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX  bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX
Product: Student loan

RE : STUDENT LOANS NAVIENT Reported : XXXX. XXXX, XXXX {$19000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$28000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$15000.00} In good standing As per my recent email with CFPB I indicated that NAVIENT agreed to remove me as a comaker/cobuyer as of XXXX when I turned XXXX .... as per a recent email from XXXX their was an acknoledgement that this is being done, i misplaced the email, only way i can retrieve if i do a system restore, nonetheless I need all three loans removed from the 3 major credit bureaus, my son XXXX is paying these loans on time. I am XXXX and I just want Navient to make good on their promise. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I contacted Experian multiple times along with speaking with fraud dept. manager XXXX 2023 requesting deletion of the unauthorized hard inquiries dated XX/XX/2023 & XX/XX/2023 I checked my consumer report and noticed multiple hard inquiries from companies that I did not give permission & /or I did not apply with.
Product: Student loan

I had 4 private loans from lenders ( XXXX  and XXXX ) serviced via XXXX company and I started my residency training in XX/XX/2020 and I submitted my residency verification documents in XX/XX/2020, however they kept denying my residency verification and default my loans in forbearance and keep default my loans into debt collection with delay payment fees and increased my loan interested rate. I kept trying to call them to resolve this issue and every time I received a reassurance that it will be fixed but they never have it resolved. In turned they kept asking me to submit an updated residency verification and more documents while I try my best to do it in time manner. This process delay for months while I still pay them monthly payment of minimal {$100.00} per month for each account. 

Please help!
Product: Checking or savings account

I was out of town and someone used my debt card for several transactions. I informed Chase of this error in conjunction with the overdrafts fees with these funds not being available in my account.