23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have Wells Fargo credit card. 
Payment was due on XX/XX/XXXX for {$16000.00} some change As usual I have submitted payment on XX/XX/XXXX thru Wells Fargo website. The money was transferred to Wells Fargo on XX/XX/XXXX from bank to Wells Fargo as an ACH transfer. 
On XX/XX/XXXX I tried to charge {$2400.00} on credit card which was declined, after calling Wells Fargo they said they have not received money from bank thats why they put a 15 day hold then I called my bank to inquire why the money was not sent to Wells Fargo even though money was taken out of my account they said they did send the money to Wells Fargo thru ACH. 
I called Wells Fargo second time then they tell me they did receive money because of large amount they put a hold on for 15 days, I have reminded them we are not in XXXX or XXXX we are in XXXX I submitted for payment on XXXX and they submitted to my bank XXXX and my bank sent the money on XXXX. They said there is no guarantee it could take up to 30days to have access credit that has been posted to your account. 
I went ACH website it says funds are normally cleared within 3 to 5 days. 
My feeling is because I pay my Cc balance fully every month they are restricting home much I charge because they are not making any money from me using their credit card.
Product: Credit card or prepaid card

I contacted Kohl 's Store AKA Capital One in reference to ID Theft and TWO separate accounts opened in my name and charged causing me financial loss. 

Kohl 's fraud dept supervisor XXXX ID # XXXX refused to provide her last name, REFUSED TO acknowledged that TWO accounts even existed nor would she provide data on them to me. 

ATTACHED are two documents showing TWO separate accounts where opened that Kohl 's refused to admit to where opened, or shut them down when I notified them my identity had been stolen. She also told me Kohl 's did not want the merchandise and that it was to be donated. 

Kohl 's stated as a victim, they could not discuss the issue with me, that they where prevented by federal law from discussing it ( even though they could not site any specific law stating such ) AND refused to state what items where bought, where they were shipped, and if there where any other activity. 

Per the IdentityTheft.gov website my rights as victim where violated as stated below : Know Your Rights Heres an overview of your rights when recovering from identity theft. If someone is using your information to open new accounts or make purchases, report it and get help. 

" If someone steals your identity, you have the right to : create an FTC Identity Theft Report **place a 90-day initial fraud alert on your credit report **place a seven-year extended fraud alert on your credit report ** get free copies of your credit report get fraudulent information removed ( or " blocked '' ) from your credit report dispute fraudulent or inaccurate information on your credit report stop creditors and debt collectors from reporting fraudulent accounts ***get copies of documents related to the identity theft stop a debt collector from contacting you. '' Kohl 's refused to describe or give me documents relating to the ID Theft as required. 

In addition, all THREE credit bureaus refused to provide free credit reports, give 90 day fraud alerts or place seven year fraud alerts because they charge victims for each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : XXXX  Late Close : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXXXXXX Balance : XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was denied a home re-finance due to a collection account being on my credit, which I did not know existed. 

Once I realized it was there, I contacted the collection company, ( Resurgent ), and they told me it was a debt from a XXXX account in XXXX, which I have no knowledge of. 

I sent a certified letter asking for verification of debt, which they received on XX/XX/XXXX, and have not responded to at all! 

I have requested on multiple ocassions that they remove this FALSE debt from my credit, until they can prove otherwise, however, they will not, and are using unethical tactics to try and collect a debt that isn't owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint to Alabama XXXX XXXX  as well. They have not responded because they do not have any information as I stated to Equifax and CFPB. They stated that they do to have a recorded of this case nor did they provide Equifax with this information. So, I would like Equifax to provide me with proof that Alabama XXXX XXXX  provided them with this inaccurate information. This is not my account nor is it accurate information. How do I get this matter rectified when Alabama Dept of Human Resource stated that they did not furnish this inaccurate information.
Product: Student loan

Sometime 2 years ago a company called Student Loan Care contacted me and said that they would help me get my loans forgiven because I work for a non profit. They said that they would consolidate my loans and then get me into the forgiveness program as well as the payment by income program. They did consolidate my loans and did get me in the Payment program however they never got me in the forgiveness program. They also charged me XXXX a month for over 2 years now to be in this program that is actually offered for free from the government. I have filed Fraud charges with my bank to get stop payment started on them.
Product: Credit reporting or other personal consumer reports

I have review my consumer report and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have provided screenshots for in the complaint on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand that these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see the screenshot attached :
Product: Checking or savings account

This complaint pertains to Chase Bank. I have had accounts here for 20 years. Two weeks ago, the bank updated my primary address to my residence and made the mailbox address I've always used as the secondary address. Since then they have frozen all of my accounts " pending review. '' The banker at my branch has made written complaints within the internal bank communications system, but has been told that the " compliance '' department is reviewing this and that there is no means to reach that department. The purported reason for locking my accounts is that they need to verify that my name and residential address match my account profile, which three bankers have confirmed that it does. I have a substantial amount of money deposited here in checking accounts.
Product: Credit reporting, credit repair services, 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 : # 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 an 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 or 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: Debt collection

I just received notice about the attempt to collect a debt from a third-party company ( Consumer Collection Management , Inc. ) on behalf of my former apartment community. I never received notice from the community that any money was owed, and therefore dispute this collection attempt. I left my forwarding address with the former apartment community management upon moving out and have not gotten any communication regarding the supposed balance owed. Upon move-out, I was told the apartment was in excellent condition, no photos were taken, and no balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Checking or savings account

XX/XX/2022 account electronically compromised funds fraudulently withdrawn 30 days later no hopes of being made financially whole. After many many hours on phone with reps..USAA BANKS XXXX  lock me out of my account..Phone calls and internet verification impossible. IM here with no other avenues of action.
Product: Payday loan, title loan, or personal loan

I spoke with XXXX XXXX the week of XX/XX/2021, I was behind on my payments. I explained to XXXX XXXX I had just loss my mom and I would pay the following week, I did not because I forgot, yet in grieving process. I have gotten behind at times before due to coronavirus work issues but never not paid. I returned home XX/XX/2021 and the man up XXXX XXXX from me gave me my mail. There was a unprofessional message written on one of my statements from Tower Loan for the world to see, which violates my privacy. I called down to their office and XXXX XXXX answered, I confronted him about this and he informed me, he wrote the message and he was within companys regulation to collecting a debt.
Product: Debt collection

HELOC through Suntrust mortgage was forgiven in bankruptcy in 2015. Received XXXX on forgiven debt. No debt on credit report yet Suntrust refuses to release lien on property so that we can refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I attempted to have Equifax and Experian resolve the issue of my information being exposed in the Equifax data breach that resulted in several fraudulent accounts and relating inquiries to my credit report on XX/XX/year>. 

These companies have failed to legally resolve my issue. Here are the following fraudulent accounts ; XXXX XXXX XXXX {$26000.00} XXXX {$610.00} XXXX XXXX XXXX {$770.00}
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I am filing this form out today because I have recently find out that I have been an victim of identity theft. Ive recently found out through my bank XXXX XXXX XXXX XXXX that someone has been inside my account charging my accounts fraudulently buying things with my debit and credit card and running 2 accounts to the negative. So I ran my credit with annual credit reported and found out that my Social security number along with my email has been compromised to the Dark Web due to an breach that occurred with XXXX XX/XX/year>. I am looking to get help because they have ruined my credit put my accounts in the negative opened fraudulent accounts and even used my social security number to apply for an house thats constantly calling me saying I am in debt at a place that I have no knowledge about! This situation has set me back major I am getting denied for things I need for my family because these hackers have destroyed my name and SSN.I have attached a police report and an FTC report below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check XXXX XXXX  regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my Equifax report, it showed a inquiry for a mortgage. This was back in 2019. Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because both XXXX and Experian are refusing to remove incorrect and unmailable addresses from my credit report. The addresses in question are : - 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 These addresses are not associated with my current or past residence and should be removed from my credit report. 

Additionally, both XXXX and Experian are reporting incorrect employment information for " XXXX XXXX, '' which is not and has never been my employer.

Relevant USC Codes : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports - This section stipulates that no consumer reporting agency may include incorrect or outdated information in a consumer report. The presence of these incorrect addresses and employment information violates this requirement. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - This section requires consumer reporting agencies to reinvestigate and correct inaccurate information in a consumer 's file. Despite my request, both XXXX and Experian have failed to correct the inaccuracies. 

3. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies - This section mandates that information provided to consumer reporting agencies must be accurate and complete. The refusal to remove incorrect addresses and employment information indicates a failure to uphold this responsibility.
Product: Credit reporting or other personal consumer reports

I dont know who these people are! They are reporting on me and I did not give them my information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX, US DEP ED, USDOE/XXXX. 
Company Inquiries 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 card or prepaid card

XX/XX/2021 I received a package from : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
I did not order or have not looked online for buying male enhancement pills or other type information. I tried to look up the UPS tracking number which took me to another site requesting access to my online information. Since there was no packing slip or information provided I did not return the package for concerns that I would have no proof of return & concerns of fraud. 
XX/XX/2021 I received in my mailbox, a US bank - State Farm credit card billing statement for XXXX, 2021 in the amount of {$4900.00} charging for this unauthorized package. Due to be paid in full by XX/XX/2021. I did not authorize this credit card. I have no possession of this credit card. I had no knowledge of the credit card until receiving the statement in the mail. I am reporting the shipping address to the XXXX XXXX Police Dept. I am reporting the information to the Florida Attorney Generals Office.

Bottom line is none of this has been authorized by me.
Product: Student loan

I was charged a late fee of {$8.00} but I never received the bill, I always pay my bill on time
Product: Credit card

I booked a hotel stay with Capital One travel and was advised the hotel offered complimentary shuttle to theme parks and this was misleading because the only offered complimentary shuttles to XXXX and XXXX XXXX and only one departure and return time. Due to my primary reason for my stay was a competition, I didnt get to select which park I attended. Due to this deceptive information, I incurred {$370.00} in transportation charges that were advertised as complimentary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I woke up this morning and noticed a drop in my credit scores and was shocked because ive been spending the last few months trying to remove all fraudulent activity that started from when i had lost my drivers license. After checking my credit reports i noticed an account that was removed before was added back onto my reports under a different name. The account is XXXX XXXX XXXX, or XXXX XXXX, the amount that shows on the account is {$1100.00} and account number is XXXX.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Experian replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I wired money from a XXXX XXXX account to a Wells Fargo account. 
on XXXX XXXX XXXX XXXX received a message from Wells Fargo asking if the intended beneficiary received the funds and was the wire valid. XXXX XXXX responded the funds were intended for XXXX XXXX XXXX and if the name on the account did not match to please send the money back. 

XXXX XXXX never received a response, but they received another message on XXXX XXXX asking the same thing. XXXX XXXX responded the same way. 

Wells Fargo has never responded to XXXX XXXX. Wells Fargo released the money into an account that did not have XXXX XXXX on it and the account was depleted.