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

So Im submitting it again hopefully for the last time. XXXX and TransUnion been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

I am disputing the reporting debt on my Credit Report. This bill was paid in full and equipment returned to XXXX XXXX all before my ( 15 day cycle ) was complete. I should have received a refund due to me ending my service earlier.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did a cash out on my XXXX XXXX of {$40.00} after their fee it was XXXX I believe to my current account it was supposed to be instantly deposited they didn't get instantly deposited couple days later XXXX XXXX gave me the feedback never received the money in my current account still have not received the money in my current account they say they know nothing of it XXXX XXXX I have stated it was confirmed it was sent it was received Visa confirmed it current does not want to give me my money or do anything about it
Product: Debt collection

Portfolio Recovery Associates repeatedly calls my work using different phone # 's. When I do answer either nothing is said or they are completely rude and arrogant.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2018 Balance {$66000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report, the balance for my Victoria Secret Comenity credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the Victoria Secret Comenity credit card center, my balance is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.
Product: Checking or savings account

After Citi fraudulently stole {$2900.00} and refused to refund me despite my multiple appeals, I filed a CFPB complaint. As retaliation, they closed my account the night of XX/XX/XXXX, the day before XXXX of XXXX weekend. These cowards refused to provide me with the true explanation, but I finally found out it was retaliation through some digging. 

On XX/XX/XXXX, I received a letter that I would receive my funds from the closed account no later than 10 business from the date ( XX/XX/XXXX ). I called on the 8th business day, and was assured I would receive my funds by the XXXX. I did not. I tried to call again today, and it appears the bank has blocked my number and stolen these funds as well ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXX XXXX  {$0.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

Someone had possession of my card without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges. So as soon as I found out on my own I called them immediately. This was two months ago ... They credited my account, but then just rebilled me yesterday for all the fraudulent transactions that had taken place. I am infuriated. What would possess them to do this?? The only thing would be if I made the purchases but I did not. And I refuse to pay for these charges ...
Product: Debt collection

Debt was paid XX/XX/2021 and creditor agreed to remove debt from my report but have since denied they made that agreement and refuses to remove paid account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the customer financial protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continually reinserting the following unknown collection for {$470.00} on my credit file. It keeps popping up on my report for the same amount but under different companies since XXXX with XXXX XXXX XXXX being the most recent : XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfers

JP Morgan Chase Bank will not refresh their wire system in order for XXXX XXXX to receive wires. We have tried to contact them, but to no avail. The Routing and Transit number of the credit union is XXXX. For over a year, they XXXX XXXX XXXX XXXX has been able to receive wires directly, but Chase is the only bank not cooperating. They send them to a non-existent XXXX party financial institution. Please Help..
Product: Credit reporting or other personal consumer reports

Early warning service is reporting false information that affect my life in my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION ABOUT THESE INQUIRIES, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 
XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/2022 I had {$1700.00} taken from my checking, and {$510.00} taken from my savings account from Wells Fargo. I noticed this on the same day it occurred XX/XX/2022 while checking my online banking. Upon further investigation on my, I saw that it was a debit card I had never seen, owned, or ever had in my possession throughout my time with Wells Fargo, and also it was taken out from an ATM in XXXX XXXX XXXXXXXX, while I live in California. That same day I immediately contacted Wells Fargo over the phone to report fraud on both my checking and savings account. I stated to them that this fraudulent card was a card I never owned. My fraud claim for my checking account was denied on XX/XX/2022. 

On XX/XX/2022, I called Wells Fargo to ask why my case was denied. Upon questioning this man, he stated that there might have been a miscommunication or clerical problem in which the person I was originally talking to misinterpreted saying I owned this fraudulent card that took all my money ( when I never even knew this account existed ). Upon hearing this, I was very upset and wanted Wells Fargo to put in a new claim because it was a clerical mistake. When our conversation continued, this man stated that he would just connect this case to the existing case I had with my savings. This did not sound right to me. The next day, I went into a Wells Fargo Branch office in my hometown to discuss the denial. Upon the manger doing some digging, she discovered that a fraudulent bank account was created under my name from New York. She was able to confirm that it was fraudulent as it was created recently. Once we discovered this, she tried talking to the fraud team, but once they were no help, she escalated my issue to the Wells Fargo Enterprise Complaints Management Office. The Wells Fargo manager even told me and I quote what the fraud department did to you seems very unethical. I also asked her about getting all my money back into my savings account which she told me I was lied to. 

As of XX/XX/XXXX, I also reported this case to the police as identify theft/fraud as I had unauthorized access to my bank account. I also received a letter from Wells Fargo that came after my money was stolen dated XX/XX/2022 that stated they were closing an account I had never seen before. This letter even though it was dated XX/XX/XXXX wasnt received by me until XX/XX/XXXX. There is also concrete evidence that I used my credit card from Wells Fargo on the day that the {$2200.00} dollars was taken from my account in my hometown at my local gas station, thus further my claim that I was not me as my money was taken out from an ATM in XXXX XXXX XXXX while I was and live in California. I am a victim of identity theft. I never received any mail or email notifying me that my emails were changed, which I only found out while talking to the complaints management office.
Product: Credit card

I bought furniture from XXXX and at the same time used the XXXX store card with to make the purchase. There was an additional charge for {$1000.00} that they made me pay on a separate credit card. I contacted XXXX ( XXXX party ) warranty company on XX/XX/XXXX and requested cancellation within timeframes for the protection plan {$440.00}. 

Sales Order Number : [ XXXX number printed on your receipt or purchase confirmation ] XXXX Contract ID : [ XXXX Contract ID ] XXXX  Customer Name : [ Name associated with your purchase ] XXXX Be so Purchase Date : [ Initial date of purchase of the furniture ] XX/XX/XXXX Delivery Date : [ Date the furniture was delivered ] XX/XX/XXXX I never received a refund so I sent a few follow up emails and finally on XX/XX/XXXX I was told the warranty was cancelled and refund should be expected but if I had not received it to contact Ashleys XXXX I called XXXX and could not get in touch so I filed the dispute with the credit card company that I made the {$1000.00} payment with since I could not get anyone to help me with my refund at XXXX/Synchrony bank. On XX/XX/XXXX I received an email from XXXX XXXX | Corporate Escalations XXXX XXXX XXXX, XXXX requesting information if I had received a refund on my XXXX account. I responded to her and advised that I cant see them online because there is something wrong with synchronys website it wont let you view the pdf and they charge for paper statements. I asked her to check for the credit and provide a statement but never heard back. 

Today XX/XX/XXXX I received a harassing email from XXXX XXXX XXXX XXXX XXXX Collections XXXX. XXXX Accounts Receivable XXXX telling me I have to pay them {$440.00} over the phone with my checking account or to go into the XXXX store to process a new transaction for that amount to pay back the double credit. 

My furniture was purchased on a XXXX percent interest plan. This was a billing dispute that they were far past deadlines on according to XXXX XXXX I also think it XXXX be an issue with XXXX  to try and get me to charge a new line item on my XXXX  account for a disputed amount for cancellation of warranty that was found in my favor and credited but they messed up and didnt do their due diligence to make sure they didnt over pay. Ashleys should be required to rebill the same XXXX  account for the {$440.00} that they over credited in error. This is their dispute error they are outside timeframes for the initial refund in the first place thats why I had to dispute my self. 

This is causing unfair treatment and harassment by collections for a billing error made by XXXX company. This is a violation of my rights and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of an account that XXXX XXXX XXXX, XXXX is reporting on my credit reports with Experian, TransUnion, and Equifax.

This account is : Past the statute of limitations for collection under Louisiana law. 
Misrepresented as past due, despite being a charged-off account. 
Illegally reported by a company that is only licensed in XXXX, Virginia and not licensed to collect debts in Louisiana, my state of residence. 
I have disputed this account multiple times with XXXX XXXX XXXX and the credit reporting agencies, yet it remains improperly reported as past due. This continual reporting of inaccurate information violates my rights under federal and state law. 

Applicable Legal Violations XXXX. FDCPA Violations ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX, XXXX has committed the following violations of the FDCPA ( 15 U.S.C. 1692 ) : 1692d Harassment or Abuse : Attempting to collect a time-barred debt that is unenforceable in court.

1692e False or Misleading Representations : Falsely representing the account as past due when it has been charged-off.

Misrepresenting their legal authority to collect debts in Louisiana despite lacking the required license.

1692f Unfair or Unconscionable Practices : Continuing collection activities without a Louisiana state license, which is legally required for third-party collectors. 
1692g ( b ) Failure to Validate the Debt : Failing to provide proper validation after receiving multiple dispute requests. 
XXXX. FCRA Violations ( Fair Credit Reporting Act ) Experian, TransUnion, and Equifax have committed FCRA violations ( 15 U.S.C. 1681 ) : 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : Allowing Portfolio Recovery Associates to report the debt as past due despite clear evidence of : The debt being time-barred.

The collectors lack of proper licensing.

1681c ( a ) Reporting Obsolete Information : Open accounts in collection are limited to 7 years from the date of first delinquency.

This account exceeds that reporting window.

1681s-2 ( b ) Duty to Investigate Disputed Information : Failing to properly investigate after receiving my disputes.

3. Louisiana State Law Violations Louisiana Revised Statutes Title 9 : 3562 Debt Collection Licensing : XXXX XXXX XXXX is only licensed in XXXX, VA and is not licensed with the Louisiana Office of Financial Institutions ( OFI ), which is required to legally collect debts from Louisiana residents. 
Louisiana Revised Statutes Title 10 : 3-118 Statute of Limitations for Open Accounts : Louisiana law provides a 3-year statute of limitations for open accounts, including credit card debt.

The time period has expired, rendering this debt unenforceable in court and invalid for collection purposes.

Louisiana Unfair Trade Practices Act ( La. R.S. 51:1401 ) Deceptive Business Practices : Misrepresenting the legal status of a time-barred, charged-off debt while lacking a Louisiana license is a deceptive and unfair trade practice.
Product: Payday loan, title loan, or personal loan

I have been trying to transfer my title to Florida for 4 months and my license plates expired in XXXX. I pay Wells Fargo for a small business loan that they have my vehicle title as collateral for. When I call them, they say they have shut down the small business department and nobody seems to know who to contact. Finally, 3 months after I requested the form, they emailed me and said the DMV has my title. Which they do not. I need help from someone else as I have exhausted all resources to get the title of this vehicle transferred to where it needs to be.
Product: Credit reporting or other personal consumer reports

I opened a checking account with Citibank XX/XX/XXXX deposited four checks into my account they were still dated and I didnt even know that was a thing. All 4 checks went through and cleared, Citibank was paid by XXXX  XXXX XXXX on XXXX. However the system flagged 1 of the checks for {$12.00} as being stale dated so Citibank closed my account froze all my funds and refused to provide me with any information. I have called Citibank probably over 30-40 times only to be told they can not give me any information. The paychecks are from my employer who Ive been employed with for 10 years, Citibank has received the funds from XXXX  XXXX XXXX. Theyve called my employer to verify my employment yet with all this verification they still wont release my funds, and on top of that they have now reported that I committed fraud to the three major credit bureaus so anytime anyone runs my credit. It shows that Ive committed fraud when that is the furthest thing from the truth ever they wont give me any information of who I can call to figure this out to fix this still to this day they have not sent me one single piece of mail email or anything to help me fix the situation or to even tell me whats going on. Ive only found this much information out after hours and hours of begging people on the phone to help me but bottom line. No one has helped me do anything so now Im out all of my money theyve closed my account and now I have fraud on my credit whenever three out of those four paychecks they said are fine but theyre all from the same timeframe. This is ludicrous. Can someone please help me. Citibank is the absolute worst. They dont care about their customers at all and it truly shows. Ive proved my innocence to them time and time again and they dont care. Bit its ok because God always prevails in the end and all I can say is Citibank employees may God have mercy on all of you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.