23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is being sued by TD Bank USA over disputed, unpaid credit card charges to Target XXXX XXXX. TD Bank closed the account and is seeking summary judgment. While the retailer sees the charges as incurred, the fraud is in the processing of payments by Target XXXX XXXX online processing and possibly a software oversight. Target 's fraud unit believes the case closed yet she maintains the position by evidence of Target 's own reporting that online payments using the 3rd party one-time payment function will show as posted by Target but reversed thereafter, in this case up to 7 days. This lag time was exploited and XXXX had purchased and shipped 4 computers to Texas prior to uncovering the scam with the help of the XXXX XXXX TX police. They also discovered a totally separate almost exact incident involving others. The payment accounts ( 2 total ) were tied to XXXX  citizens in California and Florida whose accounts were initially compromised as well. The entire operation folded up completely, all traces of phones and internet presence irretrievable without a XXXX XXXX XXXX or similar. 

This was an elaborate online scheme where XXXX was offered a potential position/job description via email in logistics management of export/import accounts for offshore drilling concerns at XXXXXXXX XXXX XXXX in New Jersey. An entire training and certification regimen of study materials and tests was involved. She was then to be involved in expanding NY operations and asked to make computer purchases on her account to avoid IT tariffs for the XXXX  company whose address was validly theirs in XXXX. 
To prove they were legitimate, the company provided an account number to pay off her existing Target XXXX balance which worked flawlessly on XX/XX/29 but their payment was then reversed some 7 days later on XXXX by Target citing insufficient funds. That lag proved critical and XXXX shows in attachments how even Target 's own reporting shows different payment posting dates. But by that time XXXX had purchased and shipped 4 computers, thought to be intercepted by " porch pirates '' using TX delivery addresses as points to intercept the shipments. 
She tried to reason with Target but they summarily closed the case fast in their Fraud department, taking the position charges made/charges due without much of any reply. Further their representatives were particularly rude to an XXXX XXXX XXXX grandmother. She could not gain the actual signatures for receipt from XXXX. XXXX XXXX refused to locate or lock the systems despite providing serial numbers and was uncooperative. Only XXXX XXXX, TX provided help with some assistance from her hometown police. 
An entire timeline is attached along with supporting documents showing these discrepancies and a trove of additional documentation is available.
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 Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX  XXXX XXXX BALANCED {$4200.00} XXXX XXXX  XXXX BALANCED {$12000.00} XXXX XXXX  XXXX BALANCED {$750.00} XXXX  XXXX XXXX BALANCED {$3200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX, we applied online for a 3-month home mortgage " assistance/suspension '' ( forbearance ) from Wells Fargo Bank under Covid-19/CARES Act. 

Wells Fargo Bank 's website said it " won't report a past-due status for this account to the consumer reporting agencies. '' Our credit report shows that Wells Fargo improperly reported to credit agencies that we were in 3-month forbearance ( " XXXX XXXX account, account in forbearance conventional real estate loan student loan deferred XX/XX/XXXX '' ), when they should only have reported that we were " current '' ( section 4021 of the CARES Act ). 

This " forbearance '' notation in our credit report kept us from refinancing the mortgage with a particular refinance company at a rare 2.99 % /no points/no closing costs. 

We have since asked Wells Fargo to remove the forbearance notation and we have paid the XX/XX/XXXX payment on XX/XX/XXXX and are now current, and intend to pay the XX/XX/XXXX payment and all future payments on time. 

Wells Fargo told us XX/XX/XXXX, that they would " look into this '' and would work on removing this from our credit reports, but that it would be our job to follow up with all four credit agencies ( XXXX, XXXX, XXXX, and XXXX ) to confirm it was removed. That process could take some time, during which we can't refinance and rates may go up. 

I am filing a complaint to ensure this does not happen to countless other unsuspecting customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Name are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Money transfer, virtual currency, or money service

I owned a PayPal account and my account was suspended around XX/XX/year>. And its stated that I will be able to withdraw my remaining funds after XXXX  days.. I have {$2600.00} in my account and now its almost XXXX  days as stated by them but unfortunately when I logged in to my account PayPal have deducted all my {$2600.00} they stole my money. I dont understand why they will do such illegal act. Please Im contacting you to help me recover my money they stole and transfer it to themselves behind me.. here are the notes in my PayPal account i attached the screenshot of it please this people are thief I want my money back AND THEY REPLIED ME THAT MY FUND WAS DEBITED TO OFFSET IF MY ACCOUNT HAVE NEGATIVE BALANCE AND I CAN SWEAR IT THAT I HAVE NO NEGATIVE ACCOUNT SO I WANT THEM TO PROVIDE EVIDENCE THAT I HAVE NEGATIVE BALANCE. I only have XXXX accounts XXXX which you have suspended with XXXX balance before and this one you just charged {$2600.00} and claimed that I have negative balance in XXXX of my account please provide proof of your claim because Im very certain I have no negative balance please return my money.. if not I will charge this case to court and involve my lawyer and Im sure you know what this will cost you guys.. the matter will include what you have been using your company to scam people and now I fall victim
Product: Debt collection

A tax levy filed by state of California was taken out twice from my personal account. The bank had paid the first notice on the last day it was due, which retired the debt fully. When a second notice was sent by the state as a reminder, with an additional months interest, PNC bank treated it as a second levy and also paid that notice out of my personal account. The bank would not cancel the patment despite acknowledging the first payment PNC submitted was the sole payment requested. I have requested a refund from California state tax authority, but my funds have not be free to pay down PNC credit card, do PNC will earn interest invome due to its incompetence.
Product: Credit card

My issue is with capital one gm flexible Earnings card. Everytime I call and make a payment on the automated system and its time for them to provide me with a confirmation number, the automated system " conviently cuts out, '' and I 'm not able to hear XXXX of the numbers /letters. At first when this occurred I honestly believed it was a system error but this has happened EVERY single time for months. I 'm starting to feel like this intentional on the credit card companies part nc there 's no way it could happen 10 consecutive months in a row. Its almost like they do n't want you to have the correct confirmation number so if something goes wrong you wont have proof you made a payment. I 'm usually an optimistic person but this has happens way to many months in a row for it be a system error everytime. Makes you wonder ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not provide me with the original application or contract bearing my signature like I asked. This company are violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company have also, no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Therefore, this company is unlawfully reporting this debt under my name to the credit reporting agencies, and must be removed. I am on active military duty status. I have rights under 15 U.S.C 1681. Transunion is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Transunion written permission to furnish these accounts 1.account : XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amounts : {$7000.00} 2. Account : XXXX date : XX/XX/XXXX Amounts : {$620.00} 3. Account : XXXX XXXX  Date:XXXX Amounts : {$890.00} 4. Account : XXXX XXXX XXXX XXXX Date:XXXX Amounts : {$240.00} 5. Account : XXXX XXXX XXXX Date : XX/XX/XXXX Amounts : {$510.00} 6. Account : XXXX  Date of inquiry : XX/XX/XXXX 7. Account : XXXX Date of inquiry:XXXX 8. Account : XXXX XXXX Date of inquiry : XX/XX/XXXX 9. Account : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Account : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX XXXX date of inquiry : XX/XX/XXXX XXXX. Account : XXXXXXXX XXXX date of XXXX 13. Account : XXXX  XXXX Date of inquiry:XXXX  14. Account : XXXX XXXX  Date of inquiry:XXXX 15. Account : XXXX Date of inquiry : XX/XX/XXXX XXXX. Account : XXXX XXXX Date of inquiry : XX/XX/XXXX 17. Account : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX refunded my cash app {$230.00} for a order I didnt receive. On my refunded receipt it clearly stated dont worry about returning the item. On XX/XX/XXXX cash app allowed XXXX to debit my account and put it in a negative status. I attached the receipt from XXXX to cash app showing what XXXX stated dont worrying about returning the item. My account with cash app is still In the negative.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting

I have service with info armor and Transunion has not accurately reported or corrected the information they have been providing XXXX. XXXX has stated they have been going back and forth with Transunion as well to no resolve. In XXXX 2016 credit score was XXXX and now its XXXX - I have no idea what the credit reporting agency has done behind the scenes within a month to in accurately reflect a score of XXXX. I am trying to purchase a car and this is effecting my loan qualifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple Card says that I have a balance of XXXX when its XXXX and XXXX XXXX and XXXX  is paid off so XXXX $ due. I have XXXX $ on my XXXX XXXX credit card left till XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS FAILED comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n.THIS IS A VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time.

FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA . 


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: Credit reporting

XXXX reported an unpaid bill several times with several account numbers on my credit report. The bill had been paid. I have spoke with their credit department several times. They apologized and agreed to remove all accounts and delete the information. XXXX has removed it, XXXX has removed it, Experian is still failing to remove it. I do not know if this issue is with experian or XXXX, but experian denied my dispute with them.
Product: Debt collection

XXXX just sold my account to a collection ( Afni ) and I have been make payments XXXX. Since afni have gotten the account they have been calling me several times a day even after I told them to cease calling me. They have been attempt to force me to set up payment arrangements with the. And I have told them I will not pay them bc XXXX is the company I have the contract with.
Product: Vehicle loan or lease

Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.
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. Please delete these items from my accounts as soon as possible. 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 XXXXXXXX, XXXX XXXX XXXXXXXX, Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX telling me to make my XXXX XXXX payment to them at a new PO Box number in XXXX, Tx. I mailed it to that box number, and, according to the photo I have of my canceled check under the Dovenmuehl number, they deposited it in their account at XXXX XXXX XXXX under XXXX on XX/XX/XXXX. 
When I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke to XXXX, he looked up my new loan number, and told me I should pay my XXXX payment to Dovenmuehl, their former servicer, and the XXXX payment would go where it needed to be, but he could not say where or when that might be, or even whether they had a record of it. They dont have the Dovenmuehl number on their system. 
Then I spoke to Dovenmuehl at XXXX. They say they do not have my XXXX payment, and I have to send it to them ( again ). 
So no one has a record of my payment, even though I have the the date and the account number where it was deposited.
Product: Mortgage

i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though
Product: Money transfer, virtual currency, or money service

Several transactions were taken from my acct before Cash app reached out to me. They then blocked my card reissued me a new card but never recovered funds taken before they reached out to me each transaction was XXXX each after the 5th time of someone doing it cash app contacted me via text message
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.
Product: Credit card or prepaid card

My credit card is enrolled in automatic payment plan with the creditor to draft the balance and pay the account in full each cycle. In XX/XX/XXXX the balance was {$580.00} and was paid in full via auto draft by the creditor. In XX/XX/XXXX, although there had been no new charges, the creditor charge me interest as if the balance had not been paid and drafted another payment of {$9.00}. On XX/XX/XXXX I called the creditor to address my concern and they refused to correct the matter.