23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I listed a XXXX XXXX XXXX for sale on XXXX. I was contacted by a man named XXXX XXXX expressing interest in purchasing the car. He reached out via text from a XXXX email ( XXXX ). We agreed on an amount of {$7000.00}, and he would pay with a check coming from his retirement account. He said he was out of state at the moment and would mail the check to me. Since he was out of state, he said he would arrange a mover to pick the car up from me and would include the moving cost with the payment for the car. This brought the check to a total of {$10000.00}. 

The check arrived on Monday the XXXX in an overnight XXXX  package ( tracking number : XXXX ), and I made a mobile deposit at Capital One into my checking account that same day. Prior to depositing, I checked all of the security markers on it and blacklighted it. Everything checked out. A hold was placed on the check but was released on the XXXX and XXXX, making all the funds available. He informed me the next day that due to a personal issue, he could no longer purchase the car and requested the funds to be returned. I sent {$4000.00} of the funds in increments of {$1000.00} to through my XXXX account via my XXXX bank account due to a daily limit on my Capital One account. The email he provided for the XXXX was XXXX and the recipient name that came up was XXXX XXXX XXXX. The rest was sent in XXXX XXXX through my Capital One checking account to email XXXX. 

On Tuesday the XXXX, days after the bank cleared the check, I checked my account online and saw the check had bounced, and now my account is overdrafted by {$8000.00}. Ive reached out to XXXX with no response. I contacted XXXX ( claim # : XXXX ), XXXX XXXX, and Capital One ( claim # : XXXX ), but all denied my claim. I additionally filed a claim directly with XXXX and am still awaiting a response, as well as an FTC report ( report # : XXXX ). I will be submitting a CFPB report as well. I still have the check and the envelope it was mailed in. The envelope also contained a phone number : XXXX. 

I was only comfortable with sending the funds back due to the security markers of the check being all present in combination with the bank releasing the funds. Ive worked for a bank in the past and know legally a bank can hold a check for up to seven business days. I dont normally make check deposits, especially for this amount. I believe if the bank wasnt able to verify the funds prior to release, the hold shouldve been extended to ensure the legitimacy of the funds. The day after I made the deposit, I called Capital One to see if they were able to verify directly with the other bank to release the funds earlier but was informed they needed to go through their full process. 

I wouldnt have made this transaction if I wasnt under the impression that the funds were good, and I should not be held responsible for a fraudster taking advantage of me. I want to recover my funds, as due to the amount of overdraft, I cant pay my bills. Lastly I filed a police report with my local authorities, XXXX XXXX report number : XXXX.
Product: Credit reporting or other personal consumer reports

Somehow credit does not change with payment history paying bills correctly has no affect on score in fact it has been lowering it. It make no sense its with Eqifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

See atttached but Wells Fargo is not updating or showing an active credit card on my XXXX credit report, this account shows for XXXX and XXXX only
Product: Credit reporting or other personal consumer reports

I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.
Product: Credit reporting or other personal consumer reports

My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated or corrected these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Some people posing as " Pay Pal '' have been emailing and calling me stating that I owe {$500.00} for XXXX XXXX. I haven't used my PayPal in over a year and I have never used XXXX XXXX. This is a total and complete scam. I do have the emails and one voice mail. This is fraud and harassment. 

Their number is : XXXX
Product: Money transfer, virtual currency, or money service

I have unauthorized activity on my Pay Pal account on XX/XX/19 I submitted a claim with PayPal, the claim was declined. I decided to close my account spent one hour on hold and was informed my account could not be closed, my call was transfer to another department after 30 minutes on hold the call drop. I tried a second time with the same results 40 minutes on hold, then transferred an d call drop after another 30 minutes. Pay pal has access to my bank account and all unauthorized transaction get debited directly form my bank account.
Product: Credit card

This is in response to a denial of credit letter that was sent to me dated XX/XX/2024. 
I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 ).

I demand access to my credit immediately, with an open-ended credit pursuant to 15 USC 1602 ( J ). If you do not perform your fiduciary duty and follow the Action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my account. Please keep in mind, fraud has no statute of limitations and I will seek all remedies to the fullest extent of the law. We need not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

This are the items showing on my credit report that are not belong to me.Im doing this complain to clear fraudulent accounts on my credit report. 

XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00}
Product: Mortgage

XXXX AKA XXXX charged me a {$47.00} late fee. They dragged their feet for over 2 months answering a question about my payments, and completely botched my escrow payment and subsequent re-calculation of my mortgage payment. I contacted them on XX/XX/2020. They replied to me on XX/XX/2020. I paid an escrow payment of {$1600.00} on XX/XX/2020, which should have re-calculated my mortgage payment for XX/XX/2020, but they dragged their feet. The reason why the mortgage payment increased in the first place was because of the escrow shortage, which I paid before the late fee deadline, but AIMLoan late fee charged me anyway. The only thing they are good at is dropping phone calls after I spent hours on the phone with them, and charging people late payments. 
I lost way too much time here, and I demand my {$47.00} back, and a written apology for taking more than 2 months to acknowledge my existence, and wasting my time on dropped phone calls with customer service. 
Instead of rewarding me for always paying on time from day 1, before and during Covid, they charge me with a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}
Product: Checking or savings account

I received 6 debit cards linked to 6 different Charles Schwab bank high yield investor checking accounts. I never opened any such accounts, in fact, I have no accounts with charles schwab. I called the company and they have put a fraud alert on the accounts but they recommended that reach out to this agency. 
The rep was unable to give any details, not the date account was opened or the contact details used for the transaction. 
I recently unfroze by credit about 3 weeks ago.
Product: Debt collection

I tried Disputing over 3 times ... Account came back Verified But Nothing Else!! No Agreement or Contract that I Agreed too. No Signature or Anything!!!! Im Asking to Please Delete Immediately!!!! This Collection is Messing up my Credit Badly ... I thought they had to Prove to me which they Have Not Done so what so ever.. Please Delete they have Yet to send in Any Paperwork just Verified
Product: Debt collection

Hello, I am writing about two new items that have been added to my credit report by Commonwealth Financial Systems. There are two items that they have added to my credit report 1st- {$170.00} and 2nd {$600.00}. I contacted the credit reporting agencies and they have advised that this is valid. Which is ridiculous - as the representative could not even tell me which hospital this is for. 

I called and spoke with their office on XX/XX/XXXX I spoke with XXXX XXXXXXXX @ commonwealth. I asked for some proof that this is infact my debt he was unable to provide me with the basic information necessary. He told me, " to think about possible hospitals I have visited in XXXX. '' How is this possible? 

I then contacted the credit agencies to advise and they are telling me this is a valid debt. How is this possible? They can't even confirm the original creditor? or hospital? Please help me. 

thank you, XXXX
Product: Debt collection

This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have XXXX times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address
Product: Mortgage

I have been communicating with Bank of America since XX/XX/XXXX regarding a temporary financial hardship. My mother was ill and then died, leaving me with paying her bills until I could sell her house. XXXX XXXX delayed things further. All this time I had been communicating with Bank of America via written correspondence and providing whatever documentation they needed. In spite of this, they began foreclosure proceedings. My estate attorney permitted me to do a partial distribution of the estate funds on or about XX/XX/XXXX. I sent Bank of America a payment of {$7200.00} " to catch up '' on missed payments. They returned the check to me. The foreclosure proceedings continued and a date was set. On XX/XX/XXXX I sent a cashier 's check for {$13000.00} and that also was returned because " the amount was not correct '' even though I had VERIFIED by phone the amount with a Bank of America employee. At this point I have to wait for the cashier 's check to be returned to get ANOTHER cashier 's check. My foreclosure date is XX/XX/XXXX. All of this back and forth " cat and mouse '' game is going to cause me to become HOMELESS! Plus, I am working TWO jobs. So having to leave work to get a cashier 's check and then also to go to a XXXX XXXX sending point to mail the payment overnight is causing me to lose time from work! All of this XXXX is causing me to become XXXX XXXX!
Product: Credit reporting or other personal consumer reports

Actions taken were reached out to Dell Finacial services to have them update correct balance put in multiple disputes with XXXX XXXX and XXXX. Corrected at XXXX and XXXX. XXXX has refused to update correct data
Product: Credit reporting or other personal consumer reports

I found hard inquiries on my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided all three bureaus ( Experian, XXXX, and XXXX ) with my current and most up to date information, I even provided proof of identification ensuring that it is I requesting this incorrect information to be removed immediately from their reports. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days they are entitled to remove all incorrect information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, Transunion, and especially XXXX. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : XXXX : 1. XXXX XXXX XXXX XXXX -No Information provided original letter attached and ignored response {$100.00} 2.  XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - XXXX  claims to have verified this from XXXX XXXX but my XXXX XXXX account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


Transunion 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires from several different companies that i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

transunion These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNT! AS PER THE GUIDANCE FEOM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX WHICH FALLS UNDER TRAFFICKING ACCORDING TO XXXX ACCORDING TO XXXX  DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM MY CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$0.00}, XXXX XXXX  XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}