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

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

there is a debt showing on my credit report for XXXX from a company i have no knowledge of and have no written or call consent for that charge
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX th I transferred {$30000.00} from my Bank of America account towards purchasing an apartment in XXXX, XXXX I did verify the bank account that I was transferring the money by doing a small test transfer amount the day before and it was successfully transferred. 
However the money that I transferred on XXXX XXXX XXXX has not been received by the beneficiary till date and Bank Of America does not answer my phone calls. 
I received a conformation from Bank Of America saying that the beneficiary got the money which is not true and after multiple calls by me, now Bank of America accepts that the money has not reached the beneficiary and they want additional information from me but no one has contacted me till date what information they need and they keep telling me that my case will be assigned to a case worker in due course .My money has left my account 10 days ago and I have no clue where it is. 
Below is the confirmation message I got from Bank of America XXXX # : XXXX Amount : {$30000.00} ( XXXX INR ) To : XXXX XXXX Fee : XXXX Rate : XXXX USD = XXXX INR Send on Date : XX/XX/2023 Service : International Wire Transfer
Product: Credit reporting or other personal consumer reports

i found a bunch of inquiries on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

This is in response to CFPB complaint XXXX. You indicated you located this information online via XXXX  using my name and social security number that is why the information is on my credit report hence the reason why I am trying to dispute it.

Attached you will find communication from U.S. Bankruptcy Court XXXX XXXX XXXX. 
You will also find communication from XXXX advising that they have located this erroneous public record and remove it from my consumer file. Following that, a dispute was initiated with XXXX to which they have also located and removed it from their consumer files. 

The address associated with the bankruptcy does not belong to me and is not listed on any of my credit reports. Moreover, my identity was stolen in the past and I will provide a copy of the FTC report as well. This collusion to keep an erroneous public record on my consumer file, despite documented evidence, is not only a violation of the FCRA but malicious and financially injurious in nature.
Product: Mortgage

RE : Loan # : XXXX Name : XXXX XXXX SS # : XXXX To Whom It May Concern, I am writing this because I am so upset with the situation involving Wells Fargo and XXXX XXXX and the refinance issues with my mortgage. We have also filed a complaint with the AG and XXXX. 

We paid {$11000.00} PMI upfront when we originated our loan in XXXX. I called our lender Wells Fargo to inquire numerous times, about when the unused PMI would be refunded. Calls date back to XX/XX/XXXX. We were told after the refinance was complete and the loan closed out then the unused PMI estimated at {$9600.00} would be refunded to us. 
Our refinance was complete XX/XX/XXXX and today, XX/XX/XXXX we receive the information from Wells Fargo that we are NOT ELIGIBLE for a REFUND! We are owed {$9600.00}! Not one representative along the way mentioned one word about the possibility of not being eligible. Today is the first news of this!! 

I am requesting all calls that were recorded, per the disclaimer given at the beginning of every conversation, be pulled and listened to. I also request a look back at all notes with the Wells Fargo representatives back in XXXX up until XX/XX/XXXX be reviewed for any mention of ELIGIBILITY. You will find that there is none of the recordings or noted conversation of such involve their Representatives informing us of the possibility of not being refunded, but you will find that I called and inquired MULTIPLE times about our PMI refund. 

Today I held on the phone over an HOUR to be told that because we REFINANCED vs. Closing the Loan is the reason we are not eligible for refund. Our LOAN was paid off in order to REFINANCE. 

We spoke to NUMEROUS WELLS FARGO REPRESENTATIVES who also spoke to MULTIPLE PMI Specialists at XXXX XXXX with NO ZERO NADA mention of even the possibility of NOT getting the unused PMI back. Never ever disclosed. 

We are not just going to let {$9600.00} just blow away. This is UNACCEPTABLE. Next steps are legal actions. 

If at any point someone would have mentioned us POSSIBLY not getting the PMI back I would NEVER had refinanced. 

I would like a call back XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Stanislaus Credit Control {$330.00} XX/XX/XXXX {$76.00} {$56.00} XXXX XXXX XX/XX/XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and XXXX needs to delete this off my credit as it is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting incorrect addresses and charged off collections that say paid off from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
TransUnion : Charged off collections paid off from XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX charged off XXXX XXXX charged off and cease and decease letters to XXXX XXXX XXXX and XXXX XXXX XXXX all of the following items are producing painful experiences on my consumer credit. Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three ( 3 ) years I have been disputing with Experian about my credit report. I have pointed out the the inaccurate information they are reporting and asked to update the information or delete it and they continue to report it as " verified ''. My credit report is missing data on an account, re-aging of dates, and have an address listed that i have never lived there. Experian have violated the Fair credit reporting act ( FCRA ) section 1681i. I'm asking you to investigate this matter.
Product: Credit card or prepaid card

There were undescribed charges on my account for a XXXX, XXXX, for XXXX that was taking out of my account not monthly, it was taken out whenever sometimes 3 or 2 times a month. The bank doesn't even know what company it was. I made a dispute with the charge with the bank but they right away denied it not even looking into the charge or the company. I looked up the company myself and the XXXX   have the company down as a possible fraudulent credit reporting agency with many problems. I tried to get in touch with the company but they keep saying the issue is going to get corrected but they never did, as a matter-of-fact, they can't even find my subscription. I even tried to log in to my supposed subscription and couldn't log in, it keeps giving me an error on my email address and I tried both of my emails. The American Express Serve customer service done the dispute but within 5 days they denied it. They did replace my debit card like that was going to refund my money back. The XXXX fraud company supposed to be monthly subscription but the was taking out more than once a month. They keep telling me to contact the company but it's not possible to get anything done with the company because it's a fraud, so they say they will fix the problem but don't. The XXXX was stating that this company has many different names as well. No email was ever sent about the drafts at all! 
Charges dates and amounts from start of the first draft. 
XX/XX/2019XXXXXX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my EQUIFAX credit report as I see an unauthorized hard enquiry with the name " XXXX '' on XX/XX/year>. This hard enquiry needs to be removed
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance {$5300.00}.
Product: Debt collection

MCM is garnishing my wages for a debt from XXXX and charging me {$1900.00} when the original debt was at the most {$500.00}. This amount isn't on my credit report and a judge never signed the order only a XXXX city clerk. They also took my Michigan tax return in XXXX and haven't taken it off this amount but keep adding interest and refusing to work with me to get a resolution. The judgment was from XXXX and they never notified me of any court proceeding as the address they claim I was sued at I didn't reside at at that period of time. They also claim they were unable to locate me but my address has been my parents for years on documents and they've owned their house since XXXX. I have also had other jobs and they didn't attempt to garnish yet they continue to compound interest daily and now are trying to collect at XXXX percent of my earnings making it impossible to pay my regular bills as I work as a cashier. According to state law my understanding is that this violates state law especially during Covid and I would like help getting this resolved. They have several bad reviews and a pending lawsuit for this same thing and won't do a reasonable payment plan.
Product: Debt collection

my thought process at the time was that the bill would go to collections and I would have time to take care of the bill when I can actually afford it ). the bill was sent to collections ( XX/XX/15 ) I was called multiple times but since I could not afford it I never answered. I was called a year later ( don't know the specific date ) from a debt collector asking to receive payment ( at that time I had a part-time job and was willing to work with them on a payment plan to pay the bill ). I asked for proof of the bill since it was the first of me hearing that I had a bill under that company. I wanted to be sure that the bill wasn't sold off to another company ( since they didn't contact me for about a year ) so that I could avoid paying two separate bills from two different collection agencies. The caller then proceeded to forcefully ask me to pay for the bill without providing me proof that the bill came from the company handling my doctor 's bill. He then hung up and never received any other notice from that collector 's agency to this date.
Product: Money transfer, virtual currency, or money service

I was scammed back in XXXX. I was new to Zelle and I was not given a warning to sending money to people outside of my contacts. They would not refund my money back. I will find the documents and dates for this I will just have to try to go back on the app.
Product: Credit card or prepaid card

In XX/XX/2023, Credit Karma and XXXX invited me to apply for a XXXX XXXX  also XXXX XXXXXXXX XXXX XXXX card with excellent approval odds. I proceeded to use it on XX/XX/XXXX, XXXX XX/XX/2023, to be denied the credit! At the time Credit Karma is offering a {$50.00} convenience fee for applying if the application results in denial. I have not received either payment for either application. Credit Karma is also reporting invalid contact information for myself as well, which has been updated several times. Please inform the credit bureau to use updated contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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. 
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
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have
Product: Debt collection

XXXX claims that I had an account with them and owe {$530.00}. Ive never had an account with this company but unfortunately they ruined my credit with the negative amount. They didnt try to verify and validate the information.
Product: Credit reporting

The is an employer placed on my report on XX/XX/2017 which i do not work for
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a part of the Equifax data breach so i decided to monitor my credit reports closely, because things were appearing in my credit files out of nowhere and i couldn't figure out why. 

Recently i received an updated copy of my Equifax credit report file and noticed multiple unauthorized inquiries i did not give permissible purpose for Equifax or any one else to obtain a copy of my credit file, i did not apply for loans or any credit cards. I called and spoke with multiple people and was told i couldn't dispute although i was part of the XXXX XXXX and my personal information was stolen. 

there were unauthorized inquiries made on XX/XX/2021 from XXXX XXXXXXXX XX/XX/2021 from XXXX XX/XX/2021 from XXXX XX/XX/2021 from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan that was placed 30 late in error. The company retracted and told me it would correct the mistaken 30 late notice error reporting to the credit agency. I have not seen a change. 

I called in with an attempt to pay on the above account and was told to wait, someone would contact me if the payment did not go through. 

When I called back, the payment had not processed so I paid within the grace period. 
Why did I then get a late derogatory notice sent to the credit bureaus? 
I received erroneous payment detail for customer service, representative error This is my email " Good morning, I would like to formally contest the 30-day late item posted to my credit report. 

I called in several times about this payment being applied to my account and rejecting although funds were in the account. I have never had this problem before with XXXX. I called customer service to get more answers. The first person I spoke to told me that the funds did post. I was relieved. But I received another email saying that the funds were rejected. Confused, I was told to wait and call back at a certain date and time for more answers. The day I did call back, I was told that you were still having problems with this account so I paid the entire past due on a debit card. I was ensured that no credit bureau notice would incur if I paid that day. 
If you look at my entire credit account in each credit bureau, I have never had a late payment for the entire history of all my accounts, I take this seriously. 
Please give me a one time grace and reverse the late reporting on this particular account. I have attached a pic of the credit report. 

Thank you in advance. 

XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a title loan XX/XX/XXXX. I paid on it for about a yr {$200.00} biweekly, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX, XXXX XXXX Way XXXX, XXXX XXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You