23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my fourth 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 an 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 XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to conduct a proper investigation in order to correct the following erroneous information being reported on my XXXX XXXX. I have read that the Credit Bureaus are required to required to validate these accounts in line with the FCAR section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have been sending letters to addressed to the Credit Bureaus requesting that they conduct proper investigation and correct any erroneous reporting they can find. But despite all my efforts to correct my Credit Report, the Credit Bureaus seem to find entertainment in seeing a consumer struggling with their Credit Reports. I am now submitting this complaint requesting another investigation to be properly conducted this time and correct all erroneous reporting on my XXXX XXXX. Specifically, I need the following account corrected now : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery place a collection account from XXXX on my credit report I put in a dispute with XXXX  and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.
Product: Money transfer, virtual currency, or money service

I spent several my citi credit cards to purchase some jade jewelry since last XXXX. Then, early XXXX this year, I sent some my jade jewelry to XXXX XXXX lab office in New York which is XXXX of the best gem lab in the world. Their reports showed all my jade jewelry are faked and dyed with color. 
So I contacted with the seller in XXXX. The seller promised to exchange them. Then I shipped them back. However, I have been waiting for several months for the exchangXXXX. Since XXXX is under the lockdown. The seller doesn't keep her promise to ship back the exchange. I get quite bit loss. 
I planned to dispute my credit card through citi and they don't deal with the deal over 4 months. I feel very frustrated and disappointed.
Product: Consumer Loan

I have a loan with Well Fargo Bank.. my car was repossessed on Tuesday XX/XX/2017 I totally understand that I was behind in my payment and my payment history was not the greatest. But I have the money to pay the back payments and they refused to take it and suggested I pay XXXX then I can get the car back ... I want my car ... I called everyone and they had me on hold for a total of 4 hour within three days and they said they can not reverse it,,, I know I made a mistake but I need my car and I have the means to pay and continue to pay. 
Please help me,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO XXXX XXXX XXXXXXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

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 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I have a credit card balance I do not owe and its still open and hurting my credit score Balance is XXXX the date open was XXXX XXXX  Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 1692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Product: Debt collection

Please take care of this matter on your end. I do not owe this debt to anyone. I've notified the company and voiced my concerns. 
The shows the amount of {$690.00} is in question. I had contacted the company in question and explained my position in the matter. Please stop contacting me and handle this on your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/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. I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

XXXX XXXX - Went to Wells Fargo on XXXX XXXX, XXXX XXXX to do a cash advance / money transfer from my international card ( which was loaded with {$6500.00} directly into my Wells Fargo account ). The teller did not know how to do the transaction and essentially messed up the transaction ; she inserted the incorrect address and also did not know how to process a visa. She was eventually assisted by a service manager, but by then the transaction had already been messed up. 
This same transaction had been done twice before, successfully, by 2 other tellers in the same branch. In the process, my money was taken but he bank from my international card to Wells Fargo.

My bank has proof that the transaction went through, that the money was taken from my card and is with Wells Fargo. The money should have cleared immediately, alternatively by XXXX XXXX. IT DID NOT! 
I have lodged a complaint with the Escalated Resolution Office on XXXX XXXX. I am yet to hear back from them when my money will be returned. Complaint Ref : XXXX. 
This is a huge problem for me as I can not continue with my travel plans until I get my money back. 

Information from my bank in XXXX XXXX is as follows : Cash withdrawal of USD XXXX XXXX was debited by Wells Fargo on the XX/XX/year>, now pending settlement with the merchants bank hence the transaction is not reflecting on Money App under transaction listing. 

XXXX DATE POST DATE CUR AMOUNT DESCRIPTION XX/XX/year> XX/XX/year> USD XXXX WELLS FARGO XXXX # XXXX XX/XX/year> XX/XX/year> USD XXXX FUNDS LOADED ONTO CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX Balance {$20000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$330.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$4.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$540.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$930.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$6400.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Date opened XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX  ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX  ACCT : XXXX AMT :  {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX  ACCT : XXXX AMT : {$700.00} XXXX XXXX  XXXX  ACCT : XXXX XXXX : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX XXXX  XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection that does not belong to me appeared on my equifax report. This has happened in the past and I would submit a dispute, Problem would be solved. 
However this time, I attempt to submit a dispute and I continue to receive a message stating my information does not match and they are unable to process my request and to try again later. 
I have never had an issue before submitting a dispute and none of my identity verification information has changed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I ask XXXX XXXX XXXX why was there XXXX hard inquiries on my credit report. There answers to my question was they only did one hard inquirie on XX/XX/year> and they dont see where XXXX was done on XX/XX/year> I explained that to TransUnion and also dispute it and it is still showing on my credit report. 

I am asking for a full investigation into this and please let me know your findings
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my 3 student loans ( XXXX XXXX ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
Product: Credit card or prepaid card

I was notified that my account was paid off and as a result closed the account. The company also said they received two payments and sent me one as a credit. They then found out they were in the wrong, threatened me multiple times, and then said the account would stay closed but I had to pay off the {$900.00}. I found out today synchrony bank/care credit reopened my account and are charging a late fee. XXXX was notified and sent the charge through and then reversed the charge after I was told that it was handled correctly, and closed the account. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen.
Product: Money transfer, virtual currency, or money service

So I had {$850.00} in my cash app account when I woke up there was a balance of - {$60.00} {$60.00} in my account but it was - {$60.00}. I reached out to cash app on multiple occasions they had a live agent which was actually a robot they kept repeating the same thing were unable to handle this situation. You have to put the money on your cash app account, but the money was already there someone remove the money from my Cash app. There was no one XXXX number at the time there was no opportunity for me to speak to an actual person in reference to the situation. I have not been able to use my cash app recently someone just sent an additional {$20.00} to my cash app which may be the - {$40.00}.
Product: Credit reporting or other personal consumer reports

I have had Experian membership services for several years and since XX/XX/2024, I have been unable to access my XXXX credit report scores from each of the XXXX bureaus. I have only been able to get XXXX credit report score from Experian and not others as of XX/XX/2024. I just canceled the service today, but I want to get all three of my credit bureau scores to accurately assess my score. When I try to refresh scores, I get a general error message stating that there is an issue with verifying my information with XXXX. They don't give details when I call, so I assumed it was my address. I updated my address with all three credit bureaus to my home address in XX/XX/XXXXbut any of the credit bureaus don't give me any type of reason for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thought I already paid it off
Product: Money transfer, virtual currency, or money service

I have an old account with CashApp. I no longer have access to that account. I have contacted them to gain access to the account or to have the funds transfered from the account and they will not grant me access to the account or money. 

I have been able to successly provide them with all of the security clearnce requirements ( full name, account email, account name, my SSN, old credit card numbers and addresses ). 

CashApp is stating that they will not give me access or be able to provide any further assistance.
Product: Debt collection

For the past few months, a number claiming to be Ally Financial has called me non-stop, several times a day. I tried to block them and silence unknown calls, but then I received a text from my cousin claiming that her and her parents were receiving them as well. Whats interesting, is when calling them, the collectors claimed to be for medical debts ( despite that if you tried calling them back, the automated message is for Ally Financial ).

While telling a neighbor about it, she received a call from them as well, asking for me. My neighbor was not in my contacts list at the time.

The next day, three more family members called to let me know the same thing was happening to them. 
When I called Allys customer service line, they neither confirmed nor deny their connections to the collectors, only that they were sorry.

Several days ago, after a phone call with the CFPB, I answered one of the phone calls and asked for a professional license number. The man I spoke to ( XXXX ) claimed that they were outsourced from XXXX and the best he could give me was a VID (? ) XXXX and that the number to call him back on was XXXX. 

After that, there were several times I answered and instantly asked How are you getting my familys numbers? Only for the caller to hang up on me. 

This morning, I let them speak for a moment before asking the same question. They denied, saying my number was the only one they had on file, and I told them I have angry family members who say otherwise. I told them I wasnt sure how things worked in XXXX, but in XXXX, this behavior is classified as harassment. Interestingly, the caller claimed they were not in XXXX, though I did not let him speak long enough to find out more information. 

The numbers theyve been calling on are XXXX as well as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shortly after my twins were born in XX/XX/2018, I took them to XXXX XXXX for a XXXX  appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to XXXX XXXX, who reported 2 claims for {$450.00} to XXXX  ( there was only ever 1 claim ). I disputed these claims with XXXX  and they were removed. Once removed from XXXX, XXXX XXXX then reported 2 claims for {$450.00} ( again only ever 1 claim ) to Experian. I disputed the claims with Experian. Experian has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally demand the immediate removal of incorrect items from my credit report and to seek compensation for the emotional distress caused by your failure to uphold your promises and the subsequent negative impact on my life. 

As per our previous communications, you agreed to delete certain items from my credit report. Specifically, the items related to " XXXX XXXX XXXX '' and both " XXXX XXXX XXXX '' were to be removed. However, upon reviewing my updated credit report, I have found that these items have not been deleted. 

This oversight on your part has had significant repercussions for me. Due to the presence of these items on my credit report, I was unjustly denied an apartment, which has caused me considerable emotional distress. The stress and XXXX  resulting from this denial have been overwhelming, and it has affected my daily life and well-being. 

Therefore, I am requesting a monetary compensation of {$600.00} for each item that was not deleted as promised, totaling {$1800.00}. This amount represents the emotional and financial damages I have suffered due to your negligence. 

Please find attached all relevant documentation, including proof of your agreement to delete the aforementioned items and evidence of the denial for the apartment based on the credit report you provided. 

I expect a prompt response to this letter, and I hope to resolve this matter amicably. However, if I do not receive a satisfactory response within 30 days, I am prepared to take further legal action. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. I am questioning the bureaus ' capacity in regards with my concern. Please do a re-investigation on this. Below is the account that's still reporting on my report : CAP1/SAKS XXXX XXXX {$200.00}