23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, {$1200.00} was taken out of my personal Wells Fargo checking account. This was a bill pay transaction that was sent to XXXX XXXX into an account that is not mine. 

I reached out to Wells Fargo online to start an investigation into this fraudulent transaction. They conducted an internal investigation and on XX/XX/year>, Wells Fargo said that they did not find any irregularities and provided no further help. This was clearly a fraudulent charge because I have never set up bill pay on this account and have never sent money to XXXX XXXX. I have tried multiple times to seek a resolution and to have Wells Fargo look further into this fraudulent charge and they will not do anything about it. On XX/XX/year> I called multiple times to get more information about this transaction but Wells Fargo would not give any information out. Wells Fargo 's fraud department was very unprofessional and very unhelpful in this matter and could not care less about this issue. I have filed a police report on XX/XX/year> in order to escalate this case to the proper authorities.
Product: Checking or savings account

Betterment froze my acct due to what they thought was fraud, it was not and I explained the situation and provided them via email a copy of me and my drivers license as requested a week later and after calling everyday still frozen. I cant pay my bills no one will return calls. Then they ask for my sons Drivers license and him holding it, which we did and still nothing. Its been over a week. I finally get an email today saying they closed my acct and now I have no idea where my money is or how to get it as no one will respond. This is going to make me late on my bills and destroy my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

I was notified by Convergent Outsourcing Inc. on XX/XX/2020 of an account that was allegedly owned by me from XXXX. I responded to convergent on XX/XX/2020 with a request for validation of the debt and I never received any verification from their company. I received a notice via email on XX/XX/2020 that the account was now on my credit report and it has caused my credit score to drop a considerable amount. My request was received and signed by XXXX XXXX on XX/XX/2020. I never received a response to my request and the company has illegally placed the account on my credit report. on XX/XX/2020 I spoke with two individuals that stated they did not have to respond to my request and that all they needed was my name and social security number to place the account on my credit report.On XX/XX/2020 I spoke with XXXX XXXX, and her supervisor XXXX XXXX and they were both rude and dismissive of my complaint. I was told by XXXX XXXX that I issued a cease and desist order and the order stated that " until they provided the requested documentation they should cease and desist all further attempts to collect the debt ''. I have received absolutely no correspondence from the company at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Citi reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they removed ALL payment history but left the Negative reporting on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX to show what I mean by negative payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. My personal information has been breached multipletimes. Please remove these inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with TransWorld inc for ( purchasing power ) is Paid in full.

Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc.

I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}.

Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX   report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full. 
PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks. 

( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint with the CFPB which nothing was done and my rights have been violated in accordance to 15 USC 1681. This company has and still is reporting INACCURATE/INFORMATION! They are reporting a charged off account for a phone as a vehicle lease WHICH IT WAS NOT. They have violated TILA as well I was not disclosed the actual and correct price for the property. I have attached evidence in my last dispute. I have been denied a apartment for me and my kids to live and this has caused stress and anxiety trouble at home. The Fair Credit Reporting Act as put in place to protect consumer from instances like this one! They are now reporting XXXX on my credit report which is false and has caused STRESS!! This is not ACCEPTABLE for this company Acima to do what they want with disregard for the LAWS, RIGHTS of a litigious consumer. I will be exploring my options with an attorney as well. I hope the CFPB enforce the LAW this company has violated me to the upmost. I have attached copies. They have not responded to my affidavit which was notarized. The tracking # for the USPS is XXXX which you received XXXX XXXX @ XXXX.
Product: Credit reporting or other personal consumer reports

There are numerous credit inquiries on XX/XX/year> that are not mine nor did I initiate credit inquiries. I have not recently applied for any vehicle or consumer loans. These credit inquires are coming from various states. Coupon booklet showed up to my home address from XXXX  XXXX XXXX and I have contacted them to dispute. Upon reviewing my credit reports with all XXXX agencies, it doesn't appear to have loan balances. I have placed a credit freeze with all XXXX agencies.
Product: Student loan

Premiere Student loan contacted me about my Student Loan with XXXX XXXX. I was told by Fed Loans that I did not need a third party to set up repayments. XX/XX/XXXX - XX/XX/XXXX, I paid {$1100.00} ( 5 months of payments in the amount of {$230.00} due on the XXXX of every month ). XX/XX/XXXX - XX/XX/XXXX, I paid a total of {$60.00} ( {$20.00} per month ). I was able to get the {$60.00} refunded after my Bank disputed the charges. I have tried to contact premiere Student Loans on several occasions to get the remaining {$1100.00} refunded without any success. I contacted a XXXX from Premiere ( XXXX ) on several occasions, but I am unable to reach her at the number that she left on my voicemail. I was originally promised that my Student Loans would be cut in half by going through Premiere Student Loans, but after consulting with Fed Loans I found that this was not accurate.
Product: Debt collection

Hello, my name is XXXX XXXX also on the paper I received my first and last name is spelled correctly wrong but the SSN is correct there was something opened in my name when i was only XXXX XXXX XXXX i can provide my license just to prove my birth date the amount they are trying to garnish from my check is {$2500.00} i am going to attach the letter I received in the mail and also I was told it was from a gas and light company here 's some of the information Open date - XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Judgement in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2013 {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX And after getting the run around and having the collection agency attempt to violate HIPPA laws by telling me that this collection is from my primary care doctor. XXXX XXXX XXXX sent a letter only saying the amount of the debt owed no further explanation. The amount on the validation was different than the amount being reported. I tracked down the original creditor XXXX XXXX XXXX XXXX   XXXX XXXX after filing a complaint with the CFPB and the original creditor has no record of me owing a debt I was then referred to XXXX  XXXX XXXX who also has no record or information on the debt. Experian states that the debt is verified as accurate however this is inaccurate information if the debt can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from XXXX stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called XXXX to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and XXXX but they sided with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my identity was compromised.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my XXXX attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over an Identity Theft Report # XXXX & XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and XXXX, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I have attempted to receive the tax documents needed in order to file taxes for a trust I manage. I have contacted the institution and was advised they would be emailed, only to be called by a different department that they dont have access. I have been denied online access to the documents and have been given misinformation and the run around denying me access to the required documents.
Product: Debt collection

XXXX XXXX is attempting to collect on a debt I do not owe. I have not been aware of this debt. I have not received any letters or phone call from this company. And now it's on my credit. This is a violation of my 30 day right to dispute!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent every company letters disputing all the alleged debts and delinquent accounts. According to the Fair Credit Reporting Act section 609 and 611 all of these accounts should be removed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. This section mandates that credit reporting agencies must block fraudulent accounts upon notification from consumers. Despite my efforts to report and provide documentation regarding the fraudulent account with XXXX XXXX XXXX, Experian has not taken the necessary action to block this account from my credit report. 

I have sent multiple requests to Experian to dispute this fraudulent account, providing them with the required documentation to prove its illegitimacy. However, they have failed to act in accordance with FCRA Section 605B, which states that : If a consumer identifies information in a consumer report that is the result of identity theft, the consumer reporting agency shall block the reporting of that information within 4 business days after receiving a copy of the identity theft report and appropriate identification. 

In addition to the violation of FCRA 605B, there is established case law that supports my position : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case established that credit reporting agencies have a responsibility to ensure the accuracy of the information they report, particularly in instances of identity theft. 

XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) This case emphasized that failure to investigate a consumer 's dispute can lead to violations of the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) In this case, the court ruled in favor of the consumer, affirming the credit bureau 's obligation to block fraudulent accounts once sufficient evidence of identity theft is provided. 

Given these circumstances, I respectfully request that the CFPB take immediate action to investigate Experian 's non-compliance with the FCRA and ensure that they fulfill their obligations to block the fraudulent account in question.