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

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} has violated my rights. 


15.U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this
Product: Debt collection

I was contacted by the national systems in XX/XX/XXXX about a collection on an apartment I shared with a roommate in XXXX. They told me there was a debt of {$2600.00} that was due, I explained to them that I had been signed off the lease in XX/XX/XXXX they told me to send in supporting documents supporting my claim that I was not legally obligated to the debt owed. When I called to ask why my name was on the collection the women Ms.XXXX was very rude and curt with me, She then cut me off when I was trying to ask questions and explain that they simply didn't have updated paperwork. She got upset and hung up the phone on me and when I called back she cursed me out and called me out my name and continued to hang up on me. So I proceeded by sending the documents stating I have an excuted roommate release lease and a statement from the apartment owners as well as a dispute letter per Ms.XXXX request she sent me a letter in the mail with a copy of the previous apartment owners debt request, Which didn't have my name but my old roommates information as I wasnt mentioned at all along with a letter stating that they didn't have any proof to verify my claim. So she proceeded to execute the debt on my credit report. I filed a dispute with the credit bureau stating that I am not obligated to the debt along with the paperwork I sent National Credit Systems Inc. Even though Ms.XXXX had recieved the dispute a week before sending it to my credit report but reported it anyways out of spite.Its illegal to attach a debt to a persons credit report after they have provided documents stating otherwise.

As stated above I sent national credit systems Inc. The same paperwork from the apartment complex and a dispute letter from myself along with an excuted roommate release lease prior to the debt in a timely fashion and the debt was still added to my credit report, the paperwork they sent me on the XX/XX/XXXX that had the apartments estimate for the debt did not have my name on the paperwork which I have also previously attached. 

The apartment ledger that national credit systems sent me from XXXX XXXX   did not have my name on it but my previous roommates information only which is why I keep asking them to remove me from the claim seeing that my name wasnt given. I continually tried to explain that they simply didn't have updated paperwork and that I have a fully excuted roommate release from and a signed statement from XXXX XXXX stating that I am not legally obligated to the debt all of which I sent to national credit systems before they out it on my credit report but because ms.XXXX da malicious she ignored the paperwork for my dispute and put it on anyways. It is shady business practice to falsify collections on a credit report after having paperwork stating otherwise. I have sent everything national credit systems has asked and have all the documents stating that this isn't my debt but they refuse to correct their intentional mistake. My credit has suffered an 79 point drop because of their shady business practices.
Product: Credit card or prepaid card

A charge came through on my account from a place I visited on XX/XX/19 for {$260.00}. The issue was that the charge was for {$26.00}. I filled a dispute with Citibank and advised them that this place said they don't have the receipt. 

Citibank advised me they can't help me because I don't have a receipt but yet they made NO attemp to contact the merchant processor to show the true charge. As a consumer I have done everything I can do and I'm not getting anywhere from the merchant NOR Citibank so I'm not sure why I'm being penalized. 

I'm not sure if the merchant falsified the charge when they put it through or not but at this point it needs to be fixed by Citibank.
Product: Debt collection

Contacted original creditor they were unable to validate my information under section 623 My information was accessed with XXXX data breach this account coulda been opened with the result of that breach please seest and assist from contacting and reporting fraudulent account
Product: Checking or savings account

I applied for a XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX on XX/XX/20. The company reached out to me for an interview on XX/XX/20 and offered me a position an hour after the interview. The succeeding days including signing a contract and them emailing a check worth {$2000.00}, citing it as a way to set up direct deposit. They then told me to wire the money from my bank to a vendor to pay for training materials and I would start training upon receipt. I wired the money at my bank on XX/XX/20. After wiring the money, I was told that training materials would arrive on XX/XX/20. I get a message saying the company would need to redo the process again and they would email me another check. When I checked to see if the first wire cleared, I found out I was locked out of my bank account because the bank bounced the check but didn't cancel the wire transfer. My account is currently in danger of being sent to collections.
Product: Checking or savings account

Multiple illegal wire transfers were initiated in my checking account that I didn't authorize or perform. When the first illegal wire transfer was tried, Wells Fargo stopped it and I was notified by e-mail from Wells Fargo. I immediately called the number to report this. A couple of hours later, the same person tried to do two other illegal wire transfers and Wells Fargo allowed them to go through. I called multiple Wells Fargo numbers and talked to at least eight different people. I received a letter from their fraud department that they determined I initiated these illegal wire transfers and that is not the case. The illegal wire transfers began around XXXX XXXX  on XX/XX/2023. The illegal wire transfer that were allowed to go through happened around XXXX XXXX  on the same date. The amounts of these illegal wire transfers were {$1400.00} and {$990.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Product: Bank account or service

I never requested, applied for, or authorized a credit card or bank account with PNC Bank at any time whatsoever. First they started sending me account statements, which I ignored, and now they are saying I owe them money, which I will never pay. This whole thing is a fraudulent scam that needs to be shut down. PNC Bank is completely dishonest and I want nothing to do with them, and never did at any time. In spite of numerous requests they refuse to close this bogus account down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.
Product: Checking or savings account

I XXXX  a transfer of {$110.00} on XX/XX/year> to my boyfriend who was not enrolled in XXXX, so I had to resend the money once he enrolled which was within XXXX mins of the first transfer. Wells Fargo approved the first transfer even though a legit XXXX  account wasnt registered. The recipient never received the first payment even til now, I have proof of his bank statements to prove that as well as mine. Wells Fargo continues to take zero responsibility for this fraudulent occurrence on XXXX end. XXXX has insisted my bank has to correct this issue, which Wells Fargo is refusing to credit my account back the {$110.00}. I have talked to numerous foreign people for an American company that insists its my fault for the money not going through, which is wrong for them to treat their consumers so poorly, especially me being a member for 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed the following account XXXX XXXX XXXX as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has XXXX XXXX XXXX XXXX aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

World Finance is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

An automobile account listed under CNAC-XXXX XXXX on my credit reports is showing as charged off. This account is for a vehicle that was totaled. I was covered fully under my insurance at the time. The insurance said the vehicle was covered. When I spoke with JD Byrider/CNAC initially about the account, they also said the insurance would cover the remaining balance because it was totaled. Since then, CNAC has reported to the credit bureaus that there is still a balance owed and has since increased the balance. I do not have any agreements with CNAC-XXXX XXXX and am therefore not responsible for this account. This should be removed from my credit with all three credit bureaus. I reached out to CNAC numerous times to explain this to them and have told them numerous times that I am not responsible for this account. I am a XXXX veteran and I have tried to get this done for a few years now.
Product: Credit card or prepaid card

I was informed inXX/XX/XXXX by Direct Express that a new Direct Express card would be issued for my Social Security account payment in XX/XX/XXXXXXXXWhen I did not receive the new card with my XX/XX/XXXX and XX/XX/XXXX Social Security funds, I called Direct Express in twice in XX/XX/XXXX. I was informed that my deposits were made and the documentation reflected several cash withdrawal, charges to department stores, Charges by XXXX and a variety of other establishments. Also, these charges were made in many Cities all over California and in the State of Georgia, which I have not traveled to at anytime as documented. I informed the representative that I did not receive the card or those funds and had to be an error or the victim of fraud. The representative informed me she would investigate the claim and issued a claim number. The amount of XX/XX/XXXX and XX/XX/XXXX Totaling XXXX contested. Direct Express canceled the alleged cards they had for me on file and issued a new card. The last card is active and I have recieved funds for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I received a response regarding my claim from Direct Express and was told they had determined that they had not committed in error and my claim was denied. I filed a escalation claim to Direct Express with the same request and the supervisor stated that the case was re-reviewed and the claim was denied again. They stated " no error was committed on their part ''. Also, they summarily stated the claim was denied and case closed. 
I filed a Police report at the XXXX XXXX XXXX Police departmentXX/XX/XXXXXXXX. 
I also submitted notarized signed documents attesting to my claim. 
As a XX/XX/XXXX citizen, working in the system since XXXX, I am insulted by their lack of support, interest and professionalism for my financial well being. As a result of their lack of and no apparent interest in a clear investigation, I am now in a financial bind with basic needs unmet, medical bills and emotional distress. I am requesting your assistance to help me resolve this matter and over turn their unprofessional findings, resulting in XX/XX/XXXX citizen abuse and neglect.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, XXXX encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

XXXX XXXX actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in document Please provide me with : XXXX. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
XXXX. Proof that the Statute of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Payday loan, title loan, or personal loan

I have been harassed by the company. Mr. XXXX had contacted me and also went on some type of XXXX system and found names and numbers of family members I havent spoke to in years and called them about my debt. He has continued to harass myself and family members. He says I owe over {$4000.00} and I told him thats not true. I paid that loan. He threatened to have the sheriff department to come to my home and arrest me and then sue me.