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

Wells notified me of my account being overdrawn with a balance of - {$1.00} on XX/XX/20, which was caused by an ATM withdrawal for {$40.00} on the same day. However, I did not make any withdrawal on that day and have notified Wells Fargo accordingly. In fact When I called Wells customer service, the automated response indicated that the transaction was payment to an overdraft account, not an ATM withdrawal as indicated by Wells online and by email. 

Importantly, I signed up for overdraft protection when opening the account and have confirmed that the account has this feature by phone subsequently, yet all transactions potentially requiring overdraft protection have been denied with not one transaction has ever been covered by the overdraft feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

ForseveralyearsnowIhavebeentryingtogetXXXXXXXXXXXXXXXXandXXXXXXXXXXXXtoremovetheFRAUDaccountsthatwereopenedbyXXXXXXXX.IhavesuppliedtheCreditReportingAgencieswiththepolicereportandFTCfraudaffidavitandsaidtheyhadtoremovetheblockthisisnotrighttheyfailtoshowmewhereiopenedeitheroneoftheaccountandatthetimewasworkingoverseasfortheXXXX.SoiamrequestingthatthefraudaccountsbeblockedandremovedperstatueFRCA605BUSC15.Itsliketheycanshowastatementandtheyhaveenoughevidencenotheneedtoproveitorremoveit.


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Product: Debt collection

Portfolio Recovery Associates , LLC has sent numerous mailings to me for an alleged credit card debt ( s ). Portfolio Recovery provided the following XXXX ( XXXX ) account numbers for these alleged debts : XXXX and XXXX Portfolio Recovery has admitted that the Statute of Limitations for these alleged debts has long-since expired. Portfolio Recovery has admitted it can not sue me for these alleged debts. Portfolio Recovery has admitted that the 7 year Federal Reporting period to credit reporting agencies has expired. 

Notwithstanding, Portfolio Recovery has repeatedly reported the XXXX alleged credit card debts to all XXXX major credit reporting agencies. 

Portfolio Recovery has no legal standing and no legal remedy to be contacting me for any reason. Portfolio Recovery has admitted against its own interest that the Statute of Limitations for the collection of this alleged debts has expired. 

Any and all communications to me from Portfolio Recovery amount to nothing more than the knowing, willful, intentional and repeated, illegal " harassment '' of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two recent inquires one from XX/XX/2021 and one from XX/XX/2021 from a place called CBNA. This was not done nor authorized by me. When I XXXX  this place, its states this place is in New York, I'm in XXXX XXXX, there's nothing this company can do for me. Also, when I called XXXX when I noticed the first inquiry they said this was a credit card inquiry. I have a bank as well as a bank card, if I wanted a credit card I would just go through my bank, I wouldn't even go through the trouble of going somewhere else, let alone applying twice within 2 weeks of the first time. That's just nonsense. A few years ago I filed a police report for identity thief and if needed I can do it again for this. I have been working really hard on my credit and the last thing I need is false / fraudulent information on my report. I would've contacted CBNA but honestly I don't even know where to start, or what to say. What do you say to a company you've never spoke too? However, I will do what needs to be done to get this removed.
Product: Credit reporting or other personal consumer reports

Yes I provided the three companies with a the Information need to verify the inaccurate accounts.
Product: Credit reporting

This account is being reported as XXXX days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/2009. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/2009. You can clearly see on the attached info from Equifax that the payment status switched to XXXX in XX/XX/2009. This account went into default and was transferred to XXXX XXXX Higher Education. This does not constitute a payment and this account is being reported past the XXXX year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT'S BEEN MORE THAN 30 DAYS AND STILL NO UPDATE TO MY CREDIT REPORTING. PLEASE SEE THE ATTACHED DOCUMENT ; 2ND TO LAST PARAGRAPH. PLEASE UPDATE ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXXXXXX XXXX ( {$3600.00} ) # XXXX, XXXX ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX 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
Product: Debt collection

Credit Control , LLC keeps sending me collection notices saying that I owe them {$3600.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Credit Control , LLC keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked XXXX XXXX for a contract with my signature obligating me to this debt which they have not provided. This debt does not belong to me.
Product: Vehicle loan or lease

I am requesting the verification of a negative item on my credit report MB FIN SVCS XXXX. This account is being reported as 30 days late on XXXX and XX/XX/2023. 
If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So I am requesting you verify the item I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain handwritten verification directly from a person at that source.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit card or prepaid card

Receiving multiple preapproved credit card applications for a person who doesn't live here
Product: Vehicle loan or lease

On XX/XX/2023, I entered a consumer credit transaction, not a loan with Credit Acceptance. I entered a consumer credit transaction agreement without transparency regarding the process of the consumer credit application being a financial asset. I now know that my signature is what created the security. According to the Federal Reserve Act Section 16 Part 1 and 2. The application was deposited into the Federal Reserve Bank for the dollar amount of the consumer credit transaction. I am the holder in due course and the XXXX. This is what makes this a fraudulent transaction. Credit Acceptance was already paid when they deposited my credit application into the Federal Reserve Bank. Now they are reporting a balance on my credit report as a debt. How can I owe a balance when they have already paid for the transaction. Credit Acceptance knowingly and willingly entered into a false and deceptive consumer credit transaction with me. the consumer. Credit Acceptance accessed my ( XXXX ) Treasury Account, only to make it appear as though they were loaning me money ( application ) and charge me interest. There was never any money given to me in this transaction. Credit Acceptance was also asked to show where they loaned me physical cash from their own assets and as stated earlier, they never responded to the debt validation/notice of dispute request. This entire transaction is fraudulent and misleading. Although I wish to resolve this matter amicably, I am prepared to seek compensation for damages for Defamation of Character, Securities Fraud, Trust Fraud, Fraud, Embezzlement and RICO. 
Credit Acceptance also violated numerous TILA and FDCP laws regarding fraud and my consumer rights. I know that I have a right to ask for debt validation according to Federal Law. Credit Acceptance has ignored all requests thus far. 
I also asked them for a copy of the actual contract with my wet ink signature and they mailed me a picture of the electronic signature agreement. 
I mailed Credit Acceptance a Debt Validation letter requesting a financial ledger regarding this fraudulent account and they mailed me a 1 page document called ACCOUNT NOTICE, still attempting to collect on this fraudulent alleged debt. I also intend to reach out to the IRS for an audit and an investigation of Credit Acceptance financial business practices. As of the time of the filing of this complaint, Credit Acceptance has not reached out to me to try to come to some type of resolution.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - my phone service suddenly came to a stop, preventing me from making any phone calls or using cellular data, which I found strange. Later I found out that someone or a group of people used a sim-swap to obtain my phone access and personal information. 

XX/XX/XXXX - I found out that I had lost access to both my bank account and coinbase account. I contacted coinbase through chat, phone etc whatever I could in order to prevent any feature damage. 

XX/XX/XXXX - When I got notified of an unauthorized coinbase transfer in the morning of the XXXX, I quickly took action so that the withdrawl could not be processed, and received a confirmation email that it was canceled ( I will include a screenshot of the confirmation email as well ). And after I made the new account, this same amount that I prevented from leaving my account was all that was transferred back to me. All of the remaining amount I had never received any emails or notifications of it being stolen ( Around XXXX USD at the time of event ). I believe that coinbase has the responsibility to return those funds to me. 

XX/XX/XXXX ~ XX/XX/XXXX - I did everything I could do to strengthen the security to personal information and financial information. Continued to attempt to contact coinbase for transaction history which took them days to respond. 

XX/XX/XXXX - Since the first request on XX/XX/XXXX of XXXX, it took about a month for coinbase to finally provide my account 's transation history which I used to file police report and currently escalated to a fraud detectives ' case and under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following a ccounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

I noticed the following incorrect information on my Experian credit report for Primary Residential Mortgage : Status Discharged through Bankruptcy XXXX XXXX 

XXXX XXXX is my former mortgage company. They sold my mortgage to another company, XXXX, my current mortgage company. XXXX XXXX was my mortgage company when I filed for bankruptcy XXXX XXXX in XX/XX/year>. As a chapter XXXX filing, I did not discharge my mortgage loan, and I continued paying it in full and on time all the way through until they sold it to XXXX. 

I do not have a single late or delinquent payment on my XXXX XXXX or any other account. My bankruptcy was successfully completed and discharged and it no longer appears on any of my credit reports. Yet, Experian continues to show the above incorrect information about XXXX XXXX on my credit report. None of the other credit agencies show this, and the other credit agencies have my credit score about XXXX points higher than Experian. 

Experian also says the following about what is hurting my credit score : - You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. 
Number of your accounts that were ever 60 days late or worse or have a derogatory indicator : XXXX account - This information is incorrect. None of the accounts listed in my Experian credit report show any late payments. The only account that has any indication of delinquency is XXXX XXXX, and again, I never had a missed or late payment on that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit card or prepaid card

I had a check drafted on XX/XX/22. I mailed it in. I've checked my account and for the check to be applied to my account. And was told for 5+ weeks that they didn't receive the check. The check was cleared on XX/XX/22. I have been drawing interest All of that time. It amounted to {$40.00}. which wasn't supposed to be drawing interest. I've paid the amount because my account was still drawing interest. I believe that I was being charged interest even after they cleared the check. The card company is Avant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that an inquiry on my Experian credit report was made by XXXX XXXX XXXX. I have not authorized this inquiry. I have contacted the company but have not received a response. I want the inquiry removed from my history.
Product: Checking or savings account

On XX/XX/XXXX fraudulent active started on my bank account with US Bank. I had not given permission or account info to anyone. A fraudulent check was deposited into my account for {$640.00} on XX/XX/XXXX withdraws totaling {$230.00} we're withdrawn from my account. On XX/XX/XXXX {$440.00} was withdrawn from my account. On the XX/XX/XXXX XXXX more checks were fraudulently deposited into my account. On XX/XX/XXXX my Social Security check for {$1000.00} was deposited in my account via direct deposit and on XX/XX/XXXX another deposit was made to my account from Social Security for {$1000.00}. my account balance before all this fraud started was {$27.00} and with the 2 deposits from Social security {$2100.00} = {$2200.00} my home back now because mine closed during covid is US Bank on XXXX XXXX XXXX XXXX, Ca has returned {$1000.00} in XXXX XXXX and stated she ( XXXX XXXX the bank Manager didn't feel comfortable giving me any more money back from my closed account, she wasn't sure where the money came from. US Banks has {$1100.00} of my money and won't return it. All investigation have been closed since XX/XX/XXXX and the account closed. I did everything the fraud departs have asked me to do, I filed police reports, filled out countless amounts of paperwork for them and they found me not responsible for the crimes committed on my account. I was told the only way to get my money back was through my bank. Since the bank Manager won't do it I have called her boss, District manager for XXXX XXXX XXXX XXXX XXXX XXXX three times and left detailed messages, to which she has not returned. Please help me.
Product: Credit reporting or other personal consumer reports

I unlinked my bank account from my Experian profile and Experian lowered my credit score XXXX points. and failed to justify why
Product: Debt collection

I do not have knowledge of this debt and believe it is not mine. I have not had XXXX. This debt is being collected by not only this company but another company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - TransUnion signed for and received a letter from me which detailed that TransUnion furnished 30 accounts with Late payments and Transactions without any written consent. These actions were in violation of 15 USC 1681b and 15 USC 1681 ( 2 ) ( a ) ( i ). I sought remedy for these actions along with remedy for inquiry and address removal with an invoice computed using 15 USC 1681n. 

No response XX/XX/21 - TransUnion signed for and received signed for and received a notarized notice of pending litigation in affidavit form and another invoice. In the affidavit, I detailed 175 actions of TransUnion that were in direct violation of the FCRA, the laws violated by TransUnions actions were : 15 USC 1681b - violated 33 times by TransUnion furnishing 33 accounts on my report without written consent ; 15 USC 1681 ( 2 ) ( a ) ( i ) - violated 33 times by TransUnion furnishing 33 accounts with information about transactions and experiences ( credit utilization ) ; 15 USC 1681a ( e ) - violated 30 times when TransUnion improperly validated and verified information that was in dispute. I am the original creditor on all accounts, and I am the only one who can validate the alleged debt, which I have denied validation on these accounts multiple times. Reference to CFPB Complaint XXXX ; 15 USC 1681c XXXX a ) ( 4 ) - violated 13 times when TransUnion furnished 13 accounts that were either charged off or in collections ; 15 USC 1681c ( a ) ( 5 ) violated 31 times when TransUnion furnished 31 accounts with adverse information on it ; 15 USC 1681i ( a ) ( 1 ) ( A ) violated 30 times when TranUnion choose not to conduct a lawful investigation into my disputes. TransUnion did not interview me, neighbors or loved ones when it pertained to the dispute ; and again, I am the original creditor on these accounts and I did not validate the accounts but somehow TransUnion was able to validate the accounts. 

XX/XX/21 - I received a copy of my credit report and some dispute stuff from TransUnion. TransUnion didnt respond to my affidavit with an affidavit ( 12 CFR 1102.33 ).
Product: Credit reporting or other personal consumer reports

Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit # XXXX which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for Unit # XXXX which is false and misleading because I lived in unit # XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to XXXX disputing the accuracy of the account and it came back verified every time. This is evidence that XXXX is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration.