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

A few months ago i noticed over XXXX auto loan inquiries on my experian credit report. I know it was fraudulant because I am not in the market for a new car. I bought my car back in 2019 and have not applied for loans since then. I printed off all of the information that experian requires for disputes and i sent it to them via USPS certified mail. I explained to them that none of these inquiries were made by me and are fraudulant. I further explained that if they are not connected to a account on my report then I want them removed. out of the XXXX fraudulant inquires they removed XXXX! Having that amount of inquires on my report is affecting my score ( which im in the process of re-building ) and its making things difficult for me. 

XXXX of them are from ( XXXX XXXX ) XXXX of them are from ( XXXX XXXX XXXX ) XXXX are from ( XXXX  XXXX XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX XXXX XXXX from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX ) Those are XXXX inquires that I did not make! and experian refuses to REMOVE. these inquires were made fraudulantly in my name. Those are just the ones that stuck out to me because there are so many so I may have missed some. All I want is these removed from my credit. This has had a negetive impact on my life and i have had to apply security freezes to multiple reporting agencies including locking my credit report with experian becasue im scared its going to contine due to their lack of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.
Product: Checking or savings account

On two occasions Wells Fargo debited overdraft fees from my XXXX account for prior day transactions which did not cause an overdraft, specifically on XX/XX/XXXX my account was debited {$35.00} x 3 for a total of {$100.00} for 3 transactions of XX/XX/XXXX yet the account was never in a negative balance as a result of any or all of the transactions, closing in positive numbers. Likewise on XX/XX/XXXX, my account was debited {$35.00} x 2 a total of {$70.00} for 2 prior day transactions that did not cause overdraft.
Product: Payday loan, title loan, or personal loan

I decided to get a payday loan from Soild Oak Finance. I ended up getting behind. Got over my head in other payments. I tried making an arrangement of {$50.00} per month. I never heard back from them. Found out this lender has garnished my wages. I never received any small claims summons, any paperwork from Soild Oak telling me they were suing me. I looked in Wisconsin Court access for anything of them suing me. There is nothing. I am below both state and federal poverty line. On food stamps and state paid XXXX. Under WI SS 812.35 this is an ILLEGAL garnishment. Under federal law, this is an ILLEGAL garnishment. We want to file a complaint, want the garnishment to STOP and want to be reimbursed for all monies taken ILLEGALLY from my pay check. Company who take advantage of poor people then go around federal and state law and steal from them shouldn't be allowed to be in business!
Product: Debt collection

I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital One Bank USA on XX/XX/XXXX2022 under the account number XXXX, a Credit card account opened at XXXX XXXX on XX/XX/XXXX2022 under account number XXXX. Account opened at XXXX Card Services on XX/XX/XXXX2021 under the account XXXX, a credit card at XXXX  account opened XX/XX/XXXX2021 under account number XXXX, an credit card opened at XXXX opened on XX/XX/XXXX2019 under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Received email from pay-pal about debit of payment to unknown party. I dont use pay pal and am not a member.
Product: Mortgage

OWR " Qualified Written Request '' I filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy was a home loan it was reaffirmed at a lesser amount than the original amount of the note. The crammed down balance of the mortgage was not petitioned by the investor to be added to the unsecured debt and was therefore discharged at the confirmation of my plan. Ever since then the investor has asked for this money on my monthly billing statements and listed it on several payoff statements. XXXX in XXXX purchased forced place insurance and created a escrow account while this property was under a Federal Stay. XXXX also violated the Debtors confirmed bankruptcy plan by paying off a tax contract that was part of the plan and trying to collect the tax though an escrow account. This investor has now cost me time and money in in excess of the amount of the mortgage just trying to defend my self and keep my home. I am notifying XXXX XXXX XXXX that I do not owe the investor any money because of damages to my company and my credit due to false reporting. I filed a complaint one year ago XXXX and was ignored and told by XXXX  we do have permission to talk to a third party meaning the CFPB. So I filed another complaint giving them permission. Now being contacted by XXXX want to collect a debt one year later REALLY. XXXX XXXX cover up
Product: Credit card

I was told by Kohls representative in XXXX that I was told I could skip XXXX payment due yo loss of employment and it would not effect my store and pick up next payment in XXXX. The rep didnt update the account properly and my credit score dopped do to late payment. I was told the error would be fixed when I called XX/XX/2024 but nothing has happened.
Product: Money transfer, virtual currency, or money service

Square Inc. processed 43 transactions for my company, XXXX XXXX, on XX/XX/2022 between the hours of XXXX XXXX totaling the amount of {$670.00}. The transactions occurred at a local craft show in XXXX, Ohio called XXXX XXXX at XXXX XXXX XXXX Their website as a payment processor is www.squareup.com but their parent company name is " Block ''. Square has a long history of collecting credit card transactions for small businesses such as myself. 

On XX/XX/2022, Square informed me that another account existed for my company under the name " XXXX XXXX '' and email " XXXX '' - neither of which is correct for my company which has been in business for 13 years, nor did I receive any kind of verification before it conducted business on my company 's behalf. The name is spelled incorrectly and the email is invalid. When visiting " XXXX XXXX' it is clearly a spam website. Square should not have allowed this account to process any transactions under my business name. 

No further information has been provided from Square, such as many questions I had : When was the fraudulent account opened? How much money was fraudulently spent? What is the address listed on the account? None of these questions have been answered by Square and they have been generally uncooperative. I filed an FTC and Identity Theft complaint online which Square responded was " insufficient ''. My FTC report is available, however it has very little information included due to Square 's reluctance to provide this to me. They have continuously replied with the same copy/paste message as shown in the image below.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

Recently I was denied my direct deposit for my weekly payroll check for more then 3 days by capital one after stating they had a technical issue but the payment was cleared with my employer
Product: Checking or savings account

so basically this the XXXX time this happend to me this year of me getting my debit cards stolen and i dont know how them getting access to my account which i believe someone in wells fargo is giving the scammers my info to get access and get my fund and they just called my saying there putting a XXXX  year hold and not giving me access to my account because they dont belive me and they are holding my money all i want them is to believe me like i know the XXXX time this year is pretty crazy but i dont understand why they would think its me and they took out the money out off all XXXX accounts i had
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX submitted a fraud claim to Discover, XXXX XXXX, and XXXX This claim stems from me accepting a fake remote job online from a person who acted as a professor for my school The University of Arizona. I sent this fake professor personal information when accepting the job. After weird charges started to show up on my credit card accounts, and me sending payments to the fake professor for work supplies. I spoke with the University of Arizona asking if the professor really worked there and if this job was real. I was told no, but this was a big problem The University XXXX Arizona was facing at the time ( fraud/ scamming students ), and I was instructed to call my credit card companies and file a claim. In which I did on again XX/XX/XXXX, sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue. The fraud claim was accepted and I was told these accounts would be written off, closed and removed. I then leave the issue along thinking its been resolved. Time passes now in XXXX i graduated in XXXX, before my last semester I found out I ran out of financial aid. So I went to apply for some loans to make sure I get my degree for a job I had lined up. I ended up getting denied due to derogatory marks on my credit report being the same credit accounts Discover, XXXX XXXX, and XXXX that was associated with the fraud case. Upon looking at my credit report they were still listed on my report at just charge offs and the cards had looked as if they were still used for some time. I took action by contacting the credit card companies to which they stated the fraud claim is denied due to no police report. This was a contradiction to what was stated in XXXX, XXXX when the claim was accepted as fraud and I was told it would be removed. I took up more action by getting a police report this time, along with writing letters to the XXXX XXXX, Discover, and XXXX of the incident. As well as sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue again. In addition to a consumer report as well. I have yet to see these accounts removed, even though I have provided all necessary evidence, and they have found the claim to be true in XXXX.
Product: Debt collection

I gained this debt in XX/XX/XXXX, I contacted the XXXX company for the debt 1 year ago to ask if they would settle at that time they said no, 2 weeks ago around XX/XX/XXXX I was contacted again asking if I'd like to settle, I said I'd need to speak to wife get back to me in 2 weeks. 2 weeks was today and I spoke with an individual by name of XXXX ( Not sure of spelling ) telling me If I couldn't take the settlement they'd proceed with further actions and I didn't want that because they'll garnish my wages and seek judgements against me. I told them I was XXXX and on XXXX and was unable to be garnished to which the individual got very nasty and asked if I was gon na be a " REAL MAN and pay my debts '' etc. this went on for sometime he hung up on me, I called back and asked for his supervisor and he told me I must have no life and what kind of man are you, I deceivedh im and told him I had recorded his behavior, to which he said that it's illegal, I quoted arizona state law that states only one party must be aware me, He then said it was fine he had already recorded me. I spoke to his supervisor who informed me that if he had recorded me I would have heard a PROMPT saying I was being recorded, However I heard a recording start sound similar to one on a personal cell phone. When I informed the supervisor that at this point I have reason to believe it was recorded and it was a clear HIPPA and Fair Debt Collection act violation the supervisor said he'd talk to the offender in question and that it doesn't change anything in our situation however.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX, XXXX Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022
Product: Credit card or prepaid card

This all started with a rogue, {$30.00} charge on my account with wells fargo. I contacted the company who made the charge and told them I had closed my account. I had done this, but they told me there was another account with an expired credit card from 2 years ago. They recently used the visa account updater service to retrieve a new payment token from Visa and Wells Fargo. I have closed my account with the merchant and opted out of their renewal program. I contacted wells fargo to find out how to opt out of the visa updater service and no one there that I spoke with knows anything about this. The visa updater service is a 2 part process. Wellsfargo has to get my information, or a token, to visa who relays it to the requesting merchant. Wells fargo is telling me I can opt out with the merchant. The merchant is telling me I can ask to opt out of this from the bank. The bank is tellingme I can not opt out of it from them and that I have to try to do this with the merchant. Meanwhile if you XXXX search " vau opt out '' there are many discussions from small banks who are tyring to find out the best way to offer an opt out to their customers, and whether or not they have to notify them when a request comes in. This indicates that it is the bank ( the company that provided the debit/credit card a customer would contact to opt out of the VAU ( visa account updater service ). I want to be able to opt out of this as I see it as an invasion of my privacy when a bank would send payment information to a merchant on their request, not on mine. If I choose to not update a card at a merchant, I want it to be on me, not up to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I sent Trans Union a dispute regarding personal information they are furnishing that is not accurate. Trans Union is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information. I have notified Trans Union that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with. Trans Union only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Trans Union did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Trans Union is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Trans Union regarding my dispute. I did not give Trans Union permission to furnish this information in any consumer file or consumer report concerning me. I also requested full disclosure of the consumer file concerning me in Trans Union 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. I provided Trans Union with a copy of my ID and a current bill showing my address.
Product: Credit reporting or other personal consumer reports

My Sister In-law Took My Social Security Card Birth Certificate & ID She's Using It For A Mortgage Their Address Is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX