23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Collection Agency, Caine & Weiner has NEVER supplied me with written verification of this debt from the original debtor, XXXX XXXX. 

On XX/XX/2020, I spoke with a supervisor XXXX at XXXX who explained to me that Caine & Weiner is contracted by them to " manage '' their collection debt. 
Supervisor XXXX further told me that my account is available on the XXXX  website and that Caine & Weiner has access to this information. 

Yet, Caine & Weiner has never provided written verification or sent a link to this information at any time I have requested it. The information Caine & Weiner has sent via mail was a bill, NOT an accounting of payments as I requested. 

Supervisor XXXX at XXXX tells me the account is still active and is not solely assigned to Caine & Weiner, yet Caine & Weiner, a company contracted by XXXX reported they had no access to information regarding this debt. 

Caine & Weiner has lied to me and the CFPD in stating they could not provide an accounting of payments. 

Further, XXXX, informed me that I could pay the debt directly to XXXX making Caine & Weiner 's reporting of this debt to the credit bureaus invalid as they are assigned to " manage '' the debt. 

Either way, I was NEVER provided a written accounting of this debt by Caine & Wiener,  or a contract with my signature validating this debt as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted from Experian that a new inquiry was placed on my credit from XXXX yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.
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 XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies XXXX, Transunion and XXXX  but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.
Product: Checking or savings account

On XX/XX/2024 there was two unauthorized transactions on my account. They are two XXXX XXXX transactions one for the amount of {$400.00} and {$300.00}. I did not authorize these transactions and I want them investigated and resolved. I request that WellsFargo takes immediate action to rectify the situation and secure my account. I want them two look into who the received the money and how I have no idea who received that money. The {$700.00} that got sent was my rent money and now I have nothing. I did not authorize those transactions!
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 U.S.C. 1681. 

All accounts are held by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX XXXX. XXXX Account XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXXXXXX account number XXXX about {$770.00} XXXX. XXXX XXXX XXXX account number XXXX amount {$510.00} 15 USC 1681 ( s ) ( 2 ) 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.

15 USC 1679c DISCLOSURE LAW IN 15 USC 1681 STATES THAT NEGATIVE INFORMATION SUCH AS UNPAID DEBTS COLLECTION AND STUDENT LOAN DEFAULTS CAN USUALLY ONLY REMAIN ON A CREDIT REPORT FOR 7 YEARS. 

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : Alos states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to the inaccuracy of these reports I have not been able to obtain a home and other necessities that are needed by credit score. Also they have not given me any information on these accounts. They have violated my rights and not have sent any information on how they obtain my accounts. I want them removed and my credit restored immediately. 
Kind regards,
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via 3 different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ).

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.
Product: Credit card

I was sent a Target RedCard on XX/XX/24, I opened the letter that had the credit card and information about the card on XX/XX/24. I called Target at XXXX, they let me know that I had a balance of {$460.00} with a credit limit of {$500.00}. I was connected to the fraud department and they let me know that the application for this card was filed on XX/XX/24. They also provided me the email address that was used for the application.
Product: Credit reporting

Experian will not remove inaccurate names that are not my names or wrong addresses. The other agencies did it but they will not. I have even sent them proper identification and address verification information. Still no changes after 5 months of trying to get corrected. 

Also they failed to reinvestigate properly and submitted requested documents to me based on the Section 611 of the FCRA I stated to them the following : 1. My request was made based on FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and was signed as having been received by you via certified mail. 
2. Pursuant to FCRA, Section 611 ( a ) ( 7 ), you are required to provide that description and specific information to me no later than fifteen days of my request. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lease was closed out 2015 A/c number XXXX XXXX  has a balance due of {$410.00} and a XXXX monthly payment that shows as due Equifax shows that a XXXX monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed
Product: Debt collection

In XX/XX/XXXX, my 2 year contract was finished with XXXX. I chose not to renew my contract and was told to return XXXX XXXX XXXX, since the phone was still on a lease. I was advised to call XXXX and get directions on sending back the phone. When I called XXXX I was told that I need to go into a XXXX store to return device. I went back to XXXX store in XXXX XXXX, Ohio one week later to return phone. I was told again that the store rep can not take the device it must be sent via post mail to XXXX. I was then given the same number to call and get directions to send back phone. When calling into XXXX for the second time a few days after my visit the store I was told a second time to drop phone in XXXX store. My girlfriend then called XXXX store and was told we were not able to drop phone off at store, she then called XXXX customer service and was able to get box/directions to send back phone. While in contact with XXXX regarding returning the device no one communicated with us I had an outstanding bill of {$170.00}. 
While checking my official credit report last year I was made aware of a collection of {$170.00} with a company AFNI. I called AFNI regarding this debt and spoke with male CSR and was told debt was for the device. I explained phone was sent back to the company but it was sent back 2 months after contract ended to being misinformed by both the store as well as customer service. He advised debt will not be removed until payment is made in full. I called AFNI 3 months later regarding debt. I spoke with female CSR and she explained to me that debt of {$170.00} was for the last phone bill. After speaking with my mortgage lender he advised me get a letter stating if balance was paid the debt will be removed completely from my credit. I called AFNI back the following day and spoke with male representative. The CSR confirmed with me that once the balance was paid he would send letter reflecting debt will be taken off account. On XX/XX/XXXX, XXXX XXXX and XXXX dollars was paid to AFNI. The following day I received letter stating the account has been paid and a notification would be sent to the credit agencies reflecting the current status. I called the same day to AFNI, to discuss letter. The letter does not state the debt will be removed from account as promised. I was told regardless if I paid the balance the debt would stay on my account for up to 7 years. 
I truly believe that the debt does not reflect my creditworthiness and the debts have been repaid. We are planning to apply for a mortgage loan and unable to do so with this debt on my credit report. We spoke with multiple XXXX representatives and no one brought the past due bill to my attention and did not try to collect balance from me before it was sent to the debt agency AFNI. The AFNI representative was deceiving and did not tell the truth regarding the debt after the balance was paid. It would help me immensely if the debt can be removed from all the credit agencies and the account was put in satisfactory standing.
Product: Debt collection

No legal notifications. Reported as collection on my credit report for less than {$150.00}. Damaging my credit. Did not follow fair credit collection laws. Damaged my credit without legal notifications. Please investigate this bottom feeder business.
Product: Credit card or prepaid card

I have a credit card with Indigo. At the beginning of the year the monthly fee was applied which was XXXX. I forgot about it and my card went over the XXXX limit. The new balance was now XXXX. On XXXX XXXX I made a payment of XXXX which would leave a balanced owed of XXXX. The payment cleared on XXXX XXXX, because it was after noon when I made the payment and they only use bank accounts to receive payments. I stopped at a gas station on XXXX XXXX and I was told my card was declined. When I called to check my balance, it was stating my balance was XXXX. I spoke with a representative and was told my card was placed on hold pending verification that the payment made would clear and I would not be able to use my card again until XX/XX/2022. I informed them that the payment cleared on XX/XX/XXXX so it has been fully verified that the funds are good. I have never submitted a payment to them that did not clear. I was then informed that yes they did clear and was on their end that they were holding the payments. So I stated, you mean to tell me that you have the funds, you just verified that you are holding them on your end and I can not use my card again until the XXXX of XXXX and the only thing you have updated in your system is the made payment? There is nothing in your system showing my account is on hold. But the negative XXXX is showing and my balance is XXXX. The first representative actually laughed and stated " well its not with everyone its just yours. '' I said excuse me. I got off of the phone and called another representative which stated they've been doing this since the company has been established and if I would have made a smaller payment and not a payment of XXXX my account would not have been placed on hold. I informed him when I made the payment of XXXX and something the year prior, they did not place my account on hold. And he said no they didn't. We just do it sometimes, we never know when and it just so happened this is your first time. I told him, so you guys have my payment and it has been verified but you're not updating my account in the system nor to the credit bureaus and you're not allowing me to have use of my card until XXXX XXXXHe stated that is correct. I said this is some fraudulent stuff you guys are doing and I received no warning and your stating it is because I paid a higher amount. So if I paid a lower amount, i wouldn't have a hold and he stated that I was correct. So i asked if I pay the remaining XXXX will there be a hold and he stated I wouldn.t know that until you paid it. This can not be legal.
Product: Student loan

I was misled on more than one occasion regarding the initiation of my student loans and the forbearance of my student loans. There was nothing fair about either process.
Product: Debt collection

In accordance with the Fair credit reporting act XXXX account # XXXX Americollect INC. 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 instructions
Product: Checking or savings account

I am reaching out to formally complain about First Horizon Bank holding my funds for over XXXX months due to an incoming wire transfer that is under investigation. Despite my repeated attempts to resolve the issue and my communication with the sending party to correct any necessary information, First Horizon has continued to hold the funds without providing any updates or a resolution. 

I have not received any follow-up calls regarding the investigation, and this prolonged delay has caused unnecessary financial hardship. I request immediate action to resolve this matter and the release of my funds. Please provide a status update and the next steps required to move forward.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the XXXX credit bureausExperian, XXXX, and XXXX success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including XXXX, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident. 
Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions. 
Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : XXXX : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a card with Lowes/Synchrony Bank under promotional terms for a purchase in XX/XX/XXXX. The credit limit was {$3000.00}. I continued to pay on the balance per the terms on the card. In XX/XX/XXXX this credit limit was suddenly reduced to {$1300.00}. This reduction placed my account in " over the limit '' status as the balance was {$1300.00} before fees and interest. When I called to inquire about the change in limit and why the company chose a limit below my present balance on XXXX XXXX, XXXX, I was told by customer service they could not give me any specific information. Customer service also said that a letter explaining their decision had been mailed to me. Approximately 10 days later I received this letter ( attached and annotated ). The letter did not mention reasons explaining the choice to reduce the limit below my balance, rather it referred to information from my XXXX  credit report as a reason to reduce the limit generally. This information was inaccurate, so on XXXX XXXX, XXXX I called customer service again. This time I complained explicitly of their placing my account in " over the limit '' status and the inaccurate credit report information as their action had lowered my credit rating by XXXX points. I asked for a correction of information and raise of my credit limit. ( For example, XXXX  showed my FICO8 score as XXXX as of XXXX XXXX, XXXX, but Lowes ' letter cites a score of XXXX in their decision-making. ) In processing my request the company hung up on me and did not call me back. To date, no remedy or limit increase has been taken by Lowes.
Product: Credit reporting or other personal consumer reports

I provided my identity theft and Police report on numerous occasions to Experian. I have called and submitted numerous disputes against these false and inaccurate statements that Experian, XXXX and XXXX are reporting about me. They are intentionally misleading and lying about me and who I am. 
Experian is not following the law and taking in to consideration what I am providing. They are only using the creditors information despite me providing proof that it is incorrect. Since Experian repeatedly allows it. They need to send me the proof that these accounts are mine. They need to send me what the creditors submitted that Experian reviewed. Experian has told me that as long as the creditor says it is my account. It does not matter what I provide. I have this in XXXX separate recorded conversations with Experian. 
This is against the law. Experian does not show any regard for the law and continue to attack my character.
Product: Money transfer, virtual currency, or money service

Logged into Xoom, typed in amount of money to be sent, logged into my bank XXXX bank account via the Xoom provided login/funds verification. I allowed access to view funds. There is more than enough money for the transaction to be completed however I was given a three day waiting period to verify funds. This seems like a predatory practice designed to force people to use the more expensive option of having money sent via a debit card. Nearly twice the cost. 

Date of initiating transaction XX/XX/2024, predicted available for pick up date XX/XX/2024. I called and was told I was not eligible for a manual expedite because Xoom had not collected funds from a previous {$35.00} transaction from XX/XX/2024. When I inquired how I could rectify this, I was not given an option.