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

I'd like you to remove some information that isn't mine from my credit report as soon as possible. I've lodged a Identity Theft report, which I've attached to this letter, alleging that these accounts are not mine and that my identity might have been stolen. 
I've included a list of the accounts in Identity Theft report. 

I'm not sure how these charges ended up on my credit report, but I never approved or consented to them. I have no idea who provided you with this information! I'd like a screenshot of whoever says these accounts are mine because I do not recognize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( NAVIENT ) twice by certified mail & US Dept of Educ as directed by all three credit agencies Experian, XXXX  & XXXX  but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!
Product: Bank account or service

On XXXX XXXX, 2016, I sent {$500.00} from my online checking account at Capital One 360 through their new XXXX system on XXXX This was the first time I had made such a transaction. I was asked to put in the email address of the person I was sending it to, but I did not have access to the drop down menu where the correct address had been stored in the previous process. I erroneously put in the wrong email address. ( Anyone could make a single digit mistake in the same way if sending to a mobile phone number. ) Admittedly, this was my mistake ; however, there was a complete lack of security, of checking, of layers through which the request had to go to ensure its secure transmission to the recipient. 

My {$500.00} XXXXpayment, powered by XXXX, went unhindered into an account owned by someone unknown at XXXX XXXX XXXX. Because that person had already checked into the Capital One 360 service at least once, all future amounts were automatically transferred into that account. When a Capital One 360 customer service person checked into the issue, he found that the cash was no longer available or accessible at the XXXX XXXX XXXX account. There was nothing he could do. XXXX XXXX XXXX wo n't even discuss the issue because we do n't know the account number of that person with the email address I used. 

I can not believe that I could lose {$500.00} because of a clerical error. I can not believe that Capital One 360 is that insecure. I can not believe that Capital One 360 did so little to retrieve my money. I can not see any benefit to keeping any money in this bank. I can not believe that I as a customer am treated with so little regard for the safety of the transmission of my money from my account to another 's.
Product: Debt collection

XXXX  is unlawfully making false claims that money is owed, that is not enforceable and has been satisfied as a matter of law. XXXX has hired a firm to make false claims and during this coronavirus exemption period having instead violated the State of California 's Orders of Exemptions of Foreclosures, and has aided to claim rights to enforce a Lien that is unenforceable, was time barred by operation of law over 13 years and was discharged AFTER being time barred over 8 years. This has been expired by all means under Applicable laws and according to the provisions of the contract. 
Furthermore : XXXX is attempting to serve a foreclosure notice during this Coronavirus Exemption period and having instead hired a new firm to aid in making false claims that money is owed. And having published on public records false accounting on discharged debt. This is extremely unlawful and under Civil Code 2941. having turned to criminal acts. 

During this extreme time of which we all face, XXXX is attempting to foreclose and file a Notice of Default when the Courts are closed and this is causing harm and injury. 

XXXX placed on my credit report found in XX/XX/XXXX to have made a false entry on my Credit report that money was owed and made up false entries to create a false claim as if payments were recently made, knowing this was false and untrue and attempting to revive a debt that is expired under all applicable laws from any collection ; and was later discharged under Chapter XXXX after having previously expired all rights prior to entering bankruptcy. This has been over 14 years of harm, and XXXX has caused recent credit reporting " False Credit '' entries on a debt that has a last payment due was XX/XX/XXXX. This was accelerated at this time and under applicable state law expires all rights under UCC 3118 ( a ) at six years. Despite the facts XXXX XXXX XXXX XXXX is the alleged Creditor who has stated " they are not the creditor '' and this pattern of abuse and harm continues to cause to ruin my credit, and lost my ability to gain a much needed loan, as my credit scores substantially decreased and denied business and personal credit because of this false entry. 

Despite the laws of California, including this recent Governor 's Order of NOT Allowing any foreclosures XXXX  has hired a firm to attempt to file a NOD and move towards taking my real property under a false disguise that money is due, no rights remain to enforce the time barred lien. This has been over 14 years since Acceleration of the note. Despite this as fact, apparently XXXX is aiding and has been taking real property by false claims and time barred expired rights to enforce by any means, including foreclosure. Civil code 882.010-882.040 inclusive.
Product: Credit reporting or other personal consumer reports

There is a XXXX  account that needs to be removed from my credit file due to erroneous reporting which is a violation of the FCRA. I have the right to a fair an accurate credit report this account is not reporting accurately.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

Wells Fargo Card Ser with account XXXX XXXXXXXX, with a balance of {$4900.00}. The creditor has closed and canceled the account due to my financial hardship, I am asking the creditor to provide me with a XXXX to file my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st complaint 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$620.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Back in XXXX I contacted Bank of America for fraudulent charges posted to my account. They filed claims on my behalf and I NEVER received anything regarding my claims. This happened so many times I had to call to cancel my card and get new ones, still never getting my money backs. Finally in XX/XX/XXXX claims were filed again to which ONE claim # XXXX was resolved in my favor for {$390.00}. Claim # XXXX for XXXX XXXXXXXXwas denied! All transactions should have been one claim because they are the same merchants! How can one be approved and one denied?! Makes no sense. Also, in XX/XX/XXXX I was credited back the international transaction fees associated with the fraudulent charges with no letter, nothing. I have given BofA every bit of information requested and then some. I need my money back please!
Product: Credit reporting

Recently attempted to call and confirm another police report sent to Experian. 
Their current stance is we have not recived it ... .. 
XXXX requested a police report dated within the last 30 days so I submited this also to Experian to request FCrA 605b block of information. This nightmare had been ongoing for 3+ mo with them and despite numerous attempts to get hem to follow FCRA laws they refuse. They keep opening investigations. They refuse to supply me with method of verification and continue to place me at an unfair advantage when requesting credit. 
I ca n't get approved for a mortgage due to this account and it 's causing my entire family XXXX and hardship. I have every intention on pursuing legal actions if I do n't get this resolved. 
I am opening a duplicate complaint so I can submit the most reason police report. 
Experian had already recived ID and proof of address from recent disputes related to XXXX different addresses and XXXX name variations.
Product: Credit reporting or other personal consumer reports

I will like to file a complaint against TransUnion credit reporting agency with CFPB to investigate I have a issue with Transunion credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXX XXXX XXXX, Account # XXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account # XXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXXXXXX XXXX XXXXXXXX, same issue, XXXX XXXX account # XXXX This account was paid, Account status incorrect, XXXX XXXX account # XXXX, information inconsistent and inaccurate, XXXX XXXX XXXX account # XXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, XXXX Account XXXX XXXX  Account # XXXX inaccurate and wrong information and us bankruptcy XXXX  XXXX XXXX, and Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my credit report. None of the HARD IMPACT inquiries were made from me. I don't live in Michigan so I could not of tried to open any type of loan there. They were all done on the same day XX/XX/XXXX I think. Please look at the report I've attached and get these removed. I don't need these on my credit report. I'm trying to bring my score up and work to get the bad impacts removed. I need this done please. I don't reside in Michigan so I don't know who did this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX has that I owe them {$1500.00}. However the orginal creditor has that I owe them a complete different amout. Im confused, this debt is in question to me. Should all amounts be listed as the same or is XXXX XXXX  ingaging in some illegal collection tactics? Please explain such to difference to me so I can fully understand. 
Thanks in advance
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX provided services from XX/XX/2021 to XX/XX/2021, for which most of the bills were paid by my insurance. However they accumulated minimal unpaid amounts for my account. Once we found out, we paid the total accumulated balance of {$330.00} in XX/XX/2021. 
However they reported my account and me to the collection agency at some point in time and we had no knowledge about this, until recently when we applied for home mortgage. The collection agency had hit my credit score and brought my credit score from XXXX to below XXXX. Due to this we are now getting higher interest rate on the mortgage. After we found out this, we called the XXXX XXXX multiple times and provided the payment confirmation and requested that they give us a letter saying it a mistake or reserve this credit rating impacts. The manager spoke with us just once and agreed to take action and resolve this issue. But since then it been more then 1 week and the manager has been ignoring our calls. We requested to speak to the manager to just get an update on this situation. But the receptionist named XXXX never got manager on the phone. She keeps on saying she will pass on this message to the manager. Due to there mishap, they reported our fully paid account to collection agency and the collection agency damaged our credit score which will affect us financially now. The clinic is purposely ignore our attempts to get this fix with the collection agency and the credit rating agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely action and effective measures to secure my credit information resulting in XXXX $ used within XXXX minutes from when it was deposited. I was using Cash App as a bank in XX/XX/year> when my direct deposit hit my bank account and within minutes scammers accessed my information and stole my money. They used it at dollar generals and food citys. When I filed a complaint with cash app there was no one to help me. They said they are based in CA and had closed for the weekend. I continued to press the issue and they were unable to help me retrieve my money or give me any information. They left me vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTC ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I have a Golden 1 Credit Union checking and credit card accounts. I used their mobile app to transfer {$500.00} at about XXXX on XX/XX/2021 from my Golden 1 checking account to my Golden 1 credit card. Immediately the money was deducted from my Golden 1 Checking account, but it has been 32 hours and it has not shown up on my credit card account. Their customer service tells me that it can take up to 3 business days for the funds to be available in my credit card account. This is ridiculous. I could understand maybe 24 hours, but a bank should not be able to leave funds in limbo for 3 business days. This was an internal transfer, and it should be against the law for them to do this.
Product: Credit reporting or other personal consumer reports

XXXX  consumer report states 24 potential negative months with Discover Bank. This account original charge off date reflects XX/XX/XXXX, since this date either Discover Bank is reporting on several different dates ( 17 ) as charge off dates when it should only reflect 1 charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that Discover Bank has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Discover Bank has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XX/XX/XXXX-XX/XX/XXXX and it does not have anything from or for Discover Bank . Eitherway this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Product: Checking or savings account

I submitted an application with Bank of America on Thursday, XX/XX/XXXX and received an email within a minute that the application was approved. I was able to download the Bank of America app from the XXXX app store, access my account and submit a deposit. I was able to submit a mobile deposit approximately 75 minutes after the notice that the account was opened and received an email that the deposit would be received and the funds would be on hold until XXXX XXXX. The next day, XX/XX/XXXX, I was unable to login to the Bank of America app and called the number indicated. The call center employee told me that the account was closed and I would need to go to a Bank of America branch to open a new account and that my deposit would be sent back to me. I went to the XXXX XXXX branch on XX/XX/XXXX and was told that I could not present my ID due to BofA back office being closed on Saturday. A copy of my ID was taken and appointment scheduled for XX/XX/XXXX. Today, I received a call from the branch and was notified that I would need to come into the branch with my Social Security card prior to Saturday due to the back office being closed. At this point I will not be able to open the account as my card is at a different location and I have a job M-F. The branch told me to call a different department at BofA to remove the hold on my account so my funds could be sent to me. I called that department ( XXXX ) and was told that the account would not close until XX/XX/XXXX and that my funds would not be sent to me until that time. So BofA accepted my deposit on XX/XX/XXXX with an expected/disclosed funds availability of XX/XX/XXXX and I will not get my funds back until XX/XX/XXXX or XXXX at the earliest. This has been an exceptionally painful experience and I would never recommend anyone bank with BofA
Product: Credit card or prepaid card

I sent myself a transfer to my XXXX checking account from my Current account for {$1500.00} on XX/XX/XXXX and the transfer was canceled and shortly after my account was placed Under review with and email requesting documents on since XX/XX/2020. I sent over my DL SSN XXXX  ACCOUNT STATEMENT AND MULTIPLE REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on XX/XX/XXXX and it showed two late payments in XX/XX/XXXX and XX/XX/XXXX reported by Kia Motor Finance. I have never been late and attempted to correct this information by sending Kia Motor Finance two letters on XX/XX/XXXX and XX/XX/XXXX disputing this information as inaccurate. Kia removed the XX/XX/XXXX late payment but states that the XX/XX/XXXX is being reported as accurate and refuses to remove the incorrect information. I also provided Kia with a copy of my payment history from their website with both letters and they still will not remove the incorrect information.
Product: Debt collection

Portfolio Recovery Associates LLC, Has continued to collect debt that is inaccurate. The original creditor removed the account from all my credit reports for inaccuracy. I have countless times contacted Portfolio Recovery in XXXX and XXXX of 2019 to remove this account from all credit reports, as they have no validation for the debt and its inaccurate. They continue to pursue the debt without validation, and have not removed it from all 3 reports.
Product: Checking or savings account

Everytime I try to open a bank account it will not let me no matter what bank it is and this has been a problem for years now I just want to be able to open a bank account and save money again
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Quicklen Loan gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX, I logged into my bank account to check my balance and noticed that there was a total of {$210.00} sent in XXXX XXXX that was fraud/scam. There were XXXX transactions, ( XXXX ) {$100.00} charge, ( XXXX ) {$30.00} charges, and ( XXXX ) {$50.00} charge. I noticed this wasnt done by me and called Wells Fargo to try to dispute and get reimbursed, but all they could do was open a claim. I was told to wait 10 days for the claim to be resolved. I logged into my bank ( XX/XX/year> ) and the claim was closed and denied by Wells Fargo.