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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX XXXX  for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file.XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required XXXX XXXX for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX XXXX XXXX.. and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute two fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX and Auto Trakk , LLC, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit score and financial standing, preventing me from obtaining legitimate credit. 

Details of Disputed Accounts : 1XXXX XXXX XXXX XXXX XXXX Charged-Off ) Amount : {$20000.00} Account Type : Charged-Off Account Status : Repossession Reason for Dispute : Fraudulent account due to identity theft 2. Auto Trakk , LLC Account Amount : {$6600.00} Account Type : Repossession Account Status : Past Due Reason for Dispute : Fraudulent account due to identity theft I am attaching my FTC Identity Theft Report as supporting documentation. As a victim of identity theft, I am protected under several federal laws, and I request that both entries be removed from my credit report : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the FDCPA and should cease immediately. 

I respectfully request that the CFPB and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Product: Debt collection

I received a statement in the mail from this " Credit Collection Services '' several months back so on the very first letter I immediately took action & called them I told them I did not recognize this account & it was not mine & they needed to stop harassing me & to cease & desist and whoever I spoke to on the phone apologized for their mistake & said they would remove this & not call me or mail me stuff anymore. I wish I would've gotten their name cuz I THOUGHT that was the end of it. A few months later I got something in the mail AGAIN, so I had to call a SECOND time & AGAIN whoever I spoke to on the phone said sorry for the inconvenience & that they would not be bothering me anymore. 
Now last night I get a notification from XXXX that I now have a collection on my credit report!!??? 
I DO NOT recognize " Credit Collection Services '' as an authorized creditor nor do I have any contract or agreement with them, unless they can produce an original instrument for what ever this so called debt they are trying to collect on from me in the amount of {$83.00} then this so called debt should be NULL & VOID. 
Produce an original instrument OR remove this harmful & false information from ALL credit reporting agencies which you have reported me to asap or I will be seeking any and all legal avenues & seeking compensation for financial damages.
Product: Bank account or service

On XXXX XXXX, 2015 at XXXX ( cst ) I requested a stop payment be placed on an ACH debit that was due to hit on XXXX XXXX, 2015 in the amount of {$250.00} from a company called XXXX. I was given a reference number, XXXX, that the stop payment order was in placed. 

On XXXX XXXX, 2015 I check my online account and saw that the above reference item was pending. At that time I spoke to another customer service person and requested that the stop payment be placed on this item ; they confirmed that it was and provided me with the following confirmation number : XXXX. As I reviewed my account today I noticed that XXXX separate insufficient funds fees totaling {$140.00} had been debited from my checking account. I immediately called and requested that those fees be reversed because they were generated solely due to Wellsfargo Bank 's failure to honor the original stop payment request I made on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 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. 
XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were over 20 inquires place on my credit report from XX/XX/2021 up until the current date. I have called Transunion about this issue asking to have them removed as I only authorized 1 credit check from XXXX XXXX as that's who financed my car loan. They refused to remove these inquires as they state I have to contact these agencies myself. I contacted them and they all stated they can not find an account for me which I also shared with Transunion. I have a fraud alert placed on my credit reports.
Product: Credit reporting

When I applied for a mortgage loan I found out that there were XXXX items on my credit report related to medical bills. Both items have been paid in full through my insurance and the balance paid by me. Yet both appear on my credit report as a debt that is in collections. I have checked with both offices and they indicate a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Macy 's credit card they changed it over to a Macys XXXX XXXX. In XXXX i paid off the statement balance. Recently, I though i used my credit card to purchase a skirt for my husband 's funeral. i had not gotten a bill and six weeks passed. I contacted them and they stated that yes i owed them {$58.00} for a {$22.00} skirt and interest that was billed after i paid off my card. I keep getting oversees call centers which are saying i that i don't have paperless billing but have not received bills. They reported me as over 30 days late and have not sent bills. I have gotten coupons no bills from Macy 's I have tried to resolve the issue for two days and keep getting oversees call centers that can't help me. My online access also shows a XXXX balance on my credit card. No one bothered to call me to say hey your late. I was told that is a courtesy. they have refused to assist me in resolving the issue to get a bill so that i can pay it but have reported it to my credit causing me to have negative credit when my credit was perfect.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized InquiryTo Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I contacted ( CREDITOR/FURNISHERS, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation
Product: Credit card or prepaid card

Applied and was approved for an XXXX XXXX XXXX  credit card. The APR is based upon your credit score. My current credit score is XXXX. 

XXXX XXXX sent me the card with my credit score listed at XXXX and assigned an APR of 27.24 %. This is a total scam. 

I have cancelled the card, but I hope you investigate this terrible company
Product: Mortgage

My mortgage was transfer from XXXX to SN Servicing on or around XXXX XXXX i am currently in a bankrucpty Chapter XXXX and have been payng montly payments every month. In XXXX I have received statements stating I owe of {$14000.00}. I have contacted SN Servings many of times in reference to this matter. See time- line below and what was discuss : XX/XX/XXXX, XXXX Receive a Post-Petition statement showing a balance around XXXX. 
I called spoke to Representative in reference to post petition she said my loan was just transfer over and because of COVID it would take some time to receive a correct statement. Also, someone from the bankruptcy department will return my call. 

XX/XX/XXXX, XXXX I contacted SN, I spoke with informed Rep. I called on XX/XX/XXXX and no one never returned my called. I was transferred to bankruptcy XXXX. XXXX XXXX left a detailed message in reference to this matter. 

XX/XX/XXXX, XXXX Received a call from XXXX XXXX XXXX I informed her I made every payment to XXXXXX/XX/XXXX and I can prove every payment was made. She said it was not necessary to prove my payments at that time that she was going to do a reconciliation of my account and get back to me two weeks. 



XXXX XXXX I called SN spoke with XXXX XXXX informing her I spoke with XX/XX/XXXX in reference to the reconciliation. She did see anything in computer and again XXXX is my representative and she will get back to me. 

On XX/XX/XXXX, I received an Affidavit of Default for the month of XXXX, XXXX, and XX/XX/XXXX. Below are the dates and the amount of payments made to Sn Servicing and was debit from my bank account ; XX/XX/XXXX SN SERVICING DEBIT XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Factual Data and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i been reporting these fraudulent accounts to the three credit bureaus for a while and still havent removed them from my accounts XXXX XXXX experian
Product: Debt collection

WAKEFIELD & ASSOCIATES ACCOUNT # XXXX They have continuously harassed me regarding a fake debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. by email, telephone and text. The supposed debt they are attempting to collect is, in my less than humble opinion, a classic case of potential XXXX fraud. As such, I have contacted XXXX XXXX XXXX Department, the XXXX XXXX XXXX XXXX, and the XXXX. 

On XX/XX/2022, I visited the emergency room of XXXX XXXX XXXX XXXX and was seen by the ER nurse which resulted in a XXXX billing of {$1900.00}, in two parts of {$1900.00} and {$70.00}. The bill was paid in full by XXXX and my supplemental insurance carrier, XXXXXXXX XXXX XXXXXXXX, in accordance with negotiated payment guidelines. 

Now, XXXX is attempting to collect the XXXX billing a second time but in a total amount of {$1900.00}. Duplicate billings of this nature constitute possible XXXX fraud - period! 

I have spoken to XXXX who appears, at least to me, to delight in their juvenile attempt at fraud. While Wakefield & Associates may be an innocent bystander in possible attempted fraud, an additional billing for the same service provided only once is still possible fraud.

The proof of payment is attached and shown on page 3 of 6 of the Explanation of Benefits taken directly from XXXX website. 

I am successfully retired as a XXXX XXXX XXXX and not an uneducated village XXXX. I understand XXXX XXXX and XXXX extremely well. I have a current XXXX credit score of XXXX out of a maximum possible score of XXXX. So trust me when I say that any further collection of a fraudulent billing by either XXXX or Wakefield & Associates or fraudulent entries to any of the three major credit bureaus will be met with a personal and professional injury lawsuit which I am more than capable of affording. 

XXXX should be prosecuted for attempting to participate in possible XXXX fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting my 7th CFPB complaint to you today requesting that the Credit Reporting Agencies remove the disputed fraudulent information from my Credit Report. I have been disputing the fraudulent accounts and information from my Credit Report and it is clear that the Credit Reporting Agencies are not willing to comply with my requests. The Credit reporting Agencies continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Also, I have read that the Credit are required to remove the disputed accounts and information that resulted due to the identity theft. I am submitting this XXXX Complaint to request that the Credit Bureaus remove the fraudulent accounts and information completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX White XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00}
Product: Debt collection

Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above. 

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. XXXX, Equifax, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information.

As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given Equifax, XXXX, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by Equifax and XXXX is without my permission and is against the law. 

Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, Equifax, and XXXX are failing to maintain these procedures. 

Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, Equifax, and XXXX.
Product: Checking or savings account

I at first did authorize the company " XXXX XXXX '' to charge my bank account utilizing my debit card in the amount of {$XXXX} in exchange for a service they were to provide to me namely providing me with an unlock code for my cellular phone. After waiting past the period of time I was told it would take for them to provide me that service without them ever providing it, they again charged my card an additional {$XXXX} without my authorization. So at this point I have been charged {$XXXX} for a service that I never received. I then contacted my banking institution to dispute these charges and was told it would be handled in XXXX business days and if it wasnt done investigating at that time, a provisional credit would be issued. After waiting XXXX business days and never receiving a credit or any correspondence from my bank, i proceeded to call and speak with the dispute department. I was told the investigation was still underway and by the end of day would have a provisional credit. The next day I still had not received a provisional credit so I called the bank again and was told I would have to wait XXXX to XXXX  days for the investigation to finish and was not going to be issued a provisional credit. According to regulation E, since this was a fraudulent company taking money from my account unauthorized, ( the {$XXXX} charge ), and because I never received the service I was told would be provided for the {$XXXX} charge, I am entitled to a dispute where an investigation takes place and if it takes longer than XXXX business days then im entitled to a provisional credit. The name of the banking institution is XXXX XXXX XXXX, XXXX. utilizing my card.com account.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A sections 2 : it also reports a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.