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

Experian was notified that I was a victim of Identity Theft. I supplied Experian with my identity theft documentation as required per the FCRA Law to notify the credit bureau you have been a victim of identity theft. Experian refuses and continues to allow fraudulent INACCURATE information be reported on my Experian Credit file this information was a result of identity theft. I spoke with these creditors as well, and Experian advised me they received enough information to unblock these account ( s ) and that they ( Experian ) Do not have to block fraudulent information from my credit file regardless If these were the result of identity fraud or not. These Accounts were and are as a result of identity theft. As Stated to Experian. I never lived at the address they are listing, not only did Experian report fraudulent employment on my credit report due to these fraudulent accounts, they also decided to report a fraudulent address on my report and refuse to block it because it's related to these THREE FRAUDULENT account 's only. These companies are XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. These are listed on my identity theft affidavit which was submitted to the XXXX, Texas Police department as well as Identity Fraud. I did not receive any cards, information, nor account related documents from these companies. I DID NOT visit their branches. I have attempted to call these companies and I was threatened violently from XXXX XXXX XXXX XXXX advising me they would come to my home and " Find Me '' In addition, these accounts were opened at the same time my wallet was stolen, matter of fact right after. I didn't notice these until 2018 in which time I reported these. Not only is Experian reporting fraudulent inaccurate consumer statements which I never even made, they are also allowing these damaging accounts to be reported on my credit file. The Limit 's are inaccurate they are reporting these accounts as new debts and not following the FCRA laws. I have provided updated PROOF of Identity theft. I even provided the officers name to the credit bureau in which they refuse to block the information and their specialized fraud services continues to tell me they can't block it and they do not care there is nothing they can do about these accounts. There is two Credit cards from XXXX XXXX XXXX XXXX both fraud inaccurate limits reported, inaccurate accounts reported, and inaccurate address being reported, and One Line of Credit Account which is also fraudulent from a XXXX XXXX XXXX XXXX XXXX. Neither of these companies would give me any information, I was not given a member number, and I am not allowed to login to their websites and they refuse to assist me at all they will not even provide me with the address these cards were sent to as I never received them. I assume these were sent to XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, Tx XXXX Because that is what is reporting for these fraudulent accounts which I never lived at.
Product: Checking or savings account

I spoke to a representative XX/XX/year> over live chat at XXXXXXXX XXXX through Navy Federal regarding being hit with an overdraft fee that transpired on my account due to transactions posting a week/days later that were made when the funds were in my account but once posted my account balance was in the negatives. 

She told me that a transaction that I made transferring money from my account to XXXXXXXX XXXX caused an overdraft on my account then money was taken from my savings account to cover the overdraft balance without my knowledge I called to speak to a representative over the phone ( I have a call recording ) XX/XX/scrub>XXXX XXXX XXXX XXXX & she stated that it was a different transaction that caused my account is be overdrawn than the transaction that the representative I spoke to earlier in the day told me which was very strange/suspicious Transactions I made a week ago just posted today XX/XX/year> along with transactions that I made days ago. I had the funds at the time when all these transactions were made yet they charged me extra fees & even refunds I was supposed to receive back to my account disappeared after it stopped pending with no trace ; the funds from the refunds were never put in my account to begin with either so they just taking my money left and right with no valid explanation as to what is going on
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand these accounts be deleted from my consumer report.

Thank you, Sergio Cruel
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 46 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 46 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent a wire to my attorney 's office XXXX XXXX XXXX XXXX. I did not know that someone had hacked their email address and altered the wiring instructions. on XX/XX/2021 the attorney reaches out to me to tell me they did not receive the wire. It was at the moment we realized the wire instructions were fraudulent. The money had gone to Wells Fargo from XXXX XXXX. I immediately reached out to both XXXX XXXX and Wells Fargo. XXXX XXXX was extremely helpful and began contacting Wells Fargo as well. 
Wells Fargo was NOT HELPFUL AT ALL and still is not being helpful. They will not even return my calls anymore, and the issue is not resolved. 
Myself and the Bank contacted Wells Fargo on XXXX through multiple channels... the wire department, the fraud department, a local branch, voice messages, emails, etc. When I finally was able to speak to someone they gave me a " timeline '' of events and told me that we notified them on XXXX but that they did not start working on it until XXXX. Why would they wait that long? 
A friend in the banking industry had a contact at Wells Fargo who told me that because the name on the account was an individual 's account and the beneficiary of the wire was a business, this threw up a red flag. That admittance had me HOPEFUL. 
XXXX in the Fraud Department finally tells me " on a recorded line '' that they are REQUIRED by Regulation J to accept a wire even if the beneficiary does not match. I have since found out that is completely false. They CAN accept the wire, but they do not have to as she stated. 
XXXX XXXX recalled the wire and Wells Fargo only returned {$200000.00} of the {$350000.00} that was sent to them. They said the other funds had already gone out including two large checks that were cashed, one to the account holder himself. They took absolutely no action to try to stop or get that money back even though they knew it was fraudulent. 
We are working with our local police department, and they have even told us how unhelpful Wells Fargo is being in helping solve the case and recover our funds. They have a search warrant that was provided to WF, yet still they are not helpful. 
I would like someone to CALL ME. Once XXXX told me the {$200000.00} was coming back, she was done with me. She will not return my calls or answer my messages and my questions about the remaining. 
I have never felt so poorly treated or dismissed by a financial institution. I feel like I am being discriminated against because I do not have a lot of money and am not a rich person who can make them a lot of income. Because they know {$350000.00} is my entire life savings, they could care less about me and my problem. If I had millions of dollars in their bank, I am sure I would not be treated like this.
Product: Debt collection

Repeated phone calls to my place of employment despite repeatedly being told I was at risk of being fired from my job by receiving such calls at work.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO Core Logic. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! LCI Consumer Center is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' LCI Consumer Center is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( LCI Consumer Center is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency LCI Consumer Center does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to LCI Consumer Center to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' LCI Consumer Center Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. LCI Consumer Center is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It XXXX Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 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  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX XXXX, I contacted the Macy 's Credit Card Customer Service to ( 1 ) address a late charge that was charged on an account I continue to pay off in full and ( 2 ) to dispute a charge that was made on XX/XX/2023 for a transaction amount of {$47.00}. 

I did not authorize this transaction and the order did not align with my purchase history on my Macy 's account. I requested additional information about that particular charge and the representative could not explain who it was that made that charge or where the items were shipped to. The only information I was able to get was that it was an online purchase so I knew my account number had been compromised. The late charge was reversed and the dispute was filed. 

I was told that the compromised account would be closed and a new card would be issued. I received a letter that I would not be liable for the charge until the investigation was completed. However, that {$47.00} is reflected as the balance on the old account and was also transferred over to the new account. Additionally, I made a payment of {$210.00} which was the total balance at the time and the payment posted on XX/XX/XXXX. 

However, on XX/XX/XXXX that same amount was transferred on to the new account as a balance transfer. This is unfair, abusive and deceptive to double charge an amount that was already paid off the prior month. I called back on XX/XX/XXXX at XXXX XXXX and spoke to multiple representatives for a total of 1 hour and 43 minutes. 

The representative explained to me that the {$47.00} was reflected on my total balance even though the account activity shows as if it was credited. The math that was explained to me does not add up and I expect a clear, thorough, and accurate explanation as to how my current balance totals up to {$270.00}. Additional purchases/charges made on the account does not add up to that total. I am questioning Macy 's credit card accounting practices -- it is not credible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX., - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for an amount of {$400.00} now {$600.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been contacted via certified letters, and phone several times now. They are refusing to remove the XXXX XXXX XXXX. 

This is a massive error not only in their part but on XXXX XXXX 's part. 

Both TransUnion and XXXX XXXX have been insisting that this chargeoff debt is MY debt. I've asked them to PROVE to me that it is my debt and they have been unable to. 

As you can see this debt is in the name of XXXX XXXX not XXXX XXXX. I am not XXXX XXXX. 

Also, this is a HIPAA violation. I will be reporting this HIPAA violation to https : //ocrportal.hhs.gov/ There they can deal with the issue of sending over someone's personal medical information over to a third party .... Trans Union. 

This complaint is filed in response to the last decision Trans Union made which is to NOT remove XXXX XXXX from my credit report. the letter dated XXXX from TransUnion. 

This is bad on many levels. 

This complaint is filed in response to the last decision Trans Union made which is to NOT remove XXXX XXXX from my credit report. the letter dated XX/XX/ from TransUnion. 

attached you will find a document where it shows a name that is NOT mine on this medical debt from XXXX XXXX and the name on my social security card. Its not a match.
Product: Debt collection

I do have a credit account with XXXX XXXX XXXX XXXX which was past due. I do not deny that. However, they have repeatedly called my in laws to collect payment and I do not reside with them and am also (obviously) not blood relatives of theirs. It is my understanding that if they've contacted a "relative" once and established that they do in fact have the proper number and email for me (which they do and it is NOT the same as my in laws) that they are to no longer contact them again. They have done this in the past and I've contacted them regarding the matter. They continue to call excessively. Again, I understand my part in the matter but it is my debt to pay not persons unrelated to me.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.