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

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance XXXX {$4800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the  attached credit report. ) I purchased this equipment up front so my contract with XXXX should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.
Product: Credit reporting

The item in question is a bill for a missed doctors appointment XX/XX/2011. I refused to pay it because I called them and cancelled the appointment two days before and even showed them the call on my cell phone bill. Other than that I have perfect credit. Regardless, it 's XXXX years old so it should be removed and I stated this in the dispute. XXXX and XXXX removed it. Equifax replied that they verified the debt as mine and closed my dispute. I never said it was n't mine, I said it was over 7 years old and submitted the original bill as proof that the collection agency sent me clearly showing the date. Even the collection agency admits it 's over 7 years old but they do n't care.
Product: Checking or savings account

On the morning of XX/XX/XXXX I went shopping at a XXXX XXXX on XXXX and XXXX XXXX and XXXX XXXX XXXX, later that day Between XXXX I stopped at chase on XXXX XXXX XXXX to take out XXXX for my rent I got on the train after I got off on XXXX XXXX XXXX XXXX walked to XXXX to my mother house and at XXXX I received a chase text alert I replied no once I seen the message and immediately called chase bank to dispute the charges. At the advice of my sister After Work I went to the precinct by my house on XXXX they told they couldnt take my report because it didnt happen in that area, they referred me to another precinct who also sent me to a different precinct. I got in touch with the district attorney office and they referred me to the correct precinct where I filed a report. The detective a signed to the case wasnt any help and even told me a case like this is like baby sitting to him. The last I spoke with chase they said that during the times the money was being taken out I was also shopping in stores which is not true because I was at my moms house I told them the only stores I went into was XXXX XXXX   XXXX XXXX. I have spoken with 4 chase representatives and they have stated that the daily limit to withdraw at a atm machine is between 8-1000. I myself had to go to a teller to take my rent money out which was XXXX, so how can XXXX come out of a atm machine in such a bad area of XXXX? And why would chase only send me a text alert asking about 20 dollars when all together it was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that my Bankruptcy be removed from my public record. I show proof that the United States Bankruptcy Court does not furnish this information to the credit bureaus. I provided this to the XXXX  and Experian. They refuse to provide me with the information who reported this to my report and refuse to remove this from my report. I request that the Bankruptcy be remove from my credit report.
Product: Checking or savings account

on XXXX we formally with a fax provided by the company, and acknowledge by them.they continued to take money from my account amounting to over {$5000.00} .They were granting a refund, but at the end refused to return the money. tried on several ocassions to reach a supervisor.
Product: Prepaid card

On XX/XX/XXXX my husband and I received a One-Time Contribution from CA Middle Class Tax Refund in the amount of {$1000.00}. On XX/XX/XXXX I went to the XXXX  XXXX XXXX near my house in XXXX XXXX, to withdraw the XXXX amount possible of {$500.00}. I was successful in withdrawing the {$500.00}. My balance after that was {$540.00} after some fees were applied. A few days later, I attempted to withdraw another {$500.00} at an ATM in XXXX, which is the city where I work. The ATM did not release the money. I was confused and assumed user error, so I tried at another ATM, and again nothing happened. It said there were insufficient funds. I knew there was a balance of over {$500.00}, so I was very confused by this. I then called the customer service number XXXX to see what my balance was. The automated service told me that the current balance is {$21.00}. I started doing some online research, and saw many news stories of funds being stolen from the CA Middle Class Tax Refund money network cards, and realized I was a victim of this as well. I have faith in government programs and that this would be resolved, so I didnt act on it right away. 
On XX/XX/XXXX I called customer service and filed a dispute. The customer service representative told me there was a transaction on XX/XX/XXXX for {$520.00} in XXXX. This was XXXX day after my card was activated and money had been withdrawn. The charge or withdrawal of {$520.00} in XXXX was NOT done by me or my husband. The card was with me the whole time, so the card itself was not stolen. I dispute this transaction of {$520.00}. Following up on this, I was recently told that my dispute was denied and closed. How can this possibly be closed and denied? It is clear that the hackers/ spammers were jumping on funds as soon as the card was activated and used, and this is what happened to me and my family. Ive included a list of the transactions to clearly communicate the dates and transactions that are being disputed and appealed. 

XX/XX/XXXX {$1000.00} One-time Deposit CA Middle Class Tax Refund ( Balance {$1000.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$1000.00} ) XX/XX/XXXX - {$500.00} Withdrawal XXXX XXXX ( XXXX {$540.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$540.00} ) XX/XX/XXXX - {$520.00} charge*TARZANA XXXX XXXX ( DISPUTE THIS XXXX ) ( Balance {$21.00} ) I am filing this complaint to recover the {$520.00} that was stolen from my account on XX/XX/XXXX in XXXX. I filed a dispute to Money Network and it was denied. If you need any further information, please let me know and XXXX happy to provide it. Thank you for your time and effort in this matter.
Product: Credit reporting or other personal consumer reports

the following accounts were open fraudulently while i was in federal prison XX/XX/XXXXXXXX XXXX AMOUNT XXXX XX/XX/XXXXL amount XXXX XXXX XXXX AMOUNT XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXX XXXX Amount XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXXXX/XX/XXXXAMOUNT XXXX XXXX XXXX AMOUNT XXXX I WAS XX/XX/XXXX FOR THE LAST 17 years in the XX/XX/XXXXTHERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!
Product: Debt collection

Yes I recieved a debt from XXXX XXXX which I have not been apart for atleast 10 years for XXXX dollars. I have recently been aware that someone may have stolen my identy and have already placed a credit hold on my credit report. I have already proven to one other debt collector that it was not me that took out a loan. I would like any records sent to me with account ending XXXX. So I can also prove this debit owed is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORM THESE COMPANYS THAT I HAVE NEVER DONE BUSINESS WITH THEM OR SIGN FOR ANY PRODUCT OR SERVICE YET THEY ARE STILL REPORTING THESE ACCOUNTS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX reporting negative information that is not legal according to 15 US Code 6802 ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  fraudulently let someone charge up my account. They contacted me saying I owed then XXXX I had auto pay set up and they had taken out XXXX on XX/XX/2023 then another XXXX XX/XX/2023. I told them I have not used the card at all and they just took money out of My account. They said they never recieved any payments. I asked them to open a dispute for the fraud purchased on the account I didn't do. They did. The next day they called me and said I owed XXXX and it was past due. I told them there is no way. Now on my credit they flagged my account past due XXXX!!!! I don't even own a XXXX phone to use the card!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY  XXXX  CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM EQUIFAX AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally lodge a complaint regarding an error I have discovered on my credit report. Upon reviewing my credit report I noticed the following discrepancy : account information, wrong payment history, incorrect credit inquiries, etc. 
This error is adversely affecting my credit score, and I believe it is a result of inaccurate or outdated information. I request that you investigate this matter and take the necessary steps to correct the information as soon as possible. 
Please let me know if you require any further information or documentation. I expect a prompt response, as this issue is crucial to my financial wellbeing. I would appreciate it if you could confirm the steps taken to resolve this matter and notify me when the corrections have been made to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows a bank loan, paid off months ago, as still active. This caused a DENIAL of Credit on a new loan. I called Experian TWICE and after being ON HOLD for 20 and 50 MINUTES, respectively, I'm told " they're working on it ''!! BUT, NOT RESPONSIBLE for " inaccurate info FROM LENDERS ''! WHY NOT? You report it as GOSPEL!! Filed online dispute which was REJECTED as 'unsolvable Online ' THEN why HAVE Online?? WHAT if some DON'T HAVE ONLINE access to start with?? IT becomes excessive wait-time phone " required '' calls! I want the GOVT to take action to see that : ( 1 ) Consumers don't WAIT A LIFETIME on Phone for URGENT complaints. ( 2 ) Phone bank personnel must speak FLUENT English! ( 3 ) Email addresses MUST be provided with each Dept requiring issue { s } RESOLUTION! ( 4 ) The above is tip of iceberg in today 's " Customer Non-Service Era '' ESPECIALLY GIANT businesses such as Banks and XXXX!! THEY MAKE Billion $ OFF Americans and wont PROVIDE real CONTACT PROVISIONS! LAW ( s ) must be enacted, AND enforced, to correct Arrogant Avarice.. THEY HAVE plenty OF $ $ $ TO hire adequate staff! Don't believe it's possible? Check any BIG company website and SEE FOR YOURSELF! 
My daughter going through SAME with XXXX! FIND A VALID email or DIRECT HUMAN contact phone there! And its about FRAUD {! } on her ACCOUNT!! PERFECT Example! NO REAL " CONCERN '' for their SYSTEMS ' failures! They " GOT THEIR MONEY ''!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX I am filing this complaint about an incorrect item on my credit that is affecting my credit negatively. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, make a fraudulent payment on XX/XX/XXXX, for a car account that was closed in XXXX to maintain my credit affected. 
Have more than XXXX  years of this account was closed and still appears in my credit report of Equifax
Product: Credit reporting or other personal consumer reports

This is supposed to be updated to current. Please update my accounts to current account just like XXXX did. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is showing my XXXX account 30 days past due. This is inaccurate information. I have never been late
Product: Credit card or prepaid card

I got alert on the XX/XX/2021 on my XXXX  credit report ENQUIRIES that a credit car is being applied for on my information which I never did. This credit card application is linked to Chase Bank. I dont know whos using my information to apply for credit cards which is totally fraudulent and I want quick actions to be made to the address that the credit card is applied with and bring who ever did that act to book. This is how crime start and Im not in support of anything crime. 

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

Bank Of America reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ).  I have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail. Bank of America shows on the report with the telephone  XXXX  and address of Bank of America  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from bank of America Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my reports  ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I woul d not have been  XXXX  in  2004. This  account  XXXX   XXXX  and Bank of America need to be removed for many reasons ans the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Product: Payday loan, title loan, personal loan, or advance loan

I needed a loan to help cover a bill for XX/XX/XXXX so on XX/XX/XXXX I put in for a loan. I was directed over to XXXX XXXX where they gave me a loan for {$1000.00}. The called me before signing just to let me know when my first payment would come out but I did not receive payment schedule or disclosures until after. I looked at them and realized it says my interest rate is 670.99 % which i would have never agreed to and no one disclosed ahead of time.
Product: Money transfer, virtual currency, or money service

Several transactions were made through XXXX XXXX XXXX and XXXX XXXX for a scholarship program to one XXXX XXXX amounting to {$11000.00} as a representative of a XXXX XXXX  program. All details have been submitted in previous complaint. Should you need more information, I am ready to provide.Zelle as a responsible financial platform failed to federally insure customer transactions as such, zelle is using its platform to continue to defraud American Citizens. Kindly further investigate zelle for their actions in defrauding citizens thereby making our nation very unsafe because, when citizens savings are defrauded through a platform that is responsible for defrauding citizens of their savings. These issues needs to be further investigated I'm expecting zelle to refund my money and also expect your institutions to continue to investigate my case for a refund as they failed to federally insure transactions which is a deliberate action to defraud citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with XXXX XXXX XXXX was included in a chapter XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that XXXX XXXX XXXX had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called XXXX XXXX XXXX, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my Equifax and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX XXXX XXXX, Google Pay threatened to retaliate against me for reporting criminal employee financial misconduct. There was an errant and duplicative Google charge that errantly went through even though I had already paid for the service. A rogue and corrupt Google employee unilaterally decreed herself higher than law and said there was nothing I could do about her felonious criminal misconduct. Google Pay then attempted to criminally extort me by threatening retaliation for reporting criminal misconduct to my bank- a federal obstruction of justice felony offense. Maybe they believe they can bribe the right people at the Department of Treasury.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit.