23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX my wife and I discovered massive fraud on our XXXX XXXX XXXX checking account. We researched our account and discovered the fraud all occurred using my wife 's checking account debit card. The card was a XXXX issued by XXXX XXXX XXXX. We notified XXXX XXXX XXXX of the fraud and gave them 12 pages of fraudulent transactions dating back to XX/XX/2022. XXXX XXXX XXXX informed us that XXXX would only allow the XXXX XXXX to refund two months of the charges, which came to about {$3600.00}. We had a total of about {$8000.00} in fraudulent charges so we are out over {$4000.00} still. I called XXXX to try to verify if the the two month rule was correct, and to see if XXXX would do anything to assist with our loss since the charges were clearly fraudulent ( almost all were XXXX XXXX  and XXXX trips in XXXX  and XXXX, we live in XXXX ). I spoke to someone who barely spoke XXXX, she gathered my info, and said she would transfer me to an " Account Specialist. '' Instead she blind transferred me into XXXX XXXX XXXX 's phone tree. I need help without that {$4000.00} we are in serious financial trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove these ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was scammed and robbed by Cash App. I called customer support using a phone number avilable on XXXX. The number was answered " Cash App '' and the person then began an eloborate scheme to rob me. At some point I was asked to supply another account number for a different bank account other than the cash app associated account. I refused and it seem to me that something was wrong. I went on the computer and my account looked unusual. I called the bank and my wife who unknown to me, was being scammed by another person at the same time. The bank told me to come in and file a dispute. I did and was denied after " an investigation ''. We went in again and we were told that we were complicit in the deceit and that the bank/credit union was not responsible. They further said that it was my fault because I gave the scammers the account number. When I indicated that when I call the bank I am requested to give my account number and I don't expect to be robbed. For me there was no difference. Ultimately, the bank/credit union refuses to return my money or cover my loss including associated fees totaling {$2300.00} XXXX hosts fraudulent and illegitimate phone numbers and ads. The credit union failed to protect me/my funds, my XXXX debit card. Cash App doesn't host a phone number for customer service and it is not obvious in their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently contacted XXXX XXXX  regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.
Product: Debt collection

I have tried to contact XXXX  and debt collector Porfolio Recovery Associates and the debt is still showing debt and open., other bureaus are not showing this debt. I do not owe this debt and never had it. It needs to be removed immediately! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incredibly difficult to work with in terms of freezing your credit for protection. Their automated systems are not working for me and it tells me to send in information or call customer service. When calling customer service, their automated phone system makes it literally impossible to navigate the menus and get to an actual person. I've called the phone system multiple times and tried different menu options and it still kicks me back and out and I can't talk to a human! I just want to place a freeze and confirm that Experian has my correct information on file, and I can't get help!
Product: Checking or savings account

From XX/XX/XXXX, XXXX XXXX, 2022 XXXX a recent widow, at age XXXX, I responded to a XXXX notice of payment. XXXX XXXX, at XXXX, told me I was being hacked, and to call my bank, XXXX XXXX XXXX. I called the number on the back f my debit card and asked for the fraud department. The fraud XXXX at XXXX  XXXX XXXX indicated that someone at my branch had sold my identity. I was not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us including where my grandchildren went to school. I did not know that the hackers had spoofed the bank phone number. 
My computers and phone were hacked. Without my authorization, these people emptied {$250000.00} from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. The hackers created a new links using all my identifying information. Most deposits and withdrawals were done by a linked XXXX  XXXX XXXX account. I was never notified that there was any large activity in my account. The hackers created an account in my name at XXXX  XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created, and XXXX  XXXX XXXX is culpable in the amount in those XXXX XXXX  Accounts of {$450000.00} For XXXX months, I was terrorized, metaphorically held XXXX with veiled threats of being followed, putting my children and grandchildren at risk. Since this shell game was done by entering my computers and phone, it looked like I had moved the money when in fact they ROBBED me of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX dollars ). 
I have a police report, FTC case number, FBI Report, a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida Attorney General and I will continue to add more such as XXXX for their sponsorship of XXXX by XXXX XXXX who has been the biggest, most rude and negligent of all the banks. 
I have been financially XXXX. I do not leave the house, I don't answer the phone, I have lost trust in the system and the hackers are winning when the bank personnel really don't investigate and don't protect their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF  EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

I had a mortgage account with Wells Fargo for many years and they gave my wife and I a hard time regarding our refinance. We initially bought our home in XXXX and sold it in XXXX. However, our mortgage company was Wells Fargo for about 15 years. How can I find out if I can start a claim for the XXXX settlement?
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this account is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS
ACCOUNT? I believe Hide full complaint you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX regarding a series of unauthorized hard inquiries that this company run on my credit report, without my consent or permission. This suspicious activity is additionally alarming as I am not a XXXX customer, nor have I been shopping for XXXX service. Having been the victim of identity theft within the last 2 years, I am deeply concerned that these inquiries may be a sign of credit fraud. These hard inquires negatively impact my credit score and stay on my report for up to 2 years. TransUnion informed me that two unauthorized inquiries were run by XXXX within about 2 weeks of each other, the second one occurring after I had placed a fraud alert on my credit report ( which supposedly requires companies to verify a consumer 's identity before running a report - XXXX did not follow this security protocol ). The first hard inquiry occurred on XX/XX/18, the second on XX/XX/18. Because of this unauthorized activity on my credit report, I've had to place a security freeze ( cost : {$10.00} ) on my credit report so as to prevent XXXX from running further unauthorized reports. Upon calling XXXX ( and speaking with their highest level of customer service ), I was informed that they could not do anything about the unauthorized activity, nor prevent future occurrences ; they provided little help or guidance. I have spent hours speaking with reps from XXXX and have gotten nowhere. TransUnion requires a documented complaint from the BBB in order to fully investigate this unauthorized credit activity and remove the hard inquiries from my file. My TransUnion complaint ID is XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has allowed someone to open several fraudulent accounts that have went to collections. This unfortunate circumstance has effected my life in more ways than one. This needs to be removed from my credit report within 7 days.
Product: Debt collection

I worked extensively with XXXX XXXX ( Insurance Business Manager, License XXXX ; XXXX ) between XX/XX/XXXX and XX/XX/XXXX to resolve a short rate cancellation fee that XXXX XXXX was trying to charge me for a policy that I cancelled due to bad faith practices on behalf of the insurance company ( false information by an insurance agent to get me to purchase insurance with the company ). I sent a letter to the company on XX/XX/XXXX detailing all of the issues and requesting assistance with settling this and did not receive a response. XXXX  along with several other agents and supervisors that I spoke with agreed that the agent 's conduct was unacceptable. XXXX told me he would work to resolve the short rate cancellation fee. He told me there was a round table meeting with management to determine if the request would be approved. XXXX later told me the request was approved and the only fee XXXX would charge me is the membership fee for the period in which I was covered by them, an amount of {$47.00}. I called accounts receivable to process the payment by phone on XX/XX/XXXX and was told the request hadn't been processed and it shows that I still owe the full short rate cancellation fee. I then contacted XXXX again, who assured me it would be handled and to only pay the {$47.00}. I recontacted accounts receivable on XX/XX/XXXX and made the payment of {$47.00}. I repeatedly expressed to XXXX and other agents and supervisors that I did not want this account to go to collections and would pay the fair amount that I owed them of {$47.00}. Given XXXX assured me after paying this amount the account would be resolved, I no longer checked in with XXXX. Approximately one week ago I began to receive daily calls from Southwest Credit Group ( XXXX ; XXXX ). Today, XX/XX/XXXX I called Southwest Credit Group back and determined they were a debt collection company for the debt that XXXX reported to them that I owed. I explained I paid what XXXX told me needed to be paid and requested information on how to dispute the amount owed. The agent refused to give me information on how to dispute. I then attempted to contact XXXX directly via phone and email and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections item listed on my Equifax Credit report from XXXX XXXX XXXX, XXXX that was listed XX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both Equifax and XXXX XXXX XXXX asking for Validation of the debt. The confirmation number for the dispute for Equifax is XXXX. I received a letter in the mail from Equifax dated XX/XX/XXXX stating the debt was verified as belonging to me. I called XXXX XXXX XXXX at XXXX. The representative from XXXX XXXX XXXX stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX  '' for a request of validation and has not yet received a response. I called Equifax Customer Service and spoke with a supervisor named XXXX who refused to give me her initial of her last name who stated that XXXX XXXX XXXX responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised XXXX that I called XXXX and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that Equifax is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called XXXX XXXX several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter.
Product: Debt collection

1- fbcs inc XXXX XXXX XXXX XXXX Suit XXXX, XXXX XXXX XXXX XXXX XXXX ) sent my letters to connect {$10000.00} 2- fbcs calls me twice per week phone # XXXX XXXX time XXXX XXXX and XXXX time XXXXXXXX XXXX XXXX I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only
Product: Debt collection

This company tryed to collect a debt that was deleted from XXXX after a investigation from XXXX found them to be in violation.
Product: Credit card

Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed. ''