23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The same Fraud Department that investigated & Confirmed UNAUTHORIZED TRANSACTIONS XX/XX/XXXX {$470.00} ALSO CONFIRMS NO FRAUDULENT ACTIVITY XX/XX/XXXX AND COLLECTS ON FRAUD. See attatched XX/XX/XXXX XXXX CREDIT   CARD FRAUD CLAIM LETTER Claim date XX/XX/XXXX **** AFTER INVESTIGATION which took a year to Complete *** UNAUTHORIZED TRANSACTIONS CONFIRMED in amount of {$470.00}. Futhermore XXXX out sources Fraud. Consumer never able to speak directly to decision makers. They are kept hidden. A different source than XXXX MUST CALL CONSUMERS BACK ON PHONE FOR RESOLVE and they have not called me to resolve in two years. Futhermore : XXXX has Not RESOLVED FRAUD ON THIS ACCOUNT OR Provided Permanet Fraud Credits & COLLECTS ON this ID THEFT case XXXX See Attatched XXXX REVIEW OF THIS CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY IS FOUND?? The same department consumers unable to contact Confirmed UNAUTHORIZED TRANSACTIONS & Confirmed NO FRAUDULENT ACTIVITY SO XXXX NEVER PROVIDED FRAUD CREDITS. I have been held liable for this UNRESOLVED FRAUD Since XX/XX/XXXX. XXXX DOES NOT RESOLVE FRAUD. ** And I discovered ** I did Not Open this credit card account XX/XX/XXXX, XXXX was opened FRAUDULENTLY.
Product: Credit reporting or other personal consumer reports

Several hard inquiries that were not authorized or permission given to run my credit, they are as follows. Credit bureaus have been contacted to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 3 inquiries, only valid run is XXXX
Product: Student loan

I have attempted to contact MOHELA on numerous occasions to better understand my monthly payment options and what repayment will look like for me. They have sent generic messages and kept me on hold for hours and when I was able to speak with a representative, they were unable to provide me any relevant information other than to just " submit the online application. '' I find this to be a highly suspect system- where it takes a month to receive an electronic response and when you speak to someone at the company, you are not able to actually receive the information that you need and even more, unable to be transferred to someone you could speak to. I would also like to complain that they are DOUBLE reporting my student loan debt to the credit bureaus and they have given me the runaround on being able to resolve this issue. They claim that this was resolved last XXXX and my credit reporting agency denies this ....
Product: Credit reporting

I can not obtain a credit report because someone has used my social security number to obtain a mortgage.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking syst

em is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Product: Student loan

The original creditor, Dept of Education/NELNET was marking my loans late when I was trying to get in forbearance, they were very difficult to work with and would not accept my request. Since then, I have refinanced to a company Great Lakes. I have tried to get NELNET to remove the multiple at least 10 entries from my credit report, these are paid and closed and another company has ownership of them. I do not see why it is a problem for Dept of Education/NELNET to remove every listing from all three credit reports as I do not do business with them anymore. This is hurting my credit score with the multiple listings and the late payments because the people that worked there were so difficult.
Product: Debt collection

The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency
Product: Checking or savings account

Dear Sir/Madam, Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX I opened a Checking Account and XXXX XXXX XXXX at BANK OF AMERICA on XX/XX/2022. 
after weeks the checking account closed by BOA and reported fraud to XXXX and I can not open a bank account for XXXX years. but I still have my XXXX XXXX XXXX 

Please I would like to have a reason for this decision by Bank of America.
Product: Credit reporting or other personal consumer reports

I have sent proof of credit inquiries that are not mine to the credit bureaus multiple times, I have called them multiple times and spent hours speaking with them. I have sent ftc reports as well. I just spoke with the ftc and filed a new report with all inquiries that are fraud on my credit report and will be submitting it here to try to resolve this for the third time. I want this takin care of asap.
Product: Credit reporting or other personal consumer reports

Experian issues are never ending. 
I believe I'm the victim of retaliatory actions from Experian. 

Please note : After I filed complaints against Experian, for the credit monitoring services charging my credit card and refusing to allow cancellation... I was completely locked out of my account for years! 

Now, my FICO is suspiciously lower than the other bureaus '! 

After many years of my entire Experian credit history not being available... 
Now I have an inaccurate and very low FICO score available. 
Experian is reporting a FICO score of XXXX Whereas both XXXX and XXXX report a FICO of XXXX That's too huge of a difference. 

The credit history generating these very different scores are the same. Meaning all three bureaus are reporting the same credit history... But Experian is reporting a totally different and much lower FICO score for the exact same credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
Product: Checking or savings account

Chime allowed me to open an account in my preferred first name and legal last name, without any legal documentation that that was my name. I assumed it was fine because I was using my correct Social Security number. 
A couple years later, I changed my legal first AND last name. I tried to change it with Chime. They would not allow me to change the account to my legal name because I could not provide legal documentation the name in which I opened the account. 
I emailed support and no matter how much I tried to explain and showed them other documentation, they insisted that I HAD to provide legal documentation of the name in which I originally opened the account.
Product: Debt collection

Upon reviewing my credit report, I found accounts that I believe were added without my consent. I would like these fraudulent accounts removed immediately.
Product: Debt collection

This company is trying to collect debt from me they're in violation of XXXX XXXX XXXX & XXXX XXXX XXXX I would like to dispute all claims from my credit report and have it cleared from my credit I would also like to rescind the claim as I've paid for this property without knowledge of me paying
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY EQUIFAX CONSUMER REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
Product: Credit card or prepaid card

Attempted to purchase furniture with the synchrony store card associated with Ashley furniture. We were told we could use it for purchases immediately however, everytime we hit purchase the card was declined. We were surprised to find out that we were charged 3 times for the same amount. We called the store and they said they submitted multiple requests for the order to be cancelled because there was no order # and the transaction was not processed. Synchrony told us they could not remove the charges unless the store submitted a request. We spent multiple hours with them on the phone only to be told there is nothing they can do and given 4 different timeframes to expect the charges to be lifted.
Product: Credit reporting or other personal consumer reports

After filing a complaint with the cfpb, the company response is TOTALLY incorrect. I have provided them with the information that they requested. As your site request that I not include any personal information in the complaint, there is no way for me to prove that I have provided the information which I have a copy of letter containing the information sent to them and copy of XXXX tracking that proves that they received the information.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I noticed an amount of {$500.00} from my savings account was transferred to another person via Zelle . I didn't authorize nor I know the person this is transferred to. This prompted me to check all my transactions and I did notice that XX/XX/XXXX, an amount of {$900.00} from my checking account this time was transferred again to another person via Zelle that I did not authorize. I never transfer these amounts of money even with someone I know. I have attached my Zelle history and it has always been before {$100.00} transfers. I reported it to XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from ally saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) (
1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : $ XXXX 'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Checking or savings account

on XX/XX/23 my us bank checking account showed 2 unauthorized transactions worth of over {$270.00} that werent made by me. i called and contacted my bank and was told theyll cancel the charges. the charges are still there and they charged me 4 extra overdraft fees because of the unauthorized charges as well. even though my account was completely fine before the fraud charges. and they said they wont refund me now. even though i was told yesterday they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are accounts on my report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewed a copy of my credit report and found fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US C 1681. 
I have told XXXX, Trans Union and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated that everything was complete and accurate but how is that possible is the open date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly.

15 u.s.c. 1681s-2 ( A ) ( 1 ) 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 the information is inappropriate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts XXXX sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.