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

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Last XX/XX/2023, there were Fourteen fraudulent charges of {$73.00} in my Chime debit card. These transactions amounting to {$1000.00}. I have complained to Chime customer service that these are all fraudulent. I live in Florida, and all of these transactions says XXXX XXXX XXXX, XXXX XXXX Of XXXX, PA, XXXX. Chime sent me a denial letter that there was no billing error at all. I have submitted them all evidences, and they could even track my location during that time, but they denied all of them. Same day these fraudulent transactions occurred, I was doing my grocery shopping from XXXX XXXX XXXX XXXX. Their letter did not even have a specific reason for denying me. They requested me to file a police report, but I still got denial letter from Chime.
Product: Checking or savings account

in XXXX  I applied for EDD but they first denied me then later approved me. I had no idea they approved me the next month and they sent a card from Bank of America with XXXX all of that money was spent by someone who was not me. I only found out that this account existed by getting a letter from Bank of America saying my account was going to be close do to inactivity. I looked into this because I thought it was fraud because I have XXXX Banking but I called EDD and they did approved me for funds and they sent it in a Bank of America card. I drove to Bank of America to make a claim to get my money back but they denied my claim, so I asked for the proof and they sent me the same info I have on my Bank of America online account. they have no proof it was me who spent the money.
Product: Credit reporting

I have raised a dispute with Experian for the late payment reported from XXXX XXXX XXXX XXXX is not correct. they are showing some federal reserve has stop payment in my checking account so the card payment was not successful. I contacted my bank XXXX and there is no stop payment. I reviewed the stop payment document federal reserve and the company name is showing XXXX instead of XXXX. this is different company name they are trying to use my checking account. NWFCU credit card is not showing any proof of the stop payment on their company name. I asked them this is different company why its not in your company name and they are not responding, for last 8 months I have very difficult time and they have reported late payment 60 days. the credit bureau I do n't know whether they have the skills to review what company shows is correct they agree on this. this is useless credit bureau and its not all favor to customer. they are supporting only company. They have obsoletely XXXX knowledge or they purposely doing fraud. i request consumefinance.org to take strong action and penalty on them
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX is reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX  and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX  is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The XXXX XXXX  brings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!
Product: Credit card

I opened this C.C. in XXXX of XXXX with a very small balance of XXXX. I received all of my statements online, until which time I called in XXXX of XXXX when I saw charges including XXXX, XXXX XXXX, XXXX, XXXX XXXX, Internet charges, food charges, and other out of state charges, I immediately called Indigo to advise these charges were not mine, the C.C. advised that I would not be responsible to pay the C.C. bill for 90 days while they did a complete investigation, they advised that I could still be held responsible, for the charges, I advised the last transaction I made was from XXXX in XX/XX/XXXX, for approximately XXXX, I asked at that time if I could just pay my portion of the bill, they advised they needed to complete the investigation, 90 past, and they advised that they would remove only a portion, of the charges would be removed, and I would still have to pay all of the extra interest, they removed a portion of the late fees, but my bill went from being XXXX to XXXX I advised I would I would pay my part the XXXX dollars they advised I needed to pay the entire amount, it was advised they were a sending a new cc, I never received a new card, charges were still showing up on my cc statement, I called indigo and asked them if my new cards were active, and they advised they were not, and at that point realized I was not using my card, it was still being used by someone fraudulently, I again asked if I could pay just my part of the bill and was told I had to pay the bill in full, I was then told they needed to close my account, my account was closed in XXXX of XXXX, and I have not received any cooperation or corespondence from indigo sense, I called indigo XX/XX/XXXX to pay the bill amount that again was my portion and was again told I could only pay the entire bill amount, I was restricted of being able to access my online account so I was not and have not been able to see if any additional charges have been charged, indigo has refused to allow me access to see my online statement or to see any charges, but have claimed to have filed a law suit against me for charges that I disputed 2 years ago. I requested paper copies of the statements and have never received all the requested copies, no cards were activated by me, and I attempted to resolve this by paying the portions of the statement that belong to me, with no resolution.
Product: Debt collection

Preferred Collection and Management is trying to collect a debt that I do not owe and does not belong to me. I have requested this company to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Preferred Collection and Management to remove this derogartory collection account from all credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : REMOVE THE FLWING NAMES 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : account not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiries. They are in the process of closing the accounts BUT the hard inquiries are yet to be removed. I need the hard inquiries dated XX/XX/XXXXXXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX  to be removed from Experian and XXXX XXXX credit reporting agencies. i didnt give permission for my information to be used to open any accounts. the company is closing them. I need the hard inquiries removed. A fraud alert will be put on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account has been frozen since some where around XXXX, I reported my card lost or stolen XX/XX/XXXX And disputed some charges. I'm not an accountant I just know I'm missing money, I thought they could look at point of sale and tell me who was using my card. I SPENT AROUND XXXX  OUT OF XXXX dollars. Well instead helping me fix the problem they froze my account and edd is trying to put more of my benifiets in and can't so now I'm double in the whole and my bills are pulling up and things are getting shut off Not to mention I'm quarantined on a XXXX XXXX XXXX with no way to stimulate myself economically .. I am starving to death literally and they want to play games.I just want my account unfrozen funds put back since there f.d.i.c.insured. thank you
Product: Bank account or service

I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX – partial account number XXXX.  (Please see page 3 of the attached credit report.)  This account reports a $XXXX balance and $XXXX past due.  This incorrect reporting is harming my credit scores.  Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXXInquiry XXXXXXXX XXXXInquiry XXXX XXXX- IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX  - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance XXXX : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

On XX/XX/XXXX there was an auto loan given out in my name by Capital One, and on the XXXX it was involved in a 5 car accident somewhere in XXXX. I've called everyone involved and they're doing their part or giving me pointers, Capital One on the other hand, the company that gave the fraudulent loan out only has one fraud line available. Ive called it 4 times to explain my situation, 3 times I got transferred to another fraud deparment, 3 times the call dropped on the transfer. 1 time it got through to the other department but when she put me on hold the line dropped. No call back, nothing. When I asked for the direct line to this " other fraud department '' I was told they don't have one and to just keep calling that line to get transferred to this department. The number I was calling is XXXX and XXXX. No one at capital one is taking this seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has XXXX tax liens listed on my TransUnion report with an address of XXXX, WV. I live in XXXX, WV and that is where I have filed my income both federal and State for the tax years listed on these accounts.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX BANK XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX ( XXXX  XXXX Hard inquires hit my credit report without my permission
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account NumbeXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 EXP XXXX XXXX XX/XX/2022 EXP 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: Mortgage

XX/XX/year>, I made my upcoming XXXX payment. Then i got a call from Lakeview Mortgage telling me that my payment was delinquent. I told them that the payment was made on XX/XX/XXXX through the online portal. They told me to reach out to my bank and find out because they had not received a payment. I called my bank and was told that Lakeview had never asked/cued a payment. I called XXXX back and told them what my bank informed me of. The payment was still sitting in my account. They asked me to verify my account info, which I did, and they told me that was not the info they had on file??? I have only every had one checking account for over 15 years and all my previous payments had come out of that account. While waiting on hold I heard a msg about XXXX being subject to a cyber security breach. I asked the rep about it and was told that they could transfer me for more info. I declined as I wanted to settle this payment issue. After getting several payments declined notices from XXXX ... ... .NEVER, not one from my bank! I called back several time trying to satisfy this issue. I finally went on my portal, after not being able to access it for several weeks. When I went into the payment info, the account number they had listed for my checking account was not even close to my real account number. I called back and told them that I must have been part of the security breech and I had fixed the account info and was wanting to pay ( NOW XXXX PAYMENTS ) and was told my account had been locked and I was no longer allowed to pay online or by check, that I must send in a XXXX  or cashier 's check, which that would make my XXXX payment late! I was EXTREMELY upset. I called my bank and drafted the amount due of XXXX to be directly sent from my bank. I got notice from XXXX that they had received my payment but were reporting the delinquency to the credit bureau. In the meantime, through the mail I received a packet telling me how to avoid foreclosure! I was so incensed, called by attorney who advised me to contact you. I have checked my Credit report, and it was decreased by XXXX points, and I think this is very unfair and WRONG. I have had nothing but problems with this company since getting my mortgage. Horrible company and terrible customer service.