23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I realized my discover credit card was being used by someone else after receiving a XXXX XXXX alert of a high balance in my account. I was surprised as I had logged into my account several times and nothing showed, my balance was {$0.00}. Never did I receive an alert from the bank about the constant used or used outside of my location. I contacted the bank to my surprise there were over XXXX in charges of most were not done by me. I explained to them that I had also checked my other banks and another credit card and debit card were used so I was dealing with multiple banks. There were tons of charges to which the discover representative disputes for me. This was back in XXXX. I started to receive letters from discover credit card requesting information to which I responded and sent police report. About a month or more into the investigation I received multiple letters stating my claims were approved to my favor and that a credit placed in my account would be permanent. My credit balance would constantly be changing, this was affecting my credit score a lot. I never have accurate information on my balance or transactions. Which made the entire process very confusing and I had to constantly check my account. I tried not using the card much because of this, because of the lack of accuracy on their part with the statement information. Last week I log in to check my balance and I see it went up to over {$4000.00} and I see all of the charges that I was told via letters from them were approved being put back into my account. So I called right away and they tell me that they were denied. I hadnt received any letters or them being denied, of the reason for the denial so after being transferred 6 times I speak to a rep who explains to me that because of 4 reason,4 transactions ALL of my claims were denied. She explained 4 of the many transactions the merchant replied so because of those 4 reasons ALL of my claims were denied.one of the reasons was that I logged in to my account the same day one of the transactions were done, I told her thats exactly the issue!! No transactions were reflecting on my account and I have proof because I took a screenshot showing my account at XXXX XXXX day I received the alert. I explained to her that when I called the representative submitted the claims I barely spoke and if there were any claims made in error they were not on my part and that fraud was even done in another county. I asked for a letter with the reasons for the denied claims they denied that, I also asked for proof of the 4 so transactions that were proven mine they said all they could do is send me the transaction information. I received one letter with one transaction. This bank isnt protecting my funds and hurting my credit a lot with their mixed information. All the other banks I had fraud in received the same information from me and everything was resolved within a month. Discover credit card sends me letters to not worry that all was approved in my favor and with no warning or letter put all the fraudulent charges back to my account. I need the charges that they could not proof were mine taken off.
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my account statements and confirm that the reported balance does not align with the actual balance on my account. This discrepancy could potentially have a negative impact on my credit score and financial standing. All of XXXX loans are paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 60 day XXXX 30 day laypayments, XXXX XXXX XXXX 30 day late payments, XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments XXXX 90 day XXXX 60 day has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation for a Bankruptcy that isn't mine, XXXX was verifying it was verified I contacted the court was told they don't have or provide any information to the credit bureaus, I was notified this was removed by my credit monitoring the inaccurate bankruptcy was removed between XX/XX/18-XX/XX/18 & without notice from XXXX was placed right back on the same day with no notification or reason why? this is a violation of the FDCPA & FCRA I am requesting this removed immediately or my next recourse will be legal assistance, This information isn't accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX {$910.00} I disputed with the company listed above about a fraud on my TransUnion. was told the account was verified as mine. i was never sent proof of how they verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not take off this account by XXXX XXXX XXXX XXXX my information was leaked by XXXX in a data breach I have filed a ftc identity theft report about this situation, I want this account removed and blocked, I have reported this to XXXX and XXXX they have immediately removed this account off my credit reports, I had XXXX XXXX commit fraud in the past, I want this account removed and not be put back on my report, Experian needs to do there job, I have sent a ftc report to experian these people are rude mad unprofessional, I also filed a complaint against XXXX for the data leaked I have other accounts that was open due to my information being used yes, my information matched because someone used illegally now removed this account before I file suit, now I have uploaded my information to this website now remove this account and block it, all accounts XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  these companies have open these account fraudulently
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are reporting an incorrect balance and percentage of credit card usage on my reports which is a clear violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the charge should immediately be credited to my credit card account along with a credit for all interest & fees that I have been charged by XXXX XXXX for this fraudulent charge by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should undertake to communicate with the credit reporting bureaus immediately to completely clean up all incorrect reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should compensate me as a consumer for their actions, pursuant to the Fair Credit Reporting Acts ( FCRA ). 

My dispute is with Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMerchant name XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows on the charge on my account Transaction amount - {$420.00} Transaction date - XX/XX/XXXXXXXX XXXXReason for the dispute - When I arrived at the Airport car rental counter in XXXX XXXX the agent told me that my car was not ready. I had made a depositor the rental, which was apparently processed when I arrived at the counter without my permission. I waited around for 2 hours, while the agent did a number of things such as trying to charge my card more than the balance of the rental charge. Ultimately, XXXX did not provide me with acar and should not have billed my card. I never received a rental car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was originally credited for the {$420.00} charge in XXXX of XXXX. However the charge was putback on my card in XX/XX/year> - 2 months later with no communication from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : 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 : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I cashed a check of {$4900.00} to my Wells Fargo account ending in XXXX on XX/XX/2020. I called Wells Fargo to let them know if was a fraud check and they indicated I could not cancel the pending mobile deposit. 
The check was deposited and I was given the {$4900.00}. Why was I given {$4900.00} if the check was fraud? It wasn't even from a real bank. How does Wells Fargo allow this for their customers? There is no safety for customers if that is the case. The money ending up getting reversed due to Wells Fargo not taking action when I told them ( on a recorded line ) that it was fraudulent. They did close my account and took action on my account ending in XXXX but NOT my checking account ending is XXXX. This would have not happened if they would have took my voiced concerns of fraud and safety when I called to tell Wells Fargo about the fraudulent check. I have received a letter from Wells Fargo denying my request for a {$2000.00} reimbursement ( see attached ) due to further investigation on a claim ( XXXX ). I have called the claims department several times to let them know that this transaction was NOT authorized. I was given a letter indicating that Wells Fargo combined all of my claims into one claim. There was a reson why I submitted multiple claims. I am aware as a customer I had told Wells Fargo that I sent two XXXX  transactions as instructed but the {$2000.00} was NOT apart of the charity or donations. Again, I told Wells Fargo that several times. 
I submitted a claim in the amount of {$1700.00} that was sent to a charity due to a job offer I took. The employer was a scam, he said he would pay me if I worked for him ( which I did what I was supposed to do ) and they ended up reversing the check. 
I was told I would receive the {$2000.00} from Wells Fargo and that the CASE WAS CLOSED on XX/XX/2020. 
Why was the case reopened? I am again requesting my {$2000.00} to be reimbursed into my account. I was told several times by Wells Fargo when I tried to get it reconsidered that " since the case is closed, there are no options to edit it. '' So why does Wells Fargo get to chose when to re-open a claim? Wells Fargo should not have closed the claim if they knew they had further investigation. I also never informed Wells Fargo to consolidate my claims. The {$2000.00} was not authorized and that was for merchandise that I purchased and never received along with the {$950.00} claim ( but this was got approved. ) This makes no sense why my latest claim got approved but this one did not. Please see attached for the letter sent to me from Wells Fargo. This is unacceptable.
Product: Checking or savings account

Chime closed my account while I had an active dispute for a refund. The refund was deposited into my account and I received the email verifying it. However when I called chime they gave me almost no information whatsoever as to why I can't access my funds and they told me I would receive a paper check which I haven't
Product: Credit reporting, credit repair services, or other personal consumer reports

On more than one occasion including XX/XX/XXXX I reached out to XXXX XXXX  XXXX and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX # XXXX ) has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I have received many calls over the last month or so from phone numbers, from supposedly local to out of state, associated with this company. I have NO accounts or association with this company. They are harassing me. Furthermore, if there was a supposed debt, I have received nothing from them. At this point, this company has violated federal and state laws repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX ; Account # XXXX, XXXX XXXX  ; Account XXXX XXXX has violated my rights. 

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

Equifax is reporting accounts they are not mine and I have submitted the proper paperwork to have these accounts removed from my credit report months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please look at page 14 of the document I provided. 


I have dispute the US Bank account on my XXXX credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. XXXX is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because XXXX inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how US Bank and XXXX report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint with you ( CFPB ) and all information in that complaint was TRUE and ACCURATE # XXXX. 

Then, Transunion replied with lies and you closed my complaint, well I am submitting another complaint because what TransUnion replied with was FALSE information! I sent my original dispute with a COLOR photocopy of my social security number and with a COLOR photocopy of my driver 's license with address, and a clear and legible letter disputing my credit report. I even had the letter certified with a return label ad signature, which they stamped and received FROM ME! I then responded with a no response letter the same way, so there is no way that it was not clear that it came from me. This company did not respond in over 45 days and accounts disputed on my credit report should be cleared asap! They are now lying to you ( insulting your intelligence ) and stalling trying to avoid clearing my account after they defaulted by NOT replying to my request. I have proof of all of this and I demand that my account with TransUnion be cleared asap because they have violated multiple laws according to the Fair Credit Reporting Act ( FCRA )! I can not believe how a company would go through great lengths to LIE to prevent from doing what is right! I waited to see what the response would be so I will be taking further action and getting a lawyer to SUE all parties involved with this clear violation of the law. And I WILL WIN because I HAVE PROOF of all transactions! How can this case be closed based upon a LIE!?? 

Now, they have responded to you trying to imply that they received information from a THIRD party, but replied to me stating that the information was not legible so which is it?? Then you ( the CFPB ) just closed my last complaint # XXXX, based on the LIES they told you. MY LETTER says one thing, and what they responded to you with says another. A copy of THAT letter is attached. Based upon that alone shows that TransUnion is not truthful and is violating the laws of this country that we all are required to follow! 

Thank you for your attention to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX   in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX Equifax, and XXXX XXXX.
Product: Student loan

When I was getting my XXXX I jaf agreed to 4 private loans from XXXX XXXX. I was unemployed, so I began a forbearance program that increased the loan amount. I have since experienced multiple issues : -Federal loan I have no knowledge of and dispited -dealing with representatives who are very un helpful and communicate very conflicting information about their loan programs -I applied for a new interest only loan and payment term extention in XX/XX/XXXX. I was  approved and the new terms were never applied to the loan.