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

I have been a victim of identity theft since at least   X/XX/2017 . I fil ed an initial fraud alert with Experian and they forwarded it to  XXXX  and  XXXX . I received confirmations from Experian ( dated   X/XX/2107  )  and   XXXX  (  dated   X/XX/2017  ) .     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [    XXXX   XXXX     XXXX    ] Police Department ) Experian 's information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the   XXXX   nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmation s (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my  credit score and  would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report ( Experian I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in  them.
Product: Checking or savings account

On XX/XX/year>, MoneyLion freezes my account without notifying me until I reach out. Thats when they ask me to send a Copy of A Billing Document, ID with selfie, and front and back. I send it and then they claim 3-5 business days with a response. 5 days later, they claim that the document of billing is not acceptable which is confusing because its of a bank account. They then claim they would prefer one of one of the accounts thats linked to the MoneyLion account. I then proceed to do so and now they are asking me to explain unusual activity on my account! 

Im irate at this point because I have money on there I couldnt touch and I believe they are doing this because of some Provisional Credit that should be in my account as well but since my account is frozen, I have no access to anything. Its been a month now and I have yet to receive a response! I have been patient with this unprofessional procedure!
Product: Credit reporting or other personal consumer reports

I have 2 different social security numbers and many strange and inaccurate variations of my name reported on my credit report. I have tried numerous times to have this removed. I have even placed a freeze on my credit report, as I continue to receive notifications that my information has been found on the dark web. I have received several notifications from several companies regarding my information being leaked as a result of a security breach.

As I continue to attempt to have these inaccuracies removed I continue to receive notification that they are coming back as verified within hours. These names and socials are not mine. I have attached my most recent attempt in which I am being asked to upload additional information.
Product: Checking or savings account

On Friday XX/XX/2022. I was received a email saying my credit card was charged for XXXX XXXX which I had not authorized. I called the phone number on the e-mail. They said they would gladly refund my money. went into my on-line banking then went to when I typed in the amount to be refunded I typed {$380.00} and they typed {$3800.00}. So then the said the money could XXXX transferred by using XXXX. XXXX would only transfer a {$1000.00}. The {$3800.00} was credited to my XXXX account and debit to my other account. He was going to call back on Saturday XX/XX/XXXX which he did twice I did not answer. I went to the bank on Saturday XXXX, XXXX  to check on getting the {$1000.00} stopped was told by the bank that they could not stop the payment. on the {$1000.00}. Went to the bank today XX/XX/2022 was told they could not close a account that a payment was pending. Account should have been closed on Saturday XX/XX/2022. 
Phone number I called was XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$59.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$830.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian Credit Buearu and XXXX XXXX. I have disputed this issue more than once with both companies and not received as response as to why my information is not valid. 

There is an account that recently reappeared on my credit report. 
It is listed as XXXX XXXX  XXXX The account shows as : Charge-off status update - XX/XX/XXXX Charge Off Amount - {$580.00} This account was charged-off to the company XXXX XXXX XXXX. 
My problem is that I settled this account in XXXX of XXXX. 
I paid a settlement amount of {$370.00}. This information does not reflect on the credit report. 
Another problem is that the credit report status has not been updated since XXXX of XXXX. 
Another problem is the charge-off company ( XXXX XXXX XXXX XXXX XXXX not even listed on the credit report. 

I have submitted 5 different disputes with Experian and 2 separate disputes with the XXXX XXXX XXXX. I have provided documentation and when all of these disputes were closed I never received an explanation as to why my information was not adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did reach out to XXXX XXXX for the mis-reporting and expressed to them that the late payment was due to their system being down and that that's caused the payment being submitted on the XXXX of XXXX ; they denied the request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX Original Creditor : XXXX AT T UVERSE Balance : {$200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my XXXX  instructions
Product: Credit card

I transferred debt to this company based on the 18 months no interest promotion. I transferred {$18000.00}. Multiple times I set up autopay to pay {$1000.00} a month. The payment kept not going through and I would go back online and make sure it was set up correctly. The payment continued not to post. I called in and set up payment information with a telephone operator. The payment posted to my US Bank account but did not come out of my checking account. I then got a letter that the payment had been returned. I called US Bank and was told that since I had made multiple late payments that I was going to be charged late fees and interest. I had the supervisor check the information I had provided and found out the previous person had put my account information in wrong. The supervisor told me she would see if she could reverse the late fees and interest and would call me back. She did not call me back. I called in and I was told she left a message for me that the interest and fees would be credited back to my account. I then went back to autopay and yet again it did not work and my payment was late. In XXXX I just prescheduled payments as far out as the online system would allow. I do not receive paper statements so I went back to my account several days ago and noticed I have been charged interest. After discussing with supervisors for XXXX minutes they told me they would not reverse the interest fees they have charged to this point but would reinstate the 0 % interest. Then she told me autopay can now be set up on the phone. I really do believe these are fraudulent practices to promote a 0 % interest and then make it difficult to make payments in order to revoke the promotional interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an collection account report to my Consumer Report on XX/XX/2018 by University XXXX in XXXX XXXX XXXX XXXX, GA XXXX. I never been to this XXXX and contacted them asking them to remove this from my Credit Report and they refuse to. My Constitutional Consumer Rights have been broken for under 15 US 1681 b ( 2 ) it clearly states the following : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX XXXX or anyone there the approval or consent to report anything on my behalf on my Consumer Report. This is a Violation of Rights and no matter what they their policies state it does not supersede Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- XXXX XXXX XXXX Account # XXXX After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Debt collection

I set a payment plan with javick block on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for
Product: Credit card or prepaid card

Account is closed with a credit balance. Bank refuses to provide money back.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report called " XXXX XXXX XXXX '' they claim to be from XXXX for insurance on a car.

I never had a car or owned a car and never had insurance on a car. This collection is wrongfully reported on my credit.

I tried disputing it with buearau directly but it's still on my credit report.

This is illegal and being reported illegally.

As per the law, the credit bureau has to verify that this is mine and has to provide me with any documents or signatures or anything showing that this in fact is an account I signed up or reliable for.

I never had such account. And this is highly damaging to me. Please remove this as soon as possible or provide me with all documentations that you obtained to determine that you are allowed to report this on my credit. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

I have excellent credit, a job and was looking to reduce the number of years on my mortgage. So as a long time banking customer of Chase, I applied for a refi with Chase 3 months ago. All documents are in order yet everytime we are up for a closing they come up with a stall tactic. It really seems like a scam as they took XXXX non refundable if i back out. Its almost like they want me to.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 
The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit card or prepaid card

Received a credit card in the mail from Synchrony Bank for Guitar Center  XXXX / XXXX /2017 - this was not opened by me. I have attempted to close this account this evening (  XXXX / XXXX /2017 ) and I have been repeatedly told that I have to reveal more information about myself in order to cancel the fraudulently open account. I do not know this bank, and I do not know the store. On my fifth phone call ( after nearly an hour total on the phone ) I was told they would shut down the account and initiate a fraud inquiry. I am concerned that the company will misuse my information and attempt to open additional accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I sent in a letter but it was left unacknowledged then I tried to dispute it online and it has been in que since XX/XX/2020, calls do not get picked up and the website only shows some items available to dispute but all under collection. The whole Equifax is bad I'm shocked how much stuff is incorrect. Might be a glitch idk.
Product: Credit card

I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.
Product: Mortgage

During my refinance, I was required to provide proof of homeowners insurance. The proof I provided clearly shows it does not expire until XX/XX/XXXX. 

Now, in XX/XX/XXXX, the Mr. Cooper has purchased insurance for me. 

Their letter says they have a website where I can upload documents proving my policy. However, the website, XXXX XXXX XXXX is broken. The popup window says " You must enter your e-mail address and if available, make a selection regarding whether you would like to receive SMS messages before proceeding. '' But there is no box to select SMS messages. There is no way to proceed. I can not upload my policy and get this policy canceled.
Product: Money transfers

On XX/XX/2016 I sent a Western Union money transfer in the amount of {$930.00} to XXXX XXXX with XXXX to purchase credit repair. Western Union had XXXX XXXX flagged as fraudulent in their system and they proceeded to ask me several questions about XXXX. I told them what she did for a living and what I was paying for. Western Union approved the transaction and did n't alert me to the fact that XXXX and this company was a scam. I never received credit repair services from this company and XXXX ceased communication with me. I was scammed out of almost {$1000.00} and Western Union is refusing to refund it. Control # is XXXX.
Product: Credit card or prepaid card

I was charged XXXX ( my entire credit line ) by a merchant that I, at the time, had never heard of. I have never attempted to charge my entire credit line. I was not notified in any way by Chase that my credit card was trying to make an XXXX ONLINE PURCHASE. I would have NEVER approved of that. 
I filed my dispute to Chase on XX/XX/2020 while the charge in question was still pending. The representative that helped me sent a new card. My balance was back to the correct amounts, and everything appeared to have been resolved. 
On XX/XX/2020, I received notice from Chase that the chargeback was reversed, and that I was responsible for {$8000.00}. I immediately called Chase again. ( I never found a phone number for the merchant, and they still have not responded to any of the emails I have sent to their support team. ) The representative from Chase I spoke to this time stated I was responsible due to an IP Address matching an old phone that I no longer possess, and haven't for many years. IP Addresses get hacked all the time, and they also do not identify a person. It identifies a device, in which case, can also be faked or masked using software. 
Others that have banked and used credit cards with JP Morgan Chase have had this same problem, and were protected by Chase. I feel that I am being treated differently. This apparently happens so often that there are many news reports about it, and Chase didn't treat me the same. I have never missed a payment on any of my accounts. 
After reviewing all of my financial statements, I found a deposit from the same merchant on my checking account in the amount of {$3500.00} on XX/XX/2020, and have tried contacting PredictIt regarding this deposit that I did not authorize or request. ( no phone number, email only ). The {$3500.00} is still currently in the account due to not knowing how they wanting to fix the issue. 
There is still {$4400.00} that the merchant has not refunded to me. I did not authorize any service from this merchant to be charged to my card to begin with, nor did I create the account on their website. The support team finally responded to my email and closed the fraudulent account. I sent evidence to Chase confirming the fraudulent account was not created by me, and had been closed. Chase still made me responsible for the fraudlent charge. I still have the money from the fraud deposit and thought they would take it and make things right.
Product: Student loan

I requested school misconduct form from navient XXXX months ago via email and have received a response that the email was received, but never received the application.
Product: Money transfer, virtual currency, or money service

Scammers scammed money for job offerings and house purchases. One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I contacted both banks, XXXX XXXX XXXX willing to help me , and suggested me to ask Wells Fargo work with XXXX XXXX XXXX and recover my money. 

Please see the attached document.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Transunion XXXX Non Compliance Transunion is willfully non complying to the FCRA. Transunion is reporting debt that has been canceled. I have proof of the 1099c attached. 
XXXX XXXX submitted 2 1099c for account XXXX and XXXX to the IRS on XX/XX/XXXX and supplied a copy to me. ( ATTACHMENT BELOW ) Transunion is committing willful negligence by reporting a debt that no longer exists. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. 
Once a debt has been written off and a 1099c has been issued, the debt can't be collected. Errors on your credit report must be corrected by the credit reporting agencies according to the Fair Credit Reporting Act. 
I have supplied Transunion with a copy of the 1099C and any other relevant information with a request to correct my credit report. Inaccurate, incomplete or unverifiable information must be removed or corrected. 
Sincerely, XXXX XXXX