23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX, a total of five transactions were made using my debit card. These transactions were made in XXXX so there was an associated foreign transaction charge. I have never left the United States in my life. 

The first transaction was {$140.00} with an associated transaction fee of {$4.00} on XX/XX/year>. 
The second transaction was {$140.00} with an associated transaction fee of {$4.00} on XX/XX/year>. 
The third transaction was {$140.00} with an associated transaction fee of {$4.00} on XX/XX/year>. 
These first three transactions were disputed in my favor and I was refunded. 
The fourth transaction was for a total of {$290.00} with an associated transaction fee of {$8.00} on XX/XX/year>. 
The fifth transaction was for a total of {$580.00} with an associated transaction fee of {$17.00} on XX/XX/year>. 

These two were not refunded and the company had rejected these transactions. When requesting evidence with the disputes department I got no response. These transactions are all fraudulent and share similarities so it is odd to me that the company would only approve XXXX out of XXXX of the disputes and provide no evidence. 

These transactions can be found on page XXXX of the XXXX  provided labeled as Current XXXX, the rejected disputes will be highlighted XXXX  whereas the approved disputes will be highlighted XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute to Equifax twice. Once on XX/XX/2020 and another on XX/XX/2020. Both disputes were sent by certified mail and marked as recieved through tracking. I called Eqifax today XX/XX/2020 to follow up on not receiving feedback from my disputes. They say they havnt received my disputes. I confirmed the mailing address that I sent my certified dispute letters and the agent said that address was correct.
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 u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXX bank .... # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions...

15 u.s.c. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Revied credit report found an inaccurate account number reporting as open when it has been closed and paid in full no late payments called Equifax to remove, they refused to remove and told to dispute it which it already has and was deleted on XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX Acct ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and hope all is well. Paramount recovery continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.
Product: Debt collection

I understand the significance of eliminating any erroneous accounts from my credit report. I've noticed discrepancies in several listed accounts, which is causing concern.
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 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : AFFIRM XXXX # XXXX -Balance {$630.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$2100.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$3000.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX -Balance {$280.00} -DATE OPENED XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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: Debt collection

Nothing happened my information was compromised with XXXX and equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert that there was a hard inquiry pulled on my transunion credit report from XXXX. Per FCRA information can not be reported without my authorized consent. I never authorized this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of the credit bureaus don't allow me to get my once a year free credit report. They state they can not provide the report online and advise me to request via mail to the addresses below. I send the letetrs and they do not respond nor send me the report. 

Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This account is not mine- I talked to the company directly and they still haven't deleted it. I filed a police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that are damaging my credit profile. These accounts being : XXXX ) XXXX XXXX XXXX, Acc # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX I have the credit bureau multiple times to show me some type of written signature as proof of me owing this debt and they refuse to do so. Therefore making the accounts listed above unverifiable and inaccurate. Reporting such information is a violation of my rights according to the FCRA.
Product: Debt collection

Amegy Bank sued me in the XXXX County Civil Court ( XXXX, TX ), Case No : XXXX, over a {$25000.00}, Bus. Visa, I did not owe for two ( 2 ) years. I reported the ID Theft to the XXXX Police Department, ( i.e. Incident number- XXXX, on XXXX/XXXX/XXXX. When Amegy Bank deposed me in XX/XX/XXXX, their attorney, XXXX XXXX XXXX, XXXX. admitted I did not do it. ( i.e. contracted with Amegy Bank for the Bus. {$25000.00} Visa credit card. ) XXXX XXXX XXXX continued to illegally & unlawfully prosecute me without any factual basis until he and the Court signed the order for dismissal on XXXX/XXXX/XXXX. Based on the record, the handwriting expert said 100 % that it was not my signature. Amegy Bank and the Court dismissed the civil suit on XXXX/XXXX/XXXX, after illegally & unlawfully prosecuting me since XXXX/XXXX/XXXX, when Amegy Bank filed suit. Based on the record, there was never, ever any evidence against XXXX XXXX XXXX. ( i.e. me ). Based on the record Amegy Bank violated all laws of the United States, including but not limited to the Fair Credit Reporting Act, and the Texas Debt Collection ACt. I filed a " RICO '' lawsuit against them on XXXX/XXXX/XXXX, in the USDC- So. Dist of TX ( XXXX ), Case number- XXXX, for their " illegal & unlawful '' prosecution and all their partners in crime too.
Product: Credit reporting or other personal consumer reports

XXXX, failed to contact me and advise me that my account was past due. They were intentionally wanting my account to go over 30 days late. They should remove the 30 days late status, as they went against the fair credit reporting act. They were misleading and could not give me a valid reason, as to why I was not contacted in order to advise me that my account was past due, at which point, I would have payed it and would have never have gone over 30 days late. This was XXXXXXXX XXXX XXXX fault, for choosing not to contact me in a timely manner, etc. I verified that they had my correct phone number and address, and when ask, why dud they not call me, once my account went past due, they advised that " they did not have to contact me '' I advised that I would like to speak to a Supervisor and were lied to, as they stated that one would call me back within 24 hours and they never did. I payed this account almost perfect for the life of the loan, and due to a customer service agent providing incorrect information to me, about me being able to pay the remaining balance by still paying my normal amount of XXXX dollars a month until the balance was XXXX, etc. Apparently this information was incorrect, but even after this, if XXXX just did what they should have done, by contacting me, once my account was past due, I would have made a payment right away, and the account would never had gone over 30 days late. XXXX should contact their customers when their accounts go past due, and not purposely wait so that the customer 's credit rating is affected. I will be submitting a complaint per the FCRA, if this 30 day late is not updated on my credit report with all the applicable bureaus. This was an unfair and deceptive practice by XXXX XXXX, and I will take it further if needed.
Product: Credit reporting

In 2014, my credit card number was hacked and used to apply an illegal charge to my account. When I reported the charge to XXXX XXXX, they removed the illegal charge and canceled my card so it could n't be used again. They also said they would issue me a new card but they failed to do so, now claiming I had bad credit. As a result of this action, my credit score of XXXX dropped to XXXX. I finally obtained a new XXXX card from my bank. However, now my credit score is XXXX from Experian, XXXX from XXXX. Now I need to obtain a home purchase loan and this significant drop in my score is affecting the loan repayment loan. In fact, I have perfect credit. I 'm XXXX years old and have never failed to make a payment on any loan. So why am I being penalized because someone else committed fraud and affected my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a mortgage application with XXXX XXXX XXXX the last week of XX/XX/2021. Experian sold my information without my consent to other mortgage lenders. I have been bombarded with emails and phone calls from mortgage lenders due to Experian selling my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

It was a windstorm damage the insurance company mailed out the check payment to fix the damage my ex-husband who has a restraining order against him not to come to the property, somehow find ways to get the check and cashed the check with bank of America, that check have both our names on it. And damage is still not yet fix. It's been a year I still not able to recovery the checks.
Product: Credit reporting or other personal consumer reports

I've sent in MULTIPLE request for this XXXX  account and XXXX XXXX account to be DELETED from my credit report, I have XXXX knowledge of these accounts and have expressed this MULTIPLE times to the credit companies,. I've tried to send in reports and proof that I do not own this account and that I was in the military deployed but they still won't DELETE these accounts. This is harming me from getting a home and getting credit extended out to me. They SAY that they properly have investigated these accounts but i know for a FACT in XXXX hours ( the time they supposly did the reinvestigation ) that a proper investigation wasn't done along with the proper paperwork send over to my self and the date furnishing companies. I want these account DELETED off my credit report.
Product: Student loan

I took out Sallie Mae loans each of the three years that I attended XXXX XXXX University XXXX ( near XXXX XXXX. Shortly before graduating I developed XXXX that would later be XXXX. At first this meant daily XXXX and an occasional XXXX ( less than once a week ). I sought XXXX attention and at the time was told that the condition was mild and temporary and that it could be easily remedied XXXX. Over the next several months, as I graduated and started looking for jobs things got increasingly worse. I started XXXX more frequently XXXX multiple times a week ), experienced XXXX and some days struggled XXXX. I continued to see a XXXX and was told that we just had to find the best XXXX for controlling my XXXX XXXX and I would be fine. Six months after I graduated I was XXXX almost every day and was told by the XXXX that I could no longer safely drive. As a result I had to move back in with my parents XXXX and was no longer able to look for jobs. I put my loans in forbearance and hoped that by the time the forbearance time ran out ( i had to pay {$150.00} every three months and only one year of forbearance is allowed ) I would be better and able to work. Unfortunately my XXXX has only gotten worse, much worse. I currently XXXX anywhere from 1-3 times each day. Each time I have no warning and as a result I am frequently XXXX. I have XXXX more than 10 times in the last year, and currently have XXXX ( for the third time ) after XXXX and XXXX. I am now in XXXX so that I do not get XXXX and am unable to do much of anything for myself. I now experience frequent XXXX ( I have to sit down and take a break after bathing or even just getting dressed ). I have seen several XXXX and have even been to the XXXX XXXX to see XXXX several times. They have tried ever XXXX that has been known to work and even some experimental XXXX. My XXXX XXXX is still high, XXXX, and my XXXX have gotten worse, not better. I applied for XXXX through Sallie Mae as I am unable to work and most likely will not be able to for a long time, if ever. The XXXX put that if I show any improvement it will be at least 2-3 years before that happens. Sallie Mae denied me XXXX because they claim it is not permanent. However, their definition of a qualifying XXXX is something that will last indefinitely ( can be seen on the first page of the XXXX claims form ). There is not a definite timeline XXXX and as such they should not be able to deny me. They will not lower the monthly payments or work with my family in any way to help us in this time. When i spoke to a customer service representative they informed me that because I was out of forbearance time I had no other options that to just make the payments. At this point I have no idea where to go or what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online dispute with the XXXX credit bureaus XXXX and XXXX expunged the account XXXX XXXX XXXX is still reporting to TransUnion that I have an outstanding balance of {$660.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I did an online dispute in the month of XX/XX/2022 I mailed a dispute to XXXX XXXX XXXX and a dispute to Trans Union which they say is under investigation and for some reason XXXX XXXX XXXX has not updated their information since XX/XX/XXXX showing that I have a outstanding balance with them of {$660.00} in which I do not have a balance with them at all.
Product: Credit card

I have reached out to this company several times sent police reports affidavits as requested and they still have yet to remove this fraudulent account that was opened in my name. I have requested for validation of the account when and where was this account opened nothing. Please have this account removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. My personal information was stolen. I have filed a police report with XXXX Police Department in TX. Experian Credit Bureau is reporting unauthorized credit inquiries on my credit report. Please remove all unauthorized credit inquires from my Experian credit report. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Disputed charge on XX/XX/22 in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item. 

The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. 

A large amount of evidence including a returned package tracking number was provided on multiple occasions.
Product: Debt collection

According to XXXX XXXX a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with Integra Credit who never contacted me. My first contact regarding this fraudulent account was from XXXX in XXXX of 2020. 

During my first conversation with XXXX  I was told that it was an Integra account and any dispute had to be addressed with them. On XX/XX/2020 I contacted Integra who informed me that the account was no longer their 's but instead was sold to XXXX. Any dispute needed to be filed with XXXX. All further attempts to contact XXXX went to dead phone lines. 

On XX/XX/2020 I recieved written communication from XXXX stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a XXXX employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The XXXX employee also informed me they are simply collecting the debt for Integra and that the account is not a XXXX  account. This contradicted the information provided by Integra on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor
Product: Mortgage

CoreLogic Tax Services, LLC sent a letter with Case Number XXXX. It claims that they inadvertently reported our property address to the mortgage lender they service resulting in the payment of our property taxes. Further stating that these funds were considered a duplicate payment and refunded to our lender/servicer. Therefore that we received a refund and that they are requesting reimbursement in the amount of {$6700.00}. 
They asked that a check or money order be sent to their XXXX  XXXX  at XXXX XXXX XXXX, XXXX, TX XXXX or paid at https : //bill pay.corelogic.com The transaction showed their date of payment as XXXX2020 and cashed by the recipient on XX/XX/20 per the Check Image Provided. Whereas we received the refund in question on XXXX2020 thereby making their story invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Team CFPB, I have four ( 4 ) accounts with XXXX XXXX and have been a " paid never late '' customer for 12 years. XXXX  XXXX is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points. 

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Product: Checking or savings account

Hi my name is XXXX XXXX. On XXXX XXXX, someone hacked into my account and stole money out of my account. The amount was {$270.00}, {$68.00} and {$29.00}. I called chase and they reimbursed me. I went to a branch and I opened up a new account. On XX/XX/XXXX, chase went back in my account and swiped the money back out of my account. I didn't give anyone my account info nor did I send anyone any money. The person who hacked into my account, sent themselves money from my account. I did not authorize this.
Product: Payday loan, title loan, or personal loan

Bank of America crediting {XXXX} from fraudulent uses in my accounting ; alongside of XXXX Fraudulent Benefit program on account without my ability to access of {XXXX ; Ive had given treason by discrimination against my XXXX orientation, then my credibility in the image I carried as XXXX XXXX. My identity has now become known as XXXX XXXX XXXX in the United States. 
My security has been breached by third parties I had not approved authorization of, being held upon ransom ware without proper paperwork to reconcile whats acts have taken place. 

ALSO, I WANT MY SERVICE ANIMAL XXXX / XXXX RETURNED I HAVE RIGHTS TO OWN HIM / HER UPON PROPER PAPERWORK I CAN DISTRIBUTE, I AM WILLING TO UPDATE VACCINATIONS WITH HER, WILL PRESS CHARGES AT HIGHEST AVAILABILITY TO ENSURE SHE IS RETURNED.