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

On XX/XX/XXXX, XX/XX/XXXX, of XX/XX/2023, three transactions transactions that were not authorized by me were processed through my bank via a fraudulent and unauthorized XXXX purchase/transaction. The amounts were {$2100.00}, {$1100.00}, {$4800.00}. Immediately upon identifying these unauthorized transaction, I went to my bank and submitted in person a signed " disputed transaction affidavit '' stating such. At this time, I immediately closed my bank account and assured me that I would be refunded the stolen money in a few days. Several months have now surpassed and regardless of the documentation depicting extremely unusual purchase history and or payment history, that included a police report filed, Chase bank relayed that it was XXXX 's issue, and that I needed to take it up with them. I have contacted XXXX and spoken with representatives multiple times and for several weeks now but to no avail. They claim that it was Chase Bank 's responsibility to keep your money safe. They claim to be merely a transaction service and the reason for denying my claim was that according to their investigation, my purchased history was consistent with my prior purchase history? I requested that they provide me with information pertaining to how they can claim such a reason as I have never purchased multiple notepads or laptops value the in the thousands of dollars all in one day or two and or had anything ever shipped to an address that was not on record?? When I asked him to provide the documentation they said that would but had yet to receive anything. Chase bank said that I allowed XXXX party company, XXXX, to access my account? That is the reason that they gave me as to why their nonculpable for these stolen funds. I asked representatives who appeared to be an XXXX call center and who claim to be the fraud department, if my money at the bank was insured? They can provide me a straight answer. I asked him that if they knew whether or not my money was insured from theft, and that I wanted to follow claim for my stolen money. XXXX had no answer other than they were sorry and that I needed to take it up with XXXX? There are multiple recorded messages with the numerous conversations that I had with XXXX and Chase bank. I have requested that XXXX send me all records of my conversations since the conception of this problem. XXXX has relayed that they were going to process this request and that could take up to 30 days? My money 's were stolen and I thought I was insured by my bank. I was never told or advised that I could not sign up with a XXXX or cash service transaction provider that would void my insurance?.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with TransUnion and XXXX. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX XXXX is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CAXXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  XXXX XXXX   XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Student loan

Called to inform them that I was out of work with no income. I had to apply for government assistance. I am unable to pay my student loan and could I get help. 
They told me we cant help you. I said well I cant pay you. 
Im applying for XXXX there was no resolution. They continue to call and harass me about payment.
Product: Debt collection

I have no knowledge of this account, unfamiliar with the bank name. I dont recall doing business with this company.
Product: Credit card or prepaid card

This is in regards to complaint number XXXX that I previously filed today on XX/XX/2021. The reasons I am sending this is because I did not send all of the attachments pertaining to this complaint. I hope I am able to send them with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I tried a number of times to contact XXXX XXXX XXXX to initiate a security freeze both online and by phone. In all cases I was disconnected or the information online did not load. I currently have a membership with Experian for {$24.00} per month and have had it for several years. On one occasion a couple of years ago, I tried to cancel my membership with the same results ( the phone would disconnect ). At the same time, I had to change the credit card I had used to pay for their service so I decided just to not inform them however they automatically began to charge the membership to the new card. Rather than continuing to try to cancel membership, I just let it slide until now. On XX/XX/XXXX and onXX/XX/XXXX, I called multiple times to call the number they provided to cancel membership and except on one occasion, the call was just disconnected. The exception was that I received an automated response noting a high volume of calls and the put me on hold for 45 minutes. I finally hung up.
Product: Debt collection

Request for Reinvestigation and Removal of Charge-Off Account # [ XXXX ] To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # [ Account Number ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The alleged debt is being reported by XXXX XXXX XXXX  XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im in fact owed money. I stated this to the company as well. Iam requesting a full description of the procedure of reinvestigation once completed. I demand that the negative mark be removed from my credit report immediately.
Product: Debt collection

On my credit report it shows debt I've never had over 40 addresses and phone numbers it's obvious I was a victim of identity theft I don't have anything on my credit I was incarcerated for 10 years it's impossible to open up credit while in federal custody I'd imagine. Please I'm trying to start a good life and this just hurts me I had no idea these things could be on here
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( B ) a creditor may not treat a payment on a credit card account under a open end consumer creidt plan as late for a purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX  on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX, 2022. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should not include a active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you to do it XXXX  and your neglect has violated my rights. I am demanding a deletion of the following account : Account name : XXXX XXXX XXXX. Account number : XXXX.
Product: Mortgage

Rushmore Loan Management Letter dated XX/XX/XXXX states balance of {$2600.00} to paid before XX/XX/XXXX. Unable to make payment was told my loan was sold XX/XX/XXXX to Rushmore Servicing and they do not have information prior to XX/XX/XXXX - their balance is showing {$3200.00} I need to speak with someone regarding reciliation of payments and why are the late fees so high - this was never the amount previously - over {$100.00} a month I've called Rushmore Loan Managment for the last 2 days at XXXX and the number is not working. 

I've been asked to send my issue to the new servicer and they will help get a response : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my file and were found in my reports with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX 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: Prepaid card

American Express Gift Card
Balance:$XXXX  
Card is declined everywhere with numerous tries since XXXX  2023
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - These accounts are inaccurate. The days late is inaccurate. Transunion is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Transunion SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? 
Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. TransUnion has failed to respond.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card

Paid off my credit card debt a year ago and it still shows up on my credit.
Product: Debt collection

I recently checked my credit report and found that a collection was posted to my account. 

The collection was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The original debtor was XXXX XXXX XXXX XXXX, XXXX @ XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I NEVER received an actual bill nor notice from original creditor that alleged debt would be turned over to a collection agency. 

I NEVER had a chance to pay or resolve the original creditor before debt was parked with this collection agency. 

I can not pay a debit unless I receive a bill and/or notification of debt. 

As a result of this blindsiding collection attempt - my credit rating has been ruined! 

I am willing to resolve this debt with the original creditor if it is a legitimate debt, but most importantly I demand that this collection be removed from all credit bureaus it is reported to and that my excellent credit be restored.
Product: Debt collection

I disputed an account that XXXX XXXX/ Comenity placed on my XXXX, XXXX , and XXXX credit reports. This account is a duplicate of a XXXX XXXX XXXX account that is also on my credit report. I received a letter by USPS in the mail dated XX/XX/2020 from XXXX stating that I had already paid them {$150.00} ( 6 payments displaying for 2020 ) and that I should continue to pay this debt. I have never had any contact with XXXX and this letter represents 1st contact. I'm sure the impetus for this letter was my current credit dispute. To be clear : I HAVE NEVER PAID ANY MONEY TO XXXX as they are reporting by mail and wire. I have continued to pay Comenity and will provide the ACH/ Wire information regarding these payments. I have no familiarity with XXXX and their involvement in this account and the XX/XX/XXXX statement represents first contact. This is clearly an FCRA violation and possibly fraud by mail and wire. 

It's unsure if Comenity is aiding XXXX in committing consumer and credit fraud or if they are victims as well. XXXX has continued to report the duplicate account monthly by wire and mail showing payments to XXXX. XXXX could only claim the reported information and the lie associated with it, if receiving information from Comenity. It seems that both companies are conspiring to violate FCRA rules by duplicate, inaccurate, and willful fraudulent reporting.
Product: Debt collection

I have no knowledge of this debt reporting from XX/XX/XXXX with an opening date of XX/XX/XXXX. I immediately sent a certified detailed letter on XX/XX/XXXX, requesting specific documentation for this alleged debt to this collector with no response as of XX/XX/XXXX. Nor have I received any former writing of this alleged debt prior to reporting on my credit report destroying my credit profile. I request a cease and desist of this reporting until this collector is compliant with my request and guidelines under FDCPA and FCRA. If the collector can not provide the requested documents this alleged debt should be immediately deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I routinely check my report, but this time I noticed discrepancies that seemed to appear out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Im deeply concerned and request that the documents I've submitted be carefully reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

In my complaint, I am addressing the fraudulent accounts recently added to my credit report due to identity theft. These unauthorized accounts were discovered while I was in the process of purchasing a home, significantly impacting my ability to secure favorable financing terms. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, which entitles consumers to access their credit reports and dispute inaccurate or fraudulent information. The inclusion of these accounts without my knowledge or consent has caused severe damage to my creditworthiness and jeopardized my financial goals. This conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with Experian, XXXX, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.