23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX is an account that has been reporting incorrect information. When XXXX was notified they sent a letter in response asking for verification of address. before verification was even sent they closed the dispute. When called them said the account was updated didnt list how it was or in what manner. Account still has no information that relates to me as a user. All personal information on account does not match any XX/XX/XXXX address Ive ever resided at. All information ok account does not match XXXX file. When asked how dispute was ran they stated we asked the company and they said it was correct. Verbally stating they did not actually run dispute. This has been the 3 situation theyve not ran the dispute and had to come back and remove a file after fraudulently claiming they ran a Dipsute at FCRA standards. They have continuously stated they have but will not actually run dispute correctly unless legal actions are taken against them. They have 0 validation for debt as their source XXXX has no information for debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute the following accounts with reporting agencies and creditor several times without success : The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts : 1. XXXX XXXX XXXX XXXX : {$9400.00} Status : Charge Off, Date Opened : XX/XX/XXXX - 2. XXXX   XXXX XXXX  XXXX XXXX : {$590.00} 3. XXXX XXXX XXXX XXXX XXXX : {$730.00} Status : Charge-Off, Date Opened : XX/XX/XXXX 4. XXXX | XXXX : Balance : {$570.00} Status : ChargeOff, Date Opened : XX/XX/XXXX 5.  XXXX XXXX | XXXX Balance : {$580.00} Status : Charge-Off, Date Opened : XX/XX/XXXX 6. XXXX XXXX/XXXX   | XXXX Balance : {$660.00} Non of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act ( FDCPA ). The dispute service online on XXXX has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.
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 this item listed below for me to ensure accuracy. 

XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit card or prepaid card

I have been receiving emails from ACE Flare Account by XXXX since XX/XX/2020 stating that I have an open account with them. I never opened a credit account or purchased a debit card with this company. I thought it might be a scam, so I researched online and XXXX has this company listed on top of the search results as " Official Site '', so I felt more comfortable calling their customer service number. Here is their website and phone XXXX XXXX XXXX XXXX. One of their emails to me mentioned a {$50.00} balance on my account.

Their rep asked for my address and the last 4 digits of my social which I provided. Then they asked when I purchased the card ( this seems to be a pre-paid debit card ). I said I never purchased this card and thought it might be fraudulent use of my personal information. They said that since I could not answer the question, I had " failed their verification process '' and they could not help me. This was a huge red flag. I asked what I could do now, for example, how do I report fraud.. they just kept repeating that they could not help me because I failed their verification because I could not tell them when I opened the account - completely ignoring the fact that I never opened the account and was calling to see if it was fraud. I had to hang up because he refused to provide any more info and refused to send me to a fraud dept. 

I checked online and saw many, many other people that had the same complaint - that accounts were opened in their name without their consent and that customer service could not help them close the accounts. One person mentioned that they were informed by ACE Flare customer service that this card was a " promotion '' which I found suspect. Others said it's a phishing scam. Another person mentioned that ACE Flare is owned by a company called Netspend. They provided an email for management, XXXX. I sent an email to Netspend to request they close the account, but I'm afraid that they are all complicit and it may not do any good.

I am concerned that this company has my previous address and the last 4 digits of my social security number which could be used to compromise my identity for fraudulent purposes. I would appreciate your help in getting to the bottom of this and letting me know if I have reason to be concerned and what I can do to protect my identity.
Product: Money transfer, virtual currency, or money service

I knoticed transactions on my prepaid card account that were made via cash app I contact cash app in reference to those unauthorized charges and cash app informs me that someone created a cash app account in my name and used my debit card to send money via cash app. So I ask cash app where was my money sent to they wouldn't tell me where they wanted me to give them the cash tag for the person received the money I respond that I don't know what a cash tag was and not does it say that on my statement I give them what I have on my statement and ask them to close any accounts that have my card linked to because of unauthorized charges and it's fraud I'm told to contact my bank to dispute those charges and I do that but my bank declines approval of dispute stating after contacting cash app they deemed chargers was authorized when I have never used cash app before they have not done anything to help locate my money or gave me info to recover my funds so I have taken out of this situation is that cash app will allow fraud transactions to occur and do nothing to help recover funds I don't know what email was used I can only provide my card number that was used and cash app does nothing except say that's all they can give me case closed
Product: Credit card or prepaid card

My wallet was stolen on XX/XX/XXXX I immediately contacted the police to file a police report. Due to me loosing my card the crook already used card first unauthorized transaction at XXXX for {$190.00} and {$290.00}. I contacted Netspend to dispute charges. They said the charge to card was pending to call back next day. So I called back the next day on XX/XX/XXXX then they started transaction dispute. They didn't give provisional credit like they say the would. Told me I have to wait after investigation completed and it will be completed on XX/XX/XXXX .. Then XX/XX/XXXX came they closed it without getting my money back. I sent them everything including video of the crook from the store picking up wallet. Police report and all I talked with merchant from XXXX he said no one from Netspend contacted them about this issue. After hearing the closed my case with no finding I contacted Netspend and ask for supervisor got denied to talk to supervisor. I asked could I speak to someone who works with dispute and a customer service representative said it's no one you could speak to. Then searched online for a corporate number it was disconnected no number to reach out to. Another XXXX XXXX XXXX sent a email saying my Money of {$280.00} was deposited back on XX/XX/XXXX have yet to receive that money back as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Debt collection

I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

I am receiving collections calls and see in my report accounts and loans that do not belong to me.
Product: Credit card or prepaid card

ON XX/XX/2021 I LEARNED OF A {$6700.00} CASH ADVANCE ON MY CREDIT CARD. I DID NOT DO THIS TRANSACTION BUT WAS TOLD AFTER THE INVESTIGATION I WAS RESPONSIBLE. SEE ATTACHED NAVY FEDERAL CREDIT UINON STATEMENT ... I QUESTIONED? WHY IS TRANSACTION DATE AND POSTED DATE DIFFERENT? NO EXPLANATION... WHY IS ONE OF REFERENCE NUMBERS ALL XXXX? NO EXPLANATION. PLEASE HELP ME. I AM DESPERATE. THANK YOU IN ADVANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX - XXXX XXXX, I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX  XXXX XXXX, Account Number : XXXX ; XXXX  XXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX  XXXX, Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate Sears Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under Shell CBNA on XX/XX/XXXX in the amount of {$600.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

After spending {$20000.00} for a {$14000.00} 2017 XXXX XXXX / XXXX XXXX a Car their Buy Program, I was denied {$0.00} down financing. I had just left my [ XXXX XXXX XXXX ], who have me recorded of having a XXXX FICO. But after a long, strange XXXX XXXX to XXXX, somewhere between XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX to date XXXX ) and the Credit Bureaus ( Trans Union, XXXX, and XXXX ), I was not only denied credit but XXXX therein presented me with what appeared to be a FORGED XXXX document bearing a XXXX of XXXX or so. I then told XXXX that this information is not only incorrect from the Bureaus were under Court Order : the residence issue : my address was supposed to have changed pursuant the XXXX XXXX XXXX XXXX ' findings : Mortgage Fraud, defendants : XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX for XXXX XXXX and wife XXXX XXXX / Section 1189 and G.C. 8224.1 Violators. See FERA Act of 09.  And that at least {$250000.00} ( USD ) was suppose to be reflected to each respective parties in concern, bearing case number XXXX / Related Case numbers as the Credit Burea account  numbers. However, none of these things have been done to date and or as the Law outlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer for XXXX  XXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX  XXXX  XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EQUIFAX in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Product: Credit card

Promotional rate fraud Synchrony Bank I opened a promotional credit account for the purchase of a treadmill. tI paid the exact amount necessary to pay off the treadmill before the promotion expred. The card applied my payments to non accruing interest instead of principal and then hit me with deferred interest charges which exceeded the cost of the treadmill to begin with. I was never notified of any promotional rate expiration as required.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted EQUIFAX and told them that this Fradulent Account are fradulent and provided proof, even though they told me that this Fradulent Account were verifed. Please dispute and remove this fradulent information from my credit report. 
XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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
Product: Debt collection

On XX/XX/2021 I sent Receivables Performance Management a cease and desist to cease all illegal activity when it comes to the collection of alleged debt company says is mine. I also gave specific demands on how to move forward with account company didnt comply. I requested specific things from the company and they also didnt comply with that. Receivables Performance Management also didnt respond to my affidavit of truth and any unrebutted affidavit of truth stands true in court and Receivables performance management is in default. Receivables Performance Management is willfully not complying with the FDCPA. I stated the violations that they have violated and a spokesperson for company said they havent committed any. I gave company 30 days to respond to my letters through mail and they havent complied. This company is causing me great harm due to mental stress these illegal activities have caused me. Ive been limited on credit extensions due to this illegal reporting and I have been having anxiety about this matter. I wish for it to be over its harming my reputation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX from XXXX ( Fraud Dept ) Emailed me to confirm receipt of Police Report and FTC report of invasion and Identity Theft. 

Within this email XXXX composed a statement to inform me that Control Number 's XXXX & XXXX were sent to Experian and she apologized for the this occurrence and the affect it had on my personal credit profile. 

**** XXXX Fraud Prevention and Loss had to contact Experian to close fraudulent account. Experian did not do so subsequent and OPPOSED to what they advised me to do to have it removed. That being to upload documents ( FTC and Police report ) to Experian.com/upload. 

Upon receipt Experian sent me an alert stating my dispute was closed and updated and account was removed. 

However when I initially disputed with Experian several times they never removed it. 

Once removed Experian raised my score only XXXX points. 

I know the algorithm is based on the longevity of the account and this fraudulently established account was fairly new and it was an account that was FRAUDULENTY ESTABLISHED... so this should have impacted my score to raise higher than XXXX its. 

Please see the report and dispute information dates as to see that Experian remained this account after my disputes. XXXX Contacted Experian on XX/XX/2022 to force remove this account after I contacted XXXX to tell inquire as to why they are remarking to have Experian remain to keep this fraudulent account. 

Please see the uploads ***THE LAST DISPUTE I SENT IN ON XXXX WAS REPORT # XXXX XXXXSEE UPLOAD** EXPERIAN REMAINED TO KEEP AND CLOSE DISPUTE***. THERE WERE NO OTHER DISPUTES ... I THEN PROCEEDED TO CONTACT THE CREDITOR OF THAT FRAUDULENT ACCOUNT ( XXXX ) WHO THEN GOT ON EXPERIAN TO REMOVE! 

Experian LISTED THIS REMOVAL AS A CLOSED DISPUTE HOWEVER ALL THE DISPUTES WITHIN THAT PREVIOUS 30 DAY WINDOW WERE CLOSED ASIDE FROM INQUIRY REMOVALS. HOWEVER EXPERIAN REMOVED THEM UNDER PRETENSES OF A A DISPUTE HOWEVER THE REAL REASON THEY WERE REMOVED WAS BECAUSE XXXX HAD TO CONTACT THE BECAUSE I WAS NOT HAVING ANY SUCCESS ( AFTER SUBMITTING FTC IDENTITY THEFT AND POLICE REPORT ) HAVING EXPERIAN HONOR THE CONSUMER PROTECTION LAWS AND EVEN WORSE THAT I WAS A CONSUMER VICTIM AND COMPROMISED ***THE LAST DISPUTE I SENT IN ON XXXX WAS REPORT # XXXX EXPERIAN REMAINED TO KEEP AND CLOSE DISPUTE***. THERE WERE NO OTHER DISPUTES ... I THEN PROCEEDED TO CONTACT THE CREDITOR OF THAT FRAUDULENT ACCOUNT ( XXXX ) WHO THEN GOT ON EXPERIAN TO REMOVE! 


MY CASE AND POINT? THAT REPORT NUMBER FROM EXPERIAN WAS THE LAST DISPUTE I MADE AND IT WAS CLOSED AND UPDATED XX/XX/XXXX AND EXPERIAN KEPT ON MY CREDIT REPORT. EXPERIAN SHOWS THAT THEY REMOVED IT DO TO MY DISPUTE. THERE IS NO DISPUTE NUMBER THAT EXPERIAN CAN ATTACH THIS TO AND IF SO HAVE THEM PROVIDE IT. 

THE ACCOUNT HAS BEEN REMOVED YES HOWEVER CONSIDERING THAT IT WAS A COLLECTION AND A FRAUDULENT COLLECTION I SHOULD HAVE A HIGHER SCORE RAISE.
Product: Money transfer, virtual currency, or money service

I used MoneyGram regularly to send money to XXXX with the option to deposit directly to the receiver 's bank account. This transaction normally takes a couple of days to clear and have the funds available by the receiver. 

On XX/XX/2020 I sent {$800.00} to the same receiver 's bank account previously used ( the receiver 's account 's number is automatically stored in Money Gram 's website for convenient repeated transactions ). Five days later ( XX/XX/20 ) I called customer service to get the status on the transaction since the money has not appear in the receiver 's bank account. The customer service person I spoke with claimed that MoneyGram made the deposit to the receiver 's bank account the next day on XX/XX/2020 and that MoneyGram not responsible after the deposit is completed. It's up to the local bank he said. But MoneyGram is not able to provide proof of the deposit made to contact the bank ; neither provides assistance to figure out where the money went. 

Their customer care is poorly set up.
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 :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name :XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX