23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Starting in XXXX of this year I called both the vendor and the issuer of the credit card to attempt to resolve this matter. Each of the persons I spoke to over the phone appeared interested and willing to help resolve the issue. Never heard back from either the vendor or the issuer of the card. On XX/XX/XXXX I sent by certified mail a letter and packet of information describing to the issuer of the card the items that I returned, showing from the vendor 's website under my account the items clearly marked " Returned ''., and one item that they never shipped to me but that they took the money for. They also charged me {$1000.00} for an item I ordered on XX/XX/XXXX but never received. The actual cost of that item was {$140.00}. I received a phone call from the issuer stating they had received my certified mailing about 4 days after I sent it. On XX/XX/XXXX they sent me a digital letter stating that they had received no proof to show that I am not responsible for the returned items, even though the information I sent them clearly shows that. The copied all of the credit bureaus on their letter.
Product: Credit card or prepaid card

XX/XX/XXXX I got several emails about credit card applications with Bank of America for reward cards for travel, and XXXX XXXXXXXX, University of Delaware XXXX XXXX XXXX XXXX card. I have attempted numerous times to call bank of america but the wait times are out of hand. I tried to make an appointment, but I don't have an account with them to use. I filed a police report with Sherriff 's Department in XXXX XXXX, MD where I live. Case # XXXX on XX/XX/XXXX with Deputy XXXX. I placed an initial Security Alert to my credit file with XXXX, XXXX and XXXX XXXX. I received a letter in the mail from bank of america stating my account ending in XXXX on XX/XX/XXXX claim number XXXX for amount of {$15000.00} and that they are working on my request. Today I received an email from bank of america to confirm my address. I tried to forward it to fraud @ bankofamerica but it wouldn't go through. 

I also received a letter from XXXX on XX/XX/XXXX that they have reviewed my account application and have decided not to open the account. I called XXXX I spoke to XXXX from XXXX XXXX XXXX, UT and she stated it was from the bank division since it didn't have a XXXX number for the credit side and transferred me but the wait is over 15 mins. I tried to use the messenger service on XXXX  website and they said I needed to call to talk to someone about it and gave me a number of XXXX and the wait time said over 10 mins and waited longer on hold with no one answering the phones. I have to work 12-16 hours a day and can't be on hold for long periods to wait to talk. I tried to schedule a time with Bank of America but I don't have a XXXX digit account number to give them so they won't schedule. Everything I have received from Bank of America the account number ends in XXXX and I don't recognize that number. I only have XXXX credit cards I use on a regular basis and I pay them off as I use them, but I do believe I may have had credit cards with these companies years ago but the accounts should be closed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

We have had our monthly payment of {$370.00} automatically withdrawn from our checking account since XXXX XXXX with no issues. On XX/XX/XXXX our credit union XXXX XXXX XXXX XXXX XXXX XXXX contacted me by phone stating Select Portfolio Services , Inc. was attempting to withdraw monthly payment from savings account. I asked XXXX  representative to if it could be paid. XXXX  representative noticed amount comes out of checking account monthly, we haven't made any adjustments with mortgage company. In XXXX Select Portfolio Services , Inc. attempted to withdraw monthly payment, and again they were attempting to withdraw from saving account. However, this time credit union could reach me, so they rejected payment. Upon speaking with credit union, they informed me Select Portfolio Services , Inc has all the right bank routing numbers and checking account number, but they are coding it on their end as savings account. My wife contacted Select Portfolio Services , Inc. in first part of XXXX and spoke with a representative. During her conversation, she gave representative bank routing number and checking account number, which representative verified were correct. My wife requested them resetting our password because we forgot our log in, representative did. My wife made a payment by phone. In XXXX I received notification from Experian Credit Bureau indicating I had an agency report a negative action, it was Select Portfolio Services , Inc. We received a letter from Select Portfolio Services , Inc. in late XXXX stating payment couldn't be made. I contacted Select Portfolio Services, Inc. on XX/XX/XXXX and spoke with a representative. I explained what happened, he informed me my banking information is coded as a savings account. I reviewed routing number and account number, which were correct, however they are checking account information. He explained the only way it could change to saving account is if we go online and change it. I explained we haven't been online, he stated someone logged onto our account on XXXX XXXX, XXXX at XXXX and changed information from checking to savings. I explained it wasn't my wife or I because we didn't know our log on information. I stopped auto pay through Select Portfolio Services , Inc. and have set up auto payment through our credit union. I requested to make missed payment, representative told me it would be a {$15.00} fee. I disagreed because error was done on their end, he told me I could mail a cashiers check or certified check. I asked to speak with supervisor, when supervisor got on line, she explained same. I asked to speak with her supervisor, and she agreed to wave fee this time. I inquired about credit reporting and she said nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft .There are inquires showing on my credit report that I did not authorize. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Date : XX/XX/2018 File # XXXX Transunion has showing on my credit report error of amounts showing as wrong amount owed as well as amount paid monthly. there is n o balance owed on this account and XXXX XXXX did not report the monthly amount correctly. No {$7500.00}, {$9000.00}, $ {$9400.00}, {$10000.00}, {$10000.00}, {$11000.00} {$11000.00}, Etc was ever owed nor was this the correct amount. There is no money owed this is not correct on original amount nor is the monthly payment paid to XXXX XXXX XXXX correct. 
XXXX XXXX XXXX owe me money back and I have retain an attorney for over payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$260.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX {$1400.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00}
Product: Checking or savings account

On Friday XXXX XXXX  I contacted current to dispute multiple transactions made on my debit card. They were unauthorized transfers and then spends. I had not used this account in months and they unauthorized transfers were being made from a remote device in XXXX. The dispute was filed and then closed the following Monday. Customer support was unable to answer the reason as to why, and in the last current has stated their disputes team works during business hours Monday-Friday. I do not believe this dispute was actually investigated, current has multiple accusations of fraud made by them, multiple violations of normal banking guidelines, and does not provide customer support in an adequate manner. I am asking my funds be returned to me asap, or that current is investigated and that their doors closed due to massive customer negligence.
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 accounts 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 XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters to XXXX, Experian and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
Product: Credit reporting or other personal consumer reports

This account is not mine I keep tryna get it off my credit its hurting it they are violating my rights 15 usc 1692e ( e ) Law stating " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications reporting to my consumer report to a form of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my report from ChexSystems after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from XXXXXXXX XXXX in the amount of {$1300.00}. I filed a dispute with ChexSystems and requested validation, they claimed the debt was valid and refused to give me documentation from XXXX XXXX  proving the alleged debt. I believe that Chexsystems is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.
Product: Checking or savings account

On XX/XX/2023 I was the victim of a new Online Scam that resulted in a loss of {$25000.00}. I reported this to Chase but did not specifically ask them to reimburse me as I was not aware that was an option until I spoke with the Detective managing my case today. I did have a long conversation about it with the XXXX XXXX of my Chase branch the next day - who also told me that she had talked to 3 people the week before who had the same thing happen to them. 

The scam began when I got a popup on my computer and my computer was completely frozen. The popup had a XXXX banner that looked completely legit and stated that XXXX XXXX had detected malware on my computer and to call XXXX for assistance in getting the malware removed and my computer unlocked. After trying unsuccessfully to get around the popup on my computer I finally called the number. The phone was answered as XXXX does answer their calls and I was transferred to a XXXX XXXX '. He indicated that my phone might be hacked so he was going to call me back on a secure line. He called back from XXXX. He had me download XXXX software to allow him to see my screen. He then had me execute a couple of command window programs which ultimately indicated that my IP address had been used to download XXXX XXXX. He asked my to look at my Chase account and see if I saw any unauthorized transactions. I did not. He then said he was going to have Chase call me to try and see if there were unauthorized transactions and asked for the number from the back of my Debit Card. I received a call from that number and was told that he could see 3 transactions of {$6000.00} from my Checking Account and {$10000.00} and {$9000.00} from my Savings account from the website for the XXXX. He said he could not block the funds from being withdrawn from my accounts so what he wanted me to do is withdraw the cash from the accounts and buy XXXX. I personally withdrew {$6000.00} from my Checking Account and {$19000.00} from my XXXX account. I created a Bitcoin Account at a local kiosk, uploaded the cash and when that was completed I sent a picture of the Paper Wallet to the guy who represented himself as Chase XXXX. While I was doing this he was monitoring things on my phone using the XXXX app. He said that when everything had been repaired he would then restore the funds to my accounts. Of course that never happened as this was a scam. I am not easily duped in most cases, this was very professionally done all throughout the process.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got fraud alerts from my credit monitoring. There were 2 hard inquiries made with my information to : XXXX. XXXXXXXX XXXX XXXX on XX/XX/year> and XXXX. Synchrony Bank/Lowes on XX/XX/year>. 
Both of these were fraudulent and not me. I notified of the parties above and there has been no resolution to remove these from my credit report. 
I am requesting deletion of these hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022
Product: Mortgage

Huntington National Bank processed a credit bureau inquiry relating to an application for a home equity line of credit without my authorization and signature. My husband submitted the application without consulting me and I received a notification from Huntington National Bank in the mail.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX Date XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged offXXXX XXXX  XXXX Date XXXX Balance Owed : {$10000.00} Charged off XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has several violations against me that I would like report..I submitted a debt validation letter to equifax ..asking for an an investigation into tje 2011 bankruptcy listed on my report ... I have been going back and forth ... and they keep telling me they VERIFIED via XXXX and so the BK will remain. 
I RECEIVED A LETTER FROM MY LOCAL COURTHOUSE ... the furnisher of the bankruptcy ( I have attached a copy ) ..who clearly states they DONT provide any information to the credit bureaus or any third party vendors. EQUIFAX IS IN VIOLATION ... THEY DID NO INDEPENDENT INVESTIGATION ( automated XXXX XXXX is NOT acceptable ) .FURTHERMORE ... .THERE IS A CONSUMER FILE FREEZE ON MY XXXX ... .so how was this validated!!! THE FCRA states that consumer reporting agencies must correct or delete unverifable information. This complaint to you will be my first step ... but this is a violation and IS ACTIONABLE
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

First advantage ran a background/employment check on me and I learned that someone was arrested in XXXX XXXX XXXX XXXX TN and they used my information. Ive never been there in my life!
Product: Debt collection

Sequium Asset Solutions is attempting to collect a debt that I do not owe. I do not and have never had an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted XXXX, Transunion, and XXXX. I have been told by all 3 bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude XXXX representative, I was advised that I should file a complaint against the bureaus with the CFPB.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( tXXXX XXXX XXXX XXXX  ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains.