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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Received email from Betterment that my account access was locked. Had to call them for verification. Spent time on the phone with them to explain everything they asked for and eventually with no other explanation just received an email a few days later that my account was closed. 
Had this account since XXXX  and this is unacceptable way to deal with clients.
Product: Mortgage

I have a fixed rate mortgage with Wells Fargo Home mortgage. I have been paying. {$1800.00} every month. In XXXX my statement showed a payment due for {$1900.00}. This is the XXXX time they have done this in trying to charge me more then what I actually owe. I believe this time it includes an overpayment they made to my local tax office in in my town, They have been holding an overpayment in taxes for months. They contacted me to come and get the money which I never did. Simply because I do n't pay my taxes, It 's included in my mortgage payment. 

Since XXXX they have been holding payments of. {$990.00} in unapplied funds and instead saying I owe them {$10000.00} in order to catch up on payments due. I spoke to HUD the first time they did something much like this. I have been making my payments every month, and have proof of this. They are saying I never made those payments. The payments are reflected in previous statements as {$3700.00}. In XXXX payment increments. But they still show {$10000.00} Total amount due to make loan current. I am extremely tired of the errors this company makes on my statements. It honestly feels like their doing it on purpose at this point. 

I would appreciate it if someone could please contact them on this and correct the oversight. I have already spoke to them myself over the phone and they refused to acknowledge it.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
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 this inquiry in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this inquiry : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2023
Product: Bank account or service

I opened an account with Paypal to conduct online sales of tickets for an event in XXXX 2016. 

I conducted these transactions and received and withdrew money without incident until XXXX XXXX when I received XXXX buyer disputes. I was then notified that my account was frozen and that I could no longer withdraw the funds. I provided PayPal with every bit of documentation requested and while XXXX dispute was closed without their involvement, they ruled the XXXX other disputes ( which were similar to each other in nature ) differently. One in favor of the seller and the other in favor of the buyer. 

They have now placed {$2200.00} of my money in reserves and will not release my money to me until 5 months from now and they will not even guarantee that it will happen then. 

I called and asked them to close the account. I spoke to " XXXX '' a Supervisor on XXXX XXXX and he advised that they could not accept my response to close the account. He also advised that they would not be releasing my money to me. He also would not guarantee me that they would release my money to me on the date of XXXX/XXXX/16 as previously stated in the email. 

They have changed the terms of the initial account setup and I am no longer doing any business whatsoever with this company as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been past due on my auto payments with GM Financial, I contacted the company directly and they had two numbers wrong on my card number, they had access to my account to pull money out of. Requesting removal of the 2x 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. Transunion, XXXX, XXXX.
Product: Credit card or prepaid card

Chase closed Freedom Unlimited credit card without prior notice or communication and placed a Settlement alert on my credit score. The credit card was fully paid off before the next due date stated on my statement. I never negotiated a settlement with Chase nor do I want to. I never requested an amount on my balance at the time the account was closed to be forgiven.
Product: Credit reporting or other personal consumer reports

I wont let my personal info to continue to be reported wrongly. Its affecting me mentally and emotionally causing great XXXX. I demand you fix and update my personal information as quickly as you can so this wont turn into a lawsuit.
Product: Debt collection

Dear Sir/maam Subject : complaint about unlawful collection activity of a credit card, & collection agency. 
Being a dentist, I had no source of income for months ( 6 ) last yr, due to covid mandatory shutdown. 
but XXXX XXXX kept calling, emailing me for monthly dues.all credit card cos were required to offer a deferral programme.but this is the only credit card, that did not even have a deferral programme. they only waived late fees for 2 months, and kept charging me even late fees?? 
I talked to them couple of times, once the agent said, its ok if I cant pay, they will stop the collection for a period of time. But they never did that, only kept adding late fees, and sending me monthly bills, month after month.shockingly, they were mean enough to call me all the time, even on my home phone, and disturb sleep of seniors at home! 
Due to their lack of total sensitivity, I stopped even trying to talk to them.whereas, all other credit cards cos, have been humane, and offered my deferment plans.and I am paying them all on time now. 
I do know, that all credit cards cos were supposed to offer deferment plans, to those effected by lockdown, and total loss of income.but, XXXX XXXX had no such plan?? 
I am also head of household, so any effect on my credit score adversely effects the whole family.its not even my fault. 
my office was closed again since XXXX XXXX, due to very high covid cases in this county. 
i am trying to take baby steps to re-open, but not much business.it will take few months to even get business back to where i can afford to pay essential bills. 
dont forget, i have to file taxes too. 
all the late fees added so many times ( aleast 6 times ) need to be removed. 
i can only think of paying sometime next yr, in 2022, not this yr. 
Finally, XXXX XXXX was quick to transfer my acc to a collection agency.i just can not can not afford to pay this years sir. Have soo many urgent bills like electricity, food, gas, rent,,, to pay first. 
I have seniors at home too. 
I have no choice to file a complaint about this ongoing harassment. 
Thanks XXXX XXXX XXXX credit # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to promptly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. FuthermoreXX/XX/XXXXactions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE PERSONAL IDENTIFIERS ON CREDIT REPORT
Product: Debt collection

I was checking my credit score and found out that Bank of America had charged my credit with a credit card that I have never used or open which I would imagine its due to identity theft.
Product: Credit card

The dispute team and my actual credit union aren't communicating so XXXX was able to lie to the dispute team and say they never got the money and won their case against me and put the money I paid in collections and my credit union isn't willing to reopen my case against them when they can see my transactions
Product: Money transfer, virtual currency, or money service

I made an international wire transfer ( XXXX euro ) with Chase on XX/XX/XXXX, and it says the transaction was completed on XX/XX/XXXX. However, it never arrives at another account. 

On XX/XX/XXXX, I called them and informed them I made a wire transfer, but the other party didnt receive it. 

On XX/XX/XXXX, I sent a secured message, and they were saying they would investigate and help me to recall my funds On XX/XX/XXXX, I went to Bank, and reported my situation, Im hoping everything could sort it out. 

But still, I didnt hear anything from anyone. 
I only want to know where is this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I discovered inaccurate data on myself when I logged into my Experian credit agency account. In an attempt to get the data corrected I searched Experian 's password protected account logon web page for a feature that would allow me to update my data but there was not such a feature to be found. I then tried calling the various phone numbers they listed under " Contact Us '' to talk to an agent but was never given the opportunity to reach anyone. And their automated phone system did not allow me update my data myself. Once you navigate through their phone system menus the automated voice simply says " good by '' then hangs up on you. 

While logged into my account I also wanted to confirm that I had a freeze on my Experian credit rating. Yet, my Experian account window I found no notification of any kind that confirmed my credit freeze was in effect. Only by very difficult navigation through their automated phone system menus was I able to confirm that my credit freeze was in effect. 

Experian listed what looked like and contact email address or a website " XXXX '' that I could reach them at. But it turned out not to be a valid email address or website. 

I finally determined that the only way to communicate with Experian was by writing them a hand written letter and including copies of such sensitive information as my drivers license and my Social Security number. They also required very difficult information to provide such as all the addresses I resided at for many years back. 

My complaint is that Experian collects consumers ' most sensitive information, makes a profit providing this information to businesses requesting it and has tremendous influence on their customers ' financial wellbeing yet they provide extremely poor services and support to assist their customers to make sure their data is correct and managed properly. Consumers are completely at their mercy of these credit agencies like Experian with no reasonable way to communicate with them about their credit information. Since this problem affects all Americans in every state, I feel it would be appropriate for our Federal Government to impose better standards for all agencies in the credit rating industry. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Milestone On XXXX applied for The milestone Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} 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 received a debt collection notice dated XX/XX/XXXX on this day of XX/XX/XXXX. My last date of residency for this account was XX/XX/XXXX. When we vacated the residence, we left behind a full month 's rent as a security deposit, a {$0.00} balance due for rent, a forwarding address ( which is current ), two current telephone numbers, and both of our email addresses if the company needed to contact us for any reason. Since this date, our family has not received contact by mail, phone, or email from the leasing office indicating that there was a balanced owed. The debt collection agency, known as XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX is claiming we owe {$630.00} to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. Again, we have not been contacted regarding any balance owed or damage inspected at our residence since we vacated.
Product: Credit card

My Kikoff account was included in a XXXX XXXX bankruptcy. The balance was {$4.00} when I filed my petition on XX/XX/XXXX. This debt has been discharged as of XX/XX/XXXX. I emailed Kikoff on XX/XX/XXXX informing them that my account is still reporting a balance owed to the credit reporting agencies XXXX, XXXX, and XXXX. I even provided Kikoff with the bankruptcy documents showing that their account was included in my petition. They responded to my request on XX/XX/XXXX by refusing to remove the inaccurate reporting, and asked me to pay the {$4.00} by money order in order to clear the reporting on my credit file. This is illegal because the debt has been discharged and their inaccurate reporting continues to harm my credit score.
Product: Checking or savings account

In the beginning of XX/XX/2023 I called the bank to submit a fraud claim. The claim was not filed when I called the first time, but actually filed a couple weeks later when I called again about a month or so later I finally got my temporary credit and then I got something in the mail, saying my claim was approved. Then I received something in the mail, saying they denied my claim that was already closed and they were going to take that credit away again. When I didnt have enough funds in my bank account, I called and the lady promised me it would not happen and they would not take the money out and then the next week they did so my bank account was - {$200.00}. I called Bank of America again and they told me that I had to file a police report to show that I actually got my identity stolen and the fraud was real. They would not refund me my money so I put my own money in to make my account go back to XXXX dollars then they told me they dont know when they would be able to approve my claim and give me my money back about a couple weeks later they finally did give me the original XXXX that they took out but they still have not given me the XXXX that I had to put back into the bank to get my bank account back to XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian emails me constantly that my credit report has changed. I click on the link. It recognizes my email address but tries to confirm at a phone number I don't recognize. It offers to reset my password, but I don't know the " pin '' At that point, there is absolutely nothing you can do. I see no workflow or phone number to call that doesn't ask for this. 

It's possible that I had all this information more than five years ago when our company was hacked and personnel information leaked and we were encouraged to accept credit monitoring. 

Now I can't use it and Experian provides no way at all, to respond to this. Only a form that requires a PDF file to file a complaint against your report. 

They don't provide a way to recover your account if you loose your pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these inaccurate accounts below and Transunion and XXXX to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have XXXX of the same account reporting on my XXXX with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX