23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time requesting 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 : 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Checking or savings account

There was a dispute made for payment made of {$1500.00}. The money was deducted from my account on XX/XX/2023. The dispute was made on XX/XX/2023. The dispute was canceled on XX/XX/2023. The update and confirmation was on XX/XX/2023, however, the funds have not been processed back to the merchant. The funds were a down payment for a vehicle and the dispute was originally supposed to be just for fraud website where I purchased a bag. This payment along with another payment was added to the dispute which is why I canceled it. The money was not sent back to me and the merchant is implying that the funds are not sent back to them as well. My vehicle is being detained due to these accusations.
Product: Credit reporting or other personal consumer reports

There are errors in my credit report regarding late payments that dont reflect my payment habits. Please correct them and update my account.
Product: Debt collection

I was victim of Identity theft and wants these removed from my credit reports I've reached out to the company many times with no response. XXXX for {$1200.00} account # XXXX. Also XXXX XXXX Accounts that was open frauduanlty account number XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. 
XXXX Experian XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, XXXX  XXXX {$810.00} open XXXX, XXXX  XXXX {$280.00}, XXXX XXXX XXXX {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below regarding XXXX XXXX XXXX Acct # XXXX : According to the IRS, when creditors cancel debts, they are required to report the canceled amount if it is over {$600.00} to the IRS using Form 1099-C cancellation of debt. The charged-off/cancelled deb on this account is over {$600.00} ( {$3000.00} ) and no 1099-C form has been issued. Once this debt was cancelled, I should have received a 1099-C form in order to report it on my taxes as income. This should not be on my credit report.
Product: Debt collection

They have called my mother, my aunt, my uncle and my father. Even though none of those people I have any form of relationship with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on Trans Union but not XXXX or XXXX. 
Attached you'll find a screenshot of the XXXX displaying the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I have tried repeatedly in vain to dispute inaccurate information reflected on my Transunion Credit Report. They first would not allow me access to their site, and now they do not have a functioning dispute resolution process on the site. I will attach screenshots of the non functioning webpages. 

Transunion is not only preventing me an opportunity to dispute inaccuracies but is harming me by continuing to include them. The failure to allow me an opportunity to dispute the inaccuracies I feel is a violation of my privacy rights. I have made repeated attempts to dispute the inaccuracies. 

To me it appears that they are creating an intentional system of obstacles so as to prevent consumers an opportunity to exercise their rights under the FCRA. 

Their false report data and the lack of an opportunity to challenge it has lead to the following damages : 1. denied opportunities for credit which have harmed my ability to pay bills and access credit I was otherwise entitled to be extended.

2. allowed possible identity theft to occur on my name and credit history.

3. violated my rights to privacy in my financial data.

In order to document the websites lack of functionality see the time elapsed in the screenshots, showing how the page for disputes merely remains blank indefinitely, not just a failure to load. Also see attachments denying me access to my own information and the opportunity to dispute/optout.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off the loan on my XXXX XXXX XXXX ( XXXX XXXX ). I have called Kia Finance Customer Service repeatedly asking them to release the lien so that I can sell the vehicle. For 2 months I have been told that all they can do is email the title department. I have asked to speak with the title department directly and was told that they don't speak with customers. I was told that the lien would be released on XX/XX/XXXX. As of today, the lien is still there. I can not get a title. I can not sell the car. They acknowledge that the loan is paid in full - yet there is no one who can get them to release the lien or send the title. It has been 2 months since the car was paid off.
Product: Credit card or prepaid card

I received my citicard statement and noticed that the previous month 's balance had not been paid. I checked my checking account statement and saw that a payment had not been made for the previous month. I called citicard that I did not recall receiving the credit card statement. I told them that I would pay the entire balance but would like the {$25.00} late charge refunded. I was told that the computer said that I was not eligible for a refund. When I asked why, they would not tell me. Only that the system said I was not eligible. I had never been late before. I had always paid my balance in full, which may have been the problem in that they did n't make enough money on me. However, I feel that I was owed an explanation as to why my request for the refund was denied. I understand that a company will generally refund a late fee one time. Since they refused to tell me why my request was denied, I have no way of knowing the basis for the discrimination in my case. I have since paid the card balance in full and my card has been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB on XX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at _ and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today, XX/XX/XXXX, three months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX  had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
Product: Checking or savings account

XXXX. The is the same Consumer Financial Protection Bureau complaint XXXX CFPB Complaint ID : XXXX against Capital One Bank regarding my Spark Business Basic Checking Account ending XXXX. 
XXXX. Capital One Bank suddenly closed this account in XX/XX/XXXX without my authorization and without informing me of the reason for the closure. 
XXXX. Capital One Bank claimed that the final closeout check # XXXX for {$970.00} was issued to me and that Capital One Bank records indicate that I XXXX. XXXX XXXX XXXX cashed the check on XX/XX/XXXX. 
XXXX. I never received any check from Capital One Bank and the claim that I received the check and cashed it was a lie and a XXXX XXXX 
XXXX. I challenged Capital One Bank on that claim and pointed out to Capital One Bank that the signature on the cashed check was NOT mine. 
XXXX. Capital One Bank then asked me to sign an AFFIDAVIT AND AGREEMENT OF FORGED ENDORSEMENT ( attached ). 
XXXX. I have done so via email ( XXXX ) on XX/XX/XXXX, XXXX, but the next response from Capital One Bank has been complete silence! 
XXXX. I sent Capital One Bank a XXXX follow-up email on XX/XX/XXXX, XXXX, and again, the response was a complete silence. 
XXXX. I sent Capital One Bank a XXXX follow-up email on XX/XX/XXXX, XXXX, and again, the response has been complete silence. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Paid in full XX/XX/12 Sent check and cashed
Product: Credit reporting, credit repair services, or other personal consumer reports

I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then TD Card services puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, TD card services, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and TD is not doing much to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, looking at my Experian and XXXX, it shows some derogatory accounts that do not belong to me. 
XXXX XXXX XXXX THE AMOUNT {$970.00} THIS WAS POSTED ON MY ACCOUNT XX/XX/XXXX XXXX XXXX XXXX WITH THE AMOUNT {$2200.00}. THIS WAS POSTED ON MY ACCOUNT AS OF XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of a pig butchering scam. I was asked to wire XXXX to a bank in NY. What I thought was an investment institute where we members were given knowledge of stocks and then cryptocurrency. In total, I was scammed out of XXXX. The First wire transfer of XXXX was done on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Services has violated my privacy by reporting a fraudulent account on my credit report from XXXX XXXX XXXX XXXX. They had 4 days to block information that was reported as fraudulent. Today is XX/XX/2023 and the account has been updated and verified as accurate. Attach is a copy of the Police report that filed. Please delete account.
Product: Money transfer, virtual currency, or money service

Some criminals stole my personal information from the dark web ( from breached DMV databases and Chase databases ) and hacked my online Chase account. They called Chase, requested a temporary password, added an XXXX XXXX  as a trusted device ( and I do not own such a device ), created XXXX XXXX recipients illegally, and Zelled {$800.00} ( XXXX XXXX, XXXX phone : XXXX ) and {$1300.00} ( XXXX XXXX, XXXX phone : XXXX ) to the XXXX illegally created recipients. I then received email notifications about the added recipients and immediately called Chase fraud department to request them to stop the transactions. We even transferred al the remaining money from the checking account to the savings account. Unfortunately, by the time Chase froze my account, the amount of {$2100.00} already went out. 

I also went to Chase branch at XXXX XXXX XXXX, XXXX, TX XXXX on the following morning and reported the incident to the bank in person and switched my account info to avoid further damage. Also, on the following afternoon, someone pretending to be from Chase ( with an XXXX accent ) called me and my wife repeatedly and also sent us notifications that will lead to our Chase account. Upon verifications with Chase bank staff in person, these were also fraudulent calls.
Product: Credit reporting or other personal consumer reports

I called each of these companies to remove inquiries from my transunion credit report that I did not authorize nor do i have an account with. XXXX XXXX is on here and I am not a student. My credit has been comprised. 


JPMCB CARD SERVICES ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES ( Bank ) XXXX XXXX XXXX
Product: Debt collection

Tried to pay debt directly to company and they refused my payments stating it was send over to a third party collector. Every other month theyre updating the account with information that isnt accurate or its being sold to another company. The company cant verify any information neither did I give them the consent or sign anything saying its okay to pay the 3rd party company.

The collections are through National Credit Adjust and XXXX XXXX XXXX. They cant verify accuracy I have disputed this several times through XXXX and they will not take the time to validate anything..
Product: Checking or savings account

I am writing to dispute a fraudulent charge on my account in the amount of {$44000.00} I did not make or authorize this charge and may have been the victim of identity theft. 

On XX/XX/XXXX I filed a dispute with CHASE via fax and explained that someone stole money from my account a merchant name XXXX Transaction Date : XX/XX/XXXX took money from the account in the amount of {$15000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$5000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$10000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$14000.00} I have never done business with the merchant name XXXX and I never authorize XXXX to take money from my account. I did not make or authorize this charge. 

I requested CHASE that the charge be credited and reinstated to my account and I receive a correct statement ASAP. I also asked CHASE to investigate this matter. CHASE failed to investigate this matter properly and correct the billing error as soon as possible. My CHASE account at the moment is negative, chase also locked my account and I have no access to my banking account. 

CHASE failed to protect my bank account and my money. CHASE claims to protect their customer from unauthorized charges and fraud. Failed to protect me as their customer.

I failed a dispute with Florida Attorney General. I also contact the local media, TV, and news. I will take this fraud nationwide if CHASE fails to fix it. 

These requests are being made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) Im requesting any finance and/or other charges related to the fraudulent charge be credited to my account. These charges are fraudulent.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, 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 an 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. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I filed a XXXX XXXX XXXX. At the time, I had a cash advance balanace of {$120.00} which I was wiling to pay. I had been contacted by Chimes corporate counsel XXXX XXXX XXXX advising in order to comply with the XXXX XXXXXXXX ( because they were attempting to collect on this bankrupt debt during the bankruptcy proceedings ) that they were forgiving the debt. 

I made several attempts to contact XXXX XXXX to verify if they were going to delete the credit bureau reporting since the debt had been forgiven per his email. XXXX XXXX did not respond. 

After the bankruptcy was closed in XXXX XXXX  XXXX started to report this debt for which they had forgiven as a bad debt on my credit bureau. 

This is deceptive in the worst possible way. They represented in writting a contract that they forgave a debt then misrepresented to the credit bureaus that it was a bad debt in order to attempt to both slander my name and attempt to collect on a debt for which they contractually forgave. 

They are illegally furnishishing misinformation to the credit bureaus which is resulting in a significant drop in my credit score and an inabilility to obtain credit.
Product: Credit card

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the IMEI number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a XXXX XXXX XXXX at a district for public schools and a XXXX XXXX XXXX. Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. As a result, XXXX decreased my limit and so that is now on my credit report. They didn't want to work with me nor did they care. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. Little by little every credit card company has made me feel like I am nothing. I have lost everything I worked so hard for. And I am the victim here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened a new collection account in XX/XX/XXXX after I gave them XX/XX/XXXX bankruptcy information, by phone when they called my employer, in XX/XX/XXXX. This account was collection for an account included in XX/XX/XXXXbankruptcy. This account should be DELETED as a post-bankruptcy collection has significantly affected my credit score. I sent an email to the XXXX  on XX/XX/XXXX. I sent a fax to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX. Representative XXXX put me on hold then disconnected me. On XX/XX/XXXX, I again called XXXX and was transferred to the voicemail of an unknown person. I left a message. I have yet to receive a response from XXXX. I am attempting to refinance my auto loan and this incorrect collection account has caused a significant delay. Post-bankruptcy collection is definitely a negative impact and a violation of Federal Bankruptcy laws.