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

I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help me.
Product: Credit reporting or other personal consumer reports

I submitted several Identity theft reports to the credit furnishers for the fraudulent accounts on my credit file to be blocked/deleted. The credit furnishers ignored my complete and accurate Identity Theft reports, police affidavit and IRS identity theft affidavit supporting my claims. Instead I was sent a letter stating they were not gon na block it and suggested I requested this in error. They treated my claim as a regular dispute and processed it which the creditors response is it's verified which is their justification for not removing the fraudulent accounts. My identity was stolen of course the information will verify they have the correct information. The proper protocol was not done. This violates my rights as a consumer under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAVE REQUESTED DEBT VERIFICATION LETTER MULTIPLE TIMES FOR A DEBT WITH CITI ACCOUNT ENDING IN XXXX, I RECEVIED A LETTER THAT I AM NOT RESPONSIBLE FOR THE DEBT AND CONTINUE TO RECEIVE NOTICES ON THSI DEBT AHVE SPOKEN TO CITI MULTIPLE TIMES AND IT CONTINUES TO BE REPORTED I HAVE LETTERS I CAN SEND YOU I HAVE SPOKEN TO REP ENDING IN XXXX on this matter and have been given wrong and misleading information. i received the letter in XXXX and they refuse to update credit report, i have also requested debt validations that are on credit report for accounts ending in XXXX i have requested this numerous times before it was sent to collections. i attachted the email i sent citi that was sent on XX/XX/XXXX, in regards to a call on XX/XX/XXXX i have requested debt verification letters on 4 occasions between XX/XX/XXXX and XX/XX/XXXX and have not received anything they have my correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 card or prepaid card

1. Payment due dates are changed every month without any previous notice to create " got-ya '' moment with intent to fradulently charge fees and interest. Example : the statement with billing period ( a ) XX/XX/23 to XX/XX/23 had a payment due date of XX/XX/23, ( b ) XX/XX/23 to XX/XX/23 had a payment due date of XX/XX/23. 

2. For billing period XX/XX/23 to XX/XX/23, we were prompted to pay " Remaining Statement Balance, '' and we paid the remaining statement balance {$1100.00} way before the due date. We had statement credits from rewards points and other past payments. 

3. For billing period XX/XX/23 to XX/XX/23, we were chared {$17.00} in interest- even after paying the full " Remaining Statement Balance '' as prompted. 

4. There was absolute no basis for the $ XXXX rather XXXX XXXX should have given us interest for having credit balance. This is fraud and deception. 

5. We contacted Citi 's Customer Service- they admitted the problem- and informed us that the " System '' is not allowing them to refund the money. When we requested to cancel our credit cards- he told me that system does not allow him to cancel the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Product: Debt collection

I am trying to remove midland funding from all XXXX credit reporting agencies because they have lack of debt validation proving this debt was mine. I hired a law firm to contact them and they still could not provide proper proof but refused to remove from credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Affirm on XX/XX/XXXX regarding two account opened fraudenlty in my name and have not received a response regarding this matter. I explained how my ex roommate XXXX XXXX, opened these account in my name using my information. She had access to my cell phone, and all of my personal information. I tries to file a police repot however due to the amount of the debt I was advised to file a FTC report which I did regarding this issue and provided Affirm with a copy of the report. 

Affirm : Acct # XXXX Original balance {$550.00} Affirm : Acct # XXXX Original balance {$620.00} It look like both account was opened on the same day XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I made a purchase through PayPal due to their claim of providing " purchase protection ''. I purchases a set of mint condition wheels from a seller of a business. I sent the seller the payment on XX/XX/2024 including the amount for the wheels and actual shipping cost. Seller then had the tires removed and sent a picture of the wheels without the tires. I notice a marking on one of the wheels and just thought it was residual rubber and didn't think twice it was damage as the seller know the wheels were very expensive and I reiterated many time they are no longer made. Seller did damaged the one wheel and then proceed to send the wheels instructing XXXX to not pack the wheels with any kind of protection. Thus incurring more damage so he can blame the damages on XXXX. After contacting the seller with no resolution I filed the case with PayPal. I submitted countless photos of the damages and detail documentations of the conversation and proof showing the wheels were already damaged prior to shipping along with estimate of the repair cost from the manufacture. PayPal wasted over 60 days of my time and with no proof by seller closed my case in favor of the seller even though the entire case was one sides with proof and documentation provide only by myself. I am no forced to keep a set of wheel in the condition other than what I paid for. PayPal did not do their job as I provided countless documentation clearly proving the case. Any imbecile can ease see the case was clear by the photos, screen shot of the conversation, detailed time lines etc.
Product: Checking or savings account

A frost bank account was opened in my name without my consent, I had no knowledge until inquired for a account
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. My personal information has been breached multiple times. Please remove these inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These auto inquiries were pulled without my knowledge or permission by XXXX XXXX XXXX XXXX. They admitted to me on thephone they did it without my knowledge or permission to try to find me a better rate, even though I specifically told them I was going through my credit union. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Contacted the company today on XX/XX/XXXX at XXXX central time. Spoke to a guy named XXXX   that was rude and told me he was director of operations. In addition I have a payment set for Friday the XX/XX/XXXX via debit card. I called and asked if I could make my payment early today. He said I could make a payment but that the payment on the XX/XX/XXXX will still process. I stated I wanted the payment to apply today so that it would save me two days interest. He said you arent saving much and stop talking to me Like you know the laws. I know the laws and regulations and we are required to still Process a payment on the XX/XX/XXXX ( untrue ) so all I could do was keep it. This is miS handling of my account and I feel charging me fees that I shouldnt be charged for 2 days. Please help!!! My account number is XXXX
Product: Credit reporting

Called medical card and XXXX XXXX and they said these company 's are not aloud to bill me I 'm not reliable for these bills
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries from XX/XX/XXXX and XX/XX/XXXX from both XXXX and TransUnion I disputed several times with both that they were unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of these loans do not belong to me and should not be reporting to my credit. XXXX advised that the incorrect information will be deleted and my credit report will be updated, but there are still loans that don't belong to me for years causing my credit score to suffer. I have contacted the department of education and XXXX but since they are closed im finding there is a significant delay with verifying this information. XXXX did lots of fraudulent loan applications and i never received some of the monies reported. Please delete this information until it can be reported to my credit report 100 percent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian ( opened with Experian on XX/XX/XXXX and XX/XX/XXXX dispute date from Experian was received ) about 3 year+ XXXX XXXX XXXX Credit Card account that both XXXX and XXXX XXXX report as never late. How is it, that I file a report on XX/XX/XXXX and on XX/XX/XXXX that dispute is resolved? I am almost certain that Experian did not confirm with both XXXX XXXX and XXXX the details on this old credit card account. In XX/XX/XXXX I was hospitalized for XXXX XXXX and was not able to access accounts ( due to electronics limitations ) in hospital for more than 7 days. 

XXXX and XXXX XXXX explored my complaint about XXXX XXXX XXXX  and corrected my credit reports in their systems but not Experian. They need to all report the same via Fair Credit Reporting Act. I attempted to file another dispute to resolve this matter with Experian today ( XX/XX/XXXX ) but Experian system would not let me file it. I disputed this incorrect filling numerous times and Experian needs to pay fines under Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Checking or savings account

Hello my credit card was stolen in XXXX XXXX and M & t will not reimburse me for charges. I have filed police report, also was not in XXXX XXXX at the time of the charges and have documents to support these claims. I will attach documents It is over XXXX in charges .I have been a customer with XXXX for 22 years - I was not aware the card was stolen at the time of charges XXXX 2021. I was not on the Island when these charges occurred and we clearly fraud.
Product: Checking or savings account

Hello All, Capital, one froze my account back in XXXX I believe. Any way I called them to understand what is going on and they said they are going to close my account due to the activity on my account and I said what type of activities is causing this and they said they can not disclose it, any way I said just close my account and send my {$4900.00} back and they said well your account is under investigation and we can not give the timeline since its under investigation. Its over XXXX  months, they care the less to respond and explain me in the timely manner and release my fund. I think they are not even investigating and making fullish reason, using consumers money. I even called today speaking to the supervisor and he was like I don't have any update, and you call lawyer if you need to but I can not and will not share anything. Also, he declined to reveal his last name saying, they can not reveal it. How is it fair that we disclose our SSN and all the personal details to the bank, and they are not obligated to share. I also want you guys to know this.

I have the details of the individual I spoke to
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$560.00}
Product: Debt collection

The company called credit Acceptance I have requested in writing to receive documentation to verify this debt and also a deficiency document that shows what I supposedly owe I send this letter certified mail which they received on XX/XX/18 they havent responded and has been more than thirty days the company has sent back a generic faq sheet about how they share information I also sent in all my identifying information have not received a response yet currently reporting on my credit report as owing XXXX dollars I would like to see the documentation that is backing this claim
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX  regarding account number XXXX ( XXXX and Experian ) and XXXX ( XXXX ) as detailed in my credit reports. I believe that this account contains erroneous information that violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the removal of this account from my credit reports. 

Inaccuracies and Violations : Inconsistent Reporting of High Credit : XXXX : {$6900.00} Experian : {$0.00} XXXX : {$6200.00} Violation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a high credit of {$0.00} when there is a known balance is misleading and inaccurate. 
Misleading Payment Status : All bureaus report the payment status as " Collection/Chargeoff, '' which does not accurately reflect my payment history and efforts to resolve this account. 
Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers of information must provide accurate information regarding accounts. 
Discrepancies in Account Status : The " Date Last Active '' varies significantly across reports : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This inconsistency violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 1 ), which require accurate and complete information in consumer credit reports. 
Inaccurate Last Reported Dates : The last reported dates are inconsistent : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 U.S.C. 1681e ( b ).

Negative Comments Misrepresentation : Comments indicate a charge-off and profit and loss write-off that mislead potential creditors regarding the account 's status.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not provide information known to be inaccurate or misleading.
Product: Checking or savings account

On XX/XX/XXXX XXXX my ATM card was allegedly swiped at Wells Fargo in XXXX NJ multiple times to withdraw money from my account ; however my card was in our apartment in XXXX XXXX NJ and I was on the beach with my husband in Point XXXX XXXX NJ from XXXX to XXXX. From the multiple attempts one went through and {$1000.00} was stolen from my account. The debit card in question was a fresh replacement after another recent fraud. Nobody ever had access to my card, and nobody ever had access to our apartment- we have cameras both outside and inside. I used this new debit card only once - at the Wells Fargo in XXXX NJ to deposit money on XX/XX/XXXX. I am the only person who knows the PIN to this card, and it is not a personally chosen PIN but the one the bank gave me. Also, I don't think the PIN was even used for this transaction as it shows up as a swipe. I received no communication from Wells Fargo to approve these attempts, the only communication from the bank was after the fact, to verify the transactions - after the money was already gone. When I saw the text message I immediately called Wells Fargo to report the fraud. 

I don't think Wells Fargo is taking this case seriously. Somebody has stolen literally all my savings and I am left without money and without help. Nothing has happened in 10 days. 

I have also filed a police report, with the below details : XXXX XXXX POLICE DEPARTMENT CASE # : XXXX XXXX XXXX : XXXX DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Respected Officials, I noticed a credit of {$48.00} issued for a dispute I opened with Bank of America. But I received a notification on my mobile saying an extra XXXX cents were credited. I don't know why they credited the extra money. I want them to take it back. 

Claim number : XXXX Even though I indicated that my house hold has 3 members, my son is out of state enrolled in a university. But he is officially a resident of California as he is not XXXX yet. 

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

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX. Inquired on XX/XX/XXXX ;