23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21, my wallet, along with two credit cards from Chase were stolen out of my vehicle. When I found out the next morning due to receiving fraud texts on my phone, I immediately called Chase. At first, I thought I was still in possession of the cards, but after the call, I realized it was stolen out of my car. I reported this to Chase and they investigated.

Chase eventually said " I benefited from this transaction '' even though I did not make these charges. I provided supporting documents ( paperwork showing I replaced my drivers license ) and Chase again concluded I'm responsible for the charges.

The card was a Visa which offers {$0.00} liability on unauthorized charges. Not to mention, federal law states that the maximum I can be liable for is {$50.00}. 

XXXX XXXX {$510.00} XXXX XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX {$29.00} XXXX  XXXX {$720.00} Total : {$1300.00} This exceeds the advertised {$0.00} liability on unauthorized charges. 
Chase refuses to accept my claim and has rebilled my account. I've been forced to pay for charges I did not male.
Product: Credit reporting or other personal consumer reports

Hello, I recognized an inquiry on my credit report. What was the reason for your company to pull my credit report? Please send me all info you have regarding to this pull
Product: Debt collection

To whom it may concern, I have had my account charged off about a couple of months ago due to the fact I was not able to make payments. I just recently found out that I was affected by the XXXX breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX breach and possibly Identity Theft.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error. XXXX XXXX XXXX, Opened XXXX XXXX, 2016
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Please find the attachment below proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Product: Debt collection

I have been XXXX for the past 3 years. I have only went to XXXX XXXX. This company is staying that I owe them However, I have never went there. It says that the account was open on 2015 well at that time I had medicaid and south this all of my doctors bill were covered. Plus I have insurance with my job. I have told them multiple times that this is not my account. However they keep reporting this to my credit report. When I know that this is against the law to do. With death validation and if they do n't have all of there legal bonding documents. Which I know that they do n't because this account is not mines. I have already reported to the credit bureaus about the faud activities.
Product: Money transfer, virtual currency, or money service

On or about, XXXX XX/XX/19, I received a letter with a cashier 's check in the amount of {$2900.00} made payable to myself from XXXX XXXX XXXX XXXX XXXX. I confirmed receipt of this check via text to number XXXX. Prior to receiving this cashier 's check, I received another text from someone named XXXX XXXX cell number XXXX. This 305 text indicated the following : " Hello, the envelope containing your first task will be delivered to your house today/tomorrow vis USPS regular mail. Please send a text message to XXXX when you receipt of the envelope. XXXX XXXX ''. 

I currently do work part time as a mystery personal shopper so I thought this was another XXXX that I applied to in the past. 

Upon receipt of the cashier 's check, I deposited it in my TD Bank in XXXX XXXX NJ on XX/XX/19. As per the bank, the cashier 's check cleared XX/XX/19. I informed contact XXXX via text that the check had cleared as per their instructions and I was assigned a task. I made sure with 100 % certainty that this cleared before proceeding further. I was assigned to buy 2 {$1300.00} XXXX gift cards. I did that on Friday XX/XX/19. I then was instructed to purchase a money order for {$20.00} and a cashier 's check for {$20.00}. The first made payable to XXXX XXXX and the latter XXXX XXXX XXXX Today XX/XX/19, TD Bank informed me that this cashier 's check bounced and that I am responsible for the funds of {$2900.00}. I relied upon TD Bank 's complete disclosure that this check cleared on XX/XX/19 ; otherwise, I would have never proceeded with these purchases. Today XX/XX/19, a TD representative told me that the routing number looked wrong but they deposited it anyway. TD Bank represents themselves as a leader in banking and me, I'm a consumer. I relied upon their experience and expertise in this industry to protect me the consumer from fraudulent activity. They did not. TD should have never cleared this check on XX/XX/19 without confirming the validity of the check. They do this every day and should be held accountable to a higher standard of care. They now are claiming that it is not their fault and that I have to take the hit on these funds. Yet, if my credit card was hit by fraud, TD would cover it. It's the same thing. We as consumers rely on banking to protect us. I want my money back in the amount of {$2900.00}.
Product: Debt collection

On XX/XX/XXXX Allied Collections falsly reported a debt to my credit from a company called XXXX XXXX. I have never taken out a loan with this company. I have never heard of this company, and this report on my credit is malicious and fraudulent. It is not a mistake because just last month they falsly reported an invalid debt by XXXX XXXX online to my credit. Now they have removed the XXXX XXXX  debt and posted this debt to my credit. They have reported the XXXX XXXX debt on my credit twice. The same debt has been reported two times which is illegal. This is fraudulent! Please help, this company is harassing me and intentionally ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.
Product: Money transfer, virtual currency, or money service

I purchased tickets from an independent seller on XXXX on XX/XX/2018. The seller provided me with his name, email address, and phone number as we discussed the transaction. In exchange for the tickets, I transferred {$430.00} to his XXXX XXXX XXXX checking account from my Chase checking account via Chase XXXX ( XXXX ). Shortly after, his phone was disconnected and I never received the tickets. 

I tried contacting XXXX no less than ten minutes after the transaction, and they told me that they were not liable and would not cancel the transaction. I was under the impression that my bank had fraud protection and that I would be able to cancel the transaction in the case of a scam. They were unwilling to assist me and would not even offer a 'courtesy ' refund. This seems unreasonable, especially because Chase advertises XXXX as their own money transfer system. XXXX and XXXX offer these services to users. Chase, a financial institution, should do the same for those banking with them. I have lost all trust in managing my money through Chase.
Product: Credit reporting

It has been 3 months since I accessed my credit at XXXX and discovered that Equifax has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SLS, a debt collector, has been violating the FDCPA repeatedly. 

XXXX instance is their continued correspondence to an attorney who no longer represents me. .Despite notice given to them on XXXX/XXXX/16, they ignored it and sent said attorney correspondence on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

This is XXXX XXXX of a myriad of violations.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, XXXX XXXX amount, and Close Date are inconsistent throughout credit bureaus XXXX, Experian, and XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the XXXX credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX is inaccurate because This item is not being reported on XXXX but only being reported by XXXX and Experian, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report XXXX showing the inconsistencies reported by Experian, XXXX, and XXXX showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and received medical attention and left a bill with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, The XXXX XXXX XXXXXXXX on XX/XX/XXXX and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I purchased a car in XXXX using Ally Financial as the lender. Due to this being a pandemic, the earliest appointment I could get to register my car with the Secretary of State was XX/XX/XXXX, which shouldn't have been a problem because my temporary tags didn't expire until XX/XX/XXXX. 

I went to the SOS and discovered that my title was invalid. Turns out Ally Financial voided my title and requested a new one, but they won't send it to me to register my car. I've talked to 4 " customer service '' agents and the best they've offered is to send me a letter letting stating that I did purchase the car and hoping that the Secretary of State will accept that in lieu of a title ( unlikely ). However, I haven't been able to test their ridiculous theory because, despite initially telling me I'd get this letter by XX/XX/XXXX, I have not received it. 

So after today, I will be driving around with expired tags due to their negligence.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning DISCOVER BANK and their continued reporting of inaccurate information on my credit report. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my credit score, and the incorrect information is misleading potential lenders. 

I have made numerous attempts to address this issue by reaching out to both DISCOVER BANK and the credit bureaus, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX the birthday is incorrect too
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX VIA XXXX XXXX REQUESTED XX/XX/2020 HXXXX XXXX XXXXL VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for several inaccuracies on my credit report. I recently reviewed my credit report and noticed several discrepancies related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX an accounts which has negatively impacted my credit history. The inaccuracies include late open, late close and charge off which needs to be corrected or removed : XXXX XXXX XXXXXXXX Balance : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX Balance : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

The accounts has been reported as a charge-off, which is not accurate. I have never allowed the account to reach a charge-off status, and there should be no such negative status associated with it. 

I kindly request that you investigate and rectify these inaccuracies promptly. To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Documentation supporting the correct opening and closure dates of the account. 
Evidence showing that the account has never reached a charge-off status. 
I understand that correcting these errors is essential for maintaining an accurate credit history, which directly affects my financial well-being. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are required to investigate the disputed information within 30 days and inform me of the results. If the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Navy Federal Credit union Installment loan I disputed the referenced accounts above on with XXXX  & it was deleted XX/XX/2019, I have proof. The credit report of XXXX  ( notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Credit card

I applied for a XXXX XXXX Credit card through Synchrony Bank at the XXXX XXXX store and was turned down due to " High Risk Source of Application ''. I really don't understand this as I have excellent credit, am never late on my payments, and have really high scores on all three credit bureaus. I never get turned down for credit! This is very frustrating and contacting Synchrony Bank is no help as they can't even explain to me what this means! They even pulled my credit and still turned me down. I am so frustrated by this company. I'm about ready to close three accounts with Synchrony that have XXXX XXXX worth of available credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three Credit Bureau that Small Business Loan that I have disputed and they know I did not apply for is on my credit report. I have never applied for a Small Business Loan and I do not have a business. On Experian it states this will not be removed until 2022. I sorry ; this is an inside job with these credit bureau, how would anyone know my pass addresses or that I am retired. I want this small business loan off my credit report. I can check my credit report everyday if I chose I have been back so many times. I just want it removed. I talk with the Small Business Administration now it needs to be removed from my credit report. Did someone there use my information to get a loan.