23daVinci/CFPB_Complaints huggingface dataset:
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ 20000 Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF ED/XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$46000.00} XXXX/XXXX XXXX {$1900.00}
Product: Credit card

On XX/XX/year>, my Proper Credit card, which has was declined for a charge of {$60.00} even though I had available credit of over $ XXXX. What was surprising and also embarrassing, I had, on XX/XX/year>, made a payment of {$510.00} to my Prosper credit card, which when issued to me, had a {$1700.00} credit limit. Prosper never explained to me why the declination, and indeed, after I asked, I found out that after that attempted charge of {$60.00}, my card was placed on the restricted list, which has since been removed. Shortly after my discussions with Prosper, I received a letter from Prosper credit card that my credit limit was being reduced from {$1700.00} to {$1400.00}. The reasons given were Delinquencies and High Lines of Credit. What is puzzling is that I have no delinquencies and no credit lines.

What is noteworthy is that by reducing my credit limit from {$1700.00}. XXXX to {$1400.00}, Prosper CC has surreptitiously stolen {$300.00}. XXXX from me. My available credit is almost similar in amount to what I had before my payment in XXXX, and that needs explanation.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies in my credit file. However, I am concerned that the examination may not have fully complied with the Fair Credit Reporting Act guidelines. I believe further action is needed to ensure the remaining accounts are accurate. I request another investigation and correction of the following accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX : {$54.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$760.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}. If your investigation can not verify the accuracy of the disputed information, please correct it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address provided.
Product: Checking or savings account

On Saturday, XX/XX/2021, I'd found out that {$1000.00} was gone from my USAA bank account. I saw that money had been transferred through XXXX to an unauthorized number. I immediately called USAA to film a bank fraudulent claim. When I was on the phone, I was told that an unusual phone number was identified having access to my account. So i also went through the lengthily process of reporting my debit card stolen, had my email changed, username changed, password changed, pin number changed, and turned off the quick login feature to avoid any more break-ins. 

On Thursday, XX/XX/2021, I was emailed a response from USAA that my fraud claim had been denied. The next day, XX/XX/2021, I called back and spoke to a USAA representative and asked for an explanation to why my claim was denied. The guy on the phone was perplexed and sent me to the ER department of USAA, which apparently handles securities and claims investigations. I was told by the woman on the phone that I was denied because it was my responsibility through a scam. I kept trying to explain that no information had been given out to anyone, but they still said there was nothing they could do. That a man somehow got my information from somewhere, used it to get into my account, and made a transfer without my authorization and I was told that it's still somehow my fault. I warned that I would just keep calling back until I see my missing money reimbursed. Still, they said that the decision was made and that they hoped I'd have a nice day. 

This seems like a securities issue on their end as my phone and email were the only numbers or addresses that were authorized to get into my account, and yet despite an unknown phone number getting into my account, they still call it " my fault ''
Product: Debt collection

After defaulting on a home improvement loan from WellsFargo ( WF ), I entered into debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was arranged to deduct $ XXXX/month from my checking to pay the XXXX {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, XXXX, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called XXXX in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with WF and would resolve the issue. At this time, I was still getting " bills '' from WF, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to WF. 
Come XX/XX/XXXX I still had not had the issue resolved XXXX. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XX/XX/XXXX. 
Come XXXX XXXX, no resolution. At this point, WF sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted WF directly to ask what was happening. WF claimed they were in contact XXXX, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. WF also claimed they sent the money back XXXX. I emailed and called XXXX with this information and got this in return from XXXX XXXX - " I was able to talk to Wells Fargo Bank this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at Wells Fargo Bank that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with WF, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.
Product: Vehicle loan or lease

Hello, i'm currently in the market for an apartment. My applications were all denied due to my credit status. 4 of them. 

The latest XXXX from XXXX XXXX ( XXXX XXXX ) was denied even having a section XXXX voucher as insurance. Talk about fair housing. It's not fair at all. I deserve to live in nice residences too instead of being penalized for something out of my control. 

During the pandemic i was laid off. I begged CarMax for pandemic assistance. They claimed they couldn't offer much because i didn't have my vehicle for 10 months. I purchased the vehicle XX/XX/2019, mind you the pandemic hit a couple months after. 

They threatened me, repossessed my vehicle twice and racked up my credit report with negative and adverse info. 

They didn't care anything about their customers, only money. Because of this now my credit is shot. 

I'm also a fraud victim. I repaired as much as i could already. I filed a complaint with the XXXX XXXX Carmax lied to them.
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

XX/XX/XXXX
Product: Credit card or prepaid card

on  XXXX  Chase Bank reversed a temp credit to my acct processed on  XXXX  due to a dispute with  XXXX .  Chase sent  a letter dated  XXXX  advising of reversal but gave no explanation as to why nor did they allow me to provide to them any documentation prior to reversal taking place - to prove I have tried numerous times via email and telephone to resolve issue. Seller promised twice to have a local gene ral manager c ontact me to resolve issues however no contact as of today since  XXXX   XXXX   Seller stop ped responding to email contacts on  XXXX    XXXX  .  Chase m akes it very difficult to speak to a supervisor, and equally to spe ak to a manager. Manager refu sed to escalate this matter as he stated firmly that anyone above him would only repeat to me the same. Chase bank states they do not resolve or get involved with disputes regarding " wear and tear '' although I explained repeatedly problems are due to defective parts. Which is an entirely different situation. Bu t Chase reps ref use to get past the term " wear and tear :  XXXX  dictionary states " Wear and tear is the damage or change that is caused to something when it is being used '' however, I state the part is defective as I only was able to use a couple of weeks when it built up a very unusual rust buildup . Defective | Definition by      XXXX  is " imperfect in form or function '' I assume mnft did not apply a protective overcoat to the part - which has now caused damage to a underlying part due to the rust. After I rec.t he Chase r eversal letter I faxed to them on  XXXX   XXXX  all of my email communications with  XXXX .  Chase n ever responded. I refaxed again on  XXXX   XXXX    XXXX   - still no responce. After calling & much arguing to escalate my call I spoke with a  XXXX  based in Ohio and later with a supposed manager named  XXXX  approx on  XXXX  Neither would accept my refaxing my documentation nor would they provide to me a hard copy reflecting Chase policy in regards to their so called " wear and tear '' policy. Whe n Chase manager   XXXX  was finally worn down he was attempting to imply my complaints to them were not received in time however I reminded him I had fax transmit reports proving dates and times my emails were sent to  XXXX .
Product: Checking or savings account

On XXXX XXXX 2023 i logged into my online banking and saw many fraudulent charges on my account, so I proceed to close the card trought the online banking and then I proceed to dispute the charges CASE XXXXThe system didnt allow to include all the transactions on the claim, so after the claim was submited I sent an email with a letter with all fraudulent charges, until now I dont see all the provitional credit for all the transactions listed on the email. 
The transfer act, regulation E and Z allows customer to report fraudulent charges by phone, in person or by letter. 
I tried to call the bank several times and nobody answer, I cant wait more than 30-45 minutes. 
Please proceed how was instructed, atached goes the letter sent
Product: Debt collection

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days.
Product: Debt collection

I was contacted by Medical Revenue Service  at XXXX who left a voice mail on my work phone. I ask this company to not contact me at work. I also informed the company that I never received the bill and the person on the other line was rude and nasty. I continue to ask them not to contact me at my job. I ask them since I did not receive the bill could I have please have a hard copy of the bill and the person on the other line was nasty and rude and said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit status due to an attempt to achieve contracts for small business opportunity and I discovered someone has accessed and used my credit without my authorization. Accounts as well as inquiries now appear on my credit as a result, I learned I was impacted by the credit breach within the bureaus and I have filed an identity theft police report under legal advisory of my attorney. Please remove and/or update the following inaccurate information from my report as provided : My current address is XXXX XXXX XXXX . XXXX . XXXX XXXX, WA XXXX. My current employer is XXXX XXXX XXXX, not XXXX ( as it appears currently ). The following accounts are NOT mine, delete- XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. I have disputed these accounts in the past, even paid them with the intent to get off my report due to hindering business opportunities against advice of my legal team. I did not authorize listed inquiries, please remove from my credit report or be prepared to prove that I did authorize/request them. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a BinanceXXXX account. I sold my crypto and deposited it into my bank account. I need a statement to provide to my mortgage provider in order to purchase a home. I can not print one. Their system will not let me. I have never printed one prior. I contacted customer service ( ticket XXXX ). It was very difficult to get response and it was taking extended time so I had to go on to XXXX and leave comments on their site to get response. I clearly explained the issue : I need a statement but your system wont allow me to print. It says I printed over 10 times when I have never printed any. They first responded with instructions on how to print. That was not the issue. Then they replied with you printed too many times. Again, not the issue ... as I never printed before. Then they offered to send a printed copy to my email ... for {$55.00}!!!!! This is supposed to be free for customers. I should not have to pay them for a problem on their end. Then when I went back to XXXX and posted what they did they blocked me and closed my case. 
Let me add, this statement is so important because it is the last document needed to obtain my home loan. I need to provide statement to show where my large deposit came from. Without this, I am at risk of denial for the mortgage. I have two weeks to be out of my rental due to it being sold. Denial will leave me homeless. Also, the people I am buying the home from will also be in trouble because they have quit their jobs and are waiting to move. So BinanceXXXX needs to realize a simple statement can mean more than they realize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my mortgage by phone. For the month of XXXX my phone payment did not go threw. As soon as I realized I payed it right away. It was less than a month passed due. Mine and my husband credit score went down XXXX points because of it. They did not and worn us. Please help up get the points back. 

Thank you XXXX XXXX
Product: Credit card

Received a CASH APP credit card in my previous name - ( married - name change ) that I never signed up for
Product: Credit reporting or other personal consumer reports

Hard inquires i did not approve for that occur on the date : XX/XX/year> for the following Santander Consumer USA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX santander consumer usa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer contacted Transunion to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX XXXX name given XXXX that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with transunion on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.
Product: Credit reporting or other personal consumer reports

Please lock my file! I have consumer rights and they are being violated.
Product: Consumer Loan

XX/XX/2014 I received a letter from the IRS stating that I owe the agency over {$6000.00}, I ask how, and the representative told my that I have not file my taxes with XXXX company I was working for since XX/XX/XXXX and I ask which company because I know I had never miss filling my taxes. The rep told me that I have been working with a company in XXXX, CT since XXXX. Folks, I have never heard of a City called XXXX and never been there, to cut story short, the representative I was taking with gave me the company name XXXX XXXX XXXX and ask me to XXXX their phone number and I did. 
I called the company and ask that I speak to the HR and told them what was going on, the HR person told me that am crazy and said that am in the garage as we speak working. I demand that she call police immediately and have him arrested she ask me to hold on moments latter a man 's voice on the line whom introduce himself as the manager, I ex [ lain every thing to him and he ask that I fax my government issued I.D to him to prove that I am who I said I am, i drove to the closest library and faxed more than he asked for and he called me XXXX min latter telling me THAT THE INDIVIDUAL WAS PRESENT WORKING AS WE SPEAK, I demand that he call the police and arrest him and he said that he could not do that, that all he could do is to ask him to leave the premises immediately. 
One week latter, I pulled my credit report and found out i WAS IN A MUCH DEEPER HOLE THAN THE IRS $ XXXX 
its been two years since this incident and am still fighting to clear my name. Upon investigation IRS CLEARED ME OF ALL CHARGES though am still owing tow states local TAXAS. Other companies has also deleted all charges including XXXX XXXX AND XXXX. 
*BUT XXXX CREDITOR AND XXXX CREDIT AGENCY REFUSED WHICH BROUGHT ME HERE TODAY. XXXX have refused to delete saying that only the original debt furnisher can ask them to delete. 
* The original debt Furnisher is CONN CREDIT CORP. I have called this company more than 30 times left messages send letters and have not received one response from them. PLEASE HELP ME.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a 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. 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.