23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Last night I opened a account with Current Mobile banking and transfered almost XXXX dollars into the account. They said my card would be shipped but they had a virtual card that I could use till it come. I wake up today and I have zero access to my money the virtual card doesn't work at all I can't buy anything or get money out to survive. I made 10 phone calls today and everytime they told me they didn't have a supervisor I could speak with and they didn't have to let me talk to anyone that they would just sit there on the phone till I got bored and hung up. I asked for the number to someone above them and they told me they didn't have one I asked for there names they told me they didn't have to tell me there names.they didn't inform me that my entire account would be of no use till I get the plastic card in 2 weeks knowing I can't feed my kids or anything without it. They even have me suspended from sending my money online to other people to get it out.. they refuse to help me and told me that my money is gunna have to sit there till the card comes in and that can not be legal
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm deeply disappointed by the ongoing inaccuracies in my consumer file reported by ChexSystems. I want to make it clear that my legal name is XXXX XXXX XXXX XXXX, and any variations from this name need to be removed from my file. ChexSystems currently has my name listed as XXXX XXXX XXXX and, even worse, they had it as XXXX XXXX before which is completely wrong. 

Another concern is the incorrect address they have on file, specifically XXXX XXXX XXXX XXXX. This gives the false impression that I've lived at two different addresses. To set the record straight, my correct address is XXXX XXXX XXXX XXXX XXXX, FL. I've also noticed mentions of unfamiliar banks claiming I have accounts with them, and they're using addresses like " XXXX XXXX XXXX XXXXXXXX '' ChexSystems doesn't have any record of these addresses. 

I want to clarify that I'm only addressing bank-related matters separately. This letter is specifically for ChexSystems. Dealing with this situation has been really frustrating, and I'm tired of having to keep bringing it up. I expected these issues to be resolved a month ago when I sent in my driver 's license and fixed other mistakes. I did my part, but it seems like ChexSystems hasn't done theirs.

Instead of fixing things right away, they're waiting until someone complains to correct the information. This approach puts an unnecessary burden on consumers and raises concerns about our rights.

Reporting inaccurate information isn't just disappointing, it could be against the law. I'm insisting that they immediately remove any names or addresses that don't match my driver 's license. I can provide a photo of my license to prove my residency and full name.

I want to mention that I reported this issue to the Consumer Financial Protection Bureau ( CFPB ) a month ago. Despite their intervention that fixed a previous mistake, ChexSystems is still holding onto incorrect information about me. This shows a lack of commitment on their part.
Product: Credit reporting

Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
Product: Debt collection

I was interested in getting denture implants. I found a provider and applied for carecredit through synchrony bank. I decided to wait and did not get the XXXX XXXX XXXX But care credit is charging me as if I did. 
They are billing me nearly {$4000.00}. Many phone calls, emails later they will not correct this mistake. 
My credit has gone from excellent to poor. Credit card companies have cancelled my card and my own bank has decreased my available credit. 
I have been trying to correct this for over 8 months. Without acknowledging me I still recieve many phone calls emails and postage.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found inaccurate inquiries not authorized by my self. I have no knowledge of these inquiries. Inquiries are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The IRS provided Conserve a debt. The debt was paid directly to IRS. Conserve still requested the funds in which unknowingly paid to them. They were not willing to resolve this issue and proved a refund of amount paid.
Product: Debt collection

Penn Credit Corporation account # XXXX, XXXX I am unaware of this debt. I didnt have an opportunity to dispute this debt. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name and signature validating that I received proper notification from you.
Product: Prepaid card

I was given an American Express gift card as a payment for a job and have been unable to use it almost everywhere I have tried. it will not work on XXXX. I tried to make a large purchase of a refrigerator from XXXX XXXX and the card was declined as well. I have XXXX sitting on this card and have not found a place that it is accepted. I have reached out to the company to solve and have not received a response. I have a case number but its been a year and this is as far as I have made it. 

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

I received an email from XXXX XXXX  notifying me that a hard inquiry was made on my credit reporting agency named trans union.My account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if XXXX XXXX is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up
Product: Credit reporting or other personal consumer reports

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 has violated my rights.
Product: Credit card or prepaid card

I opened a credit card account with discount tire and they were supposed to debit my account each month but did not debit the account one month after my payment was increased only by {$15.00} and reported the account past due tarnishing my credit score.

I need for discount tire to report the account accurately due to no fault of my own ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/. '' Please delete this disputed account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX has violated my rights reporting on Collection XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This is a fraud! 
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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus because only was reported in Transunion while XXXX and XXXX did not. Also I did not know about this account, this is a fraud!
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

Since XX/XX/year>, I have been receiving electronic communications from a company called XXXX XXXX, claiming a debt owed to Klarna, a buy-now-pay-later loan service. These communications come through text and email. Due to phishing concerns, I avoid opening any suspicious links sent via email or text. I am wary of the communication because I have not received any validation information via the United States Postal Service. I believe XXXX XXXX 's actions violate the Fair Debt Collection Practices Act as their electronic messages have turned harassing, oppressive, and abusive.
Product: Credit reporting or other personal consumer reports

Upon receiving my consumer report I noticed a bankruptcy that was not filled by me nor did I authorize anyone else to fill on my behalf.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 or other personal consumer reports

EXPERIAN claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED and I have documentary proof. XXXX XXXXXXXX XXXX is closed ( via my screen shot ) so how could EXPERIAN verify that I was never late in this acccount? If EXPERIAN claims they received a copy of the notice that was sent to me by XXXX XXXXXXXX XXXX via green certified mail return receipt with my signature on it proving they notified me in writing prior to furnishing negative accounts to my consumer report please provide it or update this account to PAANL ( Paid As Agreed Never Late )
Product: Debt collection

I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly divulged my information without my consent. I 'm shocked that their security systems were so inadequate, and that considering how highly valuable this information is, they do not employ standard techniques such as two-factor authentication. In my opinion this breach shows how little they value the security and privacy of US citizens, and they should be reprimanded appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a completed Identity Theft Report # XXXX. In regards to fraudulent accounts on my credit file. They were not deleted or blocked to show my true complete and accurate information. My Identity was stolen.
Product: Debt collection

CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit reporting or other personal consumer reports

I do not have a secured loan with XXXX I have XXXX dues, my dues are paid yearly not monthly. 
and in a different amount recorded.Therefore, your listing my dues as a secured loan makes it inaccurate and must be corrected or removed.
Product: Debt collection

XXXX collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.
Product: Debt collection

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This account was opened without my approval and authorization. I contacted XXXX XXXX/XXXX about this account being opened without my approval and authorization by XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX/XXXX is a scam and needs to be investigated because of their unfair business practices and all the dental offices that work with this company. I filed a complaint against them last year that this account didnt belong to me and I am not responsible for it. However, they are still reporting it to credit bureaus. 
I spoke with case XXXX- XXXX at the corporate office who handled my complaint to dispute services provided who advised that that I would be issued a credit in that amount and would no remove the account from my name. Last week, they reported the account as late to credit agencies. This account does not belong to me and should be removed from my credit file completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take.

All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the XXXX form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off XXXX balance update is XX/XX/XXXX Transunion is reporting a balance update of XX/XX/XXXX and XXXX is reporting a update balance on XXXX.Transunion is also reporting a high balance of {$430.00} and XXXX and XXXX doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXX XXXX XXXX is being reported as charged off XXXX balance update is XX/XX/XXXX Transunion is reporting balance update XX/XX/XXXX and XXXX is reporting balance update XX/XX/XXXX tyransunion is reporting a high balance of {$1000.00} and XXXX and XXXX is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting balance update XX/XX/XXXX Transunion is reporting balance update XX/XX/XXXX XXXX is reporting balance update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors XXXX. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on XXXX XX/XX/XXXX transunion is reporting a balance update XX/XX/XXXX and XXXX is reporting a balance updateXXXX XX/XX/XXXX Transunion and XXXX are reporting a past due balance of {$2900.00} XXXX is not reporting this XXXX. XXXXXXXX XXXX XXXX XXXX is chharged off and XXXX reporting a balance update on XX/XX/XXXX Transunion reporting balance update on XX/XX/XXXX and XXXX is reporting balance update on XX/XX/XXXX XXXX and XXXX is also reorting a past due balance of {$520.00} transunion is not reporting this information XXXXXXXX XXXX XXXX XXXXXXXX is reporting as charged off XXXX is repporting balance update on XX/XX/XXXX Transunion reporting balance update XX/XX/XXXX XXXX  is reporting balance update on XX/XX/XXXX XXXX  and XXXX is also reporting a past due balance of {$1000.00}
Product: Mortgage

I am in the process to obtain a loan modification and also I applied for assistance with " Keep Your Home California '' and my lender ( bank of america XXXX gave a wrong information to Keep Your Home California and now keep this institution cancel my file. I am really disappointed that bank of america gave the wrong information when I am still in the process to get approve for my loan modification. I might qualify for " keep your home California ''
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXXXXXX XXXX I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX with the domain XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recived verification that's show 's balance incorrect original and current balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to TransUnion, XXXX, & XXXX about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 USC 6802 ( b ) ( 1 ).
Product: Credit reporting or other personal consumer reports

There are XXXX different accounts showing on my report. This company uses varying degrees of scare tactics. I am unable to rent, on the brink of homelessness and it is all due to these accounts that have been sold and written off.
Product: Debt collection

I have mailed and sent Experian copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Product: Checking or savings account

i was a victimm of fraud. someone used my debit card to obtains items. i called bank of america to close my card and report it lost. they opened a claim and later denied my claim. i called them to reopen my claim because this was fraud and they had me wait 6 months to later denied my claim again with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

never i got possesion on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my file and I noticed that there are still several errors and inaccuracies on my file. 1. my name is XXXX XXXX XXXX XXXX please remove any other names or spellings. 2. My addresses is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a unverified account that I have requested several time to be removed due to no response of 90 days FRCA violation and FDCPA violation as well 609, 805, 611.

Please delete the follwing account the are not correct : OHIO DEPT OF HUMAN SERVICES CREDIT COLLECTION SERVIC # XXXX