23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a call from Chase Bank on XX/XX/18 about suspicious activity on my debit card. They recommended that I cancel my card and let them send me a new one - which I did. The debit card was used in XXXX XXXX, TX ( XXXX area ) to get cash at a XXXX store and I live in XXXX, west side of XXXX. There were two back to back purchases/withdrawals as shown on my bank statement and I will attach that to this complaint. I was in possession of my debit card and used it at a XXXX in XXXX on the same day - also shown on my bank statement. Initialty Chase Bank refunded my money but then reversed the credit to my account 5 days later. I called and spoke with the Chase fraud department a couple of times but they felt like the cash withdrawal was somehow authorized - even though they initially flagged it as fraud. I told them I was at home that day - not in the XXXX area, no one had my authorization to use my card number, I'd never been to XXXX XXXX or taken cash out at XXXX anywhere. I told them it was fraud and I would submit a sworn statement or take a lie detector test - they were not interested. I'm also including a copy of a letter I mailed to Chase ( a XXXX XXXX address provided by the Chase Fraud department ) over two months ago. They never responded to the letter and it was not returned as undeliverable.
Product: Vehicle loan or lease

I have reached out to XXXX XXXX. And the XXXX XXXX stated that they have made a mistake regarding credit reporting and the an accuracy of payments that they received. I have not yet see that this was removed from my credit report with XXXX late payments.
Product: Vehicle loan or lease

I had this set up for auto pay. Every month I had to sit on phone for an hr to get it fixed or payed. It Was just for the fee they charge. I have called and had investigations done. All XXXX  does is move the lates around from one month to the next. All my credit is 100 % pay on time for 20 year and more then 28 accounts. Funny I only have a problem with chase bank for two years. What was funny at the time I did the loan this bank said I was a XXXX credit!! Ok well 1 week later I thought I would refinance it and I had XXXX come back with a score of XXXX. Yes I know of the difference models but 120 points. This should be illegal! I took the truck and traded it off to get rid of XXXX. XXXX needs To be investigated for illegal charges and plus I never talked to a US person once to try and fix the problem. Not a good bank with all the complaints
Product: Credit reporting or other personal consumer reports

They have an inquiry from XXXX  from XXXX and I dont owe a XXXX at all. Never have. They have it confused with my older brother since our social security numbers are close together and only different my the last number.
Product: Debt collection

Here is a transcript of the call. I have not received documents they are referring to. 

XXXX Deposited a new message : " Hello. Unfortunately, our office has been retained at this time to file for a levy and a garnishment in regards to the individual by the name of XXXX XXXX. M O N E Y K E Y, our client has sent several pieces of documentation in the mail offered several ways to handle the matter, amicably. They've also sent several offers via email to the email address that's listed on the contract with them at this point in time. Nothing 's been done and our client is asked. So we contact the employer right away. Our office line here directly is XXXX. We need a return call right away. Thank you for your time. Have a good day. M O N E Y K E Y XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to the XXXX XXXX XXXX to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX  XXXX XXXXXXXX Unpaid Balance {$270.00} XXXX XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$200.00} XXXX XXXXXXXX XXXX XXXX Unpaid Balance {$130.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center po box XXXX XXXX, Texas XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account XXXX XXXX XXXX XXXX  # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information.

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX 1-308 ALL RIGHTS RESERVED
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 trafficking. 

Account Name : XXXX # XXXX -Balance XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX -Balance {$380.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$910.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$2400.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance $ XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Balance XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1700.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$870.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$4200.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$360.00} XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$350.00} -Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$140.00} XXXX XXXX Account Name : XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$1400.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I met a girl online and we started chatting using XXXX. During conversation the topic of investment had come up. Since I have been interested in investments for some time I told her I was interested. She had me download the Coinbase and Coinbase Wallet apps. I directly wired the following amounts to Coinbase on the following dates from my bank account at XXXX XXXX XXXX : XXXX  - {$500.00}, XXXX  - {$2000.00}, XX/XX/ - {$2500.00}, XXXX - {$75000.00}, XX/XX/ - {$15000.00}. I also had a little bit of money on my XXXX app that I transferred over to Coinbase on the following date for this amount : XXXX XXXX {$490.00}. At the beginning on XX/XX/ when I had little money to invest, XXXX helped show me how and I made a little money. I insisted to make a withdraw of funds to prove it was legit and I transferred {$8.00} from Coinbase to XXXX after moving the money from the XXXX XXXX back to the Coinbase app. XXXX helped with all of this. Once all the other money was in there, I made a little more money, but according to XXXX, I was out of time unless I got to {$150000.00} in capital. She took it upon herself to lend me the funds to get to the {$150000.00}. She transferred straight to the XXXX XXXX account the amount of {$44000.00}. After this, I made transactions on the following dates : XXXX XXXX XXXX XXXX XXXX. My account balance on XXXX XXXX now stands at {$380000.00}. It shows that I have profited {$240000.00} in total revenue. On Wednesday, XX/XX/, I was instructed by XXXX to ask Customer Service on website what I would owe in taxes. Customer Service gave me the amount of {$49000.00} that I would need to deposit to the Coinbase XXXX as a Pre-tax payment in order to withdraw my money and that I only have 7 business to do so, now that I have asked for my fund, even though I really didnt. Customer Service has insisted that this process can not be reversed. I have talked with a contact at XXXXXXXX XXXX  here in XXXX, KS and he used his resources to do some fact checking and it is definitely a scam. Would love to hear from someone soon. Thanks. I also have the entire conversation dialogue with XXXX XXXX on XXXX she used snapshots when teaching me how to do all these transactions between Coinbase and Coinbase Wallet apps.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

Hello, me and my brother have been jumping through hoops to close on a new house from DR HORTON. We both have salaries to support the mortgage and my brother additionally is XXXX XXXX XXXX XXXX XXXX  XXXX. He was in the XXXX XXXX from XXXX to XXXX, and went XXXX XXXX in XXXX. We are at the end of the process after giving our deposit and having the closing moved multiple times. Thenlender is now saying that they wont consider his civilian income because " they '' don't believe he can still be getting paid, despite showing the last 4 months worth of pay stubs since hes been on active, and mulitple years tax returns. Furthermore, they have chosen to only consider using his XXXX XXXX, and not civilian income, which conveniently puts us just over the allowed debt to income threshold. When asked why they wont count it, they have no reason other than their own disbelief. His manager has also written a letter stating that his pay has not and will not be affected by his transition to XXXX XXXX military, as he has always worked in his current capacity. We believe that this is XXXX and military discrimination as my brothers feels as though he is being punished for deciding to serve on XXXX XXXX. They have claimed that they need to see two years of income at the same time, but fail to take into account that he has been in the XXXX XXXX and same civilian job for 7 years now, with the only difference being now he is XXXX XXXX, and performing the same role.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX  many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.
Product: Debt collection

I had payment arrangements set up. I didn't have the account anymore and I was also in the process of moving
Product: Payday loan, title loan, or personal loan

I used a third party payment provider for a purchase I made back in XXXX oXXXX XXXX I had a issue in regards to someone stealing my information and them using what I paid for. I contacted affirm in regards to that incident and asking them to open a dispute so I wouldn't have to be responsible for what I paid for and they haven't been able to help me with anything in this regards. I have still been paying monthly since I wouldn't want it to affect my credit and I want some sort of resolution for this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Student loan

I have been asking FedLoan Servicing for a recount of my number of qualifying payments for the XXXX XXXX XXXX XXXX XXXX program since XXXX. I call or email about once every other month requesting the recount. I've kept a record of all of these phone calls for the last year. And, I've also kept sent receipts for all of the email I've sent on the subject. Every time I call or email, XXXX responds that they will do a recount. But it's been over two years now, and I'm concerned the information will become more difficult to track as time goes on. 

When I have talked with a manager at XXXX XXXX in XXXX of XXXX, he did agree that the number was definitely wrong, and we agreed on the correct number. But the change was never made to my account.
Product: Checking or savings account

I am writing to formally dispute the transactions associated with my account ending in XXXX. On XX/XX/year>, I submitted my dispute regarding an amount of {$1400.00}. In support of my claim, I provided a police report as well as documentation evidencing my whereabouts at the relevant time ; however, my claim has been denied. 

According to your website ( XXXXXXXX ), transactions are subject to a zero liability policy enforced by XXXX. Moreover, the consumer user agreement stipulates that American Express fraud protection also applies to these transactions. 

Additionally, I possess a video obtained from law enforcement that clearly depicts an individual unlawfully accessing my account. It is noteworthy that there has been a class action lawsuit regarding this specific issue for which I am seeking redress.
Product: Debt collection

XXXX account closed in XX/XX/XXXX due to receiving military XXXX, and equipment was returned in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX {$150.00} was paid to cover final bill. Around XX/XX/XXXX SW CREDIT SYSTEMS placed a collections on my credit report for {$140.00}. Phone call was made to XXXX about the collections on the credit report, and they were unable to find a final bill or provide me with details regarding the {$140.00}. The SW Credit Systems were also unable to help and/or find out where this charge came from. The only explanation that the XXXX representative could give me was it could potentially be for an early termination fee, which again she could not prove. Since I am XXXX XXXX military and was on orders to move at that time, I would not be responsible for any early termination fees under the SCRA. I filed a dispute with XXXX  multiple times, however, it was unsuccessful, and I still have not been able to receive proof of the charge. It is also not right that I received a collection notice two years after the account closed, and was not given any correspondence previous to XX/XX/XXXX. Had it not been on my credit report, I would have never known about the unknown debt in collections.
Product: Mortgage

the problem, loan depot authorized the power of attorney for my spouse. to sign for him., I was told, since they approved the POA XXXX HAD TO APPROVE ALSO. IF XXXX REFUSED THEY WOULD TAKE IT TO AN ATTORNEY.. I sent a signed XXXX loan approval 2 weeks ago,, since then I called two times to see what was going on, XXXX times, I was told, IT WAS IN PROCESS OF BEING SENT. I called yesterday to find out what was going on I called XXXX and XXXX, neither one called me back. they had my account for almost 4 months. today I receive a call, that they could not process my refinance, because, they did not approve my POWER of attorney.. my XXXX app never went to XXXX ONE MINUTE THEY APPROVE MY POA, NEXT TIME THEY SAY THEY DID NOT APPROVE IT. THAT is a violation of his rights. also taking al most 4 months to process, which they did n't. that is my complaint
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX, OH XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In recent years I have attempted to dispute incorrect information listed on my credit report by Equifax. I have sent NUMEROUS letters asking them to place the name of 3 XXXX collections that are reported in my credit file with a name of the company that claims I owe them money. Instead they have only listed accounts # 's. I believe I may have been a victim of medical fraud but can not file a report because they won't even give me the name of the company 's. 

Currently the accounts are listed as " Original Creditor : ... ... ... ... ''! This does not give me the ability to use consumer laws to my advantage and even verify if this debt is correct OR even pay it if I truly do owe it. Equifax has ignored my MANY letters of providing proof on how this debt was verified as mine and they continue to report it which in turn in lowering my credit score and damaging my credit profile. I have nothing negative on my reports except for these 3 erroneous accounts that Equifax is reporting. They are not listed on any of my other credit reports. This leads me to believe that Equifax may be participating in illegal practices with false reporting. If this isn't solved ASAP I will be forced to take legal action against one of the largest credit reporting agencies but I can't allow this deformation to occur an longer.
Product: Debt collection

The company : DEBT RECOVERY SOLUTIONS, is reporting to Consumer Credit Agencies a debt of {$780.00}. 
The only information provided is " Original Lender : XXXX XXXX XXXX XXXX ''. 
There is no information to prove that this debt is valid, or if it can be reported, and I have no information regarding this debt. 
There is no information about when this debt was originally owed, or placed for collection, and they have provided no information to support it. 
The information of the company is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX