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

Had checking account number used to order checks on Suntrust account. Official Suntrust check company is authorized to send checks to any address without any attempt to verify change of address. Two checks cashed with fraudulent signatures at 2 different Suntrust branches on SatXX/XX/19. Fraud department notified within hours by phone. Went in person to branch and fraud was reported to fraud dept again by bank representative. Told to come back XX/XX/19 because payments were still pending and they couldnt do anything even though bank representative was able to obtains photos of the fraudulent checks from the branches. On XX/XX/19 I returned to branch and official fraud case was finally opened. Told 15 calendar days to investigate. Have called several times to get updates, once told case was closed, then it was still open, then we needed to fill out affidavits 4 weeks after case supposedly being investigated ( they were specifically asked if we needed to do that on day one and they said no ). We have filed a police report, filled out affidavits and can get no information on status of case. Bank representative is trying hard to get info but is no more successful than us. This is a substantial amount of money we have been without for almost 6 weeks.
Product: Debt collection

Sent to a mediator or collector of some sort refused to give any information other than what was owed no apparent knowledge of date or year of loan. Yelled over me on the phone claiming I needed to pay {$1200.00} now or Id be sued for {$4000.00}. No notices ever sent in the mail claimed I took out the loan using an employer that I havent had in 6 years and accused me of writing fraudulent checks.
Product: Debt collection

On   XX/XX/XXXX   I called the  company   XXXX   XXXX   to cancel my account becouse I was moving out of   that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on  XX/XX/XXXX  a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency  ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad   XXXX   XXXX   did  not informe tham my phone number. Payed the collection agent in full on   XXXX   the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my  credit enven knowing that was n't my fault. I felt wronged for   XXXX   XXXX   because all of this situation was n't my fault.  Thank you Sent from my  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.
Product: Debt collection

I was garnished for acct XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX in XX/XX/year>. I finished the garnishment So now Im being garnished for the same XXXX by XXXX XXXX XXXX XXXX XXXX amount of XXXX plus XXXX dollar court cost. It is hard to get in touch with a human voice when you call and all you can do is leave a message and hope they will return your call I have no one to help me in my current situation I just need to get this resolved fast its about to be 3 paychecks they have gotten their 25 % its really taking a toll on me and my family being Im the only source of income. This has got to stop
Product: Credit card

I had around {$300.00} as a total balance on my account, the monthly payment was about $ XXXX if I remember correctly, I had absolutely no trouble paying this monthly. However, I believe it was around XXXX of 2022, I was suddenly unable to access my account. I entered my login information ( email and password ) as usual and I would get an error back saying that my information was not found in the system. 

At first, I assumed there must be an error with my password or email or etc. so I attempted to retrieve my login credentials through the " forgot username/forgot password '' prompts. However, after providing my name that's on the card, my XXXX, and the last 4 of my social, I got the same error. At this point I have officially no idea what is going on, and decide I will call customer service. They refused to speak to me without being able to pull up my account, which apparently didn't come up in their system when I provided the necessary info. 

Unfortunately this matter slipped from my attention as I have a life and did not hear back about the account for months. It was only about 6 months later that I see on my credit report that the account has been reported as charged off on top off having late payments. My credit score tanked. I immediately called customer service again and demanded that someone explain to me what is going on. Finally, someone explained to me that there was fraudulent activity on my account that had been detected, and they locked my account out of precaution. This would have been great if only they had INFORMED ME OF SUCH ACTION. Instead I was unable to access my account or pay the due balance. 

About a month and a half ago, I once again contacted customer service to see what could be accomplished. The first service rep, when asked about the status of the account, informed me that there has been " a confirmed fraud on the account, and you are no longer responsible for the account. '' I was quite relived to hear that, and asked to be transferred to someone who could then work with me to get the inaccurate information deleted from my credit report. I was transferred to whomever would be able to help with such however, they immediately went back on what the previous service rep told me ( not to mention the others before her months ago ) and that there was no fraud after all. After much back and forth, they agreed to open a dispute in my credit report, but this ended up accomplishing nothing.
Product: Money transfer, virtual currency, or money service

Earlier this year XXXX fraudulent accounts were opened in my name under XXXX and it's happening again. I have AGAIN received email about changes to my Paypal account but I DO NOT HAVE A PAYPAL ACCOUNT. I have sent several emails to find out why they keep sending me these emails on " changes to my paypal account '' that I do not have but I get no response. How many MORE fake accounts have been opened and how do I stop them from opening fake accounts in my name??? 

I have also entered complaints with the FTC and have obtained my credit reports and entered holds on each.
Product: Credit reporting or other personal consumer reports

AFFIRM ACCOUNT WAS UPDATED ON MY EXPERIAN CREDIT REPORT ON XX/XX/year> AS ACCOUNT 30DAYS PAST DUE AND ALSO AGAIN 60 DAYS PAST DUE WHICH THIS ACCOUNT WAS PAID OUT IN FULL.THIS ACCOUNT HAS DROPPED MY SCORE XXXX POINTS ON MY EXPERIAN ACCOUNT. EXPERIAN IS CURRENTLY FACING A LAWSUIT FOR CREDIT REPORT ERRORS, EXPERIAN DOES NOT PROPERLY INVESTIGATE A CONSUMER DISPUTES AND FAILS TO REMOVE ERRORS OFF REPORTS. RESULTING IN THE INCLUSION OF INCORRECT INFORMATION ON CREDIT REPORTS, INACCURATE OR FALSE INFORMATION ON MY REPORT. I HAVE REACHED OUT TRYING TO GET THIS MATTER OFF MY REPORT AND THEY REFUSE TO DELETE AND REMOVE IT OFF OF MY REPORT, I AM IN THE PROCESS OF BUYING ME A HOUSE AND THIS HAS CAUSE ME ALOT OF TRAUMA AND AFFECTING MY MENTAL HEALTH.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information listed on my Experian credit report. Upon reviewing my credit file, I have identified a derogatory item that I believe may be inaccurate or incomplete. Please find the details of the account in question below : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Ive been a victim of an identified thief for over one year and I see some information or inquiries I dont make. I need these hard inquiries removed as were not authorized by me Name Requested On 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: Vehicle loan or lease

We pay on time, but tell me how a 67 month loan turned into a 80 month loan. Car was XXXX, yet, for principal alone, we paid XXXX into the car and interest we paid XXXX. Our loan is ending next month, but we owe XXXX still? We haven't missed any payment.
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 corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/2012 my Ex-Husband purchased a vacuum cleaner in my name. The approximate price was about {$1500.00}. When he stopped paying on the vacuum cleaner my name was sent to the collection agency. Every year since then they have been adding more interest to the original {$1500.00} debt and changing the report date each time to reflect a earlier than later date of collection. I tried calling to dispute it but was told I needed to pay the entire amount or I would be brought to court. Soon after I would receive phone calls from Monterey Collection services every week to try and collect debt.
Product: Debt collection

I have been contacted by Portfolio Recovery Associates , LLC via mail on XX/XX/2022 regarding a debt in the amount of {$8200.00}. The account number listed under " Account Details '' is XXXX. I do not have any responsibility for the debt Portfolio Recovery Associates , LLC is trying to collect. I do not have or have previously had an account or relationship with this company. I have sent Portfolio Recovery Associates , LLC a dispute letter by mail and email regarding the letter received. They have also been deceptive in trying to intimidate me by mention of a lawsuit. Portfolio Recovery Associates , LLC has reported inaccurate, invalidating and misrepresenting information to the consumer reporting agencies, in doing so have violated my rights and the provisions of the FCRA.
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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as REMOVE the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

I have reported to XXXX  and Equifax with updating my personal information properly or at all. 

XXXX  has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

Equifax also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit card or prepaid card

SSN : XXXX DOB : XX/XX/XXXX American express keeps on blocking my cards from usage, after successfully paying on time every single month also adding close friends from New York and California, embarrassing me with them. they now are asking for a financial review, i XXXX XXXX XXXX   currently, a XXXX XXXX, XXXX XXXX, and XXXX XXXX. i have more then enough money to pay these cards i even called asking about the black card they have but this relationship with America express has been rocky. i have attached copies of the bank accounts associated with my businesses statements. i was told to contact the CFPB by my lawyer.
Product: Debt collection

I am filing a complaint regarding an unlawful attempt to collect a personal property tax debt by Perdue Brandon Fielder Collins & Mott , L.L.P., on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ). A lien or foreclosure is being threatened as a result of this alleged delinquency. 

On XX/XX/year>, I received a second notice of tax lien ( ID # XXXX ) for personal property taxes imposed by XXXX XXXX. I am contesting the validity of this tax lien on the following legal grounds : Failure to Hold a Public Hearing ( Texas Tax Code 11.14 ( e ) ) : XXXX XXXX did not hold the required public hearing, nor did it provide proper notice to residents regarding the taxation of personal property. This is a direct violation of Texas law, which mandates a public hearing for personal property tax exemptions. 

Lack of a Valid Resolution or Order ( Texas Tax Code 11.14 ( c ) ) : The district has not passed a valid order or resolution authorizing the imposition of these taxes, which is a necessary legal step. Despite my request for documentation, the school district has not provided any evidence of a formal resolution or hearing.

The district provided documents related to real estate and agricultural taxes, which are irrelevant to the personal property taxes in question. The lien and tax collection efforts are illegal under Texas law, and a lien or foreclosure is being improperly threatened. I request that this unlawful tax lien be removed immediately.

Thank you for your assistance in resolving this issue.
Product: Credit card

Take note of the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently on time, but they are incorrectly reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I sent TransUnion a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. TransUnion is showing me being late 60 days when In fact there was never a late payment on this account. TransUnion is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. Experian is showing the account as paid but all three bureaus are showing different balances and open dates. TransUnion seems that they are not in any hurry to fix this problem! So I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached. This information provides all the proper data to support my claim.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following accounts whom I've never established any type of business with. XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX I also included multiple inquires on my identity theft report whom ive never gave permission to obtain a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple misspellings of my name, inaccurate phone numbers and addresses i am not associated with. I would like to make sure my credit report is up to date and has the correct information. There is also an incorrect social security number connected to my name. 

These names are incorrect : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX. numbers are not associated to me : XXXX, XXXX, XXXX Incorrect social security number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was alerted by CASHAPP notification via email, that there were 3 attempts on my file to take {$320.00} out of my account. I contacted them and they took forever to respond. Instead of blocking the transactions, they allowed the scammer to cash out via bitcoin. The represented insisted on asking me several questions in which I provided the needed information to. Had the representative listened instead of assisting I answer the personal questions later that she could've gotten after blocking the scammers account.