23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the three major credit bureaus for a few items that each of the 3 are not being truthful about a different problem that has either been deleted or they have not redisputed the information reciting that they have disputed it before and that the information to dispute is frivolous and will not be investigated. File Number XXXX. The items specifically on XXXX  are 1. XXXX XXXX. account # XXXX 2. XXXX XXXX account number XXXX. XXXX XXXX XXXX the other one was deleted I was a victim of identity theft. These accounts were opened fraudulently, they were deleted and now reappearing back on my report. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are bankruptcies on XXXX  and Experian file in 2019 that they claim they got from XXXX XXXX, I have a copy of my XXXX   XXXX  report, Consumer Number XXXX which shows no bankruptcies, as well as a XXXX XXXX, report Consumer ID XXXX which has cleared any bankruptcies because of proven identity theft. 

3. XXXX XXXX ( XXXX ) account number XXXX was deleted from my credit report. It was a stolen credit card and was deleted now reappearing. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

4. XXXX XXXX XXXX. '' In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

5. XXXX  XXXX balance is {$620.00} This account is mine but I have never been late. They have been charging me XXXX dollars per month stating Im late. My credit limit is {$40.00} dollars, and my payment is {$14.00} in which I pay {$20.00} per month on via my checking account. It should be paid in full by now, but instead the balance keeps going up. 
6. The XXXX. Account # XXXX I have never been late on this account. This is my son 's car and is being paid through XXXX they have never missed a payment. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 
7. XXXX XXXX XXXX was deleted from one bureau and is saying correct on the others how can that be. The same 5 day reinsetion applies. 
8. XXXX XXXX : Never had this account, was deleted and reinserted. 
9. XXXX XXXX. Never opened an account with this company or the company that sold it to them. It was deleted and reinserted with Experian only. Please make these companies redelete these items and keep them off
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 : XXXXXXXX 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. 
please provide original contract and verify all payment history where necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, 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, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX Balance : {$1500.00}.
Product: Credit card

On XX/XX/XXXX, I became aware that approximately {$6300.00} was charged to my credit card account between XX/XX/XXXX and XX/XX/XXXX when I went online to make a payment on my Citi Flex Loan as I had not used the credit card in several months. I immediately contacted Citibank. I confirmed that none of these charges were authorized by me. I also confirmed I was always in possession of my card and had not authorized anyone else to use it. I was told they would open an investigation. Even after canceling my card, I noticed charges from XXXX. I called Citibank again and was told that I had to call XXXX to remove the card from their app, which I did. Those charges have since been credited. 
I received a letter dated XX/XX/XXXX stating that the investigation and dispute were closed. I called back to reopen the dispute. I then received an email from Citibank dated XX/XX/XXXX that they had heard back from a merchant asking me to confirm whether or not a transaction was authorized. It was a food and beverage charge in the amount of {$25.00} XXXX at the XXXX XXXX XXXX XXXX. I responded via email on XXXX XXXX. The receipt provided shows that it was charged to room XXXX with arrival date of XX/XX/XXXX through XX/XX/XXXX. The signature is clearly not mine. This charge was credited. I was also credited {$85.00} on XX/XX/XXXX, which I am guessing is the charge for that XXXX night. Then, he must have checked in again on XX/XX/XXXX through XX/XX/XXXX and there is a charge of {$390.00} which was not credited. On this same email, I included an Incident from the XXXX Police Department regarding a deceased person found at the XXXX XXXX XXXX. The case was still being investigated so they couldnt provide any further information at that time. I didnt hear anything further, so I sent an email to the attention of XXXX XXXX XXXX XXXX XXXX and XXXX. I included the above information/attachments as well as the incident number ( XXXX ) for the police report I filed with the XXXX XXXXXXXX Police Department . I received a phone call on XX/XX/XXXX from the XXXX office at Citibank ( phone number ( XXXX ). They were going to send the dispute back to the investigative team. On XX/XX/XXXX, I received a phone call from the same number stating that there wasnt anything further they could do for me. I asked to speak to the investigative team and was told that was not possible. To date, they have credited {$1400.00} but there are still outstanding charges of {$4800.00} plus interest and fees
Product: Payday loan, title loan, or personal loan

Placed a gift order with Swiss Colony.After order, other sites sent me catalogs with buy now, pay later with XXXX payments. I ordered holiday gifts, expecting monthly charges to be low as advertised. Once I placed orders, more credit was extended to me from different sites and advertised payments of XXXX a month. I could afford that. When I got the bills, the payments were as high as XXXX a month with 28 % interest. To my surprise, when I contacted one of the companies, I learned they were all the same company. Rather than 1 revolving account, they were billing for each separate order, charging 28 % interest on each order and payments added up to XXXX. A month. When I questioned them about the advertisement of low payments, they laughed at me and hung up. I had a XXXX and spent awhile in the hospital. When I recovered, I looked at my once good credit reports to learn this company placed 4 different charge offs to the orders all owed by the one company who is deceiving people about who they are and how they are violating users laws with their scheme.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against CarMax Auto Finance Regarding Fraudulent Account and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CarMax Auto Finance concerning a fraudulent vehicle purchase made in my name as a result of identity theft that occurred in XX/XX/XXXX. A vehicle was purchased using my social security number and date of birth ; however, the name on the contract was incorrectly spelled, indicating that this was not a legitimate transaction. 

Despite my attempts to resolve this matter directly with CarMax Auto Finance, they have failed to properly address the issue. They provided me with a so-called " original signed contract, '' which lists an address at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX address with which I have never been associated. Furthermore, all related documents were sent to XXXX XXXX XXXX, XXXX XXXX XXXX, another address I have no connection to. 

I have already filed a police report regarding this fraudulent activity. 

In addition to these discrepancies, CarMax Auto Finance is currently reporting a balance of {$22000.00} to all three credit bureaus. However, I received a document from them titled " XXXX XXXX XXXX XXXX XXXX  '' stating an amount of {$21000.00}, with additional finance charges and interest of {$520.00}, bringing the total deficiency to {$22000.00}. These inconsistencies violate my consumer rights under the Fair Credit Reporting Act. 

Given the errors and CarMax Auto Finance 's failure to properly verify my identity, I am demanding that this fraudulent tradeline be immediately removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration.
Product: Debt collection

This car was paid of by my insurance company I did not sign any documents this springs oaks capital and did not agree to do business with spring oaks capital, spring oaks capital fraudulently have my personal information in they database and I do not approve they are trying to collect XXXX
Product: Checking or savings account

My issue is with PayPal everytime I use them its new problem that arises. I feel like they are fishing for fees and threatening to close accounts. My balance keeps going negative after completing normal transactions where my balance is positive and I have the funds to cover. Its deceptive to remove funds out of the account at random times. I am not able to track the transaction in chronological order because they never have correct balance info listed. So now they are saying I owe a negative balance of XXXX. But there is no way to verify what they are saying is true. And it doesnt make sense considering Ive never been able to use this card for a purchase of the balance of the account couldnt cover it. This is stealing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : ONEMAIN Account Number : XXXX The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA.

I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Checking or savings account

In XX/XX/2022 unauthorized mobile deposits were made to my account after two months the issue was resolved, most recently authorized mobile deposits were made and within hours my account was closed and i was told that the bank is ending their relationship with me due to fraudulant activity made to my account. I have bsnked with th3m.for 16 years. And never had this problem, they say that they dont take third party checks but a payroll check is a third party check. Due to this closure i am not able to open a account at another bank and i have a business to run
Product: Debt collection

This following matter is in regards to the company of XXXX XXXX XXXX XXXX XXXX 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told MrXXXX XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.
Product: Payday loan, title loan, or personal loan

I have an installment loan with XXXX XXXX XXXX in XXXX, Il. I am behind in my payments due to a job loss and starting a new job making less money. I am behind in several bills and have started a bankruptcy ( Chapter XXXX ) through an attorney. I was told to give the information to the finance or credit companies so they can deal with the attorney instead of calling me. I gave XXXX XXXX my attorney information on XX/XX/18 ( through online portal ) and again XX/XX/2018 on the phone. On XX/XX/18 they are still calling me regarding payment. Not only did XXXX call regarding payment she called my work asking for me and when I wasn't there she asked to speak to the payroll department. 

I called and spoke to her this morning, XX/XX/2018. I again gave her the information for the attorney and demanded that she stop calling me. I also asked XXXX what she wanted with the payroll department and she said she was just verifying employment which was a lie. She already knows I work here since she continues to call me at work even after telling them to stop. 

This is also the third time I have told them to quit calling me at work which hasn't worked in the past since they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three bureaus Experian, XXXX, and XXXX  about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an email fromTransUnion regarding a dispute that I have on my credit report. 

The email stated that the results where ready for review and all I had to do was log in to their site to view the results. 

Prior to calling TransUnion, I attempted several time to login with the pass words that I created, also their web site would not allow me to up date my pass word. Please note that other than the web site in the email sent to me on XX/XX/XXXX, I tried other websites listed on the internet for TransUnion, with the same results. 

Today XX/XX/2019, I have spent over two hours attempting to log into my account and trying to speak to someone in their Tech. Support Dept. I was given several tel. number provided by TransUnion employees to call Tech. Support, each time, I received the run around. ( Telephone numbers I called : XXXX ; XXXX ; XXXX ; XXXX ). 

They said they checked my account against the personal information that I gave them and they could not understand why I could not sign in. 

This is not the first time I have encountered problems with TransUnion. All their agents have a foreign language making it difficult to understand them. 

TransUnion needs to education there on line employees much better than what they are doing now.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX XXXX XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Student loan

OnXX/XX/2023, I received yet another harassing letter from Moehla stating that my account is past due when they have XXXX unapplied payments sitting in their account.
Product: Mortgage

I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Bank of America always seemed to lose my paper work, which I constantly had to re fax. 2015 we a very difficult year for my family. I lost my job, and went on unemployment. My wife was diagnosed with XXXX She was unable to keep her job as well. An unbelievable hardship for our family. I am now back to working full time with XXXX XXXX XXXX My wife now has XXXX income as well. Our family is now over our hardship and wants to keep our home. Bank of America has refused to help us with a modification and is forcing us into a bankruptcy.
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

i have already summitted many disputes on this account that is not mine Experian keeps putting verified with out sending any proof that the account is mine.
Product: Checking or savings account

Please see the attached letter which was received today XX/XX/24. First, the information is incorrect. See attached screenshot of the Truist app XXXXtaken today XX/XX/24 at XXXX. 

Clearly indicates that {$200.00} was due XXXX so not even 30 days late. 

They will get their money-heck, they are charging interest on it anyway-so they need to chill out and stop sending threatening letters. They are wasting paper and killing trees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit reporting or other personal consumer reports

I am attaching a letter which I wrote and mailed to you about this situation. The letter was returned as not deliverable as you no longer have the XXXX XXXX which XXXX gave as place to send any complaints about credit dispute results. 

I am also including copies of the relevant pages from my separation and divorce decrees which show that my ex-husband and I were each respectively responsible and liable for our own incurred liabilities subsequent to our date of separation. While the Discover Card is not listed in our paperwork, it is a credit card that my ex-husband retained and became solely responsible for any liabilities incurred from the date of our separation forward. We have been separated and divorced for over 20 years.
Product: Checking or savings account

XXXX sponsored another company called XXXX. I was told that if I fill out their promos Id be giving credit for doing so. I spent over $ 100+ and am being told they didnt track the fact that I did the promo. Now I am out of money and they are claiming they cant help. Wells Fargo is also saying they cant help despite the fact I was told one thing and the company did something else which should be considered deceit and/or misleading me I wouldnt have done the promo if they didnt offer a reward for doing so which is grounds for a chargeback I didnt receive the service I was told Id get. They also declined my claim. Hopefully others dont bank with them as they try their best not to help you.