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

My name is XXXX XXXX, I recently had fraud on my direct deposit account, and someone stole my compensation of {$4100.00}. Ive tried to contact someone who can expedite the process of my dispute and I am not receiving any help with this situation to reverse the fraud. They pay me normally a few days early, however the morning of XX/XX/XXXX called because my account was hacked and my deposit stolen. Had to wait until XX/XX/XXXX so they could allow the transactions to go through and then they could dispute it. XXXX XXXX ( Credit Karma Spend Account ) has the 8 transactions in the dispute process however they are telling me it could take up to 90 days ( XX/XX/XXXX ), no explanation as to why this takes so long or why I cant have my money back in which my actual debit card wasnt even used, someone XXXX my account and stole my virtual card.I cant wait this long for this to happen, Ive already switched my deposit information to my XXXXXXXX XXXX account. As a veteran who receives this XXXX XXXXXXXX compensation monthly, I can not wait until XXXX to get my money back that is ridiculous. I have also verified my identification multiple times through text and emails, with my picture and ID. Last phone call was XX/XX/XXXX, apparently I cant reach a supervisor or the actual fraud team to expedite this process. Now Im reaching out to all levels of fraud departments including the XXXX. They also allowed someone to change my information, they got into my account, changed my name, my PIN number, and phone number. But I try to change anything and I have to verify with my ID, so I dont know how this even got past their two-factor authentication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company XXXX, XXXX and XXXX has been on my credit report since 2018 and listed as included in bankruptcy. I disputed the account with Experian and they updated the account to a collection past due account. I never received a bill from the company nor has anyone tried to contact me about it from 2018 to now. I called the number and XXXX answered the phone. She had me verify my information, but they had me listed as a resident of Florida which I have never been. I asked how is this account a collection, when it's always said XXXX? She said it never said that and we debated a little. I asked her to mail me a debt validation letter and she hung up. Attached you will find proof that they have been reporting this debt as XXXX and just recently changed it once I disputed it. Either way, I do not recognize this account, I do not appreciate never being notified, nor do I appreciate XXXX 's rude behavior. Completely unprofessional. 

I disputed this account with Experian and they reached out to the company and only updated the account based on what the company said. How did Experian verify this debt? It doesn't make sense especially since the company had me listed as living in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX oXXXX XXXX  someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with XXXX XXXX and Experian several times and attempted to get this issue resolved with No result. Ive asked several times for a XXXXetter of Validation from both XXXX XXXX and Experian and havent received one although I was told it was mailed to me. I have done everything I was asked by both XXXX XXXX and Experian with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both XXXX XXXX and Experian refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against XXXX XXXX. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and Experian stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.
Product: Credit card

On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. 
THE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any inaccurate records. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

Hello, I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Here follows the accounts that are inaccurate : XXXX. ) XXXX XXXX - Account Number : XXXX. 
XXXX. ) XXXX XXXX - Account Number : XXXX. 
These accounts are not complete and are inaccurate. 

Also, according to 15 USC 1681s-2 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. 


If you check my attachments everything is not complete and accurate. 


According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Also, according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Unfortunately they did not do that and according to 15 USC 1681s-2 they are supposed to 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.
Product: Money transfer, virtual currency, or money service

My wife and I made reservations and they wanted a card to put on file to hold the reservation. I gave them my cash app card information and I was told it would not be charged. When we arrived we planned on paying with cash. They wanted a deposit of I think it was {$XXXX}. We paid the deposit rented the room, stayed the night, woke up, ate breakfast, they checked the room, we got our deposit and checked out. Then I received charges on my cash app card. The first one I did not see till later it was for {$XXXX} that should not have been allowed as I did not approve it. I still did not see the {$XXXX} charge when I received a notification from Cash app that this business was trying to charge me different amounts at different times. I did not have any money in my account and I figured I could call the next day. Then I seen that cash app approved the transaction with no money in my account and without my approval. There mistakes have put my account in the negative {$XXXX} plus the {$XXXX} that I did not see till later. I also have $ XXXX in the stock on their App that I can not access because of this negative balance. It's like they are holding it XXXX for charges I did not approve. Also I am not opted in for over draft. So why was I charged if this is not a credit card? I did send in the receipt from when we stayed that night in the dispute.
Product: Debt collection

They keep reporting that I owe them but I dont even know who this credit company is at all so why would I pay for something I never got at all so they said my credit will go down and won't be able to ever get anything and that is really hurting my credit to even try to get a car any where
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts, i notice few accounts i dont know who they are can you please remove thnanx
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2022 i received a copy of My experian credit file and noticed Experian has added an address, social security number and an account to my credit file that does not belong to me. i contacted Experian the same day and was told to send a copy of my id and social security number and they will investigate and remove the social and accounts. today is XX/XX/2022 and the social security number and account is still being reported in my credit profile, today i tried to dispute it again online and got an error not allowing me to dispute although its not my social security number or accounts.
Product: Mortgage

My problem is with Freedom Mortgage Co. XXXX XXXX XXXX,. XXXX, Ind. XXXX I have sent additional monies to be used for principle only but they always apply the payments as regular payments with most of the money going to interest. Many phone calls and I never got satisfactory results. I was told I had to send my money to another address but the results were the same. Finally after getting very rude and ugly, I got one lady that helped me. There was approx. {$4800.00} and six payment over a two year period. One payment of {$600.00}, check # XXXX written on XX/XX/2017 was not reversed and applied to principle as should have been. I was told they could not change a payment that far back because there was a Federal Law that prohibited them from making a change to an account with a payment that far back. Many phone calls to Freedom mortgage and I could not get any satisfaction. These people are dishonest. I followed their guidance of writing for principle only on my check and even highlighted it but they always applied the extra money to interest. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This information just updated and took my credit score down saying my account was closed and its still open
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XXXX made fraudulent transactions on my account. I disputed them and XXXX put the money on my account took it off and is withholding it the representatives will not listen or help me I filed a police report and sent it in with other proof they cancelled my card and issued me a new one and still will not give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Data Breach Litigation mailed me a bad settlement check that bounced on XX/XX/2020 which is the last day to deposit. 
{$8.00} bad check and {$12.00} bank fee for bad check from Experian. 

Experian Data Breach Litigation XXXX. XXXX  XXXX XXXX, KY XXXX I filed a complaint against Experian Data Breach Litigation on XX/XX/2020 and no refund issued. Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and XXXX. 

I have tried contacting both credit bureaus about this, as well as Synchrony Care Credit, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XXXX/XXXX/2017. 

This has been paid in full and should be noted as such on all three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX  XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

Us auto sales went out of business. My car was paid off. I never received notice that they were going out of business or even out of business. My engine went out and my car was repossessed
Product: Credit reporting or other personal consumer reports

I am filling this complaint because I believe my rights are being violated under The Fair Credit Reporting Act section 611. 
On XX/XX/XXXX, I disputed a collection reported by XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Transunion replied that the collection was verified. On XX/XX/XXXX, I sent them a certified letter with return receipt requesting that they provide how they validated the debt, when that agency has not validated the debt with me. Transunion received my certified letter on XX/XX/XXXX. I still do not have response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer. 
15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication.

15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number. 
15 USC 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 antidates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with EquifaxXXXX XXXXXXXX, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DELIQUENCY ALERTS FOR XXXX XXXX : XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX SPOKE WITH COMPANY ABOUT UNRECOGNIZED CHARGES WHICH I DID NOT AUTHORIZE AND COMP Y STATED THEY WERE NOT ABLE TO LOCATE AN ACCOUNT WITH MY EMAIL, PHONE, ADDRESS, OR NAME. THESE ARE FRAUDULENT CHARGES AS I HAVE NOT DEALT WITH THIS COMPANY OR PURCHASED ANYTHING IN THESE AMOUNTS. 

THESE ALERTS WERE REPORTED TO EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!
Product: Checking or savings account

I purchased car equipment from XXXX, item arrived damaged, I contacted XXXX, and they refused to help stating shipping company damaged item, refund would not be paid, I dispute with financial institution Chime, and was denied, I am still waiting on documents they used to deny my claim The Claim number for this dispute is XXXX for account ending in XXXX
Product: Checking or savings account

Unfortunately, this is my second complaint against this particular bank. Due to identity theft and fraudulent transactions I have had to dispute some transactions from XXXX to XXXX. I have recently disputed XXXX transactions, XXXX being invalidly denied. The other that is being worked on currently I am not feeling very hopeful and I have XXXX confidence in the team that is investigating either claim. Some of the representatives have been rude and have even hung up on me throughout this stressfully situation. I am overwhelmed and over this bank especially after dening at least XXXX of my disputes and overdrafting my account as a result. I am looking for a way to resolve this situation and more importantly to protect my accounts and finances overall. 

Sincerely, XXXX XXXX
Product: Debt collection

Someone had to use my information to get a loan at this establishment called XXXX XXXX XXXX XXXX, and that was definitely not me. In the amount of {$44000.00} and dated XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$75.00}, XXXX {$40.00}XXXX XXXXD XXXX {$790.00}.