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

I am a XXXX yr. old XXXX XXXX and a terrible thing happened to me. I was sent some money from a friend through XXXX on XX/XX/2021, but never received it. I then went on my computer to look up XXXX when a XXXX XXXX ( phone # XXXX XXXX XXXX ) who said he was from XXXX and would get my money to me if I verified who I was. He had me go on XXXX website with XXXX and XXXX my license and email as verification. 
The next day I went on my app sites as I do every morning and when I got to Chase Bank app I was horrified. Someone had transferred {$10000.00} out of my account ( {$9900.00} + {$25.00} transfer fee ) to someone I did not know. It was definitely an unauthorized transfer. I immediately went to my Chase local branch and reported this. They changed my account number and said I would get my money back. Then Chase 's XXXX section emailed me and said I could not get my money back. 
I then went to the NYPD whose detectives felt a crime was committed by the above person on me, took a report and gave me a report #. I need my money back. It is social security and pension to live in an Assisted Living Facility.
Product: Credit card or prepaid card

I am writing to BEST BUY/CBNA because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX 2017 in XXXX, XXXX and XXXX reportx prevents me from achieving the desired results. 
I am kindly requesting BEST BUY/CBNA to remove this late payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect account reporting to my Experian and XXXX  credit report. I have tried to resolve this with both Experian and XXXX  with no response from either companies within 30 days. I have provided proof of delivery below.
Product: Debt collection

The Judge granted a motion to stop all the collection proceedings against us but the Proficio Financial Services , LLC XXXX XXXX XXXXXX/XX/XXXXWA XXXX is not complying with the judge 's granted order.
Product: Debt collection

This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/2023. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
Product: Student loan

this loan was made under false pretensis from the sales rep at the university they did not allow me to finish due to an accucation of plagarism- i want this load forgiven if possible as i was not able to finish - NAVIENT is unwilling to listen and they continue to deduct the monthly charge
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX Reporting 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXF XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called Home Depot they said it was never processed completely. Home Depot reported me 3 months past due!!!! 

I've disputed with the credit bureaus and Home Depot and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!
Product: Credit card

I first called Upgrade on XX/XX/year> and asked customer service if my credit cards were still eligible to be reinstated and used. They said " yes, as long as you bring your accounts current. '' That day over the phone, I made two payments to bring them current, only expecting to pay what was past due so that they would become current. The first was for {$370.00} and the second was for {$230.00}. They told me it would take 4-8 business days to clear and my credit card available balance should be updated. On XX/XX/year>, I noted two transactions on my bank account. One for {$370.00} and the other for {$720.00}. This was the first problem ; the customer service agent incorrectly billed me in the amount of {$720.00}, which was {$490.00} over what I agreed to. I said " at least I will be able to use that amount when my credit cards clear and the available balance updates. '' Days passed, and the credit cards were still not able to be used. I called them again on XX/XX/year>. I spoke with a customer service rep who said " Upgrade is one of those companies where if one account is past due, you can not use both accounts. '' The due date of one of the two accounts passed while I was waiting for the payments to clear. So I said " okay, here 's another {$120.00} to bring the account current AGAIN, so I can use the credit cards. '' Almost a week passes by and I called in to check on the status. I spoke with another customer service rep who put me on hold for several minutes while reviewing the account and told me, " as of XX/XX/year>, your account has permanently been suspended. '' I contacted my bank, but they were unable to dispute two out of three transactions because they were made with my routing number and checking account number. I called Upgrade back and a customer service rep said they wouldn't be able to refund my money because it would put my account in the negative. If the account was not able to be reinstated, I wanted to pursue a settlement or include it in bankruptcy.
Product: Credit card or prepaid card

I applied to extend credit through capitol one on XXXX/XXXX/2022. I was pre approved for several cards & once I submitting an application I was only given a {$300.00} limit.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I contacted Discover Credit Card to inquire about the status of my disputed transaction. I had informed Discover Credit Card that I had returned a defective item to the merchant and the merchant was not providing me with a refund. 

Discover Card supervisor XXXX stated that Discover declined my dispute and could not help me any further because the merchant never acknowledged I returned the defective item. I informed supervisor XXXX that the item was returned, and the tracking number was provided in the dispute documentation I had previously submitted. Supervisor XXXX stated that Discover could no longer contact the merchant to confirm if the merchant agreed that I returned the item. Supervisor XXXX stated that I needed to contact the merchant and obtain a letter or document showing that the merchant acknowledged that I returned the merchandise. I informed supervisor XXXX that the merchant was not communicating with me because i disputed the transaction and the merchant closed my account. I asked supervisor XXXX if the case could be re-opened so Discover could reach out to the merchant and ask for the required information needed to resolve the dispute. Supervisor XXXX said the case could not be re-opened and that Discover could no longer assist me. 

I also informed supervisor XXXX that I was being scammed by the merchant because the merchant was claiming I damaged the item and was attempting to get a refund on an item I damaged. Supervisor XXXX XXXX stated that Discover could not assist me and that I should seek outside assistance. 

Supervisor XXXX continued to state that Discover could no longer continue with the dispute and that I needed to seek help outside of Discover. For over an hour supervisor XXXX insisted that nothing further could be done by Discover to assist me. I asked multiple time to be helped by a higher level supervisor or someone who could further assist, but supervisor XXXX refused to complete my request. Supervisor XXXX intentionally ended the phone call while I was still trying to speak to him. 

I contacted Discover to inform them of my issues with supervisor XXXX and the intentional termination of the phone call while I was still speaking to him. Discover representative XXXX stated all the calls are recorded but she could not provide me with a call identification number. Discover representative XXXX stated that all complains are handled internally and there was nothing else she could assist me with.
Product: Debt collection

XX/XX/2016 {$1000.00} debt do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent my first letter to transunion on XX/XX/2021, about some inaccurate and incomplete items reporting on my credit report, they never sent me anything so i sent another letter on XX/XX/2021 about the same issue and as of XX/XX/2021, no information from Transunion.I would like for it to be deleted before i turn this matter over to my attorney. 
all of my letters was sent USPS CERTIFIED MAIL W/TRACKING # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Late Date XX/XX/19, XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

On XX/XX/2023, I was in XXXX XXXX on a business trip. I was fairly inebriated when I walked out of my hotel room and was lured to a bar in XXXX XXXX by two women. They then convinced me to take money out of my account and made note of my pin #. That is the last thing I remember, as I was XXXX and XXXX and woke up in a park around XXXX XXXX on XX/XX/XXXX. The thieves used several of my cards and my phone to access funds from several accounts ; however, Chase Bank is the only one that has denied my claim. The thieves made transactions on XX/XX/XXXX for an XXXX ( {$25.00} ) and two non-Chase ATM withdrawals ( {$100.00} ) and ( {$200.00} ) and sent money via XXXX ( {$20.00} ). On XX/XX/XXXX I was charged 3 non-Chase ATM fees @ $ XXXX. ( {$9.00} ). They also sent a XXXX payment via my account ( {$500.00} ) and made another non-Chase ATM withdrawal ( {$63.00} ). They then made three back-to-back purchases at a XXXX nowhere near XXXX XXXX that included cash back each time ( {$200.00} + {$40.00} cash back ), ( {$200.00} + XXXX cash back ), and ( {$490.00} + XXXX cash back ). My total losses = {$1900.00}. While Chase initially credited these funds back to me, they later reversed all of them. Because the thieves used my pin code and had my card with them, they said that proves it was me. This despite my spending history in no way reflecting the transactions that took place between the evening of XX/XX/XXXX and on XX/XX/XXXX. I told the cab driver about my experience on the way to the airport and he described exactly who the women where, where they took me, and everything in between. Apparently, they are well-known for victimizing men in compromised conditions in that area and do it all of the time. I have found several stories very similar to mine online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXXXXXX XXXX  Date Updated : XX/XX/2016
Product: Debt collection

My father died intestate and insolvent in XXXX, XXXX. 
XXXX month later I sent out the required XXXX XXXX XXXX, showing my father 's accounts were nearly empty ( approximately {$1300.00} remained ). As the XXXX of Oregon gives a " proper and decent burial '' precedence over debts when ordering executor financial decision making priorities, the entirety of his resources were more than expended by the lowest cost cremation service available. 
XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX contacted me, attempting to collect on {$1300.00} of medical debt. I called the number they provided and sent them a copy of the estate affidavit. In both instances it was made clear to them that the account was insolvent, no resources were available to repay the debt and as I had not comingled my own finances with his, I would not be taking his debts on as my own. 
Now, in XXXX letters dated XX/XX/XXXX, XXXX XXXX has reiterated their claim despite having been told to desist. When I called to give them a last chance to back off prior to this report, I was directed to an offshore call center which attempted to force me into saying " ok '' for no apparent reason ( I suspect for fraudulent purposes ).
Product: Debt collection

I have been receiving this bill of {$1600.00} for years now. I was a MINOR at the time these services were provided, they were not only PAID by my parents insurance but the merchandise was RETURNED to the medical facility because they were DEFECTIVE. The debt is incorrect and not mine. I am XXXX years old now and I should NOT have to be responsible for paying for a hearing aide that I RETURNED and that NEVER WORKED in the first place. We were not supposed to be billed once we returned the product. This is a FALSE charge. I have made several attempts to remove this from my credit/record and have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX