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

I have been attempting to reach out to Credit Karma about disputes needing to be filed on my XXXX XXXX 
I first reached out to Credit Karma on XX/XX/XXXX to attempt to speak with customer service after their live chat agents kept directing me to the email address. 
The problem, in short form, is this : There are 20+ fraudulent, unauthorized transactions on my debit card/checking account that occurred as a result of a lost/stolen debit card. I filed a dispute successfully for ONE charge in the app, but after doing so, the app would not allow me to file additional disputes, and kept directing me to the live chat if I needed to file more. 
Live chat agents are USELESS, and kept telling me it had to be done in the app through the process I used for the first - but again, it won't allow this, and still won't 11 days later. 
I made it very clear to Credit Karma agents that I can not call them on the phone- I am in the process of having pretty XXXX XXXX XXXX, and as a result, my XXXX XXXX XXXX XXXX and will be for months. I clearly, for obvious reasons, can not wait MONTHS to dispute these transactions and get the hundreds of dollars that was stolen from me back - nor can I wait that long to dispute transactions due to banking policy reasons, of course. 
I asked if there was a way for me to file the disputes besides the app feature, since it is clearly not working. 
I was told they can not file them over chat, and was given the email. 
In numerous emails Credit Karma claims they also can't file the disputes over email - which makes NO SENSE, I clearly outlined the dates, amounts, and vendor names of each transaction that needs disputing, just put the disputes in, it isn't rocket science! 
I was told the only way to do it is over the phone, which is not physically possible for me, I literally CAN'T verbally talk due to my XXXX. 
They claim to not have a mailing address to send forms/documents to file the disputes either. 
It makes no sense to me that in XXXX they don't have a single way to file disputes against fraudulent transactions aside from a terrible broken app function that won't work and directs me to - you guessed it, dispute over live chat! Which they are pretending they can't do! - or over the phone. 
This is extremely bad practice and I expect this company to do their job and allow me to submit these disputes and regain my stolen money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXXXXXX : Balance : {$7400.00} Account Name : XXXX XXXX # XXXX : Balance : {$7400.00} Account Name : XXXX XXXX XXXXXXXX : Balance : {$750.00} Account Name : XXXX # XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX XXXXXXXX : Balance : {$670.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

REGACCEPT - XXXX Debt {$72.00} was included in a Bankruptcy Chapter XXXX and needs be removed from credit bureau.
Product: Student loan

I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from The Art Institutes. There has already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as The XXXX XXXX. They held onto my application for nearly 60 days and ended up denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' There is no actual reason for the denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and The XXXX XXXX tied to these loans. There is no reason my application should have been denied.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

I paid my entire balance of my Express credit card on XX/XX/XXXX. I did not receive any bill stating that there was {$6.00} interest charged on the next month for the previous balance until XX/XX/XXXX which was already over 30 days past due. I have tried to call the express card company Comenity Bank 6 times and can not get a live person. Every time the line disconnects when the automated system says its trying to transfer me to a live representative. I need to understand why I was charged interest on a balance that was paid in full and why I wasnt sent a bill or received any calls from them advising a payment was missed until it was past 30 days overdue.
Product: Credit reporting or other personal consumer reports

I've been disputing these fraudulent accounts on my consumer report for over a yea, I am unable to get employment and housing because of the fraudulent item that don't belong to me on my report. the XXXX are abusing their power and making it almost impossible for me to live and have the informed use of credit. I've submitted complaints sent in disputes to no avail. I am a victim of identity theft I have daughter and we are homeless in the winter time it is cold. THESE ITEMS DO NOT BELONG TO ME. REMOVE THEM
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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: Money transfer, virtual currency, or money service

I hosted a college graduation party for myself and a few of my friends. I was the one in charge of booking a venue and hiring a band for the event. After booking the venue and band, I was in a hole of about {$2000.00}. When the day of our event rolled around, everyone that attended venmo 'd me XXXX to cover the band and venue cost. Two days later, someone that had venmo 'd me requested a chargeback at XXXX, which I think was a response from his bank. 10 minutes later, venmo had already froze my account and locked all the funds in it without even asking any questions. Since we provided a service, this is a fraudulent chargeback and venmo didn't even try to make things right ; they just upright banned me with the money I needed to pay the venue still in my account. This money is now in limbo and I am having to tell the venue that I need more time because I don't have that kind of cash to pay for something like that. Venmo is illegally holding {$2200.00} in my account and suspended my use of the platform without any basis that I violated any rule in their TOS. All they stated is that I apparently was involved in a high-risk activity. I don't think a college graduation party is a high-risk activity. 

I also followed the steps to get my account back, such as submitting an ID photo. The email says " follow these steps to get your account reinstated- Submit an ID Photo ''. This seems a little misleading because now they have my ID picture on file, I don't know where its saved, and they are already operating with predatory practices so how am I supposed to trust them with this use of information.
Product: Debt collection

For over the past year, this company has been harassing me with phone calls, text messages, and mail after I asked for them to stop. Also, they never responded to my request for proof of the account they had unlawfully put on my credit report. I have filed a police report and am planning on filing a lawsuit against them for violating 15 USC 1681D
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today to dispute the recent reporting of my Military Star Card account to the credit bureaus. I am not disputing the balance on the account or any individual charge on the account. Instead I am disputing the way the account was recently reported to the credit bureaus. The initial account balance of {$0.00} is incorrect. I have had this particular account for many years and, unfortunately, there has been a steadily increasing account balance from one month to the next. 

In XXXX of this year, I contacted Military Star Card customer support to ask to have an authorized user on the account removed. I was informed that their system does not allow for an authorized user/card to simply be deactivated or suspended. Instead, the account has to be closed and a new card is issued to the original account holder. I confirmed that today with another call to Military Star Card customer service. What I was not informed of however, was that the closing of the joint account and subsequent establishment of a new account would have a SIGNIFICANT ADVERSE IMPACT on my credit report and credit score. With the change in the account number, Military Star Card reported my initial balance on the account of {$0.00}, but when looking through the history of the account, there has ALWAYS been a balance on the account. 

In just over one month, because of the way Military Star Card reported the change to the credit bureaus, my credit score went from Good credit with a score of XXXX on XX/XX/2019 to Fair credit with a score of XXXX on XX/XX/2019. 

My reported balance went from {$0.00} to over {$7400.00} IN ONE MONTH!! This is incorrect, inaccurate, and I demand a correction to the reporting of this information of my account immediately. I have included my XX/XX/2019 and XX/XX/2019 statements that indicate the change in the account number AS WELL AS A DECREASE in the balance of the account. Due to the inaccurate reporting of the change, my credit score, and my ability to receive reasonable credit terms has been negatively impacted through no fault of my own. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is to complain about my credit scores submitted by XXXXXXXX XXXX or XXXX XXXX to XXXX, Transunion and XXXX credit scoring companies. I was alarmed today because upon checking my XXXX XXXX account, I have 3 months of unpaid bills from XXXX XXXX. This bill amount to XXXX XXXX dollars from my original credit of {$58.00} something XXXX dollars. The rest were their charges from unpaid monthly bills. But I believe this is not right because the reason why I couldnt pay it is because they made it hard or impossible for me to pay it. And back in XXXX or XX/XX/2023 when I first attempted to verify using the XXXX ( XXXX XXXX ) app, I could not access my account. Its locked or it is closed. Then I tried calling customer service to address the problem, it did not allow me to talk to a live person, it just informed me that my account was closed by the bank and that I could not proceed further. I did go on with my days, and I believe I attempted the app and the phone customer service 2 or 3 times until I just give up or maybe I though, oh well. The account is closed maybe I dont owe anything anymore. Until today, when I checked my email, among all my tons of mail, one caught my eye and it was emailed to me 2 days ago from XXXX XXXX. It caught my eye because it wasnt a marketing offer. It says that it needed attention so I opened it. It was account an attempt to collect all of a sudden XXXX dollars. So I got shocked. Did I get hacked? I didnt make any such purchase from XXXX. So I attempted again to log on to my account, change pass and all, as the account was locked already due to several attempts. And for some reason it finally allowed me to access and there it was, amount due XXXX USD. Anyway, I have complained this already to CFPB complained number XXXX and this new complaint is in connected with my prior complaint because my credit scores were greatly affected. My Transunion score went down from XXXX to XXXX, my XXXX score went down from XXXX to XXXX and my Fico Score went down from XXXX to XXXX. Not because I did not want to pay or did not attempt to pay what was due but because their payment system was blocking me from paying them.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or recorded in my name due to the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted 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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting

A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to receive a free credit report and was charged twice for services I wasnt even able to receive.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX continue to use my estate property for compensation by reporting an alleged bankruptcy. As the trustee for the estate I have not given XXXX, Experian, or XXXX permission to use the estate property for any profit that does not benefit the heirs of the estate. These companies sell information for profit and prevents me from carrying out the duties for the estate which is engage in XXXX XXXX to benefit the heirs,
Product: Debt collection

I got a call from XXXX ( XXXX XXXX XXXX. I called the number to see what the call was about. The man I spoke with did not let me get a word in, I explained that this debt was paid and it reflects on my bank statement. This same number has called my mother and aunt several times. I tried to talk with this place to get to the bottom of the issue and they are very aggressive, and yell in the phone and ultimately end up hanging up on me. They REFUSE to express who they are or provide proof of the debt. They refused to give me an address or a name to the company yet they continue to call me. Please help!
Product: Debt collection

I sent a debt validation letter twice on the following dates : XX/XX/2021 and XX/XX/2021. Each time, the company failed to verify my debt. On XX/XX/2021, the company sent a letter that stated a debt value of {$680.00} but the debt value received from XXXX  and XXXX  on XX/XX/2021 states a debt value of {$510.00}. Also, the letter sent by the company on XX/XX/2021 did not answer the requests I needed in order to verify the debt. After, I sent the failure to validate letter on XX/XX/2021, the company never responded.