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

On XX/XX/2019, I realized three large transactions to my account that I had no knowledge of. But I still had my debit card in my possession. 

The charges totaled {$1600.00}. They were two purchases of {$350.00} from XXXX and another online purchase of more than {$900.00}. 

I called the bank to file a fraud claim. The claim number is XXXX. I also informed them that I had rent due the next day, but they told me I would have to wait 10 days before receiving the money back. Because of such, my rent was past due. 

On XX/XX/2019, they credited my account the amount of {$1600.00} while they continued to research the claim. 

Then on XX/XX/2019, they let me know that they found that " one or more merchant credits posted to your account totaling {$350.00}. 

Because the merchant has credited your account, the previously issued credit for {$350.00} has been reversed. We now consider this dispute ( s ) resolved. '' Then, on XX/XX/2019, they informed me that they would be reversing the credited amount because " Our records show the transaction activity in question was authorized and posted correctly to your account. 

As a result, the credit for {$1300.00} that was previously applied to your account will be removed on XX/XX/2019. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed.because these were charges that I made myself. '' I contacted them on XX/XX/2019 by phone to ask what happened. They said that it did not fit a pattern of fraudulent activity -- even though I've never used those merchants before. That in order to reopen the investigation, I needed to fax a letter. I don't have a fax machine. 

I do not know any information about the fraudulent purchases. I did not make them. I had my debit card in my possession the entire time. They not only treated me poorly XXXX like I wasn't a customer ), they did not live up to their responsibility of covering fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian with a dispute in writing as soon as I noticed a debt for {$590.00} on my credit file in XX/XX/2019 from Report Number : XXXX Account Name XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX   Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX  XXXX XXXX, GA XXXX I sent in a copy of my drivers license and deed to my house and a utility bill, and my birth certificate. the debt in question is a total different person, in a different city and different name. The attorney for XXXX has confirmed that this is not me, but Experian will not remove it from my credit file, going on the 5th month and it dropped my points by 50 plus!! I can not apply for my XXXX card or XXXX card and I'm still waiting to do my refinance on my house, but I cant until this is taking care of. When I called the attorneys office again to check on the status, they told me Experian was givien the info several times to review and delete it and has not responded.
Product: Debt collection

XXXX XXXX XXXX is alleging I owe a debt I do not. Total Visa sold his allege debt to XXXX XXXX XXXX knowing the debt has been canceled and canceled debts are considered income and can not be reported to the credit bureaus. XXXX XXXX XXXX never sent me a notice to dispute this information before adding it to my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several accounts on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681c-2 ) due to the widespread cybersecurity breaches affecting the XXXX government and other organizations. As a verified victim of XXXX XXXX, a private citizen and various unconfirmed members of the Department of Government Efficiency breach of the Department of Education, According to public reporting XXXX XXXX XXXX XXXX XXXX a handful of XXXX engineers linked to XXXX companies, with unclear titles, could be bypassing regular security protocols during DOGEs infiltration of federal agencies. I am disputing the following accounts as inaccurate, unverifiable, or potentially fraudulent : DEPT OF ED/AIDVANTAGE XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF EDXXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF EDXXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i ''
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card

On XXXX i came with clean hands to extend my credit as a investor. CAPITAL ONE denied me my right to extend credit. I am requesting CAPITAL ONE provide me based off of the law, what factors underwriting used to deny me? Because i am aware that per CAPITAL ONE 'S most recent XXXX filing that my application that was completed for this transaction is has now been securitized into a promissory note and is now transferrable to a third party, and the account was still opened on the private side. I will be revoking CAPITAL ONE 'S ability to transfer my note until this issue has been resolved. I gave CAPITAL ONE my social security number which gave said company access to my trust, when the PRIVACY ACT OF 1974 states I am not obligated to give my social security number : Section 7 of the Privacy Act ( found at 5 U.S.C. 552a note ( Disclosure of Social Security Number ) ) provides that : It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number. Sec. 7 ( a ) ( 1 ). Also, I will be reaching out to said company regarding my interest i created from the commercial paper be deposited into my Treasury Direct account on a monthly every 4 week period in which said company will be entitled to their 20 %. If capital one chooses to not comply i will be forced to contact the appropriate officials.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, 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 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 XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

This account was a charge off. last payment was XXXXthen went into charge off. 
in XXXX since then, the account has been repeatedly updated as charge off ever month. 
for 40 months. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. 
my rights. this was a voluntary surrender of car. and you didnt close account till XXXX when it should of benen closed in XXXX.
Product: Checking or savings account

XX/XX/XXXXMay 3 - Submitted Dispute due to XXXX order never arriving and XXXX refusing to help. They basically told me that my only option was to make a dispute which I did.

XXXX XXXX - Call Credit Karma XXXX asking about status of dispute and wanting to speak to a supervisor. They said I had to wait 90 days or for them to do whatever they want. Never got a call back from them.

XXXX XXXX - Few days later the claim was denied because there was no error. Literally the reason why it was denied was because there was no error it says that on the document.

XXXX XXXX  - Called again for help they said they can't help. No one else to talk to dispute department is email only I have to wait another XXXX hours for a so-called supervisor to call me that I will not receive a call from again.
Product: Mortgage

I got a VA loan with Highlands residential mortgage. i went through a hardship due to corona and the election. i was paying a 3.1 % interest rate. i was put on a forbearance plan for three months and told that i had 6 months. Then i was told i would be able to get a deferment towards the end of the loan. After 3 months Highlands reported me to the credit bureaus which hit my credit and sold my loan to XXXX XXXX. XXXX  XXXX  had no idea i was in forbearance plan. i can never get ahold of anyone and when i do there is a language mis communication. i can understand word they say. They finally give me a personal agent but takes days to get ahold of him. Got paperwork to sign my interest rate went up to 3.5 % my note went up from {$1200.00} a month to {$1900.00} a month! im a XXXX  dad of XXXX  young boys, a veteran, and work very hard to get the things i have. how is this legal in these times? what are my options? Its like they trying to make it to where i cant pay it!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts that remain inaccurately listed on my credit report. Despite multiple attempts to address these inaccuracies and repeated requests for a thorough investigation, there has been no resolution or corrective action taken to date. 

These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. The negative repercussions of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Mortgage

I secured a First Deed of Trust from XXXX Bank XXXX dated XXXX XXXX XXXX, recorded XXXX/XXXX/XXXX. The subject property is located in XXXX XXXX XXXX, however, the Notary/Attorney executed the Deed of Trust on XXXX/XXXX/XXXX was in XXXX XXXX XXXX, the certificate of acknowledgment states State of XXXX XXXX of XXXX XXXX ( attached ) there is no such county in XXXX. There is only XXXX Assignment of Deed of Trust from XXXX Bank to XXXX Bank recorded on XXXX/XXXX/XXXX, I researched no other assignments have been recorded. Nationstar has been collecting my mortgage payments as the servicer for the last five years, I became suspicious when I received a Notice of Sale of Ownership of my Mortgage to XXXX XXXX in XXXX XXXX XXXXThe letter from Nationstar dated XXXX XXXX XXXX specifically sates this Notice of Sale of Ownership was recorded however, I am unable to locate the recording or Assignment. I subsequently received a notice from Nationstar Mortgage stating that my loan has been transferred to XXXX XXXX XXXX. I would like to see the Servicing Transfer /Release Agreement from XXXX to Nationstar Mortgage XXXX and also the Servicing Transfer Agreement to XXXX XXXX XXXX and more importantly the documents the documents which confirm a Sale and New Ownership to XXXX XXXX XXXX XXXX XXXX XXXX 
I do not believe the servicing of my loan nor the multiple undocumented transfers are legal.
Product: Debt collection

For over a year I have been disputing XXXX XXXX XXXX with Experion Credit Bureau asking them to please verify this debt because it is the wrong amount Everytime I file a dispute, Experion response back within days giving me a response that this debt has been verified I then asked how did they verify the debt and they tell me the company told them so without even giving me any documents Experian keep telling me I need to contact the debt collector and get the information from them which I have tried and notified Experian that the company will not provide me the proper documents as of now Experian has still not provided me the proper documents verifying this debt and they still have it on my credit report after I have asked for it to be deleted
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to correct and remove inaccurate personal information from my consumer report, despite my formal dispute. Experian has continued to report old and incorrect names, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and their duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Violations Cited : Failure to Correct Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Experian did not conduct a proper reinvestigation and failed to delete outdated, incorrect names upon request.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The continued reporting of incorrect personal information affects my ability to receive fair and accurate credit decisions. 
Willful Noncompliance ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Experians refusal to remove the disputed data shows intentional negligence and noncompliance with federal law.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I was a loyal customer of Wells Fargo banking for 4 years. 
I was also a victim of unauthorized credit cards, opened account & funds stolen from my accounts. 
Ive had so many financial setbacks due to the banks actions to steal my hard earned money & valuable personal information. 
I can not even obtain a checking account from any financial institutions because of the impact Wells Fargo has left on my credit report. 
I wouldve never imagined of becoming a victim of bank fraud & stolen funds! 
I dont think theres a way to repair the Damage mentally or financially!
Product: Payday loan, title loan, or personal loan

This company has come to my work and discussed my loan in front of the other employees at my work place They have called my work place and asked if I have discussed my business with my employee I have tried to make a payment and they refused because it was not the full amount I have discussed a complaint with their District manager and still continue to contact my place of employment and not just to have me call Its an everyday thing so there are not dates just to give
Product: Credit reporting or other personal consumer reports

Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.
Product: Credit reporting or other personal consumer reports

I am writing to officially contest several hard inquiries that have recently appeared on my credit report, as provided by your agency. Upon careful examination of my credit history, I have identified specific hard inquiries that I believe are inaccurate and request their prompt removal.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX USC XXXX ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX USC XXXX ( Section 805 ( c ) ). 
Harassment under XXXX USC XXXX ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX U.S. CXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the three credit reporting bureaus to investigate 5 accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single one of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XXXX/XXXX/2022 and XXXX/XXXX/2022, I sent dispute notices to the following Credit Bureau 's ( XXXX XXXX, Experian, and XXXX ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed