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

XXXX - Id theft and account takeover of USBank XXXX card + other cards/accounts. This dispute is regarding the US Bank XXXX card. I had an original owed balance of {$1900.00}. After the fraud the balance went up to {$7300.00}. 

XXXX - I created FTC Id theft report # XXXX, filed a police report with the city of XXXX, Oregon, reported fraudulent activity to USBank, sent police report & affidavits to US Bank upon their request XXXX - US Bank flagged my account as fraudulent but did not remove {$5700.00} in fraudulent charges. Upon my phone call USBank said the case was " resolved '' but it still posted the {$5700.00} as owed by me. US Bank reinstated the monthly auto withdrawal of {$480.00} on my personal checking to pay the {$5700.00} which I didn't owe ( + original {$1900.00} ). 

XXXX - XXXX Several phone attempts by me to have USBank stop the auto withdrawal of my personal checking account. The account was flagged so customer service couldn't get in to stop the auto-withdraw and they would send me to Fraud Dept . The Fraud Dept would say they don't have anything to do with billing and I needed to talk to Customer Service. I tried to log in to USBank but the account was locked. Tech support at USBank couldn't do anything because the account was flagged as fraudulent. 

At their request I sent ANOTHER copy of police report, affidavits and all my notes, evidence. 

I ended up having a " stop payment '' put on the by my bank, XXXX XXXX XXXX XXXX, but not before they collected several months of {$480.00} payments ( an on amount due which was fraudulent ) XXXX - XXXX - In dispute with USBank regarding amount due. Once I stopped sending them money, they started looking at my account again to resolve it. In XXXX I received letter that the {$5700.00} was credited to my account. I was still disputing {$650.00} in charges due to them withdrawing money from my checking as well as other smaller fees incurred by me canceling the auto-debit at my XXXX XXXX XXXX 

XX/XX/XXXX - Spoke with XXXX - a USBANK supervisor in Customer Service who handles Fraud and he escalated me to the Operations Manager. I told him I am happy to pay on the original {$1900.00} that I owed and nothing more. He said USBank would begin billing me and we both agreed to use regular mail to circumvent all the previously stated issues. 

XX/XX/XXXX - I received a letter from XXXX XXXX Debt Collection representing USBANK! I never received any communication from USBank after my conversation with them XX/XX/2021. I did not know my account was being sent to collections! 

So, with XXXX I agreed to start monthly payments of {$150.00}. That account is running and is current. I did NOT know this would be called a " charge off '' and I did not know how negatively it would affect my credit report. 

FTC IDENTITY REPORT # XXXX XXXX XXXX I HAVE APPROX XXXX PAGES OF NOTES, RECORDS, POLICE REPORT, AFFIDAVITS, BILLS & COMMUNICATIONS FROM USBANK AND OTHER CREDIT CARD COMPANIES INVOLVED IN THIS CASE.
Product: Credit reporting or other personal consumer reports

Equifax has failed to protect my credit profile from inaccuracies, and reoccurrences. Efforts to provide protection screenings, and investigation, from fraud. My credit report has a freeze as a result. Theres been names, addresses, collection agencies that Im not associated with that I had removed, is reporting again.
Product: Debt collection

XXXX XXXX Ceo of PROFESSIONAL DEBT MEDIATION INC. sent out mailing stating that i owe a debt to him in which we have never contracted and not sure how he even has my information. This is in direct offense to my consumer rights and I am seeking remedy for such offenses.
Product: Credit reporting or other personal consumer reports

At XXXXXXXX XXXX XXXXXXXX on XX/XX/year> I was trying to create an Experian account to dispute items on my account due to identity theft. A messsage came up on the screen saying they had an irrevocable error. Not being access my credit report to dispute it is a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an old bill for XXXX XXXX XXXX MD in XXXX, XXXX. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXXXXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Although my credit history is virtually perfect, I have been turned down from opening 5 year Certficates of Deposit at 2 or 3 banks within the past year due to a report that is unavailable to me. It appears to only be an inquiry from a bank with which I have never done business and is on my credit history with XXXX XXXX : Inquirer : TEXAS CAPITAL BANK ; XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/year> The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. 
Enclosed are the application copy, and adverse action notice copy provided by the source. 
Enclosed is a copy of the consumer disclosure report, which was created by using the identifiers provided to us.able to me at XXXX XXXX. 

The above is the ONLY thing I see on this report - a simple inquiry. I have a credit freeze on my credit files, but the XXXX XXXX report does not give any explanation of why this comment apprently from Texas Capital was negative. There is no reason stated in the XXXX XXXX report. Their employees are totally useless as when I ask, as they simply send me the same report copy saying it was only an inquiry. I have called that bank but never received any response after leaving messages. The email address on XXXX XXXX does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX  XXXX {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account US BANK XXXXXXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

There has been a bankruptcy disclosed on my credit report, that should not be there, this took place in XX/XX/2021. After some phone call inquires, credit bureaus did state I would have to appeal before removing the bankruptcy. To my understanding it is not to br reported.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX  XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$710.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I had opened an account with Venmo. I have added money to the account with my debit card. I have paid bills with the account. I opened a XXXX  account for my daughter With that, they had to release the previous phone number so that way, she could use her phone number with venmo. I then requested.They released my son 's phone number because it was linked to someone else 's account and it's a new phone number. Fast forward a few days later, my daughter have downloaded the app to another phone.Reset her password and I was trying to send her money and it was being declined. Next thing I knew XXXX minutes later. I get an email that her account is suspended and mine is frozen. As submitted the documents they wanted, even though I don't understand how that's helpful because I'm allowed to change my password, so is my child, I don't understand how that goes against their policies? I got a response to the ticket about releasing the phone number.That 's linked to my son 's teen account, and they inform me that they are permanently suspending my account and holding my money for 180 days. When I called, they informed me that I do not have a say so in the matter and that this is permanent and they will not talk to me anymore. That they dont have comply with federal regulations. 
They are holding XXXX XXXX XXXX XXXX XXXX, causing severe emotional and financial harm. Because that is all the money that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number ( XXXX ) XXXX XXXX, account number ( XXXX ) has violated my rights 15 U. S. C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

This is in regard to complain ID XXXX submitted on XX/XX/XXXX : " I refinanced my loan with XXXX for {$310000.00} dollars on XX/XX/XXXX. The loan amount owed at the time was {$290000.00}. I overestimated because I had been making excess payments on the loan at that time. My account balance shows- {$15000.00}, and has since XX/XX/XXXX. However, there are loans due ( according to statements ) totaling approximately {$48000.00} that I am delinquent on. There should not be any loans due as I completely refinanced the loans. I should be owed {$15000.00}. It has been 5 months and still not a peep. I have spent many hours on the phone with Mohela to no avail. They are supposedly going to send me pre-Mohela and Mohela financial transaction records. For some reason they are unable to have any accounting history of these records, which is odd, considering the large nature of these financial transactions. I spoke to a representative today that escalated the call. They are now supposedly going to look at the loans as they should have been included in the refinance. My concern was that these loans, that shouldn't exist, would just be added to my refinanced loans. She said I just had to wait and trust that Mohela would due the right thing. I told her I did not. After 2 hours of patiently and politely waiting on the phone for them to figure things out, she hung up on me. '' I was told that the US treasury had a 3 month window from when the information was sent from Mohela to the US treasury to return this overpayment of approximately {$15000.00} made on XX/XX/XXXX. It is now XX/XX/XXXX and they have still not returned the overpayment. Also, never so much as an apology for the attempted overcharge of {$48000.00} that has cost many hours of my life in dealing with this issue. I have serious doubts that I will ever be refunded for the overpayment. I will take this matter to court if the overpayment is not refunded promptly.
Product: Vehicle loan or lease

The fraudulent account is not mine, I am not liable for the account. It is fraudulent and unauthorized and should be removed from my credit report. 

This has been filed with the Police department as well as the FTC.
Product: Other financial service

Western Union send a XXXX form for the year 2015, claiming that I had work for them that year and they paid me {$1500.00} but that never happened, they report that income to the IRS, this is a fake income because I never received any income from this company in the year 2015. 
I can not file my taxes until they clean this fake information up in writing.I had send them a certify letter to ask them to fix their mistake, but they never answer me back.
Product: Student loan

I graduated from XXXX XXXX 2015 Navient was after me the entire time for payments while i was a student im sure the interest was piling up ... .i contacted them sent in payment stubs and gave my info to get on the income driven repayment plan ... .they said it would be {$0.00} but said if anything change let them know ... .they still sent emails to me saying payments were due even though i was suppose to be on this plan ... .now im in default and i was suppose to be on that plan ... .i did what they ask now i cant qualify for any grants because of this default and i want to return to school ... .i thought as long as you were a student you didnt have to make student loan payments ... .what do i do i got a lot of emails from them with all kinds of different payment amounts that were due ... .i tried attaching them but no luck give me an address and i will happily print them out and mail them or fax them in
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested that Experian and XXXX review the account from XXXX XXXX the account on my credit report was reviewed and updated from Experian, Experian and XXXX show two different payment history on the accounts, I want these accounts removed, according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). this account is't promoting accuracy and fairness because it's reporting wrong and conflicting information from both credit agencies, I do intent to sue if this isn't removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a collection account. The account is listed on my TransUnion, XXXX, and XXXX credit reports as XXXX. 

I've already asked TransUnion, XXXX, and XXXX to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : TransUnion : XXXX XXXX : XXXX XXXX : XXXX Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX XXXX : Not Listed XXXX : Not XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} Also, please note the 7 year history in the attachment. TransUnion and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while XXXX is reporting XXXX 30 day late and XXXX 60 day late. TransUnion is reporting ZERO 90 day late payments while XXXX is reporting XXXX and XXXX is reporting XXXX! 

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, TransUnion, XXXX, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX Card account removed from my XXXX credit report, TransUnion credit report, and XXXX credit report immediately, per FCRA regulations.
Product: Credit reporting or other personal consumer reports

Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX  I tried everything to get them to stop charging my card
Product: Credit reporting or other personal consumer reports

I am formally dispute inaccurate information that appears on my credit report regarding certain accounts that have been erroneously marked as late payments. After conducting a thorough review of my financial records and payment history, I have confirmed that these payments were made on time and should not have been reported as late. 

The incorrect reporting of these accounts has had a negative impact on my FICO Score, which can affect my ability to secure credit, loans, or favorable interest rates. As a consumer, I have the right to ensure that my credit report is accurate and reflects my true financial responsibility. Under U.S. law ( 15 U.S.C. 1666b ), which governs the reporting of late payments, I am entitled to a fair and thorough investigation of any disputed information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. 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: Checking or savings account

My wallet and bag were stolen the end of XXXX. I called and canceled and reordered my cards and bought a new phone and decided to also get a new phone number. I called Chime, who I do banking with, to update my number so I could gain access to my account via the Chime App. They said the new number was associated with another Chime account so they needed proof it was my number now and requested I send an email with my phone bill, ID, and a selfie holding a piece of paper with the date on it. I did as they requested, multiple times because I am XXXX and had a hard time submitting the info correctly. I received my new debit card in the mail and called to activate it because my phone number still hadn't been updated. The customer service rep informed me that my funds ( I get a deposit on the XXXX of every month ) had been transfered to my Chime XXXX XXXX card, which I had never even used. I then ordered a new Chime XXXX XXXX Credit Card and was told it would arrive in a few days. I was still waiting for my approval from my identity verification to update my phone number and gain access to my account when I received an email on XX/XX/XXXX stating they were canceling the delivery of my card, followed by an email notifying me that Chime had decided to terminate its relationship with me, that my account had been closed, and that any funds in my account were non refundable. I called to inquire as to why this was happening and my calls wouldn't even go through, I had to go use a friends phone to even get someone on the line. Each call would either get dropped, I would get hung up on, or out of no where the static would become so bad i couldn't make out what they were saying. I called 8 times, each time every rep went in circles for the short time I had them on the phone. My deposit is being held and my account closed for absolutely no reason whatsoever, and with no explanation at all. It's the holidays, I have bills, and am about to be kicked out of where I live because I can not pay my rent because Chime is keeping my money. Please help me