23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I recently applied for a refinancing of my mortgage loan. After my loan officer pulled my credit report and I checked it out, I found out that XXXX credit lines do not belong to me. 
They belong to my ex-husband whom I divorced in 2008. I have absolutely nothing to do with those loans and this is clearly a mistake made by the reporting agency. 
Equifax reported the incorrect info, even my ex 's name was on the report instead of my name. When I called their customer service, the person on the phone did n't even care. I told her that they are giving me someone else 's personal info and she was like 'yeaahh '. Also she told me that this my responsibility to prove that these are not my loans even though it was them who made a mistake.
Product: Credit card or prepaid card

Fraudulent charge made by XXXX XXXX XXXX Tel XXXX on XX/XX/2018 for total of {$2400.00}. Submitted claim to Wells Fargo. They did not initiate a fraud investigation. They did not refund the card for the amount. The bank is taking no responsibility, even though it has a chip and I have the card and it could not have bee used at the store. Bank says to talk to merchant. Merchant says to talk to bank, and customer gets XXXX in the process!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion All XXXX XXXX, 2023. 
Multiple times i have frozen my accounts and even signed up for extra protection under XXXX. Multiple times a hacker has been able to unfreeze both of these accts and change my email to an outlook email. Over and over again, after i have changed my password and even userid. This truly feels like it is somebody from their own institution. They won't research the email that is given. Which would tell them immediatley who it is they are dealing with. 
I had 11 inquires in early XXXX and all were trying to open personal loans. I even got a atm card in the mail saying i opened an online bank acct with a XXXX balance... 
I asked for extra security to be put on my acct and asked for supervisor help XXXX2023, they let me sit on the phone for 1.25 hours and then sent me to a survrey of how well they did, without ever getting me to a supervisor. This was XXXX. 
Transunion just keeps letting them in and changing my email and un freezing also. 
If this stuff cant be fixed, we are all in big trouble. 

Please help, XXXX
Product: Credit card or prepaid card

Over the last few months, I noticed the amount due on the company website is different from the XXXX generated statement, this would be like what a person would receive in the mail. I started taking screenshots just in case there was an issue. In XXXX, I neglected to take a screen shot, which was unfortunate for me, because then interest was charged, even though I paid the full amount as shown on the website. In XXXX, I did take a screen shot and it shows {$4600.00} is due and was paid in full. My XXXX statement showed {$4700.00} and now I am being billed interest. Even at these large amounts, I can afford to pay my credit card in full each month. So, obviously, if I can afford to pay {$4600.00} I can afford to pay {$4700.00}. There is something seriously wrong. I have been a Citibank customer since 2015. I can tell you over the last six months, something is different there. They revamped the payment screen and ever since then, the problems have begum. It is so subtle. That is what concerns me. How many people do not pay close attention, and are getting charged a little bit of interest here and there?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Transunion to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), XXXX continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. I am writing specifically about the XXXX XXXX collection on my credit report and XXXX XXXX. XXXX and XXXX are collection companies and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. Moreover, XXXX continues to use " XXXX '' and refuses to do perform a proper investigation. TU continues to ignore the incorrect information s I've sent letters to XXXX and they have failed to validate the debt. The account is reporting and listing " a past due '' and collection accounts can not report payments or list " past due amounts on credit reports ''. Listing a past due is a violation of FCRA - and listing a past due on a collection denotes payment history ; thus, how can a collection be past due? It either has a balance or it has no balance ( it can not be also past due ). Further, the account is listing terms - how can a collection account list terms? I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. According to XXXX versus TU - the burden of proof is on the CRA and simply calling something verified is not proper FCRA investigation. Sincerely, XXXX XXXX
Product: Checking or savings account

In XX/XX/2022 I closed my checking account at CitizensBank. I went into a branch and spoke with the teller on how I was leaving Citizens. She cleared out my account and handed me my money, and told me that my account was now closed. I did my due diligence by checking my online banking, and the account disappeared out of my app. I actually kept the app on my phone for periodically checking, and the account was gone without a trace. Months later I received a call from CitizensBank stating that I was - {$350.00}. I was confused because I closed the account with a teller in person. She told me I had a charge go through so the account had opened back up and then the overdraft fees piled up. I told her that I was refusing to pay because I closed out my account and she said she would get it figured out. Ive asked in the meantime, if they would report to credit because we are going for a construction loan and she promised me they would only report to XXXX at the most. I never heard back from anyone until I just received a collections notice from a law office. I am very frustrated because I did all I could to have my account closed and there was no reason that should have been opened up again. Never mind being reported to be collections agency after she told me that it would not be sent to my credit report. 


I have read article - Consumer Financial Protection Circular XXXX  Reopening deposit accounts that consumers previously closed -And believe this is exactly what happened to me. Please help if possible. Thank you so much.
Product: Debt collection

I had a Corporate American Express card from my employer, XXXX XXXX XXXX. I had closed the account when I left the employer on XXXX, XXXX, 2015. The account was closed but there was a charge that got posted on my account on XXXX XXXX, 2015. There was no correspondence about that charge on my account either via email or mail. On XXXX XXXX, the account was sent to a debt collection agency. Even though, I have XXXX other cards with all information updated, the company never bothered to reach me. Additionally, I was receiving email statement, but the company never bothered to send me a statement. I would like to company in significantly improve their practices on Corporate Credit Card and practice of sending it to debt collection agency WITHOUT TRYING to REACH customer. Moreover, they added {$190.00} of late fees. This is totally out of line, given I never got any correspondence of outstanding balance!!
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get Chase/XXXX  XXXX Card Services to remove an old account that that has surpassed the 7 year reporting period for negative/delinquent account, yet it is still being reported because of incorrect information being reported by Chase/XXXX XXXX. 

I have Chase and well as contacted the Credit Reporting Agencies, but the no avail.
Product: Credit reporting

Equifax has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I have sent three rounds of letters for Equifax to send me a copy of my credit report and to fix my personal information immediately. They are reporting the wrong birthdate and social which is causing me not to be able to get a credit report from them, nor any financial requests from my credit union because they pull from equifax. I have sent multiple letters, I have called, I have sent multiple copies of my ID, social security card, and my bank statement, and they keep on sending me letters back saying to send the items that I have already sent numourous times. They need to ensure that all my personal information is corrected. My birthday should be XX/XX/XXXX ( they have it as XXXX ) and my social should be corrected.
Product: Credit card or prepaid card

In the late evening of XX/XX/XXXX at around XXXX I discovered someone had been withdrawing sums of {$1000.00} from my EDD prepaid Bank of America debit card, for three days in a row. Amounting in a total of {$3000.00}. When I saw the fraud posted on my account I immediately called the Bank of America card services to stop the card and send a replacement. The lady who helped me mentioned the person who has been withdrawing money has been doing it at my local branches ATM. The BofA on XXXX and XXXX XXXX That is also the only location I used, I withdrew money with my ATM card on XX/XX/XXXX in the afternoon. I think they did it there to not cause any fraud flags on my account. I did not authorize these transaction nor do i know who did them. I have started a claim ( Claim : # ************** ) with Bank of America Prepaid EDD card services and have filed a police report DR NUMBER : ************. 

Today I received a disheartening letter dated XX/XX/XXXX that Bank of America has closed my claim. Without including any information or reason why. The letter was sent before I had done any of the paperwork, they said they would send, and the letter was sent before I had faxed the police report. I faxed the police report XX/XX/XXXX XXXX. I am faxing a letter to Bank of America Claims Department to request they reopen my claim.

Currently I am locked out of my EDD Bank of America account and can't access my remaining balance or the money being deposited by the EDD. Bank of America said to call EDD, I called EDD they said to call Bank of America. Bank of America said wait 6-10 days, that EDD has to verify my identity. I have been waiting and have called an additional time, I changed my cell phone number in XXXX and wanted to make sure they had the up to date information. 
My soul hurts and it feels like a woke up in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVERBANK XXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to MOHELA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * There is a considerable disparity {$530.00} in what XXXX XXXX and MOHELA claim I owe. My actual debt confirmed by MOHELA is {$10000.00} so the amount XXXX has on their site needs to be updated to reflect present day.
Product: Credit card or prepaid card

Tried multiply times trying to link my bank to credit card company
Product: Credit reporting or other personal consumer reports

I received an alert that a new account was opened in my name. I have not opened any new accounts. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my right. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax has n't updated my credit report and is reporting over XXXX unauthorized inquiries that is damaging my credit score. 
Also, Equifax is not reporting correctly my Monthly VA Mortgage of {$1700.00} payments since my VA Loan was modified on XXXX XXXX. 
I respectfully do n't want to display my Bankruptcy chapter XXXX to the public or potential creditors. I am on XXXX and Retired. 
I should be accommendated according to Department of Justice XXXX XXXX Act of Congress of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My friend sent a transfer to my email and Zelle canceled/closed my entire account and reported as fraud. My friend and I called and advised them it was fraud and they still closed my account.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent information on my credit report and I've contacted them and advised them of this and they have failed to resolve this issues. My federal protected consumer rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX rewards card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX XXXX in the small courts claim where I have all proof to show XXXX XXXX is breaking FCRA laws. I have been with XXXXXXXX XXXX since XXXX that is 12 years! and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Debt collection

Message left on my phone regarding a debt owed by someone else. 
I have had this same number 15 years!!! 
Last call was XX/XX/2020 There are numerous complaints against this company for attempting to scam people out of money by making fraudulent debt claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681 accounts XXXX & XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy.
Product: Debt collection

They have called before XXXX. I have asked them to stop previously, but there is no respect for my personal time. Although my cellphone number has a GA area code, my address has always been in AZ and they should have never been confused about calling before XXXX XXXX. This is not okay. I have made arrangements to make a payment yet I am still harassed and not within appropriate hours. So hurtful to my relationship with this company
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. 




TransUnion Name ; XXXX XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX ADDRESS : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date U Name : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to fullfill its legal obligation under the fair credit reporting act ( FCRA ) to do a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian alleging systematic issues such as failing to forward consumer -provided evidence tofurnishes, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has not corrected or removed my disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammendment of the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.