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

On XX/XX/2023, I recieved a money transfer of XXXX from a business client because I have a clothing brand, with investors. I met this man online, and he came over to take me to dinner. While I was in the shower, he took my debit cards, and my phone and on my phone, I have my personal information on there, passwords, and basically everything I need. My banks are on there, and banking information. He transferred the money to his Chime account, which I didnt understand how Chime allowed it to happen. Firstly, I got in contact with the police before I even got in contact with my bank since my cousin is a Police Officer. After, I got a lawyer, and he has every document involving this situation. I then contacted Chime a couple days later, and when I called, they helped me change my account information. Then I attempted to file for a dispute, only to find out, he tried to get money back, so he already filed a dispute so I had to file a rebuttal. Mind you, to file a dispute, you have to call Chime so I dont understand how this got pass them since he has a male voice. My other banks, red flag voices. But, they denied my rebuttals, although this clearly shows none of these transactions were mine. I have a good standing with Chime, and nothing like this has ever happened on my account. Another thing is, I havent sent over any documents to Chime because my lawyer hasnt allowed me to yet, and I made sure Chime knew I was so before denying a rebuttal, I believe they would have to look at everything first. I believe this dispute is being wrongfully denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to DiTech Financial asking for proof of a late payment that they were reporting to all 3 credit bureaus. As of that date I have not received correspondence and they are still reporting a late payment on my credit report for XX/XX/XXXX. Furthermore, I have been advised that DiTech Financial is no longer in business and there is no one there to take my request to investigate this matter. I would like for the late payment to be removed from my account for all three Credit Bureaus indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

ComenityBank/XXXX, was a credit card taken out fraudulently by my ex wife in my name. In spite of me reporting this fact to them on at least 6 occasions and me disputing the account with the credit reporting agency 's, this account, including late payments, is still showing up on my report and causing substantial damage to my credit score. Bottom line, this company is completely fraudulent and obviously has no intentions of addressing issues such as mine.
Product: Mortgage

I filed a complaint against XXXX and you closed it based on their response. I dont accept this because they havent addressed the actual problem. Theyre trying to get away with not taking care of it. My loan is with XXXX and they have XXXX taking care of payments for them. XXXX is ultimately responsible for my problem. XXXX says theyre not responsible for my payments to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My payments are not made to or by XXXX for my loan. They come directly out of my bank account. When someone reports you delinquent as theyve done through XXXX, it goes on your credit report. This then goes to all the companies, Credit Card, Credit Reporting Agencies etc. This is a general problem that has to do with my entire rating and image of me being a bad debtor and its a very serious problem for me. I reported this problem to the XXXX and XXXX didnt replay until I filed XXXX complaints. I just received their response and they say theyre looking into it and will get back to me. Now theyre saying theyre not responsible. Which one is it? Of course theyre responsible and I dont accept the fact that theyre making excuses to you to get out of their responsibility. Im asking you to pls. look into this and investigate because againthis is a very serious matter and theyve hurt me in a monumental way. Their response is so flippant and condescending. Theyre basically mocking me which hurts me even more. I would appreciate it if you can please ask them for any evidence that would prove theyre in the wrong, lying and trying to take responsibility. Thats whats happening and Im paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/23 I paid my fortiva XXXX XXXX credit card bill 3 days before it was due by checking account. The company ignored the payment even after giving me proof of payment confirmation They then made me pay it again after they marked it as late intentionally when I paid it XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to clean my credit account with the XXXX major credit bureaus. I filed disputes with XXXX XXXX XXXX XXXX Equifax XXXX and XXXX XXXX XXXX. 

XXXX : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

Equifax : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period. 

XXXX  : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period.
Product: Checking or savings account

After doing research and speaking with colleagues, I decided to open an account with UBS Bank USA. I am aware they are a wealth management entity, but they advertise a product called RMA ( Resource Management Account ), with a fee of {$170.00} per year which can be waved in a number of ways. This seems to be their equivalent of bank management, together with investments, if the client so chooses. They do not require a minimum deposit to open. However, it seems the only way to open an account is in person, through one of their Financial Advisors in person. After contacting my local offices, each office was very shady and each office set their own rules, minimum deposits and conditions. One office was finally able to confirm the account fees and how to wave them ( the omitted the direct deposit option, which exists ), but then stated nobody was available to assist me with opening an account. This was the email : " Thank you for your interest in an Resource Management Account. Our primary services are investment management. Banking services are a compliment. The annual RMA account fee is {$170.00}. Waivers are provided to those who keep a balance of XXXX XXXX, make a deposit of {$250000.00}, or have the Infinite Visa card ( {$490.00} annual fee ). 

Please let me know if you have any additional questions. '' It seems this bank employs shady tactics similar how car dealers operate, and each branch seems to be acting in their own arbitrary way.
Product: Checking or savings account

On XX/XX/XXXX our accounts were closed out for my minor daughter student joint account and saving because of some kind of electronic check deposit into her savings account. I called Bof A over 12+ time to indicated was fraud we have no knowledge of what check and wanted to get more info and see how they were going to assist us as the victims but they treated us like complete criminals. Bank of America gave me the runaround for several days including today. final i was able to file a fraud case with Bof A and the case # XXXX was closed out the same day with no resolution. i file other complaints with Bof A with no resolution as well. XXXX and XXXX. no response at all i even went in to the branch to indicate i filed a police report and did some research etc. they didn't care indicating we can open another acct until XXXX. 

I filed a police report because BofA sent a Copy of the check that went into the acct. the check did not come to us we did not physically receive it and it went into her account fraudulently, electronically and electronically signed the signature is not her she is a minor she does not have access to that kind of money $ XXXX, and the money does not belong to us. and Bank of America refuses to help me and all they do is just keep transferring me around I get different stories from everybody every time I call. this doesn't make any sense this affected her direct deposit from her job XXXX 's where she makes under {$300.00} cuz she's a student and then we had to wait several days and figure out how to pay ck cash her check. None of my calls are documented and each representative gives me a different story they are handling fraud cases like they're just there to collect a paycheck and not do any work on fraud. 

my police report # is XXXX, they took copies of the docs from Boa A, on XX/XX/XXXX. XXXX XXXX XXXX XXXX the XXXX police dept # XXXX XXXX  XXXX, fax XXXX email XXXX. 

FDIC regarding your banking concerns on XX/XX/XXXX. Your case number is : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
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 XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

I have already disputed these items, but the bureaus did not remove them, nor prove validation.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Profit Services Group {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and experian credit reporting agency and provided all the information they requested. Experian removed the XXXX account but last year it was put back on my credit report and they are refusing to remove.
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. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX Equifax Employers : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2XXXX XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.