23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I responded to a XXXX ad where " XXXX '' said that an apartment was available, and after showing it to me ( XX/XX/XXXX ), said that she'd hold it for me ( it was XXXX, and I couldn't move in until XXXX ). So I sent her {$1800.00} through Zelle ( XX/XX/XXXX ), and it turns out, she was not the owner or anyone authorized to rent the apartment, and, after I found out I'd been scammed, requested the money back ( XX/XX/XXXX ). She then claimed that she would return the money, gave me a " confirmation number '' ( # XXXX ), and said that it would take " up to 10 business days '' for the transfer to go through. I never received any money back, and she stopped responding to me after that day. 

There is a whole website dedicated to her, and the people she has scammed. ( https : //www.annebergstedt.net/ ) I then went to the Zell website, and they suggested that I contact my Credit Union. I contacted them via chat ( XX/XX/XXXX ) and told them what happened, which included my sending them the details of the police report that I'd filed against her. They said that there was a good chance that I'd get my money back. 

On XXXX received this response : " We have concluded our investigation into your claim disputing the transaction ( s ) totaling $ XXXX XX/XX/XXXX. We determined the transaction ( s ) is valid. Therefore, the transaction ( s ) can not be disputed and your claim is now closed. '' I responded to my credit union as to how it could've been valid, and they said that they could not give me any more information.
Product: Credit card or prepaid card

I closed my credit card account on XX/XX/XXXX. In this card, i had XXXX $ of cash rewards. Today i checked my cash rewards balance to claim that money and i've seen that the money expired on XX/XX/XXXX with a note " ADVERSE CONDITION EXPIRATION '' I called the bank and they said there's nothing i can do about it because it expires in 3 months after i close the account. I told them i did not know it and not warned before and they said it was written on the web page that i closed the account. 

I did not see that warning and probably it was something hard to see. Also, i did not get any email that warned me about my rewards that are about to expire. It was a money i earned and they basically stole it like this. I've read many legal cases and i'm pretty sure judge will be on my side as this kind of a forfeiture should be with explicit consent and making customer select a button or checkbox with a clear warning and follow up reminders. Because it's a bold action to grab a customer 's XXXX dollars worth of money just like this. 

I'd like to ask for your help to correct this unfair situation that i'm victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I wrote to your company indicating my dispute of information in my credit report. XXXX has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please report the payment status positive and update the late from reporting on this account. 

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

I have made many many complaints to CFPB on Discover for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully Discover will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( car loan, credit card and hard inquires are listed below ), 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account info Account number XXXX Account status Closed Date opened XX/XX/2019 Account type XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only XXXX XXXX  Account info Account number XXXX Status Charge-off Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number ( XXXX ) XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX there are XXXX of these reporting on my credit report XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number ( XXXX ) XXXX there XXXX of these reporting on my credit report XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number XXXX XXXX ) XXXX there XXXX of these reporting on my credit report XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number XXXX XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX XXXX XXXX there are XXXX of these reporting on my credit report XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX natural person and consumer. I a writing this with no outside influence from a third party. Please review the attach documents to see the issue.
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 {$4700.00}, {$9100.00}. 
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 -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account.
Product: Debt collection

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted NCB, and XXXX XXXX are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the XXXX  had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all 3 credit agencies ( Equifax, XXXX and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during COVID. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( XXXX XXXX ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the three agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from XXXX XXXX and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with XXXX XXXX but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.
Product: Credit reporting or other personal consumer reports

This credit card is reporting inaccurately. 

XXXX says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

Transunion reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

XXXX is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

XXXX shows that the account was 120 pays due in XXXX of XXXX  but also shows a payment of {$220.00} on XXXX XXXX. 

XXXX shows a payment of {$220.00} being made on XX/XX/2023 and Transunion does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) XXXX- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX- Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX XXXX # 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 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I filed disputes with chime bank on two separate occasions and also with XXXX for some of the same charges. Chimes disputes came back in less then two days and denied all of them. XXXX had theres come back in two weeks and found most charges to be unauthorized / fraudulent companies and the companies even agreed to issue refunds. I also had a return from XXXX and was told it would be two day and back in my account. I have emails showing I messaged XXXX on XX/XX/XXXX and asked when the funds would be in and was told it would be two days. I checked my account yesterday which was XX/XX/XXXX and it shows the funds were returned XX/XX/XXXX yet I never received any money on that day and I have proof I was messaging on the XXXX about missing funds and spoke with chime on XXXX and they agreed they werent refunded. I called back last night and the lady said they were refunded wand also XXXX says they were refunded but I never received anything. Chime only states they cant do anything bc they can only see so much on there end. The fraudulent charges were online casinos in accounts that werent even in my name for over XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 52. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 53. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 58. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 59. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Fraud since 2022. I have provided XXXX XXXX XXXX XXXX XXXX XXXX  and Chex Systems with a police report, identity theft affidavit, 2 personal affidavits, statements and correspondence from all financial institutions showing that this has been an ongoing issue and most of them after realizing it was indeed fraud they emailed me and had claims approved. All documents were sent by mail as a certified letter. The 2 companies have also been emailed these documents as well. XXXX and Chex Systems have failed to uphold any rights I have as a consumer even when faced with proof. They have not removed any of this info. This information continues to negatively affect my credit which affects my financial well being. This has been catastrophic and has led me to pay thousands of dollars to clear my name in court and most of all doing credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to get my annual credit reports from XXXX, XXXX and TransUnion. I did receive the XXXX and the XXXX reports. When at the final stage of processing the TransUnion report, the TransUnion system said there was a temporary error on their end. I then proceeded to call TransUnion and also to go to my account login. I have been unsuccessful in both of those attempts. When I login into my account, I immediately receive a message that TransUnion is experiencing a temporary difficulty on their end. I have spent many hours since XX/XX/XXXX trying to access the account and have contacted TransUnion numerous times. I had also on the initial call to request a copy of my annual credit report by mail. I have still not received it. Since I had previously had a fraudulent purchase through XXXX that required the issuance of a new card, it is most important to be able to check my report and information on the TransUnion site. I am trying to resolve this issue and am reaching out to the cfpb.
Product: Debt collection

XX/XX/2016 I had a bill due with progressive insurance which was turned over to collection company i settled with the company for {$240.00} the balance was {$300.00}. This collection reports on my credit report every month even though I paid it in 2016. I have been trying to get this removes from credit but have only been told because I did not pay the full balance it will be there for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations
Product: Credit card or prepaid card

I bought items on XXXX and paid {$13.00} via XXXX. I charged this to my XXXX Visa credit card. When I received my Visa bill, there was a fee I paid XXXX of 1 % for Foreign Transfer Fee. I called XXXX and asked what is was for. They said that it was Foreign Transaction fee. I asked them who got the {$0.00} fee and they admitted that they did. So they got the money. They said the charges came through XXXX XXXX. 

The Vendor I bought it from shows on XXXX to be in Kentucky. The first stop for the package was ( XXXX ) " XX/XX/2018 Origin Scan XXXX XXXX , OH '' and I got the package on XX/XX/XXXX in XXXX ( Fl ). As far as I can see the item was in the US ; the company was in the US, I am in the US, XXXX is in the US, and XXXX is in the US. I think this is a bogus charge and clearly I never authorized it nor was I ever informed of it. 

XXXX Credit Card Issued by XXXX XXXX XXXX XXXX Cardmember Services XXXX XXXX XXXX XXXX XXXX Mo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Address XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.