23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On or about XX/XX/2022, i filied a dispute regarding atm unauthorized transactions, that I wasnt aware of, doing the the time of the transaction, i was quarantine cause I was expose to XXXX, so I wasnt aware of these transactions been done, till i log in my online Acct, and notice the Atm Transaction, that I never Consent of them nor did I did them, they were unauthorized atm transactions that i wasnt aware, I wasnt aware of my card been missing til i was gone use it, thats when i notice it was missing, my only mistake was that i wrote the pin in very small numbers behind my card, my card another item were missing, the thing is that im not sure were did i lose them, cause i was sick XXXX weeks til i notice atm transaction on my acct that i wasnt aware, i try explaining it to XXXX XXXX XXXXXXXX prepaid..
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX mailed in a check for {$16000.00} to payoff my Comenity/BJs Mastercard. Comenity cashed the check on XX/XX/XXXX. The {$16000.00} was never applied to my account. I sent in 2 seperate disputes with no resolve. XX/XX/XXXX, all Comenity/BJs Mastercard accounts were transferred to XXXX XXXX. XXXX XXXX has no record of any of my disputes and I can not get in contact with anyone at Comenity to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Filed a fraudulent charge claim with my bank, Fifth Third Bank. A transaction that wasn't initiated by me or my wife occurred on XX/XX/XXXX via a debit card transaction in the amount of {$550.00}. 
The charge was a XXXX XXXX in XXXX XXXXXXXX XXXX ( we live in XXXX  ). 

Once I noticed the pending withdrawal, I contacted 53 bank. opened up a dispute. during the conversation i did state that I don't even recall receiving a debit card for this checking account. Told 53 bank this was not a charge initiated by myself or my wife.

Funds reversed during investigation. 

Received letter in early XXXX that my dispute was declined. I called them to inquire as to why -- - they stated that they have evidence of a debit card being activated by my wife back in XXXX. Which I'm sure is true but I didn't remember that fact. Well, because of that statement they denied the fraudulent dispute charge. 

I told them that I don't recall activating the debit card and we never used it for any purchases ( checking account is used to pay bills for a property ), and asked for dispute to be re-opened. 

They re-opened the dispute but a few days later received notification that my dispute was declined again. 

I called XXXX XXXX to request a reversal of charges. They mentioned to me a name of a person who we do not know -- -- that individual reserved a room at the XXXX XXXX but never showed up. So the charge was for a no show room reservation charge. Despite my plea that we had nothing to do with this reservation, or that we don't know the person that reserved the room, and that we were nowhere near Texas at any time -- - XXXX XXXX also declined to reverse the charge. 

Please assist us. We are extremely frustrated that we are responsible for this payment that we had nothing to do with. This was a fraudulent charge and I don't know what else to do to rectify the situation.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX
Product: Student loan

XX/XX/XXXX, payment confirmation XXXX, old Mohela account number XXXX, The full amount of loan ( Direct Unsubsidized Stafford Loan, loan # XXXX, payoff {$3500.00}, disbursement date XX/XX/XXXX, was paid off. I have the payoff payment confirmation. I also have the payoff payment confirmation of XXXX for Direct Subsidized Stafford Loan, loan # XXXX ( payoff amount {$2100.00}, disbursement date XX/XX/XXXX ) and another Direct Unsubsidized Stafford Loan, loan # XXXX ( {$290.00}, disbursement date XX/XX/XXXX ). However, these loans show on this new Mohela platform as still due. 

I have called Mohela *several* times and have been assured that they can log into the 'old ' platform and see the payments. They have simply chosen not to apply the payments to my account. The last call was in XX/XX/XXXX and they assured me that 21 business days, the account would be correct. The account is still incorrect. This is bonkers. 

Please address this ASAP. All XXXX thru XXXX {$1000.00} payments, and all future payments are applied to ALL 9 of the loans including the 3 above that were paid off in XX/XX/XXXX. This is alarming. Please research and correct. I have uploaded the MOHELA pdf 's of the payoff proof, payment submittal and my bank statements providing further proof of the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, with XXXX XXXX XXXX Has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX ending in XXXX, with XXXX XXXX Has violated my rights. 

15 U.S.C 1681 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX + All Banks XXXXXXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX EQUIFAX XXXX : XXXX XXXX, XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery System placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account onXX/XX/XXXX in a checking account that I have opened since XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. Midwest Recovery System states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
Product: Debt collection

I have made several attempts to protect my identity but there is someone using my information to open lines of credit and loans. There is a new account in my name called XXXX XXXX XXXX which states i owe {$600.00}, their contact information is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I never opened this account, i do not have in my possession this credit card, i did not authorize for it to be opened at all.
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 
Account # XXXXXXXX XXXX Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR YEARS XXXX has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to XXXX during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM! 

Apparently, I had an account with XXXX XXXX ( XXXX ) and it contains minute residual funds. XXXX apparently acquired XXXX in a merger/hostile take over which gave them access to my identifying information. Instead of XXXX sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and Equifax. The reason is that the name used ( XXXX which as a woman and a XXXX I've never actually used ) is only shown on my Equifax report and Equifax was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!
Product: Credit reporting or other personal consumer reports

To whom it may concern i am an consumer i have repeatedly tried to contact XXXX, Transuinion, and XXXX via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that XXXX, XXXX, and Transunion were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Credence Resource Management , LLC ( https : //credencerm.com ) calls every day and requests that I provide my social security number and address in order to resolve a supposedly outstanding debt related to a healthcare expense from earlier this year. The referenced expense was fully paid on time through my health insurance provider and no debt was ever owed. This is clearly an attempt to steal my identity and possibly to scam me into making payments to them. 
Phone numbers used : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX  XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account XXXX : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

Despite providing proof of my identity five times this year, XXXX, XXXX and experian continues to mishandle my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXXXXXX card through a 3rd party and they didn't state there was an annual fee, so I did not anticipate any payments being due after activation. I received a call that my account was past due, and the person said she would close the account for me since that's not the type of card I want, and that the annual fee would not be due if it was closed within a certain amount of time. She said that because there was a late fee she would have to remove that charge before being able to close the account, and that it takes 24-48 hours, and then it would be closed. I then started receiving numerous calls per day that the account is again past due because the annual fee was not paid. I explained what happened with the previous phone call and they now said they would close the account immediately and then request that the charges be removed. I stated that it was a bad idea to close a delinquent account with a balance but they no longer gave me the option to do anything else, if I wait until the charges are removed there will just be more charges again, thus never solving the issue. They said they would waive the fees and I received an email that stated they did, so again I continued calling to see when I could close the card but received the same answer that there are still charges on the account. I have spent many hours on the phone with them, with what I am assuming is the same person, she is very rude, and although she states that she transferred me to her supervisor and speaks in a different voice when I start to ask questions or disagree the same exact same rude tone comes out. Now my credit score has gone down 40+ points because of reported past due balances and I'm not sure what else to do to resolve this issue, they will not work with me to just remove the fees and deactivate the card. After researching this company online I have found that there are many people that are in the same situation that I am in. I recently worked with a credit agency to resolve covid medical bills and have been put on a payment plan for them with lower interest and have already paid 2 off in the past month, and now my credit score is lower than I thought they even went. This is very frustrating and honestly, I can not afford a lawyer to deal with this, it's very simple, just close the account and remove the fees and late remarks on my credit, the account was recently activated but never used. They keep telling me it will be taken care of and the next day it's worse so I need someone to hold them accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I had a late payment on my credit report.I reached out the mortgage company to correct it. The mortgage company would not correct it. I made my XX/XX/year> payment and I did not find out it was returned until XX/XX/year> because I was away on my current XXXX. I'm currently under the XXXX with the company.
Product: Checking or savings account

Chase Bank has my checking account listed as having an available balance of {$0.00} even though several XXXX dollars are present in the account. They've indicated that a software glitch is causing this problem - it's been greater than 24 hours since my first complaint about this issue and funds are still unavailable for usage or withdrawal. I've been receiving overdraft notices for withdraws that have available funds to cover the transactions. 

I would like the CFPB to assist in this matter as it's quite frightening to have thousands of dollars disappear with no status updates and what seems to be a lack of concern from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 tome, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Cedars Business Services sent three collection notices in XXXX for traffic violations in XXXX, XXXX, to include overage charges/fees that more than doubled the original amount. They also called multiple times and used multiple numbers to disguise who the call was from throughout XXXX. They gave no proof of the alleged traffic violations either by mail or phone. When I answered the phone ( XXXX XXXX ) to talk to them and asked for proof of the violations, they insisted they needed my email address to send proof, and I asked for them to send proof by mail since they obviously had my address. After this request, they never provided proof, stopped calling, and stopped sending mail until this month ( XX/XX/XXXX ). They sent four collection notices, again with zero proof that I am responsible for the debt. The only way that these violations can be real is if they were from a business trip in XXXX years before the first notification where I had to sign out multiple rental cars for the group I was with.
Product: Credit reporting or other personal consumer reports

I found out that my cousin stole my identity and she opened up accounts without my permission. I have tried to get these accounts removed and it hasnt worked. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not do or authorize these 2 accounts.
Product: Credit reporting or other personal consumer reports

Please promptly block and remove the unauthorized accounts from my credit report. I did not authorize or open these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.