23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX {$450.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

On XX/XX/27 at XXXX XXXX, I filled out an application with Chase to open a checking account and savings account, using a coupon offer they had emailed me, which stated if I opened both a checking and savings account and fulfilled the obligations, I would receive {$900.00}. I unthawed my XXXX credit to fill out the application. The coupon offer was accepted, and I took a picture after my checking and savings account were set up. I then set up my direct deposit through my company to go into the new Chase checking account. I then scheduled a {$15000.00} transfer from my XXXX savings account to my new Chase savings account. This was to satisfy the offer obligation where I needed to have {$15000.00} in the Chase savings account to receive the Chase offer 's money. I did this transfer through the Chase website, and I took a picture after the transfer was scheduled. This occurred at XXXX XXXX. The picture included the transfer from, transfer to, amount, initiate on date, available on date, and the transaction number. I then refroze my XXXX credit at XXXXXXXX XXXX  At XXXX XXXX  I received an alert from Chase saying " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon. '' The alert was for my new savings account. I tried to log on to the Chase app and onto the Chase website, but my account was locked due to unusual activity. I called the customer support team, and I was told that both of my new accounts are locked and are going to be closed within 10 days. I was also told that I am indefinitely restricted from getting a checking or savings account with Chase. However, my credit cards with Chase are still in good standing and are able to be used without issue. I talked to three different representatives, and I escalated the issue, but no one could tell me any information besides that my accounts are going to be closed and that I can not get a Chase checking or savings account. They also would not escalate the issue any further, saying that this was a final decision from Chase. The third representative I talked to did tell me that the transfer from my XXXX savings account to my new Chase savings account had an issue on XXXX 's end, causing the transfer to be canceled. I'm not sure what the issue was with the transfer, but I suspect this is what flagged Chase and caused them to close both my new checking and savings accounts. At this time, I am still locked out of my Chase account and unable to use the app or website. I have pictures that I can attach, but it has personal information such as my name on them. If needed, I can send them.
Product: Debt collection

PRA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unvalidated debt was deleted and than reported again. 
Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. 
Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.
Product: Credit card or prepaid card

On XX/XX/2021 a charge in the amount of {$27.00} was made at a XXXX via the counter. Immediately after the same person attempted to make two cash withdrawals from the ATM machine located inside the same store. First two attempts were declined, Im assuming due to having a transaction limit of {$160.00} on my account to protect myself from having things just like what happened next. After two failed ATM withdrawals, their 3rd attempt was allowed to go thru for {$260.00}, well above the protections I had set up for myself. When I noticed the charges the very next day, I immediately file a fraudulent claim in regards to the two charges. At that time B of A alerted me that a person had made a duplicate copy of my card and THATS how it had been used. This investigation was completed in a very timely manner and Ive got the letter explaining a permanent credit and no further action from me would be needed. Well to say the least, further action has been consuming my life each and every day with lies, turnarounds and completely opposite statements from day to day. A month last Im still waiting on my {$290.00} to be credited to my account. Im told each day that the investigations team who lost my permanent credit is now investigating themselves as to how/where my permanent credit actually went. NONE OF THIS IS OBVIOUSLY MY FAULT WHATSOEVER. B of A only says it can take up to 30 days to get your money thats rightfully yours. I dont have another minute to wait. I have filed multiple missing credit claims as well as hardship claims. None of which I have done a damn thing to get anyone to even blink an eye at my claim.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> we were interested in a pick up truck that was for sale offered on XXXX by what appeared to be a friend that we were familiar with. During the course of the transaction we sent {$1000.00} by Zelle through our bank XXXX XXXX XXXX XXXXXXXX North Carolina as a deposit to hold the truck till we could see it. Later that afternoon we realized that we had been scammed that it was not our friend, his identity had been hijacked. The next workday, which was Monday the XXXX we filed a complaint with our bank XXXX XXXXXXXX XXXX  XXXX North Carolina and the local police department and Zelle. Our bank and Zelle have both refused to refund our money per their policies.
Product: Mortgage

I had contacted my Lender multiple times recently about the recent appraisal. I had faxed over the enclosed PDF about the latest appraisal report. I had spoken to someone at my lender 's PMI department but they would not accept another party ordering and want me to pay my own higher costs to them to submit to XXXX XXXX. I then contacted XXXX XXXX right away yesterday and have a case pending, number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX   XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX  XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity and tax frad. My information and social security number is on a dark web as of XX/XX/XXXX There is a trace on my social security number and I'm victim of a data breaches as XXXX. I tried contacting the company that data breaches my personal information XXXX XXXX XXXX a company XXXX has my information also on dark web as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Illegally holding my funds for 180 days ( 6 months ). Total amount is $ XXXX. Contacted multiple times and never got a resolution/response. 
Ref. ID : XXXX
Product: Credit reporting

I have disputed a account with all XXXX credit bureaus for XXXX XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.
Product: Credit card

This is regarding my Macy 's revolving credit account. It 's very simple. When I pay my bill in full on or before the due date leaving a XXXX balance, Macy 's applies a finance charge on a XXXX balance. This has occurred 6-8 times in 14-15 months of a new account. Each time I 'm incorrectly assessed the charge I 'm forced to contact customer service and they always remove the charges. I do n't feel it 's my responsibility to monitor each month and more importantly, how many customers are unaware of this fraudulent business practice. Each time I contact Macy 's corporate office they assure me they wo n't continue this & are notating my account. Obviously, false promises to presumably make me go away. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dont understand why a large corporation like Experian can continue the unethical, oppressive manner by which the run a critical component of a citizens life and lively hood -credit reporting. In 1 day my credit score dropped 9 points. I did nothing, no late payments, no inquiring, no new credit accounts. No rhyme or reason for it except retaliatory. I suspect because they have the power to do so. I provided proof that based on credit laws XXXX XXXX - collection item should have been removed ( XXXX ) instead Experian updated the negative reporting as XXXX XXXX updated the XXXX while it should not be on my report, updated it as a ongoing monthly delinquency when last payment was XXXX, they continue reporting it as negative reducing my score monthly. They removed collection items and did not increase my credit score but instead decreased it. There are other errors that other credit bureaus corrected and Experian did not. The reason retaliation for complaining through this portal. 

Does this happen to all Americans or just some?
Product: Credit card or prepaid card

I set up web based automatic payments to pay my STATEMENT balance each month. My XXXX payment was scheduled to be {$1200.00}, the bank only applied {$1100.00}, the {$36.00} was a refund during the following statement period and should of been applied to the next statement balance, like every other bank does. 

I opened a ticket with them XXXX but they never responded or resolved my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Experian, XXXX and 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Experian, XXXX, and XXXX are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Product: Credit reporting

Credit bureau is reporting unverified accounts on my credit report in violation of FCRA sec 609.
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights in several different levels. They have failed to provide validation of debt, they have failed to produce billing statements and theyre reporting different amounts on all XXXX bureaus. 

There should be no late payments on closed accounts. 

Notice of dispute required within 30 days of receipt of first dispute under section 623 FCRA and 806 ( b ) FDCPA Payment Status details Consumer deceased? collection though paid? 

This is governed by FCRA 611 ( a ) ( 5 ) ( B ) you must be notify in within 5 days of the reinsert date.
Product: Credit card

Good morning really I want to get higher limits on my cards becuase I have good card and great standings with XXXX  and nfcu. Chasing financial freedom starting to move things out the way with credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inquires Capital One made as i never applied for any auto loan with them. I filed a FTC report and faxed it to them and they haven't remove the inquiries like they said in my last complaint. 

Previous Case Reference Number : XXXX CFPB File Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

so I affected by covi I was out of work and struggling to make payments but I lost job due to covid I just want these removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

There are hard inquiries and new accounts in my credit report that I do not recognize. I tried reaching out to the companies involved but have not been able to connect with them. Kindly find details in the attached file. The names of the companies involved are : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Capital One Auto Fin XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
Common wealth financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IhaveattemptedtodisputethisaccountseveraltimeswithXXXX,Ihavewrittenaletterandalsodisputedonline.Butnoactionhasbeentaken.

AccountNameXXXXXXXXXXXXAccountNumberXXXXAccountTypeCollectionResponsibilityIndividualDateOpenedXX/XX/XXXXStatusCollectionaccount.{$5500.00}pastdueasofXX/XX/XXXX.


StatusUpdatedXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I applied for credit. The creditor could not access my Transunion credit report because of a freeze/lock. I went to the TU website to unfreeze/unlock my credit report. I was unable to access my account. I called the telephone number provided by TU. I was told there was a permanent fraud lock on my account. I was never notified of this issue and I was told it could not be fixed. I requested to speak to a supervisor and was transferred to XXXX XXXX and was not able to understand the call taker. She told me to call back untill I got someone I could understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that XXXX and Transunion are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or Transunion is trying to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2015 I requested assistance from their Home Preservation department, because I became unemployed. Under the plan terms and conditions, I agreed to make partial payments to Wells Fargo until I could make full payments, or refinance my mortgage. At the end of the plan term, I successfully completed refinancing my home. The initial documentation that I received and submitted to Wells Fargo states During the plan period : We ( Wells Fargo ) will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. However, per my credit report, it appears that they have reported that payments were paid late for 12 months, instead of paid partially. Im disputing Wells Fargos reporting because they did not clearly indicate that they would report every payment made under the trial period as late. The wording on the documents attached literally state we will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. I would also like to point out that during the time that I entered the plan, the Home Preservation department was a new entity at Wells Fargo. I talked with 3 different Home Preservation Specialist who handled my case, and stated that due to the newness of the department, policies and protocol was constantly changing. I feel that I was not provided with the correct information at the initial agreement of this plan, which could have affected the outcome. I feel that Wells Fargo should amend or correct their reporting in a way that reflects what I initially agreed upon. I have since contacted the Better Business Bureau, to which I have gotten no results. at this time Wells Fargo still Believes that they have reported fairly, despite the inability to accurately inform me as the consumer.
Product: Checking or savings account

On XX/XX/12 I sent a complaint about Citi Bank ( ID XXXX ). 

Per the Citi Bank account 's response, I waited to receive a reference number to my address on file, but no such number every was received ( I have received my Citi debit card and account checks to the address ). In addition, after reflecting sending two forms of ID over the mail is not a safe or fair request as sending ID by mail creates an unnecessary identify theft risk.

As of now Citi bank has still not given me access to my funds or a reasonable and safe pathway.