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

I'm a busy graduate student who receives student loans. I was not notified by email by Bank of America that my account was overdrawn. The following unauthorized transactions occurred : XXXX. XXXX XXXX transactions ( totaling {$1600.00} ) to individuals that I don't know starting on XX/XX/XXXX and ending on XX/XX/XXXX. I froze my credit reports on XX/XX/XXXX and they still allowed transactions to go through. 
XXXX. XXXX XXXX on XX/XX/XXXX for {$500.00} XXXX. XXXX to a person I didn't know, {$500.00} XXXX. XXXX XXXX ( {$1000.00} ) from XX/XX/XXXX to XX/XX/XXXX ( I only used XXXX once in XXXX ) XXXX. XXXX ( XXXX transactions totaling {$9000.00} ). I don't even know what XXXX is. I filed XXXX police reports and XXXX claims. Claim ID XXXX Bank of America refused to communicate with my mother who was a joint account holder. She went to our local bank twice and spoke to and emailed XXXX XXXX and XXXX XXXX. I never authorized any of these charges and Bank of America should have known that these transactions were not consistent with my spending history, i.e.- for example XXXX XXXX transactions in XXXX day on XX/XX/XXXX starting with {$1.00}. I contacted the vendors and they said that I authorized it through my phone, which I never got those texts. I had to freeze my credit reports and move back home because all of my money was stolen ( and leave graduate school ) and Bank of America refuses to reimburse me because my debit card was attached to my wallet on my phone and they said I authorized it. This of course is unacceptable as they are refusing to be accountable for this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX, XXXX XXXX XXXX on my Transunion and XXXX credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect, the accounts are not a charge off, they were paid off. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Product: Payday loan, title loan, or personal loan

Dear CONN APPLIANCES , INC . 

Your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused serve damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and house purpose. 
Per : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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. 
Please remove account XXXX from all reporting agency immediately or will consider taking legal action against you. 
LAST REPORTED DATE, DATE OF LAST ACTIVE AND DATE OF LAST PAYMENT are all inaccurate. 
I have enclosed a copy of all inaccurate information Exhibits A and a copy of my driver licenses and utility bill as proof of identity. 
I tried to send you information regarding this matter in my mail was return the address you guys are reporting on my consumer report is also wrong
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ******* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

YOUR COMPLAINT Equifax has consistently failed to provide Proof of account XXXX XXXX but have only replied as creditor verified account as accurate. According to the FCRA there was not a proper investigation conducted. I was never provided with concrete evidence of verbal or contractual agreement, payment information, personal information and possibly violation of HIPPA  LAWS. I request proof or future Litigation have conducted against bureau. I want account deleted as it's a hinderance XXXX XXXXXXXX Open balance XXXX XXXX XXXX
Product: Debt collection

About two months ago I thought my student debt was deferred until i graduated from college. Now they are calling and writing letters saying that I owe them around XXXX $ for interest. Ive been battling with my loans for a year and a half now ; but more issues keep getting created by sallie mae. I owe around XXXX and with interest it is over XXXX. Im already paying on student loans every month by a different company ( XXXX $ ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am writing to let you know that about my concerns about Zelle and my disputes not being handled properly. CFPB has brought to light and enormous amour of issues with the platform. Even though I use Zelle on a regular and reporting my issue and problems. My financial institution did not investigate my claims properly. I was told that my funds would not be able to be get them back and they could not track them either. Zelle did not protect consumers and also allowed the same consumers to exploit the system, leaving people vulnerable to scams. The fact that they never took accountability is beyond unexceptional and they need to be help responsible to this.
Product: Debt collection

Fraudulent XXXX account open! After viewing my credit report a noticed decrease in score due to a negative aacount placed on report. Ive never had or applied for these services!
Product: Credit reporting or other personal consumer reports

Submitting these screen shots of all these disputes they say can be viewed but they can't and want you to call and now after MUCH RESEARCH THIS IS SETUP THIS WAY SO EXPERIAN CAN SHOW INTERACTION WITH COMPLAINTS EVEN THOUGH THEY DO NOTHING, ITS ANOTHER SCAM FROM THIS CORUPT FRAUDULENT COMPANY
Product: Debt collection

I 'm filling a second complaint in regards to the situation as NOTHING was resolved the first time. I previously was with the cell provider XXXX and switched to XXXX, When I made a visit to the XXXX store ( XXXX XXXX ) to see what offers they had to potentially make the change to go with XXXX- What they told me sounded very nice and made it what I thought was going to be an affordable switch! They promised {$650.00} to go towards paying off what I would owe XXXX if I left them. They said I would receive this in the form of a gift card within a couple of months. Out of the {$650.00} I was promised I received approx. {$120.00} Gift card! NOT {$650.00} The stores tactics to get you to switch over are deceitful and dishonest! I tried talking to a representative in the store directly which was no help at all. Now im receiving a large phone bill from them- I ended up switching to XXXX because I refuse to go with a company that has done nothing but like from the very start! in My former complaint they responded by saying they sent me a gift card, however what they failed to mention is that the gift card was about {$120.00}!!! very unethical and deceiving!
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy
Product: Payday loan, title loan, or personal loan

The balance that shows on my credit report is wrong and I paid XXXX off and it still on my credit Moneylion XX/XX/2022 To whom it may concern, As per our request, XXXX XXXX, We would like to inform you that your MonevLion loan XXXX has been paid in full. The loan was opened on XXXX in the amount of {$500.00}. Your final payment in the amount of {$230.00} was received and posted to your account on XXXX. 
Should you have any further questions, please feel free to reach out to our Customer Service Support team during business hours at XXXX. 
Thanks for being the best part of MoneyLion! 
Best Regards, MoneyLion Support
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$360.00}.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENNTITY THEFT, AND I NEED THESE ITEMS REMOVED FROM MY CONSUMER REPORT. THIS IS STOPPING ME FROM GETTING A HOME, THESE ITEMS WAS NOT OPENED BUT ME AND NEED TO BE REMOVED TODAY
Product: Debt collection

I moved out of an apartment in   XXXX   XXXX     and received my final bill from my electric/gas company "  XXXX   XXXX  '' in MA. It was more than I expected ( because I was canceling a " budget plan '' too early ), but nonetheless paid it via the automatic withdrawal that I had setup with my accounts that was in place the entire time I was in that apartment. I even confirmed with  XXXX   XXXX  support staff that my outstanding bill would be automatically withdrawn for the full amount.     Months passed and I received a letter from a credit collector  " Transworld Systems Inc. '' th at I had an outstanding debt of {$280.00}, which was not any of the amounts that I was told by  XXXX   XXXX  which makes this highly suspicious. I told them that this was an error and they did n't contact me via mail/email/phone for another 4 months and then I got another letter in the mail. This needs to be resolved by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling XXXX XXXX XXXX XXXX XXXX and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Equifax and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XXXX  XXXX/XXXX  Also there are 10 inquiries that were not authorized by me and they have refused to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with SYNC / Care Credit and informed them to please send me documentation that I signed a contract to pay them. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Synchrony/PPC on my credit report dated XX/XX/18. I did not do anything to warrant this inquiry. I have not applied for any credit or loans, or even credit increases. I contacted both Synchrony Bank and Paypal Credit, and they both indicated that they do not have any evidence of any attempt to do so. They did not help me in getting the inquiry off my report though.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$830.00} - Account # : XXXX XXXX - Balance : {$950.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$120.00} - Account # : XXXX XXXX XXXXXXXX - Balance : {$320.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card or prepaid card

I purchased my new XXXX XXXX XXXX XXXX at the end of XXXX, and have been very happy with it except for one detail. 

I wanted to sign up for XXXX XXXX with the new Goldman Sachs Apple Card, but each time that I've uploaded my driver 's license for the application for the Apple Card, I keep getting the message that my identity can not be verified. I've done it about 10 times now, and each picture of my license ( front and back ) has been perfectly clear. There have been no errors in my applications, and no one at XXXX XXXX, Apple Card Support, or Goldman Sachs can tell me what the problem is. 

I've been promised 3 return calls now from Goldman Sachs and Apple Card Support over the past week that have never come.
Product: Checking or savings account

Urgent Assistance Needed Account Closure Dispute I hope this message finds you well. I am reaching out as a last resort regarding the sudden closure of my Chase account due to an alleged claims abuse. My name is XXXX XXXX, and I strongly believe this was an internal mistake. 

Around XXXX, I had a few transactions that required investigation. XXXX was holding funds that were supposed to be returned to my account, and a XXXX XXXX XXXX claimed to have delivered items that I never received. I attempted to resolve the issue directly with the company, but they directed me to XXXX. When I contacted Chase for assistance, I was informed that the dispute was between me and the merchant because the company had provided proof of deliveryeven though I never received the items. I ultimately accepted the loss and moved on. 

Several weeks later, I attempted to purchase a new computer from XXXX for {$5000.00}. Initially, the payment was accepted, but then it was refunded due to a billing address mismatch. To avoid further complications, I transferred the funds to my boyfriend so he could complete the purchase on my behalf, which went through without issue. However, a few days later, I noticed a pending {$5000.00} charge from XXXX on my account. Concerned, I contacted Chase, and they assured me it was likely a temporary hold that would fall off. I asked them to make a note to monitor the charge just in case. XXXX also confirmed via email that the refund had been processed. 

Once the charge disappeared, I assumed the issue was resolveduntil I received a letter stating that my account was permanently closed due to claims abuse. I immediately contacted Chases claims department, and they acknowledged that the {$5000.00} charge still appeared as a claim on their end, even though it had already been removed from my account. They assured me it was a mistake and advised me to visit a local branch to have my account reinstated. However, despite the branch managers efforts and multiple calls, I was repeatedly told that Chase would not allow me to bank with them again. 

I am devastated by this decision, as I have always valued my relationship with Chase and have never acted in bad faith. This appears to be a serious misunderstanding, and I am hoping you can help me resolve it. I would greatly appreciate any assistance in reinstating my account. 

Thank you for your time and consideration. I look forward to your response. 

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

These are XXXX, I didnt benefit, apply for, and authorize these accounts. I want them to be removed. 
XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX