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

On XX/XX/XXXX, my business account was fraudulently hacked into and funds were set to disperse from the account via ACH payments. Within 15 minutes of being notified by a Chase 'alert ', I contacted Chase and was informed that it was already too late to stop it. Apparently, someone hacked the account, changed account numbers and routing numbers and started sending out payments via direct deposits until the account was drained. I was told a document was going to be emailed to me within a couple of hours to authenticate the fraudulent activity, but never received it. I went to the local Chase branch the very next morning to sign the document and begin the process of reparations to my business account.I was told by no less than four ( 4 ) different Chase representatives that the funds that were removed fraudulently from my account would be returned within 24-48 hours. Many frustrated conversations and escalations ensued to different Chase managers and after nine ( 9 ) days of leaving my business account with a XXXX balance, they finally admitted that they had no idea when any funds would be returned - not even a temporary credit, while everything was still being investigated. My XXXX was established in XX/XX/XXXX and has 15 employees, with operational funding requirements on a daily basis. I honestly felt like I was living in a 3rd world country with no one to turn to for help. On day ten ( 10 ), a temporary credit was issued to my account and I was advised that if they determined the funds were sent intentionally, the credit would be reversed. Incidentally, I have had this same account open with Chase for over ten ( 10 ) years and I was treated like I was the criminal, while they did little or nothing to offset the lack of funds in my business account.
Product: Debt or credit management

Spoke to XXXXXXXX XXXX XXXXXXXX Cust. Service she stated they did receive mortgage payment XXXX XXXX XX/XX/2024, amount {$3100.00}, she didn't see a pre-foreclosure, or a foreclosure sale scheduled. Called back XX/XX/2024 spoke to XXXXXXXX XXXX XXXXXXXX Loss Mitigation she stated a referral was sent to XXXX XXXX for foreclosure, there is no foreclosure scheduled. XX/XX/2024, called back 3rd time Transferred to XXXX XXXXXXXX XXXX XXXXXXXX requested the portal be corrected on my account from showing error when I trying to make my mortgage payment online in the portal attached to my account. Requested escrow shortage amortized over 60 months several months ago have not received a response. She stated they didn't see the letter to amortize my escrow shortage. Advised I should resubmit it. I have been given information on my account that was different and misleading each time I spoke with SPS servicing team. 

SPS LN XXXX XXXX
Product: Student loan

I was told that I could not apply to have a private student discharged due to XXXX. I am a service connected XXXX  veteran. All of my student loans were discharged because of my XXXX  except the one " private '' loan.
Product: Checking or savings account

I received a deposit of {$8900.00} and I wasn't able to do instant transfer I wasn't able to send anyone money or pay invoices online the only option they gave me was a bank transfer which takes up to 3 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In late part of XXXX, I was notified by XXXX XXXX XXXX that they had a collections from XXXX in the amount around XXXX. I explained to them that this account is fraudulent due to manipulation of the contract by breaching, and inaccurate amount & reporting the 1st delinquent. Also, consumer was never notified of any remaining balance due during XXXX XXXX period and after until XXXX XXXX XXXX sent a letter in late XXXX. XXXX terminated their alarm services during middle part of XXXX without submitting final billing. Consumer did make satisfactory dispute with XXXX XXXX that remove the collections on my credit report but having difficult time with Experian Credit dispute.
Product: Checking or savings account

Citi contacted me and offereed a XXXX XXXX Checking account. As a sign on bonus they promised XXXX XXXX XXXX miles if I completed various activities which I did. they also promised free checking and a raft of other sevices. 

They never kept up their side ... No miles, they changed my account and are trying to charge me {$35.00} a month for checking plus {$35.00} overdraft fee on their erroneous service fee. I have to keep the account open waiting for the miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report which they claimed they verified through XXXX XXXX. XXXX XXXX does not have a bankruptcy reported on my file, there for there is no way for them to have legally validated and verified a bankruptcy. They were given 15 days to delete the reporting and are coming close to the deadline
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX in me, and I found unverifiable, invalid, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correctly to my credit report. Experian is reporting an inaccurate late account date XX/XX/2021 In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

My financial freedom is unsustainable and unattainable due to the errors on my credit report, the inaccurate information on it greatly impedes my progress in being financially secured which is really frustrating. I continue to face rejections for new credit applications due to these errors. It is so stressing that my consumer rights are being violated in this manner.
Product: Credit reporting or other personal consumer reports

I have not applied for credit with Capital one in 2023. That's a hard inquiry that I haven't done. 
I have never lived in XXXX Texas. 
This needs to get fixed asap. I don't know who did this but it wasn't me.
Product: Debt collection

I received a phone call at my work number with an ominous sounding message containing XXXX legal language. Since I ca n't take personal calls at work, I waited until I got home to call the number back. I found out that this company also contacted XXXX my relatives. 

When i called the number back, XXXX verified the last XXXX digits of my SSN, had my address, but had an incorrect e-mail address. He gave me some spiel about XXXX loans that I owed, but could not provide me concrete information on who originally made the loan to me, when the loan was made, and basically any information to verify what the debt was. I have no idea what his call was about. Further, I asked if his company was licensed to collect debts and he said he did n't know. I asked for the address and he was originally evavise but provided me a XXXX. XXXX. I instructed him not to call my work or my relatives, and when I attempted to provide him the best number to contact me he said he did n't want it. He 's trying to scare me into paying something that he has no idea what it is and ca n't prove that I am legally obligated to pay. I want his company to never contact me, my work, or my relatives again.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. XXXX  XXXX XXXX  # XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Equifax, and XXXX in XXXX of 2023 to correct inaccuracies in my credit report and XXXX and Equifax declined to correct the reports. Under 15 USC 1681e consumer reporting agencies are to assure maximum possible accuracy. XXXX and Equifax have been in violation of 15 USC 1681s-2 for knowingly reporting inaccurate information since that time. 

Incorrect information on XXXX 's report : Two addresses are non-mailable : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX Former or current employers that are incorrect : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses on Equifax 's report XXXX Two addresses are non-mailable : XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX In XXXX of 2023, under 15 USC 6802, I opted out of XXXX XXXX XXXX  reporting my nonpublic personal information. The consumer reporting agencies are still reporting my XXXX credit card balances/ transaction history, which is in violation of 15 USC 1681a. The consumer reporting agencies are also violating my rights under the Privacy Act of 1974.
Product: Debt collection

This debt is ruining my life!!!!! In the past, I was denied housing with my spouse because of these people, and the debt is for {$9000.00}!!!! We are on a fixed income, and in no way, shape, or form afford that! These people are liars!!!!! They kept jacking up my rent without notifying me about it!!!! They lied!!! I now live with my spouse, however this still needs to be taken care of!
Product: Credit reporting or other personal consumer reports

To whom it may Concern, I would like to file a complaint against this company. Back in XX/XX/XXXX, my car got repossessed for nonpayment. Which was financial issues. Anyway, I paid them {$4000.00} and that was to cover the months that I have missed and all the other fee 's that I was told that were included. Then in XXXX of XXXX, I was told that I had to pay more fees and this company couldn't justify that. They said that I owed more fees. So looking at my payment history I have made XXXX payments. with a total of {$31000.00} However, looking at my credit report they haven't reported anything to the XXXX  credit bureaus since XXXX of XXXX. 

I have asked the company why they aren't updating anything and they said you haven't made any payments. I stated yes I have and I have proof. It might not be all of it but XXXX of it as I am paying for other expenses like medical bills, rent, and so on. So I got really suspicious and started to do my own investigation. 
This is what I paid according to them : XXXX XXXX XXXX XXXX : XXXX ( on XX/XX/XXXX I gave them {$1000.00} ) XXXX {$650.00} XXXX {$710.00} XXXX- skipped XXXX {$650.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} XXXX {$500.00} XXXX {$600.00} The total for the year {$7000.00} is what they are saying I paid however what I paid to them is {$7600.00} up to this point and I have documentation to prove what I sent them. So each year its {$7800.00} total for the payments on my car. So according to their statements, it's saying late charges of {$280.00} then other charges of {$86.00} which they can't justify what the other charges are for. No one in their department can say that. I want to file a complaint because of the incorrect information on my credit report. If you look at the credit report it states that I owe XXXX when I look at my account it states I owe {$18000.00}. I can't refinance the car because the companies say they blocked me from refinancing the loan. 

I have been lied to and threatened by these people in voicemails. They call and harass you all hours of the day when I tell them I work the XXXX shift I can't talk as I am sleeping most of the day. They said so we will still call. Overall the payments I have made so far is {$31000.00} when I add all my payments up. I just want answers as to why they aren't updating my credit information. Fair is fair and even tho I am making payments you are supposed to report them to all the credit bureaus
Product: Debt collection

On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX XXXX not paying for their mistakes i have letters and asked for a fix
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXXXX/XX/XXXXXXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter.
Product: Debt collection

This is a debt created by a XXXX  XXXX that the XXXX center failed to get prior authorization from the Department of Veteran Affairs office. I was able to obtain the pre authorization for the surgical center to bill against but they had sent the debt to collections. They are not supposed to bill a Veteran who receives medical care from the Veteran Affairs office from an approved medical center. This is not my debt, this debt belongs to the VA.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

At XXXX on XXXX XXXX received a call with phone ID of USAA supposedly from the Fraud Department in reference to someone in GA attempting to purchase sometime using my account and their XXXX affiliate used to transfer funds. I was on the phone several times since the call loss contact and each time the same number and ID popped ( XXXX ) XXXX. That supposedly was taken card of after I had to make changes to my password. Late last night I when to check my account balance and found that someone tried to withdraw {$320.00} from my checking account now leaving me a balance of {$0.00} so I called and filed a depute and they blocked me NEW DEBIT CARD that I just received the day before and activated and they said they would order another new card, a second in less than 3 days, and I should get it in 2-3 work days. This morning I checked my checking account balance an noted that now I am $ XXXX. I received a call- back I had demanded to file a complaint with management and found that now my account is locked and I can't get ANY ACCESS OR INFORMATION from it and was told that I would have to wait until Fraud Department completed their investigation and that they aren't showing any transaction or call from them yesterday afternoon so someone there is leaking information and at XXXX and I am being punished for their being hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, XXXX XXXX and XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
XXXX XXXX. On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to XXXX XXXX, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for XXXX XXXX, which they were suppose to remove : 08 XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for XXXX Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX, XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
XXXX ). Equifax Credit Bureau, XXXX XXXX and XXXX   Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C 1681 and exercising my rights as a consumer I have filed a dispute of information in my consumer credit report with the Equifax credit reporting agency on XX/XX/2023 requesting verification of the information about bankruptcy in my file. 

According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) in case of receiving a dispute from the consumer a credit reporting agency should conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

According to 15 U.S.C 1681i ( c ) whenever a statement of a dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer After not receiving any other communication from Equifax, on XX/XX/2023 I sent them another letter with demand to delete the disputed information as they failed to verify it in time. 

The note of information being disputed by consumer was never added to my file. 
As a result, I believe that the Equifax credit reporting agency violated my consumer rights under the Fair Credit Reporting Act multiple times. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Equifax complies with all consumer rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

Aspire account. Made payments as allowed for years. Software allows. Employee corruption this month. No change in terms or program. XXXX sounded. They claimed fraud. No fraud by me or my account. The fraud department claims a different way to pay monthly not as software program allows. Tampering internally targeting certain customers. Frauding me as a customer to pay them more interest. I have available balance not showing. Tampering by fraud department. Sorry for them they are not getting interest they personally want but that is the logic of why doing. Harassment and resentment by a poor business with high fees anyways gaining millions. I can not pay on card. I can not use card. XXXX there money to use as others do! Are others paying daily. Sure but they are!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I do not have, nor have I ever, had an account with XXXX XXXX. We 've been with XXXX for over 10 years and currently only purchase high-speed internet through them. We do n't have cable TV or a landline telephone since our family members all have cell phones XXXX. 
I never opened this account which could be readily verified by XXXX XXXX checking the service address. When we still had a home phone, we told them repeatedly when they called to collect the debt that they had the wrong XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX  is not a licensed collection agency in the state of Louisiana which is where I reside. The state of Louisiana requires that collection agencies be licensed to collect any debt they claim is owed to them. They currently have multiple accounts listed on my credit report with each of the credit bureaus and I would like those accounts removed.