23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L 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, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX x2 XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.
Product: Checking or savings account

US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this email to raise a dispute request against a derogatory remark on my credit. 
Case details are as follows : Original Creditor : XXXX XXXX XXXX Collector Agency : Radius Global Amount Due : XXXX As on XXXX Radius Global Solution, who is acting as collection agent for XXXX, put a derogatory remark on my account for not paying USD XXXX. 

Whereas in reality the same was paid directly to XXXX XXXX directly from my HSA account. At the time of payment I had no information for Radius Global Solution as in how to pay them So I made payment in full to XXXX. 

Although I paid the balance in full to XXXX and because XXXX has not updated anything from their end, there is an unnecessary derogatory remark on my account. 

Upon request I can provide the proof of payment. 

Kindly urgently look into the matter and request you to update the records asap by removing the derogatory remark on the account. 

It has damaged my credit score at great length without any fault from my side.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized charges that have been made to my XXXX XXXX account and to request the removal of this account from my credit report. These charges, which I did not authorize, have significantly impacted my credit report and my financial standing. Below are the key details : Account : XXXX XXXX ( XXXX ) Account Balance : {$3100.00} Status : Account Closed Issue Duration : Since last summer I have been dealing with this issue for over a year, and despite my numerous attempts to resolve it, the XXXX XXXX representative has not been helpful or efficient in removing these unauthorized charges. Additionally, my XXXX account was hacked, and funds were stripped from it. During this period, my XXXX XXXX was not in my possession, making it impossible for me to have authorized these transactions. 

According to the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute unauthorized charges on their credit accounts. Section 170 of the FCBA specifically states that a consumer should not be held responsible for purchases they did not make. Due to the continued presence of these unauthorized charges and the lack of resolution from XXXX XXXX customer service, I have not made any monthly payments since the transactions were not removed.
Product: Credit card or prepaid card

I was in an XXXX heading home after a night out in XXXX XXXX in the early morning of XX/XX/XXXX. I have a phone / wallet with all my of ids and cards inside the wallet. I left my phone / wallet in the XXXX and it was stolen. The next morning, I looked at the account and someone tried to charge a ridiculous amount to my Chime credit card. Upon further review I see that someone spent money at the XXXX hotel and on gas that was not me the morning of XX/XX/XXXX. 

I reached out to Chime to complain and filed a dispute : Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2021 Claim Total : {$190.00} They came to the following conclusion : Investigation Results We reviewed your claim and have determined that there was no error that occurred based on the following : -With manual funding prior and after the disputed timeframe. 
-With valid transaction from merchant GUEST HOUSE in between the disputed transactions -The valid transaction from merchant Guest house was 10 minutes away from the location of disputed merchant XXXX XXXX Dining. ( Within your vicinity ) -We have determined that theres no fraud alert captured by the system during the disputed transaction The investigation made no sense to me because if someone stole my physical card, of course they would conduct transactions that would be close to each other.
Product: Credit reporting or other personal consumer reports

REMOVE XXXXXXXX XXXX COLLECTION - FRAUDULENT COLLECTION This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. Experian, XXXX and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX XXXXXXXX {$450.00}
Product: Credit reporting or other personal consumer reports

This account contains erroneous information on my credit report across 2 Credit Bureaus, being Experian and XXXX. The named account reports inaccurate information within XXXX bureaus that is completely different. The multiple inaccuracies such as payment history, balance owed and other factors reporting are completely against my rights under the FCRA. For that reason XXXX has removed this account from their reporting Bureau. I have sent Experian a letter regarding this matter and it has not been resolved. It has now passed the 30 day time period making Experian late to respond to my correspondence in writing. This is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Money transfer, virtual currency, or money service

Wire Transfer number is XXXX First of all, XXXX is the one individual that has given me any sort of answer so she has been doing a great job. I sent a international wire to XXXX XXXX ( Wife ) in XXXX for XXXX Euros. It was sent out on XX/XX/2021 but the individual did not do it right because it was never sent. Then Sent a new wire on XX/XX/2021. On XX/XX/2021 I found out that XXXX stopped the wire and had some questions for me. Answered the first 4 questions that day and on XX/XX/2021 I answered two more. Now it is XX/XX/2021 and according to my bank my funds were released but still have not moved. I need this money to purchase a car which I need for work so I can feed my family. No one gives me a clear answer besides XXXX and we are approaching a month for this transfer and I am at the mercy of someone pressing a button to allow my funds to go through. 

My legal name is XXXX XXXX XXXX. I was born in XXXX California and served in the XXXX XXXX for 6 years. I have no affiliation with the XXXX that I had a partial match on the XXXX list. I just want my money so I can function in a country I just moved too. Please I need assistance to get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time my mortgage company sells my mortgage it reports to the credit bureaus as a closed account. My credit score drops XXXX to XXXX points every time they do this. It has happened three times this year. I contacted Trans Union to file a dispute about the fact that they are calculating my credit score based on my mortgage company involuntarily selling my mortgage to other mortgage companies. This is not my fault and should not impact my credit score. When the new mortgage reports, my scores do not go back up. Trans Union refused to consider my dispute and hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to XXXX records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, TransUnion reports that the account was opened on XX/XX/2022, but XXXX and XXXX report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

The XXXX of XXXX my identity Was stolen they stole my purse and not had everything in it from my phone to my wallet Which had my social and I had my credit cards and banking information as well as personal information they took the time to go online to the private website where they were able to gain all my information I found that out through bank statements throughCash AppXXXX XXXX in XXXX XXXX  when they went online to the private side they drained all of my funds they got on my phone and drained all my funds from XXXX and because they didnt have a XXXX credit card because it was at my house they transferred everything to the Cash App which is again on my phone Ive called Cash App and there is a buddy who answers Ive emailed them millions of times and nobody answers I am almost 8 grand in debt because they got a hold of my tax information my everything Ive contacted XXXXThis is the second time that they hang up on me out of the seven times that called I feel very unappreciated and not like a valued customers just want my money Back Ive already contacted the FBI Ive already contacted the XXXX XXXX on other thanks which wouldve been Cash App I dont mind reporting XXXX for the route customer service every time I never made a transaction my stuff was stolen what was recovered was an empty post with a crack phone What Im using right now I need yall as Im cash app amd pay pale to understandThat I never agreed or authorize any transactions and I need my money back or we can take it to legal matters and I cant get a lawyer and sue yall I am literally in some hardship right now and all I want is my money back not even the government my money do you have any questions feel free to call me at XXXX you can also email me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I write to dispute in its entirety the charge for {$2900.00} as well as the balance transfer fee of {$87.00}. The reason for my dispute is that XXXX failed to send a balance transfer to my correct XXXX card Acct. No. XXXX XXXX XXXX XXXX. I believe that XXXX stated that the funds were sent to another discover account with a one digit different at the end and that they have no policies or procedures in place to prevent incorrect transfers like this. They asked me to contact XXXX to give them permission to speak with XXXX to correct the charge and I did just speak with XXXX and they notated the account accordingly but said that XXXX needs to file a billing dispute with discover. 

As the records I sent XXXX say, I paid off my XXXX account because the balance transfer never came through to my account and that I closed my discovery account. There were no further charges made to it. 

In addition, XXXX, Experian, and XXXX refuse to correct the XXXX tradeline. 

All of these entities are causing me harm including adverse credit events.
Product: Credit reporting or other personal consumer reports

This Account have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX to dispute and the two accounts that appear all three of my credit reports ; XXXX, Equifax, and XXXX. I requested a copy of proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received a letter from them onXX/XX/19 stating that " XXXX XXXX XXXX is the original creditor and not obligated to provide the documentation requested ''. This is a violation of the ( FCPDA ). Please see below information along with my attachments. 

The partial account number is XXXX Reporting amount {$870.00} The partial account number is XXXX Reporting amount {$490.00} Social Security # XXXX