23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Greetings, I have a credit card for XXXX ( XXXX XXXX ).  approximately back in XXXX 07, I was charged for the authorized amount of {$950.00}. After I received the statement I called the credit card to inform about the unauthorized transaction. They proceed with the cancellation of the credit card and posted a temporary credit until doing the investigation. Few days later, they assessed the charged back on my account without giving me the proper results from the investigation where it shows that I was the person or consequently I signed an authorization for this parties to use my credit card. Therefore, I called and initiated another request. They apologize because the first request it was opened under a wrong category. They again closed my account and sent another credit card. To my surprise, the charge was posted back on my credit card. At this point and totally frustrated I called back to have them proof that as a cardmember I have made or authorized the purchase. They have neglected to provide any f the following : 1 ) The creditor don't have the receipt of the transaction signed by me where I take responsibilities for the amount. 

2 ) The creditor don't have any documents where I shown that i have signed any contracts with the legal office and where there is an amount due under my name for {$950.00} 3 ) The creditor is lacking of any documentation where I have authorized a third party to use my credit card with my signature stamped and date. 

In other words, the credit card company represented by Walmart -XXXX XXXX neglected from providing any documentation where I have made or authorized the use of my credit card to anyone for the amount of {$950.00}. 

This company has broken there values and standards where they claimed to protect the cardmembers from fraudulent or authorize charges. I am a clear example that they have no taken their promises seriously and they have ignored my multiple phone calls where I have begged to have a resolution and have them proceed my interests as they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPSTARTXXXX Reported : XXXX. XXXX, 2022 This account has been settled for an agreement that it would be removed from my report when paid. I have paid the account settlement yet the account still shows as : Payment History Last payment XXXX XXXX, 2022 Current Payment Status In Collections/Charge-off Account status Derogatory
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

My debit card and cell phone were stolen on Wednesday XX/XX/XXXX. I went to the bank, Chase Bank, on Thursday XX/XX/XXXX and told them my card and phone were stolen and they pulled up my account. Many charges had been made, including transferring {$3000.00} from my savings account to my checking account. Then the thief sent money to herself via XXXX and XXXX XXXX transfers. All charges and transfers happened late the night of XX/XX/XXXX and the early morning hours of XX/XX/XXXX. I filed a claim with the bank and they DENIED my claim, stating my mobile app having Face ID and there is no way for them to know I didn't make the XXXX transactions. I have no idea how someone was able to get into my XXXX without my face or passcode. But they did. I also filed a police report with the XXXX XXXX Police Department - Item XXXX XXXXXXXX List of purchases and transfers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$10.00} XXXX payment XXXX XXXX XXXX XXXX - {$300.00} XXXX payment XXXX XXXX XXXX XXXX - {$700.00} Online transfer from savings - {$1000.00} XXXX Payment XXXX XXXX XXXX XXXX XXXX {$400.00} Debit XXXX XXXX XXXX XXXX - {$37.00} XXXX payment XXXX XXXX XXXX XXXX - {$500.00} Online transfer from savings - {$2000.00} Debit Payment sent XXXX XXXX XXXX - {$100.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} XXXX Payment XXXX XXXX XXXX XXXX username XXXX XXXXXXXX - {$50.00} XXXX XXXX payments to XXXX XXXX, her username @ XXXX XXXX {$200.00}, {$200.00}, {$100.00} and {$200.00}. 

Chase has acknowledged everything being fraud, EXCEPT the XXXX payments. Their fraud department will not even take the police report into consideration. They told me there is nothing I can do to get the the {$1900.00} in XXXX payments back. Also, I have a detective with the XXXX XXXX Police Department assigned to my case. The detective told me they have a main suspect, XXXX XXXX, who the fraudulent XXXX payments were sent to. They said they are very familiar with her and she has a history/rap sheet with the police here. I don't understand how Chase Bank can acknowledge some but not all of the activity as fraud. All the transfers happened in a very short window immediately after I was robbed. 

I need help. I consider Chase refusing to return the {$1900.00} to me a theft. Chase Bank has stolen from one of their own customers.
Product: Credit reporting or other personal consumer reports

The problem i'm having is with Early Warning credit reporting agency. I didn't authorize them to have, furnish or share my information that they shouldn't have in the first place. I did not authorize this third credit reporting agency to furnish my information, and after the scandal with XXXX on multiple occasions having reported improper credit reporting errors ; any third party credit reporting agency should not have my information. 

I do not want them having my information. How did they get it to begin with? 
they have thee audacity to tell me, I can't opt out.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the false, erroneous, and misleading entries on my consumer report have been unsuccessful. These incorrect records have significantly disrupted my life, causing substantial distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.
Product: Mortgage

I have buyers for my house. BOA is providing them with mortgage. The BOA underwriter is NOT responding to phone calls from my realtor, my attorney, buyer 's realtor, or buyer 's attorney. I need closing date this week -- because, if I don't close this week, I will lose my new/next home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Product: Vehicle loan or lease

Good morning can your company please provide the following information about this account, this is only a request for specified information only.

1. The Date of First Delinquency for this account.

2. The Date of Last Payment made on this account.

3. The Date of Charge-Off for this account.

4. 1099C for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a dispute regarding this account that reports inaccurate to my Equifax report. This account has already been paid and is also updated paid to other credit bureaus XXXX and XXXX. I don't see any reason why Equifax should keep reporting this as a derogatory item on my credit report. Please Investigate this and delete it from my credit report.
Product: Debt collection

Dear Sir/Madam I am reaching out to you as I am left with no option for help as this debt collection agency has hit my credit score without even interacting with me and engaging with me. 

I had gone to XXXX XXXX XXXX XXXX ( DC ) XXXX XXXX XXXX  back in XX/XX/2019 for a minor XXXX XXXX. I had provided all my insurance details ( XXXX ) and the hospital confirmed that they have all my details and the insurance will take care of it. After 3 months I got a bill of ~ $ 2k which I was asked to pay- I immediately reached out to the hospital and they mentioned that the insurance didn't pay. I subsequently reached out to XXXX XXXX  and they mentioned the hospital filed a late claim ( past the claim window ) but subsequently they did take a look and paid ~ $ 1k which they believed was what the hospital owed. I got a verbal confirmation from XXXX that everything is settled. 

Now 2 yrs later, I get this multiple chases from this debt collection agency ( Aargon Collection Agency, details below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX XXXX XXXX XXXX XXXX  ) saying I owe them ~ {$400.00} from back then, I respond to them in a detailed email citing the history and ask them to sort it with the hospital. Instead they make a derogatory mark on my credit score and refuse to take it out while I am still interacting regularly with them. The agency also mentioned that they haven't yet spoken to all parties ( insurance, hospital etc ) but want me to pay up and refuse to take out the derogatory mark. This is extremely frustrating as I am an extremely disciplined person with respect to payments and have never missed a payment in my entire lifetime. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this. 

I have been requesting them to take the mark off while they investigate and speak to both the insurer and the medical company but Aargon agency has refused to do that. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this.
Product: Credit reporting or other personal consumer reports

TransUnion 's failure to remove a fraudulent report from my credit file. In 2024, I became a victim of identity theft, during which unauthorized accounts were opened in my name. Despite promptly reporting this fraud to TransUnion and providing all necessary documentation, including police reports and identity theft affidavits, the fraudulent information remains on my credit report. 

Over the past months, I have followed all the prescribed dispute procedures, submitted multiple requests for correction, and repeatedly contacted TransUnion for updates. However, the fraudulent accounts and inaccurate information have not been removed, negatively impacting my credit score and causing ongoing financial harm.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, Equifax and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Product: Debt collection

I received a phone call from Simm Associates. I requested the online site so I could verify the information before providing payment information. I have entered my payment information and received a confirmation number twice now, but I'm still receiving phone calls from Simm Associates
Product: Credit card or prepaid card

On XX/XX/2522per the FTCs recommendation I reported multiple fraudulent transactions occurring on XXXX credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow-up to my previous attempt dated XX/XX/XXXX, to make sure that these items are deleted ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a credit score of XXXX but noticed my mortgage account was not on my report. Whrn i inquuired about it it was returned and my score dropped 111 points. I would like to know why because that seems a liitle unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to resolve this issue. Td Bank/Target is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

3-4 Months ago, a friend XXXX XXXX ordered something through Affirm. 
Somehow my information was put on the account from Affirm. 

We have both called to get this corrected and Affirm states they can not do anything to correct the social on the account. 

They simply kept stating that the Affirm has no way to change a social on account after it is made.
Product: Credit card or prepaid card

Fraud was committed on my American Express. My original purchase was declined by American Express, so I used another credit card. After my other credit card went through, American Express went back and charged my card. I submitted documented proof of this. I also had a credit balance on my American Express account of {$3000.00}. American Express did credit my account for the fraud, but then that would change and go back and fourth. No matter what I do, American Express will not send me my money. I requested a wire transfer that takes XXXX business day... I did not want a check. Thus far, American Express has lied to me : We sent you an email... no they didn't... We sent you a check, no they didn't. I sent wire instructions XXXX times. I got the wire transfer instructions directly from my XXXX account. American Express contends they have the wrong instructions, or they've sent a check or they've done something, but they've done nothing. This has been going on for several months. I've spent hours on the phone with the fraud department and hours in the chat room. No matter what I do, they won't give me my money. 
I tried calling CFPB, but I don't have a cell phone... The phone I use does not work.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the lack of response from LexisNexis regarding my request for my credit report. Despite my efforts to mail my request to both LexisNexis XXXX XXXX XXXX XXXX and LexisNexis XXXX XXXX, I have not received any acknowledgment or assistance. It's frustrating to feel ignored, especially when attempting to address important financial matters. Unfortunately, I am unable to afford tracking services to ensure the delivery of my request. I am reaching out desperately for assistance in obtaining my credit report as it is crucial for my financial planning and security. Any help in expediting this process would be greatly appreciated. Thank you for your understanding and support in this urgent matter. he specific law that grants consumers the right to obtain a free copy of their credit report is the Fair Credit Reporting Act ( FCRA ). Under Section 612 ( a ) of the FCRA, consumers are entitled to request and receive a free copy of their credit report from each of the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) once every XXXX months. This provision ensures that consumers have access to their credit information and can review it for accuracy and completeness. Additionally, the FCRA outlines procedures for disputing inaccuracies on credit reports and requires credit reporting agencies to investigate consumer disputes in a timely manner. Overall, the FCRA aims to promote fair and accurate credit reporting practices and protect consumers ' rights in the credit reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XXXX However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.
Product: Credit reporting or other personal consumer reports

i contact all credit bureaus and told them about this matter and nothing has been done and its been 3 years now and i have identified the federal about this matter and now going with XXXX XXXX XXXX to get this resolved.. Now i have identity theft dealing with my credit please help.