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

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple times in bringing this to your attention in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. 
I will be contacting the local police and filing an FTC report for fraud as your agency has stolen my identity and posted private information about me that is damaging my credit worthiness. I DID NOT GIVE YOU PERMISSION TO POST THIS INFORMATION. Thank you.
Product: Money transfer, virtual currency, or money service

As you will see on the following screenshots, the e-mail conversation between XXXX XXXX XXXX XXXX Customer ) ( XXXX XXXX and XXXX @ XXXX XXXX XXXX ( Supplier ) ( XXXX XXXX. These are the official accounts we are always communicating through. 

The swindler was able to get into the conversation hacking our accounts and carrying out a fraud using the fake e-mail address : ( XXXX ) as our supplier, which one could fool us so we didnt suspect and XXXX our second account ( XXXX ). 

So, based on false information, we proceeded to send wire transfer for {$29000.00} to the fraudlent account of hacker, as we thought he was our supplier in XXXX : Bank Name : CITI BANK Bank XXXX XXXX XXXX XXXX XXXX NJ XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX  Account XXXX Routing XXXX Beneficiary XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX : XXXX Through XXXX conversation we found that our supplier in XXXX did not receive the transfer. Then, after checking slowly, we overlooked that made the transfer to an XXXX bank account and not in XXXX, but we thought the XXXX supplier has an account in XXXX, which is also normal, but that was the scam because he hacked our emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX  Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a charge of {$600.00} that I did not authorize. I contacted my bank ( Chase ) and reported this. The fraud department canceled my debit/credit card, reversed the funds. On XX/XX/XXXX I saw that the amount of {$600.00} had been reversed. I contacted the bank and they advised me that the company ( XXXX ) had sent them information that I had ordered from them. They stated that the package was sent to my old address ( I had moved one year earlier and had not changed my address with the bank ) and they had a tracking number. The bank told me that I would have to deal with XXXX directly. They gave me the number of XXXX. 

I contacted XXXX and was told by the representative that I had order the product and it was my bill. I explained I had not ordered from them. They told me to contact my bank. Over the next two weeks I contacted them daily, they gave me the same story. I asked for the address for their corporate office. The man laughed and said, " We don't have one, we are in XXXX XXXX ''. I told him that I wanted to talk to his manager. He said, " We will send you and email ''. 

On XX/XX/XXXX I received an email from XXXX, responded to it and received another email from them. After receiving the emails I went into the Chase branch and talked to one of the employees, who after seeing the emails contacted the manager of Fraud and sent her the emails. The final email stated that they ( XXXX ) understands I did not place the order but they do not give out refunds. 

The manager of Chase Fraud said it would take 5 to 7 days to complete the problem and would get back to me. Today, XX/XX/XXXX I contacted the bank and was advised that XXXX said that this was closed and their would be no refund. I asked what the bank would do. I was advised that their was nothing they could do. I requested a copy of all the paperwork between the bank, XXXX and myself. I was advised it would take 7 to 10 days for me to receive it in the mail.
Product: Debt collection

i disputed this accounts, to tell them that this accounts are not mine. some how some one used my information and i tried to tell them when i filled a complaint and the creditor said it was accurate and i know it is not, here are the one that said that it is accurate MIDLAND FUNDING LLC # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Remarks. Here is how this account appears on your credit report following our investigation XXXX  XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Past Due ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation. 


PR TELEPHONE CO # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation. 


XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRER CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Credit reporting or other personal consumer reports

The credit reporter company of Equifax sent a false report about me to XXXXXXXX XXXX application Id XXXX and XXXX XXXXXXXX application ID XXXX as a result I was denied from getting a credit card. I had kept calling them on the phone to seek correction but they never answered me after I typed my social security number to them on the phone as they asked for it to see who so they will decide if they will answer that person or not ). They falsely stated no info on file and that I have a short length of credit history. Which completely false I have had XXXXXXXX XXXX for more than 1 year until now, ( while that was active and still active during the report applications ) I had XXXX and other bank credit accounts for many years and had a XXXX car loan from XXXXXXXX XXXX beforetec. Thats just some lists.
Product: Debt collection

I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX XXXX debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by XXXX XXXX XXXX. I went on XXXX XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from XXXX XXXX XXXX to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on XXXX  leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the AMEX card. 
When Credit collection Services called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from XXXX XXXX XXXX, I owe them nothing. I think this charge of {$890.00} is a false charge.
Product: Checking or savings account

Someone added themselves as an authorized user to my Chase banking account and subsequently withdrew approximately {$24000.00} on XX/XX/. 

On XX/XX/, I received an email regarding my Chase bank account that my address had been changed. I immediately contacted Chase bank ( XXXX XXXX  MST ) and spoke to a representative who told me someone had added themselves as an authorized user and opened a new savings account under my name and ordered new debit cards. I was then told this issue would be taken care of and my account would be placed on hold. I called again and spoke to another representative who gave me more information regarding the situation. He informed me that someone physically into a Chase bank branch in XXXX, Georgia ( XXXX XXXX ) and added themselves as an authorized user to my account ( I live in XXXX XXXX XXXX, UT ) even though I have no relation to them. They were using the name XXXX XXXX ( unsure of spelling ). They also changed my account address. This was all approved around XXXX XXXX  EST by the branch manager at that location, XXXX. I was again informed by this Chase bank representative that my account was on hold and that no money had been moved out of the account. They changed my username and password. I also went into my local branch in XXXX XXXX XXXX and spoke to the branch manager, XXXX XXXX. He informed me that no money had been transferred and my account was in fact on hold and no money could be moved. 

After work, I logged back into my account and noticed there were two separate withdrawals initiated from my savings account for {$9500.00} and {$15000.00}. 

I immediately reached back out to the Chase fraud department and spoke to another representative. They informed me that the person had indeed added themselves as an authorized user to my account my coming into the XXXX XXXX Chase Bank in XXXX, Georgia and this was allowed by the manager there, XXXX. They then subsequently made direct withdrawals at XXXX XXXX  EST of {$9500.00} and {$15000.00}. They then went to another Chase bank in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ) and attempted to directly withdraw {$40000.00}. This attempt was denied by the teller. 

I logged in the following morning and then pending withdrawals had subsequently been completed. Despite reporting the fraud 1 hour after it happened ( to 2 separate people over the phone and in person at my local branch ) and being informed that my account was secure and no money could be transferred, this person was able to withdraw over {$25000.00} from my account. This is a failure on the banking institution and raises suspicions of fraudulent activity within the Chase banking system, particularly at the XXXX XXXX Chase Bank ( branch manager XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open XXXX XXXX credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, Experian credit bureau reinserted the XXXX XXXX account back to my credit report ( please see attached deletion letter from Experian ). I insist that XXXX XXXX XXXX XXXX account is fraudulently opened and I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent multiple letters regarding the inaccurate information I found on my credit report. It was more than 45 days since but I did not receive any response or results.
Product: Credit card or prepaid card

In 2016 as a USAA customer me and my wife were defrauded. A XXXX fraud ring took us for over XXXX dollars USAA failed to protect our accounts and our information and would not work with us which left us no choice but to file for bankruptcy.
Product: Credit reporting or other personal consumer reports

I have been trying to log into my free credit scoreXXXX  and they have my XXXX blocked and I dont know why and my Score isnt updated. I have called all three bureaus, they said it will be updated and nothing has changed, its been weeks now. On transunion the score isnt updated, and I still have items that isnt reporting, correctly. My XXXX  isnt reporting correctly.
Product: Mortgage

I had a home mortgage with Freedom Mortgage which I purchased with them in 2017. 

When the pandemic hit I got ill with covid and unfortunately was off work for almost 5 months so I had to utilize the Forbearance plan. Although my payment history was intact they sold my loan to another lender. Shortly after I sold the home and attempted to secure a new loan with Freedom Mortgage for which I was denied a loan. 

What I don't understand is how the underwriters could deny me if I my history with their company were overall positive and at the time of the application my credit was in good standing.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was charged for the full amount instead of the monthly installments that were set up. This was a mistake on my behalf and I reached out to Wells Fargo to get it reversed. 

They told me that it can take up to 11 business days to get my money back. 

Today is XX/XX/XXXX and I still have not received my funds of over {$3000.00}. 

Ever time I call they give me the runaround, and refuse to tell me when Im getting my money.
Product: Credit reporting or other personal consumer reports

I have filed complaint about inaccurate information on my credit report. The bureaus did not take any action. If they continued ignoring my complaint I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and other personal information for your reference.
Product: Mortgage

I submitted my own insurance prior to XXXX XX/XX/2023 as they stated in their letters to remove forced insurance. The mortgage payment was not adjusted/lowered to reflect my new insurance so I requested the tax information since I already had the interest, principal, and insurance information because it looked like I was overpaying {$360.00} per month for XXXX and XXXX. They claimed they needed further research and they could not provide the information until XX/XX/2023 which is after my next mortgage due date. After I submitted my own insurance in XX/XX/2023 they informed me I would be refunded the difference after these past payments but i have received XXXX response about my mortgage adjustments nor updates.
Product: Mortgage

Bank of America - Mortgage Loan # XXXX - Bank of America sent the handling of my loan to XXXX XXXX at the end of 2016. I have been trying to obtain my 2016 tax statement in order to file my Tx Return for 2016. Bank of America has not sent it and refuses to do so. They insist I owe them payments for 10 months although all payments were made and I have verification of payments. They will not call me back or send the TAX info for 2016. What do I do?
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR FRAUD, INACCURATE, AND UNVERIFIABLE ACCOUNT WITH XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consisting responds within XXXX hours stating the account is accurate, without providing any evidence throughout the investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) XXXX5 U.S.C. $ 1681i, of disputes. Furthermore, Equifax actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighting in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigations. 

These are the account i marked as inaccurate XXXX  XXXX, Diversified Adjustment XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Leading XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I have an Ally XXXX account with Ally Bank. I also have checking and savings accounts XXXX which have not been a problem ). In XXXX, 2020, my online investment account was listed as " restricted '' with the message : " We can't show these accounts right now. 
Were working to have things back up as soon as possible. Try again later. ". When I tried to access my investment account statements, they had disappeared and were replaced with, " Your account has been restricted. To find out why we restricted your account, call us at XXXX. ". I have called this number regularly since XX/XX/2020 XXXX nearly a year ), and have been on hold for hours each time without ever getting through. I have used the Ally XXXX chat function, but no one has ever been able to give me any answers as to why my account is restricted or how to fix this, other than to call the generic call line number given above. I am concerned that I have had no access, and no statements for my money for nearly a year, and have not been able to contact anyone by phone after at least 40 hours of being on hold over nearly a year. Ally XXXX by chat have been unable to provide me with any other phone number or contact information to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX  XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,. XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IL XXXX My name is XXXX L XXXX XXXX My phone number is XXXX
Product: Checking or savings account

I had a checkings account and I was allowed to make purchase without the available funds then I was charged several overdraft fees which caused them to close my checking account
Product: Debt collection

Dear Experian In reviewing my credit report from Experian, I found unauthorized Addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following addresses are unauthorized. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX GA XXXX 3. XXXX XXXX XXXX XXXX XXXX AL XXXX 4. XXXX XXXX XXXX XXXX XXXX AL XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.
Product: Student loan

Over the course of XXXX days, I made multiple calls, spoke to multiple representatives, including a servicer to get an answer about XXXX payment calcluations. I was unable to get an answer. 

According to XXXX starting XX/XX/XXXX, XXXX  payments will be adjusted for borrowers with XXXX debt. Those with only XXXX loans will pay 5 % discretionary income each month and those with only graduate will pay 10 %. For those of us with a mix, it is a weighted average. 

I have a consolidated loan with a mixture of XXXX and XXXX debt. I want to know how they are going to determine the XXXX balance and XXXX balance. On the XXXX report from XXXX there are a few lines that might potentially contain an answer but Mohela has not provided any answer to my quesitons.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is illegally listing another persons name under joint without my permission for the person named XXXX XXXX. Illegal!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX account.
Product: Credit reporting

XXXX is reporting a debt they say I owe but refuse to provide me with any supporting documentation. They have violated the Fair Debt and Collections Practice and refuse to remove the information from my report.