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

On XX/XX/2018 I reported to Experian, XXXX  and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX and all 3 credit reporting agencies. XXXX  immediately removed the account, but Experain and XXXX have not. 

Know Experian is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
Product: Credit reporting or other personal consumer reports

I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXXXXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Credit reporting or other personal consumer reports

TransUnion reported a credit card from XXXX  XXXX in my report. I dont have a XXXX  XXXX credit card. I reported this information to the credit bureaus and also contacted XXXX  XXXX. XXXX  XXXX confirmed that I dont have a credit card associated with my SS #. This was reported to the bureaus and I havent heard at all. 

In addition the reporting agency transunion reported two names associated with my credit report that does not belong to me. This is considered fraud specifically when someone opened a credit card under my name. 

This has impacted me significantly since my score went from XXXX to XXXX. Specifically when I had worked hard to keep my credit score high. 

Thank you and Im counting on you to assist me with my dispute.
Product: Debt collection

on XX/XX/XXXX i pulled up my credit reports and notice accounts that i did not open. a FTC complaint was filed and attached too this complaint. sense i was young my mother has stolen used my identity for her purposes as she destroyed her own credit. at the age of XXXX i had utility 's in my name. AR resources inc has placed a collection on my credit report that i did not open use or have knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to Equifax as an " Open Account '' under my name.
Product: Debt collection

I have unauthorized inquiries on my credit report that I did not give permission for my credit to get ran and I would like them to be deleted immediately. I have unauthorized inquiries with Transunion and I did call them to tell them that I did not authorized or give permission with my credit being ran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification by TranUnion that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from TranUnion. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I have been the cause of harassment and harassment causing the theft of my identity because they have called and have communicated with all the banks to have them close my accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX Chase continues to report under credit journey the name XXXX and credit information and accounts that are not on my reports. This is not reported on XXXX.
Product: Credit card or prepaid card

Two charges that I did not authorize or initiate were made to my account number xxxxxxxx, from " XXXX XXXX XXXX / XXXX XXXX. The first charge was on XX/XX/XXXX in the amount of {$580.00} and the second was on XX/XX/XXXX in the amount of {$300.00} ( Attachment # 1 ). 

These appear to be new cellular device / new cellular service charges from XXXX 's XXXX XXXX. I have never purchased a phone from XXXX XXXX, nor have I ever had phone service with them. I filed a fraud complaint with USAA when noticed these unfamiliar charges. I filed the complaint successfully and spoke with several USAA representatives, the last of whom told me that the vendor had acknowledged that the charges were not legitimate, and the total of the two amounts, {$880.00}, was refunded to my account in XX/XX/XXXX. 

The representative told me that USAA would send me documents for signature to finalize the fraud investigation and refund. I was happy to assist. However, I was about to leave on an extended trip where I would have limited access to email and no mail service, and I told the representative I wouldn't be able to sign the documents until I returned at the end of year holidays. They told me I would also receive a copy that could be signed electronically. 

However, I did not receive any emails or written communication about the matter while I was away from home. Then, on XX/XX/XXXX, the entire amount of {$880.00} was charged to my account again ( " Adjustment to Account : Reference no. XXXX '', Attachment # 3 ). 

When I returned home, I found a hard copy of the USAA paperwork waiting for me with a signature request. However, it specified a deadline of 15 days, which the representative did not mention, and while there was an option to sign online, I never received that information. The representative with whom I spoke did not mention or did not know that this would be a problem. 

I made several calls to USAA to try to resolve the matter, but each time I called, representatives told me different things, and each time I had to start explaining again and again. Additionally, when the fraudulent charges were reapplied to my account, my total balance was now over my credit limit, so I started receiving daily calls from USAA. However, these representatives are debt collectors, and will only pressure me to make additional payments for the account. No matter how many times I have tried in good faith to work with the company, the argument keeps going in circles. 

I can't even get clarity now as to whether they are reopening this investigation or if they will resend the affidavit, etc., or indeed, if any of the information I have repeatedly and patiently provided has been recorded. 

Someone illegally purchased a cellular phone that is demonstrably not in my name, and it has cost me money that I do not have and is now costing me anxiety and lots of time, and I am still unable to solve it. I have always kept my account under the credit limit and paid my monthly bills carefully on time and the lack of help from USAA in this situation seems like an undue hardship for an error that was not mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Student loan

I am in the process of applying for XXXX while looking at my history summaries on XXXX XXXX  I noted incorrect information regarding loans while being serviced through Great Lakes. I called Great Lakes and asked for a status history in which I noted a forbearance XX/XX/XXXX to XX/XX/XXXX, an economic hardship for XX/XX/XXXX until XX/XX/XXXX as well as multiple " administrative forbearances ''. Also had XXXX consolidated loans and XXXX XXXX loans when I was transferred to Great Lakes but according to their records I have XXXX loans, but only sent a status history of XXXX when I requested XXXXI applied for income driven in XX/XX/XXXX, at that time my monthly payments were zero dollars and most recently pre pandemic I was paying roughly {$50.00} thru auto pay. When I spoke with a supervisor she stated my income driven plan was started in XX/XX/XXXX, according to her it starts when the paperwork is processed. That date is incorrect because my annual recertification is XX/XX/XXXX, as I initially applied in XXXX XXXX  XXXX. I have read about others having these types of inconsistencies with Great Lakes. They are capitalizing off borrowers ' student loans principal and interest from these tactics.
Product: Credit reporting or other personal consumer reports

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account open date different : how can a account with the same account number be open on different dates Date last active has two different dates : how can someone be be last active on 2 different dates
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX XXXX, remove old addresses XXXX XXXX XXXX XXXX XXXX MD XXXX, never lived at XXXX XXXX XXXX XXXX XXXX MD XXXX names I never had XXXX XXXX, XXXX, XXXX XXXX. Late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided 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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you previously explaining that I have been a victim of identity theft andthere are several fraud inquries that were done using my personal information. This was unauthorized an FRAUD
Product: Student loan

Major student loan websites are not allowing borrowers enroll in autopay options to avoid having the 0.25 % reduction in interest fees. The website is fraudulent and calling customer service is unhelpful. Have attempted to enroll in autopay 4x times. Happening on a mass scale.
Product: Debt collection

Since XX/XX/XXXX ( if recalled correctly ) have called everyday including early mornings hours XXXX XXXX  and have repeatedly called multiple times one was at XXXX XXXX  another at XXXX and XXXX and actually received a call while typing this message ( they have only left one voice mail snd do not specify why they are contacting me and what the debt is for the phone number is out of new jersey and stressed about it i have ignored many calls and had to return phone calls cause it over rode business calls so i have lost some financial revenue over this
Product: Prepaid card

On XXXX night XX/XX/XXXX XXXX going into XXXX XXXX use to withdrawal XXXX the machine got to the point where it stated to counting the money but the door that the money comes out neve opened up instead it repeated The process again but no money stii does n't in it printed a receipt saying incomplete transaction. So I used the machine next to it abd this time a receipt comes out stating contact your financial institutions. So but now Im on the phone with my financial institutions which is American express they tell me that on their side the money came out. So now I 'm mad because they was playing with my hard earned money I get the manager of the XXXX to make him aware of what was going on with the Mac machine. So a lady comes in about XXXX to use the Mac I asked her could see use the one that I used to see if it works for me and low and behold the Mac machine got to when it ask you your amount. Well the lady went to hit XXXX the Mac machine cuts completely off then cuts right back on and saying temporary out of Order and American express keeps playing game they told me to send copies of my receipts I also sent my drivers license and prepaid card I sent in then they stated that I have to fill out a dispute form out I filled that out. I call them on XX/XX/XXXX to see if they received the documentation they asked me. Then they informed me that they was n't going to contact XXXX. " supplies all the Mac machine ib the XXXX '' but that they was n't going to contact them until XX/XX/XXXX and then contacting them they was n't going to contact me until XX/XX/XXXX. But instead e-mail me XX/XX/XXXX @ XXXX. Telling me that they was n't going to put my money back into my account and that if I wanted what paperwork they sent to XXXX and that take 5 business days
Product: Credit card or prepaid card

Barclay 's who manages the Carnival Mastercard sent promotional offers starting XX/XX/XXXX offering 0 % APR for any new purchases till XX/XX/XXXX. They then continued to send offers including reminders until XX/XX/XXXX which offered 0 % until XX/XX/XXXX. I received a total of 10 e-mails during this period regarding these offers and I activated it. 

I had purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I discovered that on XXXX statement the promotional APR was only applying to prior purchase and a balance that did not correspond to any outstanding balance showed the standard APR of 24 %. 

I called and spoke with a representative who opened a ticket because they showed that I activated the offer on XX/XX/XXXX but I had already activated an offer in XXXX and thus that should have applied to the XX/XX/XXXX charge as well. She indicated that our in fact have 0 % APR on this purchase till XX/XX/XXXX ( which still is short the offer of XXXX ). 

I received my next statement and the typical APR of 24 % applied to entire purchase of XX/XX/XXXX. I called and the representative indicated that " investigation '' found it did not apply because the promotional 0 % only applies when you first open a card which was not the offer in question. The representative then confirmed that they have no way of knowing what offers are sent to individuals and was able to offer no further assistance on the matter. I was told I could submit proof of the offers by mail or fax ( not by e-mail or electronic form ).
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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: Credit card

Synchrony bank/XXXX  XXXX  refuses payment via negotiable instrument/remittance ; breach of contract ; UCC 3-501 ( b ) ( 2 ) ; UCC 3-603 ( b ) ; UCC 3-505 ( a ) ( 2 ) ; Mailbox Rule violation ; no response. Gave Many opportunity for Synchrony Bank to comply with contractual, commercial, and statutory law.refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Trasunion In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is XXXX XXXX XXXX. I informed TransUnion that I had no knowledge of this account. TransUnion decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and TransUnion decided against me this time and the collection account remains on my credit report.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. 

On XX/XX/XXXX, XXXX initiated a {$22000.00} wire transfer from my XXXX account under my full name, XXXX XXXX, with my address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, to my Chase account under my name. 

During the wire mistakenly, we missed a number, and the wire ended up in another person 's account who is deceased. 

On XX/XX/XXXX as I still hadn't received the transfer the Chase representative had already promised on the recorded line that the wire would return to the source within a couple of days. 

When I followed up on this matter, Chase then alerted me that I should call a XXXX attorney without any explanation of what the attorney should do or what the issue was that I couldn't retrieve my {$22000.00}. 

In the meantime, I'm missing the {$22000.00}, which I was depending on to cover my XXXX XXXX XXXX 's medical expenses after her Stage XXXX XXXX diagnosis. 

It has come to my attention that I'm protected by the Electronic Fund Transfer Act of 1978 ( EFTA ) ( 15 U.S.C. 1693 et seq. ), which was enacted to protect account holders for these situations. It is my understanding that the bank has a responsibility as a financial service to assist in resolving problems for their customers.

I hope you can assist me in rectifying this issue.

Thank you in advance for your assistance.