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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX MEDICAL PAYMENT DATA XXXX MEDICAL PAYMENT DATA XXXX MEDICAL PAYMENT DATA XXXX XXXX BANK CC XXXX CHILD SUPPORT ENFORCEM XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX I received a text from Chime about a fraud alert. The text asked if I used my chime card at a XXXX XXXX XXXX. I replied no and they called me and told me someone closed my credit and savings account with Chime and my checking account needed closed to prevent money being taken. They text me an email address and told me to use their pay anyone to send my remaining balance of {$760.00} and I would get my money back when my account was closed and a new one was opened.He said it would take XXXX hours and after I didnt received my money I called Chime. The representative had no idea of what I was talking about, she said my account was never closed. I called back two more times with no help from them at all. I filed a dispute and they denied it the next day. They stole my money and I want to know what I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Visa credit card # : XXXX is lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from XXXX XXXX  XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXXEquifax has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/XXXX unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/Equifax/XXXX has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX Equifax/XXXX Should be held liable
Product: Credit card or prepaid card

There was a fraudulent charge on my credit card and they refuse to remove the charge. Even though the charge was made in another state and the purchase was made by a totally different person.
Product: Credit card

I made a Payment on XX/XX/XXXX to my Paypal credit card and per the agreement the funds should of been available the next business day. I called on XX/XX/year> and they told me my account payment was put on hold until funds were received and would be made available on XX/XX/year>, they said the were waiting for the funds. On my account it showed the funds were process from my bank account on XX/XX/year>. 

They refused to make my funds available or return my payment or cancel my payment. 

I was also transferred 3 times until they hung up the phone. 
first it was we can't make your funds Available as we have not received your funds followed by we can't cancel your payment as your payment was made. 
we can't return your payment as the funds are on hold.
Product: Checking or savings account

I transferred some funds from my XXXX XXXXXXXX account to my capital one bank account and I used my debit card with capital one for some authorized transactions only for them to reach out to me saying my account will be closed for no reason and no explanation whatsoever. They said my funds will be sent back to my XXXX XXXX account or a check will be mailed to me and that was over a month ago. I've called them severely and they never gave anything to say regarding my money. I need my money to pay my bills and take care of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported this account to XXXX XXXX, Experian and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Product: Debt collection

Credit Control Services placed an account on my consumer credit file. I have sent multiple requests to validate this debt. The company has refused to validate the information they used to construe reports about me. They have responded by saying they are unable to investigate this and are demanding that I, the consumer, provide them with information to prove that I owe CCS money. This is absurd. I sent the validation request with a copy of the entry showing on both my XXXX and XXXX credit reports. They did not respond to my requests within the specified XXXX period after my initial communication, prolonging the resolution to this issue. I did send them a second request to validate with an invoice for this willful and negligent violation of my rights. They have responded, but continue to ignore the request for validation information as well as compensation for damage to my reputation and use of my information without authorization. I have sent a final request to them including an intent to sue. I am hoping we can come to a resolution before this action, but this company is leaving me no choice as the violations are repeated and willful.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXXXXXX Account Number : XXXX CLOSED : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED XXXX  XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Student loan

During the height of the pandemic, I lost my job after disclosing I was pregnant and requesting to continue my work from home. I was denied the right to work from home and terminated instead. Since then, I struggled to stay afloat supporting my XXXX daughters and myself and have requested to have my private student loans put on hold and Ive been denied by XXXX on numerous occasions. I filed for XXXX XXXX bankruptcy in XXXX and my student loans were included in the bankruptcy proceedings. I have my discharge paperwork and the original petition for bankruptcy itemizing each of my student loans and to date, I am still repeatedly contacted by Navient for repayment of loans that I can not afford. 

Ive been making interest only payments for at least the last two years because thats the only option Im told is available to me. 

Most recently, in XX/XX/XXXX, both my father and I have received repeat phone calls and voicemail messages from Navient indicating that my interest only payment term had come to an end and I was once again behind on my student loans. My father was a cosigner on at least XXXX private loan and my deceased grandmother a cosigner on another private loan. I have been unable to get either of them relieved from the loans and my father has taken it upon himself to stretch beyond his means to make your payments to Navient for the loan hes on just to get them off his back because they wont stop contacting him. 

As of XX/XX/XXXX, I was forced to re-enter into another interest only payment plan. I am still without work and I am stretched far beyond my means. My ex-husband stopped paying child support a year and a half ago for our XXXX daughter, I have no source of income and my savings is almost completely out. I communicated this to the person at Navient and told her I feel desperate and I have absolutely no way to ensure I can make the monthly payments And the only option I was given was a {$65.00} a month automatic withdrawal from my bank account for interest only payments. its either I pay the {$65.00} interest only payments or a default. I dont understand how this can happen when Ive done my best to pay despite the fact these loans should have been discharged in bankruptcy in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX PLACED ACCOUNTS THAT HAS ALREADY BEEN DELETED BACK ON MY CREDIT REPORT.. THE FOLLOWING FRAUDULENT ACCOUNTS WERE ALREADY DELETED : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX OPENED : XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

The credit report information on my files is inaccurate.
Product: Debt collection

To whom it may concern On XX/XX/year> I contacted commodity bank to request the XXXX in relation to the charge off account that now is listed on my credit file. It has been over one year and I have not received the requested information.

Commodity bank must provide me with the original 1099 in relation to the charge of account that they reported on my credit file. This is information that is needed for the IRS.
Product: Credit card

I reported my card XXXX and XXXX transactions made on XX/XX/XXXX and XX/XX/XXXX to be fraudulent ( totaling {$610.00} ) on XX/XX/XXXX by calling the Home Depot Credit Card customer service XXXX and speaking with multiple agents regarding these facts and requesting that my current card be deactivated and these charges be disputed. The initialization of a lost/stolen card cancellation, replacement card mailing, and fraud dispute was definitely confirmed by the agents over the phone at the time. Furthermore, I messaged the same information on XX/XX/XXXX using my online accounts secure messaging. Finally, after seeing the charges still on my account after several weeks, I called on XX/XX/XXXX to confirm my dispute was ongoing and underway, and was dismayed to be told that it was never started in the first place after my call on the XXXX. 

Despite an extensive customer service call on XX/XX/XXXX in response to these fraudulent transactions, my report never resulted in action despite the assurances of the Home Depot Credit Card XXXX customer service team. A dispute was never begun, and these charges were not credited or lifted from my account as they should have. A new replacement credit card was not even sent to me until I called a second time to re-request it approximately XXXX business days later after initially reporting the lost and stolen credit card. I am deeply disappointed with the experience I have had with Home Depot Credit Card XXXX. 

Furthermore, I have been given conflicting information on multiple customer service calls, such as that their dispute / fraud investigation could take XXXX days in XXXX call, and XXXX days in another call. Furthermore, I am unable submit a dispute transaction request through the online account website of my Home Depot Credit Card ( this option is available in the settings menu but no available transactions are listed to dispute ). When I call back the Home Depot Credit Card XXXX customer service, they always say they're going to explain my situation to another agent and transfer me there, but they never explain anything to this agent and merely keep me on hold for hours at a time and I have to re-explain my situation. It is a horrible customer service experience that makes it extremely hard to protect my interests as a consumer and deal with fraudulent transactions.
Product: Debt collection

THIS COMPANY WILL NOT REMOVE THIS FROM MY CREDIT FILE AND THEY HAVE BEEN PAID. THE AGREEMENT WAS FOR THEM TO REMOVE THIS FROM MY CREDIT REPORT ONCE IT WAS PAID AND FULL. THEY HAVE YET TO DO SO. I AM CUFRRENTLY HOMELESS TRYING TO GET AN APARTMENT AND THIS COMPANY STOPPING ME.
Product: Checking or savings account

I am trying to close my account and I have an available balance that also reflects a direct deposit from my Employer when the bank already informed me that they were going to close the account and send me a physical check in the mail that could take up to 30 days. I was in agreement with this, then when they accepted an incoming wire deposit which increased my available balance I have requested numerous times to close this account and have my money sent to me. The bank now ignores my support email requests and they have locked anyway for me to get the money out, yet they allow me to continue to have access to online banking and ability to access the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a XXXX late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my XXXX XXXX. I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for XXXX car payments The email dated XXXX XXXX XXXX cleary asked for XXXX payment to be made before XXXX XXXX XXXX to avoid a XXXX late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with Bridgecrest. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no XXXX late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against Bridgecrest if this is not corrected with all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

XXXX reported to Experian that an installment loan that I opened in XX/XX/2019 in the amount of {$3100.00} is a charge-off. Although payments have been made regularly on this account and the account is reported correctly on XXXX and XXXX as current/open, Experian reported the information as accurate. Further, XXXX provided my payment history along with the reporting to Experian, clearly showing continuous, on-time payments. I called Experian and a dispute specialist advised that Experian does not investigate credit report disputes, they merely ask the creditor if the information is correct and update the credit report according to the response. I've contacted the creditor and they admitted it was an error but no update has been made to my credit report, which is why I went to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.
Product: Credit reporting

Equifax continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
Product: Debt collection

I have no knowledge of this collection Midland credit management it appeared on my XXXX  and my XXXX  credit report I was victim of identity theft back in XXXX. This must be from the identity theft as I previously stated I have no knowledge of the account it doesnt belong to me.
Product: Checking or savings account

When my account had enough funds I would get wrongly charge with overdraft or low fund fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the removal of an account reporting from TRANSWORLD SYSTEMS on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not open an account with TRANSWORLD SYSTEMS on XX/XX/2022 and this account does not belong to me. I have never opened an account with this company for any reason. I do not owe any money to TRANSWORLD SERVICES. TRANSWORLD SERVICES is reporting that I owe their company money to the three credit bureaus XXXX, XXXX and XXXX. I do NOT owe any money to TRANSWORLD SERVICES because I have never opened an account with this company for any reason.