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

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXXXXXX XXXX XXXXXXXX open date is not reporting correctly, I did not open this account, account has been charged off, still reporting negatively on my report, this account is not accurate XXXX XXXX XXXXXXXX this account is not accurate, account has been charged off, I did not open an account with his lender, reporting negatively on my report, XXXX XXXX this account is not accurate, account has been charged off, reporting negatively on my report XXXX XXXX XXXX XXXX XXXXXXXX this account is not accurate, I do not own this account, reporting negatively on my report, open date is reporting incorrectly XXXX XXXX XXXX this account is not accurate, reporting negatively on my report, account is paid off XXXX XXXX XXXX XXXX XXXX never had a contract with this debt collector, this account is inaccurate,
Product: Checking or savings account

On XXXX XXXXXXXX I opened a checkings account and funded the account with {$2000.00}. A few days later I tried to transfer the funds to another external account. Umpqua 's internal system triggered some sort of fraud. I was not notified of this fraud, I tried to access my account several days later, on the XXXX. My account was blocked, said the wrong username/password. I called their customer service line and they told me I need to go my nearest branch and submit a statement that I own the external account. I did provide proof of ownership on Friday, the XXXX. They told me they would look into it and get back to me Monday. Monday rolled around and I was not contacted, I contacted the bank again. 

They said that they will be closing the account. With that being said, the {$2000.00} transfer needs to be taken care of an this is what they emailed me stating how to take care of it XXXX will need to contact XXXX XXXX  and have them pull back the {$2000.00} transfer that was sent. Once that gets debited from his account here, we will close the account. Please ask him to call XXXX and get that process started. If he doesnt want to do that, we will have to hold the funds. And those funds can take up to 60 days to return. 

I then spoke with a branch rep and was told I had revert my initial funding, I had funded the account with a credit card. I contacted XXXX the following day, Tuesday and was told the customer service representative the full rundown of what has proceeded so far. I essentially told the representative that I would like to submit a chargeback for the {$2000.00} but when she asked me if the charge was fraudulent I responded with no, she then also asked me if I made the purchase or someone else, and when I told her that I was one making the purchase, she denied me the chargeback claim citing that the {$2000.00} charge was not fraudulent and done under my volition. I told her that Umpqua Bank was closing the account and forcing me to submit a chargeback. She then told me that I needed to work this out with the bank, they should let me transfer out or send a check. 

I then informed Umpqua of what XXXX told me and still refused to allow me access to my account. I informed them I would close my account once I was able to gain access and transfer the funds. I was told by the bank that there was nothing they could do. They locked my account and refused me access even after I provided proof of ownership of the external bank account, which they accepted and still denied me.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. ''
Product: Mortgage

I started and signed my RESPA with 5th3rd bank on XXXX I was told for the next three months that my application was good and my file was moving well. I have multiple emails, texts, from XXXX XXXX XXXX number XXXX that the file was working. He called my realtor and told them all was good. He asked me multiple times for more documents which I have email proof I have provided. He then went missing and I was forced to call his manager XXXX XXXX. XXXX XXXX informed me that XXXX never submitted my application and was lying to me throughout the entire process. He then stated he would get me back on track. They asked me for more documents which I provided and then told me we would be closing soon. Then they both disappeared as my closing date came. I asked what the status was and they said they would get back to me immediately that was four weeks ago. This person took my personal information by email told me that not to do it through the secure portal 5th 3rd provides. I am afraid he may have stolen my info and also I am not able to close on my real estate transaction that is closing me roughly {$1200.00} a day in rent loss. Neither will respond so I attempted to reach out to XXXX XXXX XXXX manager with no response. Basically, I have missed my contract, lost money, and have been scammed.
Product: Debt collection

Company keeps reporting medical debt. Updating it and not removing it. Cant furnish where I signed an agreement with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.
Product: Money transfer, virtual currency, or money service

I purchased {$660.00} of Buy coin on XX/XX/XXXX. On XX/XX/XXXX they canceled my order. As of XX/XX/XXXX I have not received any bit coins or my money back. 

I can not get anyone to respond via phone, email or any of the 3 social media accounts owned by bitcoin. Because of this I am treating this as a fraudulent case, I feel I have been stolen from.
Product: Money transfer, virtual currency, or money service

I was scammed and had unauthorized transactions sent to another user, I reported these transactions while they were in pending status and one of them was canceled as my bank even told me so and I have proof of that statement, I was then denied my dispute by cash app and afterwards the transactions were processed and re submitted which also shows in my statements. these transactions took place XXXXXXXX  as well as XXXXXXXX  totaling {$370.00}. I was told that I could request documentation however I am being ignored by support when contacting them after being initially told my dispute was denied. I also immediately asked them to cancel the transactions as they were still pending and I was being ignored and finally told by one agent that they were not pending, after providing proof that they were in fact pending I was then ignored again by multiple agents, and still never received documentation of why my dispute was denied so quickly. In the screenshot attached you can clearly see its marked as pending and you can see a clear indication of a section that says " Completed '' which these transactions were not. You can also see an agent from my bank tell me the transaction was cancelled before settling. Initially when I reported the transactions as fraud I was told by cash app that the transactions were cancelled only to be charged anyway.
Product: Credit card

A dispute was opened on XX/XX/year> for a purchase on XX/XX/year>. We paid {$6200.00} upfront per their requirement to take the order. We contacted the merchant, XXXX XXXX, XXXX via email and phone about the order. XXXX XXXX would not confirm ship date for the flooring ordered. Further research about the company, they have a F rating with XXXX  and many comments about customers who ordered product and never received the merchandise. 
We cancelled the order as it seems it is a scam website. We did not receive any communication regarding the cancellation, until we notified our bank, Chase, about what we believe was a scam. Chase credited us but later after believing XXXX XXXX over us, recharged us. We were told several different stories about why Chase was going ahead with the charge ( verbally ) XXXX was XXXX XXXX claimed they shipped the product to us. The second one was " no Cancellations ''. However, at the same time, XXXX XXXX offered to refund us via check if we cancelled our request for a credit refund if we signed a waiver.

Chase rebilled us on XX/XX/year> without notifying us. On XX/XX/year>, we asked why we were rebilled and Chase said the merchant said it was a final sale. It can't be a final sale, if we never received the merchandise. 
We signed a waiver per the XXXX XXXX 's request to get our refund in XXXX, 2024. They refuse to communicate with us and we are now have our {$6200.00}. 
We have reached out recently again to Chase ( XX/XX/year> ), ( XX/XX/year> ) Chase responded on XX/XX/year> and said they would get back within a few days. We got back to them XX/XX/year> and they confirmed they received the message. So far, we haven't heard from them. 
It is now XX/XX/year> and we still do not have resolution for the reverse credit to our account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion, is not allowing customers to dispute inaccurate information on the credit reports online or via any other way. They are once again in anti-trust violation. They do not have the right to hold this over consumers heads. We have the right to dispute and update inaccuracies on our reports. They refuse to respond, or allow us to fix the reports. I have tried to contact Transunion directly and to deal with this in a professional manner, and they refuse to follow the laws and regulations set forth by US government. Something needs to be done about this. Thanks : )
Product: Credit card

My credit card was used fraudulently with Chase. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. Chase has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by XXXX points!
Product: Debt collection

The debt was reduced to {$430.00} it is currrently still reflecting on my credit and has not been updated to the correct amount. I contacted the debt collector and they stated they would not remove the debt from my credit even though it does not meet the threshold to be reported to the credit bureaus. I disputed through XXXX and they have not removed the collection. As I have made a payment arrangement and have been paying the agreed upon amount the debt has not been updated and it is still not reflecting the current amount
Product: Payday loan, title loan, personal loan, or advance loan

So I placed the order with affirm XX/XX/XXXX I believe it was and then I placed XXXX on XX/XX/XXXX in total everything was like almost {$800.00} here we are XX/XX/XXXX and I still yet to receive the package and the company is still trying to charge me a monthly fee and I spoke to them and they pretty much told me that Im out of luck and I told them I have XXXX all around my house in the front and the back on the side and there was no delivery that was made and I sent them all the information they asked me for and they still telling me that out of luck and then I need to pay them back companies like this should be out of business. They take people and they rob people XXXX for money. All I want is a full refund or my product that I purchased. and I also contacted the company that I made the purchase, which was XXXX and a firm is a financial institution that helps people purchase stuff and XXXX told me that pretty much Im out of luck as well and theres nothing they can do for me and XXXX with a big purchase that I made they shouldve been a signature request for delivery
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of Equifax and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

For the past three months, I been getting calls from a XXXX number claiming to collect a debt. They do n't call once a day, they call all throughout the morning, afternoon, and night. So finally I answered and a rude guy named XXXX XXXX answered. He goes on to say I owe XXXX and they were going to serve papers that day. When I was trying to explain what happened from preventing me to pay that bill. He got smart and loud with me talking to me like I 'm stupid. Around that time of getting a loan, I was a victim of identity theft so a lot of things had to close like my old bank account and a hold on my social. He claims I had bounced checks etc, but remind you I 'm telling him about my identity theft, but he was so inconsiderate and still was getting smart. So I made payment arrangements so the papers would n't be swerved but on the other hand he ( XXXX XXXX ) is still making harrassing phone calls saying random things.
Product: Debt collection

They called my parents on a number that was not provided to them and discussed specifics about my auto loan that I am currently behind on they told them all my personal information I am XXXX XXXX XXXX. They have also continuously harassed me with multiple phone calls from multiple numbers throughout the day and delivered letters to my door in person representatives.
Product: Vehicle loan or lease

At least the car from GM financial when my lease is up they told me I have 30 days to return it, then they gave me additional 30 days to get a new car with them which I did, in the meantime I tried making a payment they did not accept it l, They said I have to bring back my car, at the time when I got my new order in I made the payment the full and they went and they reported me to The credit bureau that I made a late payment even though they did not accept my payment, also I spoke to representative They told me they send the bills to my address without an apartment number which I never received Please help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was a victim of identity theft. Upon reporting this incident to the FTC, I was instructed to file a claim with Equifax. Equifax has done nothing regarding this matter. 

Approximately XXXX, XXXX when applying for a mortgage, I discovered problems with my Equifax account. Among the problems, Equifax had changed my birth year to XXXX. As I had previously obtained a mortgage in XXXX, I am aware that in XXXX Equifax had my correct birth year. How did my birth year get changed? I had to go through significant efforts to correct Equifax 's mistakes. This strongly suggests that my Equifax account had been compromised between XXXX and XXXX- which corresponds with the data breach Equifax experienced. 

I believe my recent identity theft incident is directly related to the data breach at Equifax. As I have completed the claim form as instructed by the FTC, I believe that Equifax has a responsibility to address this matter. 

As consumers, we have no options - no choice - regarding these credit rating agencies who profit by using our personal information to sell to insurance companies, telecommunication companies, credit card companies and other industries. Credit reporting companies need to be strictly regulated and heavily penalized when they abuse the consumer.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a XXXX demand to comply with the Credit Bureaus and XXXX have yet to receive a response.
Product: Credit card or prepaid card

I opened an apple credit card to purchase a new XXXX computer. The day after purchase I returned the laptop unopened. The store gave a full refund to the credit card, and I purchased a new laptop in cash. XXXX months later i get a ding on my credit report for not paying off my apple credit card - even though the balance was {$0.00}. I called goldman/apple and they informed me i received apple cash back, which was charged to the credit card when i returned the computer. No notice from apple this would occur. When i called to dispute the transaction, they said it would be denied, as this is how the card works. 

Companies should not be able to ding your credit because they charged a payment for a reward you did not intend to use. Especially without disclosing.