23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received email stating an incorrect address has fraudulently appeared on my credit report through Experian. This address was submiited by XXXX XXXX. It is not my address nor has it ever been my address. It has been placed on my XXXX account four times since XX/XX/XXXX causing my account to be compromised and closed each time. XXXX would not try to help me. Please advise me on how I can proceed with having this issue resolved or these people prosecuted for committing fraud.
Product: Credit reporting or other personal consumer reports

I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX email XXXX Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a business client sent {$300.00} to my business venmo account. The money was marked " on hold '' by venmo, asking that I submit tax information. Having already done so previously, when I clicked the tab indicated this time, it went nowhere and did not allow me to verify tax info ( because I'd already done so ). On XX/XX/XXXX I initiated email contact with customer support with no resolution. On XX/XX/XXXX I called customer support and they could see I had verified my info and they could not say why my money was not being released. I was told I would get an email from their account support team within several days. I never received an email. On XXXX I called back, at which time I was asked to submit documentation of screen shots outlining what I see when I try to verify tax info. I submitted all requested screen shots on XXXX. After continued attempts to get information from venmo on XXXX, XXXX, and XX/XX/XXXX, with no resolution, I am now taking further steps. They are saying they don't know what the issue is, and they have no ideas when it could be resolved. I can not get answers, and most importantly can not get my {$300.00}.
Product: Consumer Loan

I wanted to pay off an existing installment loan from Avant because of the exorbitantly high interest rate of 36 %. I requested a payoff amount on XXXX XXXX and received a pay off of {$13000.00} that was good through XXXX XXXX. When I went to pay it off on XXXX XXXX BEFORE the date the {$13000.00} was good through, of course the payoff amount is more. This is unfair because Avant told me one payoff amount and switched it.
Product: Credit card or prepaid card

After receiving my statement in XXXX, I noticed approximately {$10000.00} in charges from a service called " XX/XX/XXXX'' spanning the months of XXXX and XXXX. 

I have used XXXX XXXX, in the past, to purchase 2 domain names and apparently my credit card was saved in their system. The first purchase was in XXXX of XXXX ( see attached : XXXX ) and the second in XXXX of XXXX ( see attached : XXXX ) I point this out because Chase says, because I've purchased 2 domains totaling less than {$90.00} each in the past that the XXXX XXXX dollars of purchases during the months of XXXX and XXXX of XXXX are not fraud. The only reason the charges stopped is because I reported my credit card as stolen at that point and a new credit card was issued. 

Here 's what happened. My account on XXXX XXXX was hacked. The contact information changed such as email address and login information. I can not login. They used the saved credit card on file to purchase approximately {$10000.00} worth of services from XXXX XXXX, I don't even know what they all are, maybe domain names. See attached for my credit card statements : XXXX and XXXX. 

I reported this as fraud as soon as I saw it on my statement and have been back and forth with Chase for months disputing the charges and escalating the dispute. They sent a final determination letter ( see attached : XXXX ) saying they found that it wasn't fraud in their investigation. 

They said they tried to contact XXXX and since the charges were made " from my account '' ( of which I have no access to anymore ), they stand by that they are valid BUT they won't provide any information like ... what were the domain names purchased? who owns those domain names? Which if they did provide that information it would PROVE I DON'T own them nor am I associated to them in any way shape or form. 

I don't know what to do! This is not a {$20.00} dispute this is XXXX XXXX dollars of fraudulent charges. I'm just appalled that after being a customer of theirs for over 15 years with a spotless history of credit they would not work with me and honor their commitment to protect me against fraudulent charges.
Product: Checking or savings account

Received a text XXXX XXXX XXXX XXXX XXXX XXXX associated with Chime banking. " Your Chime account is ready! Just download the app to access it : '' with hyperlink. I contacted Chime directly at XXXX to notify them of the fraudulent opening of that account attached to my phone number. I did not want to provide personal information other than to alert them of my number being used fraudulently. They did not close the account or place the account on hold/alert. I was told they can do nothing. My credit is already on freeze. So I am reporting to FTC and credit bureau
Product: Money transfers

I am US Citizen and made a transaction from website online to send money via western Union having MTCN number XXXX amount {$290.00} USD on date XXXX XXXX, 2016 through my Debit Card to my father In law/friend XXXX XXXX in XXXX XXXX, XXXX XXXX during XXXX XXXX, but I found he was not there, then very next day I request to cancel the transaction via western Union and submit the Information in details, but they are asking receivers Photo ID. I have no Photo ID of receivers side. I have all information of my Self legally but not from the receivers side. Now they saying they can not send me my Money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost information and someone using my information and I was told that I was decease
Product: Debt collection

ZWICKER AND ASSOCIATES is in violation consumer rights according to the FDCPA, FCRA & GLBA. Please view the attachments.
Product: Mortgage

I have had trouble with this company shorfalling my escrow account twice now. The first one happened with a shortfall of over XXXX dollars i believe 2yrs ago driving my house payment up. Now ive recieved a notice on my escrow account dated XX/XX/19 that my escrow account is short again by XXXX. Driving my house payment up again from XXXX to XXXX unless i pay the shortfall by XX/XX/19. I cant afford a lump sum like that. Im a XXXX vet on a fixed income
Product: Debt collection

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX ] [ XXXX XXXX Ca XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX Account Number ] XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureau Regulation, 12 CFR 1006.34 ( b ) ( 5 ). 

I have identified the following charge-offs reported by XXXX XXXX on my credit report that I believe to be inaccurate or incomplete : - Account Number : XXXX - Date of Charge-Off : [ XXXX ] - Amount : [ XXXX ] XXXX XXXX XXXX Basis for Dispute : 1. **Inaccuracy of Information ( FCRA, 15 U.S.C . 1681i ) : ** According to the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The charge-off information reported by XXXX XXXX is inaccurate/incomplete due to [ specific reason, e.g., incorrect balance, dates, or duplicate entries ]. 

2. **Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Under the Consumer Financial Protection Bureau Regulation , creditors are required to provide accurate and complete information when reporting debts. I request that XXXX XXXX verify the debt and provide me with all documentation regarding the alleged debt, including but not limited to, the original signed agreement and a detailed payment history. 

XXXX XXXX XXXX  Action Requested : I request that the credit bureau investigate this matter and remove the inaccurate charge-off entries from my credit report. If the investigation shows that the disputed information is indeed inaccurate or incomplete, please delete or correct the information accordingly. 

Enclosed, please find copies of relevant documents supporting my dispute, including [ list of enclosed documents, e.g., payment records, correspondence with XXXX XXXX, etc. ]. Please conduct your investigation and update my credit report to reflect accurate and complete information. 

I expect to hear from you within 30 days, as required by the Fair Credit Reporting Act. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] -- - Make sure to include copies of any relevant documents and send the letter via certified mail to ensure it is received and documented.
Product: Credit card or prepaid card

On XX/XX/23 I received a strange call claiming to be FNBO Fraud department, letting me know that my entire account for MGM Rewards credit card was frozen. No prior notification in any form ( mail or email ) was provided. Out of the blue, everything was frozen for me, I can't see any of the transactions prior to the freeze, I can't see my balance, I can't pay the card. Thinking that it was scam, I called the number on the back of the card. I was transferred to the " research '' department, where they told me that I need to provide a copy of my Driver 's License, copy of my actual social security card and a copy of my recent W2 in order for them to review my account. And the only way to get that info to them was either by mail, fax or email. A couple of days ago I finally received a letter from them providing me with the fax number and email address that doesn't seem to be affiliated with FNBO. I am refusing to provide my utmost personal info to them in the manner that they're requesting. Additionally, on their website, it specifically states to not provide any personal information in that format and that FNBO will never request any of this information. I requested for a secure portal to be provided to me so I can upload the documents. They said they don't have one. I asked to go to a physical branch to physically prove my identify, they said they don't have a branch around me. I also asked about the status of my pending rewards which are directly linked to my credit card, and I have been accumulating for a couple of years now, they had no answer. I asked if I'm still accruing interest fees while my account is on hold, they said yes. If I don't provide this info to them in the formate they are asing they will close my account. I will have no way to tell if there was any fraudulent activity before the card was closed, and I will be forced to pay the balance without being able to review my statements. This is in a situation where I HAVE NO ACCESS TO ANY TRANSACTIONS ON MY CARD. I asked to speak with a manager, they refused my request. Both individuals that I spoke to were extremely rude to me. They said they mailed me a letter, I never received anything from them. The letter arrived more than a week after the first conversation, and after numerous calls I made back to them. I'm coming up to my payment due date, they want me to pay the card without being able to review my account and charges on the card. In other words, I have NO CONTROL of the situation. Per my research, this is unlawful practice by the Bank. They can't just refuse me my access to my card activity. P.S. this same credit card company increased my credit limit recently, without my request or knowledge, after which they placed a block on it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I currently have 3 credit cards with NFCU, and all of the sudden NFCU turned off 2 of them. I called NFCU to see what happened and they stated they were turned off and my 30 day window to turn them back on had passed. I was not given no prior notification from them that this was happening. NFCU has a past of doing illegal things
Product: Debt collection

XXXX XXXX and XXXX failure to respond and are not complyinh with their own policies in a timely manner.
Product: Vehicle loan or lease

My suv was in a accident back in XXXX. And my suv was towed off the highway and my son was taking to the hospital. The tow truck company lost my suv but when it was found my finance company said that the suv was abandoned but it wasnt I never missed a payment up until that time and I was never late.. The finance company was one day from taking my suv to auction but they had to stop because the suv wasnt abandoned. So I had to pay the tow fees. But on my next bill I had this outrageous amount on my bill saying it was a repo fee! Well I ask how can you repo a car that wasnt repossessed? They couldnt answer that question. And I also found out that they sold my suv to the body shop that was doing the work on the suv and he has the title! And Im still paying on the original contract of the suv.. with everything I have gone through I would like to be directed to a attorney to handle this further..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP of education, has violated my rights.

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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Checking or savings account

I filed a complaint before and XXXX XXXX was helping me she did helped me get some of my money back. I submitted documents showing that fraudulent use of my bank account goes back to XX/XX/2017. She directed me to upload my bank statement and the police report. I have attempted to call her on numerous occasions and she have not returned my phone call. Talking to USAA call center Is like talking to a brick wall. Attached is a Letter from the USAA rejecting the rest of the money that is owed to me. USAA DID NOT GIVE ME SUUPORTING FACTS THAT MAKES ME LIABLE! This attached statement is not enough for me we are talking about 11,000 dollars!!!! USAA owes me supporting facts why I am liable for a person using a XXXX card THAT DO NOT HAVE MY NAME ON IT!!! and was getting money out of account! I can not even get them to close THIS ACCOUNT TRANSACTIONS ARE STILL GOING THROUGH! IT!
Product: Credit reporting or other personal consumer reports

MY INFROMATION WAS USED FRADUALENTLY TO OPEN SEVERAL AACOUNTS DUE TO IDENTITY THEFT WHICH RESULTED IN FRAUDULENT ACCOUNTS BEING OPENED AND SEVERAL INQUIRIES BEING FRAUDULENTLY MADE. 



ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!