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

On XXXX XXXX I sent a letter to Trans Union describing to them that I was a victim of identity theft and that there were some inquires that I did not authorize showing upon my credit report with them. 
I received a letter from XXXXrans Union dated XXXX XXXX stating that " The inquiries listed on your credit report are a record of the companies that obtained your credit information '' and that " Your written authorization may not be required to constitute permissible purpose. '' This did not address my concerns. These were inquires that I did not authorize in any form written, verbally, or electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 it was reported to XXXX XXXX that an account from CITIZENS XXXX XXXX XXXX XXXXT was opened in my name for XXXX dollar line of credit, of which half of it has been used, lowering my credit score by XXXX and who knows what else. 

I attempted to contact the parent company of this program only to run loops through their automated system, in order to dispute this account. 

I DID NOT open this, nor authorize it being opened. I am not responsible for this
Product: Credit reporting or other personal consumer reports

This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

previously distributed XXXX XXXXXXXX account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for XXXX bye experian while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation resultsXXXX XXXX XXXX continues to report factually incorrectly. previously account reported payment history with XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with XXXX and XX/XX/XXXX with Experian and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.
Product: Debt collection

I received a derogatory credit mark on my credit report for {$120.00} I owed to XXXX  in 2021 that I was never told about. I have been a XXXX  customer for years and am currently a XXXX  customer and pay on time every month. I would have gladly paid the {$120.00} if I got a notification that it was due. I never received mail an email or a call or Anything at all to let me know I needed to pay it. I spoke with the manager wanting to get the derogatory credit off my report immediately and they told me that it was not possible for another two months even after I paid the {$120.00}. This has greatly affected my credit score and I have been a loyal customer for years to XXXX  with on time payments. The attached item below is the only notification I got and it wasnt from the debt collector it was from XXXX. I had to research the debt collectors number to reach out to them and pay.
Product: Checking or savings account

I was Key Bank Customer during the pandemic and paid over {$5000.00} in overdraft fees. I am a XXXX and was caring for XXXX patients. I would receive my pay by direct deposit a day after I worked, so I would receive multiple deposits during the week. Transactions would be processed to maximize fees, my deposits would be held pending for long periods. I would check my balance on the app and XXXX minutes later my balance was completely different. Customer service at Key Bank would tell me well you cant just rely on the app. I would have XXXX overdraft fees a day sometimes and wouldnt be able to match the fee to the transaction it was charged for. I received a letter from Key Bank recently stating they were crediting me {$200.00} in late fees back to me and that it would be applied to the outstanding amount I owed them!!!!! What I owed them were fees.fees that I couldnt afford to pay anymore. Since leaving Key Bank in XXXX, I havent paid a single fee from my bank. I worked really hard for that money and put my family and myself in harms way while doing it. I really want my money back! XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my ongoing dissatisfaction with Transunion 's handling of my credit report disputes. On XX/XX/year>, I submitted a formal dispute with a police report, FTC Identity Theft Report, and additional documentation to address fraudulent items on my credit report. Despite removing one account on XX/XX/year>, using the same information and documentation, on XX/XX/year> Transunion sent a letter stating they could not use the police report as it is validate, the credit bureau has failed to verify other disputed items or provide requested documentation, which should be resulted for removal. 
Under Section 611 ( 5 ) ( A ) of the FCRA, unverifiable information must be deleted. Transunion has not complied with this requirement and continues to maintain inaccurate information on my report. Additionally, I have not received the verification documents requested. 
I am enclosing my FTC Identity Theft Report, proof of identity, and a copy of my credit report highlighting the fraudulent items. I request immediate removal of these items as directed by Section 605B of the FCRA and notification to all furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this issue is not resolved within 30 days, I will pursue litigation under Sections 616 and 617 of the FCRA for willful and negligent noncompliance. This dispute is not third-party initiated and must be addressed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from Equifax, XXXX and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED REACHED TO THIS ORGANIZATION BEFORE AND ALSO TO EXPERIAN, THERE IS A FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT REPORT. THE XXXX  XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT, WITHOUT MY KNOWLEDGE, IT IS NOT MINE. I HAVE SUBMITTED MY IDENTITY THEFT REPORT, I HAVE SUBMITTED A POLICE REPORT. THIS ACCOUNT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from Security Credit Services in XXXX, XXXX XXXX XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but XXXX is still reporting it on my credit report.
Product: Credit reporting or other personal consumer reports

The company TransUnion refused to fix the issue with my account login. Im not able to login to my online account. I keep getting error message saying we are not able to complete your request. I request an access to my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX  which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Credit card or prepaid card

I initiated a 0 % APR balance transfer to my Citibank credit card. This included a 3 % fee on the balance transfer. As part of the promotion, I was told that I would not pay any interest on the balance transfer until XXXX 2018. What was not clear is that since I would be carrying a balance on my account, any additional charges ( ie, standard purchases ) would incur interest charges even if I paid the new standard charges in full. So for example, if I had a {$6000.00} balance transfer charge on my account and accrued additional charges of {$500.00} at a local retailer that month, despite the fact that I might make a payment of {$2000.00} when my next monthly payment is made, I 'm still charged interest despite the fact that my {$2000.00} paid for all the new standard charges and a big portion of my balance transfer. The fact that I would be charged interest on standard purchases ( despite paying them in full ) was not well explained in the marketing. When I called Citibank to complain this morning, I was told, " most people initiative a balance transfer and then do n't make any additional charges on that card so that they do n't get stuck in the cycle you are now in where you 'll need to pay interest every month until the account is paid in full. '' She was unable to do anything to help. Very deceptive.
Product: Credit reporting or other personal consumer reports

They have reported a 30 day late payment on my credit. When I called to verify customer service says that there is not a 30 day late payment. However it is reporting to my credit as such.
Product: Credit reporting or other personal consumer reports

Hey good day for the past weeks I have trouble getting a loan due to 60 days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXXXXXX XXXX XXXX an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance
Product: Money transfer, virtual currency, or money service

I have a money lion investment account with {$210.00} available to withdraw but when I try to transfer it asks for phone number verification code from a text message, which I have a new phone number since I signed up. It will not let me update online. I have tried to call about 10 different times to withdraw my money. I wait on hold over an hour and then a recording comes on about taking a survey and then hangs up. Reviews online show this happens to other people. You are not able to reach an actual person. I WANT MY MONEY THAT I HAVE PAID INTO AND I HAVE NO WAY TO ACCESS IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what happened to cause XXXX XXXX XXXX Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies Equifax, XXXX, and XXXX the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX XXXX ( XXXX ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Product: Checking or savings account

On XX/XX/2022, my friend and I attempted a third party mobile deposit in her name through me. The mobile deposit was not going to be available until XX/XX/XXXX. The next morning on the XXXX, I noticed that my transactions were declining and I called the bank. The bank stated that my account was restricted and they needed my friend and I to go into a branch and present XXXX forms of identification and her authorization for the deposit. My friend nor I, have a car so we were not able to get to the bank until that Wednesday the XXXX. When we went into the branch in XXXX, MO. Located at XXXX E. XXXX XXXX. XXXX, MO. XXXX XXXX, we presented the man out XXXX forms of identification and she gave acknowledgement to the consent of the mobile deposit. The man called and informed the XXXX of all that was going on. While on the phone he informed me that Chase was closing my account. I asked if he could see my deposit from my XXXX? And he said yes and showed me. I asked how do I get my money? He said they will be mailing it to you. I asked did he know when they sent it out and he said today. The following day XXXX looking through my account and I see my XXXX deposit in there and XXXX cant access my funds. I start calling the banks and they said they hadnt lifted the restrictions because the check had not returned yet. I said, so you all have not even actually began the process of sending me my check and I was told no, and I asked so what am I supposed to do? I cant even leave my house now because I have no money. My rent is due, the money was going towards my down payment for my car and I was to let my boss know when I got my car so I could give him a date of exactly that I would be reporting back to work. I have talked to so many people. I called the branch back and was told to come in and they would look AGAIN and I can not even get a ride there. I have now at this very moment been on the phone with a woman by the name of XXXX she is a XXXX XXXX XXXXXXXX and she told me I have to go back into a branch with my friend and verify identification and I told her we already did that and she said it doesnt say I did. Like what?? I have now been on hold for a hour and a half for a XXXX so I can tell my story to now for the hundredth time. I did all they asked of me. I even asked could they unrestrict it while on the phone with me so I could just upload my funds to XXXX XXXX  so I could have access to my money and she said no. XXXX so frustrated! Yes, there is rules and procedures but when XXXX is following them why arent we upholding to those exact guidelines. I am at a loss and so XXXX, this is mind boggling to me they can hold my money like this. I need some help please! And even after my situation is handled and my account is fully closed, I still want Chase to be held accountable for not upholding their very own policies and regulations when it comes to their customers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have appeared on my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or consent. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts blocked and removed from my credit report. Below are the details of the fraudulent accounts : 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: Payday loan, title loan, or personal loan

I am eligible for the servicemembers civil relief act ( SCRA ) as the spouse of an XXXX XXXX service member in the state of Louisiana stationed at XXXX XXXX. Louisiana is a key provision state that allows a servicemembers spouse a reduction in interest regardless if the servicemembers name is on the debt. Louisiana also allows for reduction of interest on debt that was obtained after the start of their service. Affirm was provided copies of my husbands orders, our marriage license, and a letter from my husbands commanding XXXX with all of his pertinent information. I have contacted and provided info no less than 3 times. I have called in repeatedly. I am never allowed to speak with anyone who resides in the US. I have received rejections due to my husbands name not being on the debt. I provided a copy of both the federal and Louisiana state statute. Every time I speak with someone I am told the issue has been escalated but it is NEVER resolved. All of my credit cards, auto loan, and personal loan have been adjusted accordingly with the exception of Affirm
Product: Debt collection

Capital one/XXXX  XXXX open account XXXX XX/XX/2022 closed on XX/XX/2022 credit limit XXXX this account was fraudulent activities
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$9500.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts 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

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer XXXX have given you written, verbal, unwritten nonverbal per 15 USC 6802. I have been a victim of identity theft affected by Forester breach and and stems into trafficking related synthetic fraud as well. Please see attached proof of the breaches and identity theft. According to FCRA 605 B USC 1681 I am entitled to have these items listed on my credit report attached to the identity fraud deleted in XXXX business days. Thank you CFPB for your help in this matter.
Product: Checking or savings account

My debit card was stolen. I closed the account and reported the problem. Over XXXX dollars were taking out and the thief also tried to order a new card. I informed the USAA and they deemed it not fraudulent even though there is evidence that the thief was able to go to XXXX XXXX XXXX in XXXX hours and pull out cash.
Product: Credit reporting or other personal consumer reports

Attempted to contact reporting agencies about injuries, they were no help. received many automated messages. Experian file was compromised with unrecognized/unauthorized inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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