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

The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} Lending Club CORP Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
Product: Debt collection

Subject : Request for Immediate Removal of Wrongfully Associated Debt I am writing to formally address a serious concern regarding my rental lease agreement, which I believe has wrongfully violated my renters ' rights. It has come to my attention that a debt of ( {$160.00} ) has been inaccurately applied to my credit report and profile, which is not owed by me and is incorrectly associated with my name. 

This situation not only misrepresents my financial obligations but also constitutes a violation of my consumer and credit rights. Such inaccuracies can have detrimental effects on my credit score and overall financial standing. 

I kindly request the immediate removal of this erroneous debt from my credit report to prevent any further impact on my creditworthiness. I appreciate your prompt attention to this matter and look forward to your swift resolution. 

Thank you for your understanding. 

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

Please delete all fraudulent accounts and hard inquiries from my credit file from XXXX, XXXX, TransUnion immediately.
Product: Debt collection

Called and couldn't get thru. I then sent a letter that t6he FTC gave me explaining the situation. That I never ben to Florida and set up an XXXX XXXX XXXX account. Which was sent to collectors, Sunrise Credit Services , Inc . I never got a response and its has been over 15 days now. It's not my debt, I never opened an account with XXXX XXXX XXXX I had my identity stolen. I made a case with the police department. I also contact the FTC and put a freeze on the top 3 major credit websites. I also had addition XXXX added to my taxes and someone also tried to get unemployment benefits. Which the IRS and Job Services corrected that. Thank you.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$91.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Acct # XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act merchants XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Product: Checking or savings account

My checking account was closed by Chase on XX/XX/XXXX, I went to the branch and asked one of the banker. He told me the refund would be issued within 10 business days. But it has been more than 30 business days, and I still receive nothing in my mail box. 

I'm totaly fine with the account closing stuff, and I gave the 10 business days they claimed that they needed. Yet the check was still not issued. I've been lending money from my friends since that account was the only account I have, and the money in it was the only money I have. The extended time was really causing me tons of trouble, and brought many inconvinience in my life, I can't even affort for the XXXX XXXX  XXXX fee. Everyday I am worried and anxious about when can I get the money and pay for my " loans '', that really damaged my emotion status. 

I will take no excuse for Chase to still holding my money. I already gave them the 10 business days they told me at the first place, and they can't just change their words every time. Chase Bank is holding my money in hostage without explaination, this is conversion/theft considering how much profit they'd be making if they hold 1000 consumers accounts like mine in hostage!!
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Equifax, XXXX and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with Equifax since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of XXXX has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Product: Checking or savings account

I have ( XXXX ) separate Estate checking accounts with USAA that I established as the Executor of both estates. Both accounts have had {$0.00} balances for months and months. There are no outstanding transactions. I have sent a letters to USAA asking that the accounts be closed. I have tried on the phone multiple times to close the accounts. I keep talking with ill informed and incompetent people who keep saying there is missing documentation, but they can't tell me that means nor can they provide me what documentation is missing. 

The first account is titled is The XXXX XXXX XXXX XXXX, # XXXX. 

The second account is The XXXX XXXX XXXX account, # XXXX. 

I have talked with banking representatives and I have talked with customer relations representatives. Thus far the only thing that has been accomplished is to increasingly raise the level of my frustration.
Product: Debt collection

Today, XX/XX/2019 at XXXX p.m. I received a call from XXXX - XXXX - XXXX - XXXX. I answered the call and the caller asked to speak to XXXX XXXX. I said this is she. The caller then asked to verify my birth date. I refused and asked him to identify himself. He did not identify himself. He stated that this phone call could be monitored or recorded. I flatly asked him at that point if he was a debt collector. He did not answer me. Instead he said who have you spoken with? I said I haven't spoken with anyone. I again asked him if he was a debt collector. He stated he was calling from Wakefield and Associates. That is all. He did not give his name or say that he was calling regarding the collection of a debt. I informed him at that moment that if he was a debt collector he is supposed to inform me of that when he calls me. I hung up the phone. I have not received a return call from this company. I looked them up on the internet, and only then could I determine that this company was a debt collection agency. I left a review for this company outlining the correspondence that I had with them and that it was in violation of the fair debt collection practices Act.
Product: Credit reporting

The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected.
Product: Credit card or prepaid card

I opened the Amex card around XXXX, XXXX and used it on XX/XX/XXXX in the amount of {$10000.00}. Due to this charge, Amex requested for my tax information to verify income, which I had sent them many times in the beginning of XX/XX/XXXX. They kept saying that weren't receiving my information and loced my card, and still proceeded to charge me the Annual fee of {$690.00} and then charged me another fee of {$170.00} for Additional Card Holders fee. The balance came to {$11000.00} and minimum payment was {$10000.00}. 

I was sent a letter regarding the closer of my account to due " Failure to provide proof of income. '' In their account agreements, if the account is closed and it hasn't been 30 days since the fees were charged, Amex would refund ALL fees that were charged to the account. They only refunded the Annual fee of {$690.00} and did not refund the {$170.00} Additional Card Holders fee. 

I have paid the minimum payment of {$10000.00}, that was due on XX/XX/XXXX, on that date. The account balance had changed to {$130.00} after Amex had returned the {$690.00} Annual fee. There shouldn't be any balance left, and they should be owing me {$40.00} in cash. 

I have contacted them many times in XX/XX/XXXX, via online Chat and by phone. I can not remember when I called but I have online Chat history that started XX/XX/XXXX of my request for the return of the fees that were charged to my account. The agent says the fees will be refunded within XXXX hours. I've been checking for 7 days and there were still no FULL refund. I was still not refunded the {$170.00} Additional Card Holders fee. On XX/XX/XXXX I spoke to another agent who then told me that BOTH of the fees should have been refunded to me XXXX hours after the account had been cancelled. But there was only one fee of {$690.00} that was refunded. 

They sent a statement for XX/XX/XXXX, wanting me to pay {$130.00} by XX/XX/XXXX. I know what they are doing. They want my account to go past due for the amount of {$130.00}, then make charges to the account to add late fees and then put me on delinquent to mess up my credit score. I've read many reviews that this has happened to many people.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies in my credit report. These include incorrect account listings, unfamiliar collection accounts, unauthorized inquiries, billing errors, and other discrepancies. These errors negatively impact my financial profile, and I request your assistance in rectifying them.
Product: Credit reporting or other personal consumer reports

My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

Around XXXX XXXX XXXX I saw an ad online that Betterment was offering a Cash account that was paying 4.5 % interest, boosted to 5.0 % for the first 3 months. 
I set up a new account with them and asked to have {$2000.00} transferred from a XXXX account. I verified Betterment 's micro-deposits into my XXXX account to verify to XXXX that I had intended to transfer that money. On XX/XX/XXXX, XXXX sent the funds and they posted to Betterment Cash Account # XXXX on XX/XX/2024. On XX/XX/XXXX, Betterment 's boosted rate expired and overall interest rates had declined. I scheduled a transfer to XXXX XXXX XXXX XXXX which was also linked to Betterment as an external account. The transfer was supposed to take 3 business days. For 10 days the transfer showed as pending in my Betterment account, but not at all in my XXXX XXXX Account. 
On the XXXX day I called Betterment to find out the reason for the delay. All three representatives I talked to were dismissive and condescending, insisting that they could not complete the transfer of funds out of their institution until I gave them information about what they called the " XXXX Account '' and send them a color copy of my Driver 's License. They could not tell me where the money was, why it was not reflected in my Betterment Account, or why they could neither put it back and pay the current interest or send me a check to the verified address on the account or a external account that had already been verified. 
I refused to give them any other account information, saying that this is what scammers do and the whole situation, and the company itself reeks of fraud. They all three representatives informed me that if I did not reply to their email asking for the other bank account information, they would not release the funds or post them back to the Betterment account. All three representatives refused my request to speak to a manager or supervisor, saying I would receive an email response from a manager in 2-3 days. One of the " Customer Service Representatives '' even stated that she could not give numbers such as balances and transfer amounts to a verified customer over the phone. I worked for financial institutions for many years and I spoke to both my daughter who works for a credit union in Florida and a Manager at XXXX XXXX where I was trying to transfer the money. They both believe that Betterment is acting unlawfully at best, and almost certainly perpetrating privacy violations, fraud and theft. 
At the very least, I want all of my money out of that institution and interest for every day it was there. 
I have documentation, but the site would not upload. I will be happy to forward upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. 

my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries Credit Inquiries- Summary XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

my mother took my car for the day and got into a accident they told me not to worry about it and that my gap insurance will cover the costs of the vehicle a few months later it was on my credit so i called them and they said that i still owed them over {$3000.00} dollars it has been well over 4 years
Product: Credit reporting or other personal consumer reports

I have bankruptcies on my credit report ( XXXX XXXX  XXXX ) and ( XXXX XXXX XXXX ) that dont belong to me that has been linked to wrong name I have provided documents and tryed to get this fixed and this is clearly violated my FCRA rights, I know have filed a complaint with the state attorney general and my next step is for a law suit, This is ruining my life and I just want them removed and deleted from my profile cause they dont belong to me again Im sending proof, so I can have for my documents as well of how many times I tried to resolve this with the credit bureau and keeps coming back verified but theres no way when its not mine and I never been sent anything verification of this information belonging to me Please delete this I just want my rights as a person to be treated fairly again I will be providing documentation this does not belong to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian and XXXX to investigate XXXX accounts on my credit report because the balance is still not accurate. XXXX is reporting XXXX accounts with a balance of {$370.00}. I paid the accounts of completely so there shouldnt be a balance. Experian and XXXX fails to update the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, Experian, and XXXX disputing inaccurate personal information and inaccurate accounts reporting to my credit report. These letters were sent out on XX/XX/2023 and the letters were received by the bureau by XXXX XXXX. I never received any response from neither credit bureau. I have attached all the dispute letters to my complaint.
Product: Credit card or prepaid card

This company overcharged my credit card for the damages to the car A small dent and paint scraping. I was told they would hold money from my card till the insurances paid out the money. I have two coverages. The card and the rental agreement and they kept fighting back and forth about who pays out first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  BANK ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX Have violated my rights XXXX 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 the information is inaccurate