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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. I requested copies of the original signed documents showing proof of my signature from the credit bureaus and I never received them. I also filed an FTC complaint listing the name of the identity thief for prosecution. Therefore the credit bureaus are supporting fraud by continuing to report this false, fraudulent information : XXXX XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX XXXX {$6800.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$5300.00} Opened XX/XX/XXXX XXXX {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$130.00} Opened XX/XX/XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX/XXXX {$540.00} XX/XX/XXXX XXXX XXXX/XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX/XXXX {$1100.00} XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

First contacted the company three months prior to this filing. We were told the information needed to catch up to the credit reporting bureau. After time, and monthly payments made on time, since opening the account it still shows we are not paying and behind on this account.. This is hurting our credit score for something that is being paid on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to you regarding the Fair Credit Reporting Act ( FCRA ) and a complaint I have regarding your attempts to sue me for a debt while I am currently experiencing financial hardship. 

As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. The purpose of this law is to ensure that credit reporting agencies and creditors, like yourself, follow fair and accurate practices in their dealings with consumers. 

Despite my current financial crisis, you have chosen to take legal action against me for a debt that I am unable to pay at this time. This action is in violation of the FCRA, which prohibits creditors from taking legal action against a consumer who is experiencing financial hardship. 

Furthermore, the FCRA requires that creditors like you report accurate and complete information about a consumer 's credit history. In my case, I believe that your reporting of this debt has been inaccurate and misleading, as it fails to take into account my current financial situation.
Product: Credit reporting or other personal consumer reports

XXXX, unauthorized credit application from XXXX XXXX XXXX, unauthorized credit application from XXXX XXXX Possible social security breach
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to Transunion in regards to a dispute and the fraudulent accounts and benefits on my credit profile.
Product: Credit reporting or other personal consumer reports

I RECENTLY LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT .THESE ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT .ITS MY UNDERSTANDING THAT THE CREDIT BUREAUS WILL INVESTIGATE THIS ACCOUNT FOR ME TO ENSURE ACCURACY HERE ARE THE ACCOUNTS I AM ASKING YOU TO VERIFY FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.
Product: Credit card or prepaid card

My account was closed by Synchrony Bank in XXXX of XXXX for no reason. As a matter of fact, every account I had with Synchrony Bank was closed with no explanation. It was clear to me that the account was closed because I was a minority. After reading information on line, they closed a lot of people accounts for no apparent reason. As of XX/XX/XXXX, I made 100 % of my payments with all of my creditors on time. 

After Synchrony closed my accounts, I had to figure out how to pay the full card balances off at one time. So, I paid the lower card balances off first which included the following : Care Credit, JC Penny, Belks, Ashley Furniture, and Lowe 's. I missed payments on the other accounts because it was very difficult for me to come up with the full balances on these accounts. I was left with money being owed on my TJ Maxx, Paypal Credit, Paypal Mastercard, XXXX XXXX, and my Sam 's Credit Card. 

I spoke with a representative from Synychrony Bank about a settlement offer on my other credit cards. They agreed to make a settlement, but refused to send me a letter upfront with the terms of the settlement. I was told by a Supervisor that once the settlement was paid in full that I would receive a letter from them within 30 days. A total of {$760.00} was paid on XX/XX/XXXX. As of today, I have not received the settlement letter in the mail. In fact, in online account still reflects a payment that needs to be made by XX/XX/XXXX. 

They have been unethical practices in banking on their behalf. I am not sure on what rules they have violated, but I do not that this was false or misleading representation on the companies part, unfair practices, and abuse of power to say the least. 

As of today, the debt still appears on my credit report, a monthly payment is still owed, and I have not received a letter of the " good faith '' arrangement that was made with them as of today.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX
Product: Credit reporting or other personal consumer reports

A data breach occur with a few financial and medical institutions that has caused me and billions like me to have our personal data stolen and used without our knowledge, that has caused me to be a victim of identity theft and bad credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX  I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.
Product: Money transfer, virtual currency, or money service

Reference : KRAKENs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with KRAKENs wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing KRAKENs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with KRAKEN XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX XXXX Account Number : XXXX Account Number : XXXX  XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party 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 3rd party.
Product: Bank account or service

On Saturday, XXXX XXXX, 2016, I logged into my account at U.S. Bank and saw that my available balance was negative by about {$17.00}. I had been told previously by employees that if you deposit cash on the same day your account becomes negative, you can avoid overdraft fees. I made a deposit at the ATM of {$40.00} in cash. My receipt states that the deposit occurred XXXX/XXXX/2016 at XXXX. and that my available balance was {$5.00}. However, by Tuesday morning, I had received XXXX overdraft fees for a total of {$140.00}. 

From what I can tell from my statement online, my cash deposit did not clear my account until XXXX/XXXX/2016 ( essentially late last night ). I have been told in the past that cash deposits are available immediately, but it took 2 days for the cash to post to my account. Also on XXXX/XXXX/2016, I was charged an overdraft fee of {$36.00}. The deposit posted to my account first, followed by that overdraft fee, which I was not anticipating. Following those, also on XXXX/XXXX/2016, a slew of charges that had been pending on my account since the previous week cleared my account. I would like to note that none of these charges were made by me after I made my deposit at XXXX on XXXX/XXXX/2016. At that time, I was under the impression my available balance was {$5.00}, as my receipt stated, and made no more purchases. 

One of these overdraft charges was reasonable. After all, I did cause my available balance to go negative by purchases I made leading up to Saturday afternoon. However, XXXX of those charges are only due to the fact that the first overdraft charge put my balance back into the negative, and because of the order in which everything posted, XXXX of those charges posted against a negative account balance. Again, a balance that was only negative because of the overdraft charge. 

Here 's the other thing : those XXXX charges were already counted against me when they were factored into my available balance. I was charged an overdraft because my available balance went negative. If those charges had n't been pending, then I would never have overdrafted at all. Essentially, I 'm being penalized twice. Once when the pending charge is affecting my available balance, and again when the charge finally clears and posts against a negative account balance. This is inappropriate and unethical. 

I called U.S. Bank 's XXXX line to ask about this at XXXX. XXXX/XXXX/2016. The employee who took my call said that the first overdraft posted to my account on XXXX/XXXX/2016. If this is true, then the internal system at U.S. Bank apparently has different information than what my online account shows. This employee made no effort to explain the discrepancy, despite the fact that I have a physical receipt showing an available balance that did not include an overdraft fee as of XXXX/XXXX/2016 XXXX I made a sincere effort to bring my account positive, but apparently I did not have all the information that I needed to remedy my mistake. XXXX of those overdraft fees are just as much the bank 's failure as mine.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Employer - XXXX XXXXT Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

- On  XXXX   XXXX ,   XXXX   an over-payment of {$2700.00} was made to my  Chase United Explorer  Credit Card - On  XXXX   XXXX ,   XXXX   I requested a refund check in the amount of {$2700.00}. I was told  by Chase Custom er Service the check would be issued and I would receive it in  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to check on the status of the check. I was told the check had not been issued and that it would be issued, and I would receive it within  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to inquire on the whereabouts of the check. I was told it had been issued, mailed on  XXXX   XXXX ,   XXXX   and should be received in  1-2 days.     XXXX   XXXX   XXXX ,   XXXX   I called at close of business ( approx.   XXXX   XXXX    PDT )  as I had not yet received the refund check in the day 's mail. On this call I was told by the customer services representative that a total  of three ( 3 ) ch ecks had been issued on the following dates :  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX , respectively. Further, I was told that a fourth check would be issued and to expect that check within  7-10 b usiness days. During this call, while not understanding the logic nor rationale being presented to me, I decided to cancel the account to help expedite the receipt of the refund check.   - It appears that while Chase can accept my on-line payments withi n 1-3 business d ays, the reciprocal process is not available to its customers. I am left with the conclusion t hat Chase was delaying the refund in hope  that I would use the credit card and therefore lower the amount owed to me.   - Your help in this matter is greatly appreciated.
Product: Mortgage

I have had a forbearance on my home mortgage since the beginning of COVID. I have also been unemployed since the beginning of COVID. I was told on XX/XX/2021 by a bank employee that if I made 4 payments and got my missed payments down to 12 that I would be eligible for an unemployment forbearance. I was also told to call after the Federal holiday in XXXX and arrange the 4 payments and then I would not have a payment due until XXXX. I called today, XX/XX/XXXX, and talked to 5 different bank employees. The first 4 denied that there was any unemployment forbearance available and that all payments were due in full immediately. I was told that I would NOT qualify for anything else because I was still unemployed and already have a second lien by HUD on my mortgage. The 5th person I talked to said there is an unemployment forbearance available separate from COVID that exists for customers. I said that is what I need. I was told that I would not qualify and it wouldn't help me. He said that at the end of the month demand letters would be going out to all people who are 4 months behind in their mortgages. He said " If you want us to put handcuffs on you, we will. '' This is an outrage. I am able to make 4 or 5 or even 6 payments today. He told me that those payments would not help me and I would just lose the money. This is predatory lending. This is a problem. I hope the United States Dept of Treasury hurries up and puts in place some protections for people like me.
Product: Debt collection

On XXXX XXXX 2010, I gave XXXX XXXX a 30 day notice to vacte the property. I was cleared from the property with no fees for damages or repairs. I had lived there for 3yrs, it was considered normal wear a tear. According to Texas law you have 30 days to charge a tentant for damages. After I moved out the owner changed property managers to XXXX XXXX XXXX. At some point and time the owner and XXXX XXXX did another inspection in XXXX. And is trying to charge me for the repairs they made. It was way passed the 30 days to charge. The collection was done by XXXX XXXX not XXXX XXXX, the property manager that cleared me from the residence. So how can 2 months go by and they decide to charge me. I beleive the residence was vacant until that time. The repairs are petty in my opion. I do n't understand how can there be so much damage. I was XXXX for XXXX months out of the 3yrs I was renting the residence and I lived alone.