23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a fraud claim for multiple transactions on my BOA credit card : XXXX {$42.00} XXXX {$180.00} XXXX {$37.00} XXXX {$36.00}. 

I immediately reported these transactions, and my card was subsequently closed. I was told the investigation could take up to 60 calendar days. However, my claim was rebilled to my credit card on XX/XX/2021. I didn't even see a reasonable explanation as to why my claim was denied. ( The representative I initially spoke with misfiled the claims and I had to call in again to add the additional fraud charges. ) I am being held responsible for these fraudulent charges, although my credit card wasn't in my possession during any of these transactions ( which I notably reported to the claim specialist at the time of my claim ). I did not consent, nor am I acquainted with the individual who stole my credit card and used it. BOA didn't do a thorough enough investigation into the matter and closed it without a sound resolution. I bear no responsibility for any of these fraudulent transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Complaint ID : XXXX XXXX / DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Method of Verification Pursuant to 15 U.S.C. 1681s-2 ( e ) Dear TransUnion : I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ). 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act. 

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information.

Please send all correspondence related to this matter to the address listed above. I appreciate your cooperation in ensuring compliance with the Fair Credit Reporting Act.
Product: Consumer Loan

Instrument Rental : KINUM XXXX Kinum was the Instrument rental company that my Son 's school ( XXXX XXXX XXXX in XXXX Texas ) used. 
XXXX of 2013 the Instrument was returned to Kinum. My Son passed away XXXX XXXX 2013. These villains are still showing this as a collection account on my credit report. I am not in possession of the receipt or the musical instrument. Kinum took the instrument as well as the receipt when I brought the instrument back to XXXX XXXX XXXX in person. They told me they needed the receipt to conduct inventory and that they would mail the original receipt to me. Something they obviously never did as promised.
Product: Credit card or prepaid card

I am writing about Pay pal credit Account : XXXX XXXX XXXX XXXX I have sent to paypal an explanation situation letter and check in the amount of {$550.00}, my letter asked for my account to be reviewed and considered to revise balance. All this time I thought paypal accepted my final payment to settle my account but still showing a balance on my my XXXX consumer report. 
Paypal only took payment and didnt advised of anything. They should have contacted me to advise a settlement amount or sent an answer letter of my letter sent with payment. Paypal should have sent some type of notification.

Additional evidence upon request.
Product: Credit reporting or other personal consumer reports

This is the second complaint I have made about XXXX XXXX. I am an endorser on a couple 's loan for my stepson. I paid off the loans in full in XXXX XXXX XXXX XXXX XXXX hasn't reported the loans to the credit bureau. On their website, they said they report every month to the credit bureau. The last time they reported to the credit bureau was in XX/XX/2023. Every time I call, they say the amount is to large and it'll take sixty days. It has been over sixty days. Am I supposed to take legal action against the XXXX XXXX  or the Department of Education to have the situation solved? I need to buy a house, but because of that, I can't do it.
Product: Vehicle loan or lease

The XXXX XXXX XXXX was repossessed XX/XX/XXXX. It was auctioned off the following month, XX/XX/XXXX. American Honda Finance has violated 38 CFR 36.4283. American Honda Finance sends me bills and debt collection statements monthly stating that I owe {$7600.00}. I demand the Repossession be removed from my credit report immediately and I request to be compensated for the violation. Thank you. 

Dates of attempts to contact American Honda Finance : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information contained within my credit report, which I obtained from your agency on [ XX/XX/year> ]. Upon reviewing the report, I discovered inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( B ).

The inaccurate information pertains to charged off accounts that have been deemed income according to the IRS. By law charged off accounts can not be reported as debt on my credit report. Each credit failed to properly document these items, therefore they must be removed from my report. This information is incorrect and does not reflect my financial history accurately. 

Under 15 USC 1681 ( e ) ( B ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The presence of inaccurate information on my credit report not only violates this provision but also undermines my ability to obtain credit on fair terms. 

I respectfully request that you investigate the disputed information and, if found inaccurate, remove it from my credit report as soon as possible. Additionally, pursuant to the FCRA, I request that you provide me with a free copy of my corrected credit report once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019,XX/XX/2019, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and XXXX XXXX XXXX. Submitted them everything and they keep asking for more information and not processing disputes.
Product: Mortgage

I made a partial payment prior to receiving a " trial '' payment in hopes of getting a loan modification. {$1300.00} Rushmore loan management is refusing to allow me to apply the {$1300.00} money in the suspense account to my trial payment. 

They are inhibiting me from successfully completing my trial payments. 
They are holding my money, they will not send it back and they will not apply it. 
In essence, they are stealing from me. 

They want their customers in foreclosure to fail to make trial payments. 

RUSHMORE NEEDS TO EITHER ALLOW ME TO APPLY THE {$1300.00} to my XX/XX/XXXX payment or they need to send the money back to me immediately.
Product: Credit card

Navy Federal is denying a fraud claim that I submitted for fraud that occurred on my credit card ending in XXXX. Attached is the letter that I got in the mail letting me know that this {$9800.00} in fraud was actually " no billing error occurred ''. According to them I just did these purchases myself. 

The fraudster made away with {$9800.00} of my money and I'm on the hook for it now. There is no proof of any of this transaction being me. Someone is using my name, my identity, my email and phone number to make this purchase so that it looks like me. They might have fake ID or something in my name, they might have my social security number. I don't know to what extent I'm being taken, but I know this {$9000.00} was fraud, and Navy Fed is not resolving it in my favor. 

I want to see ALL of this proof that shows this transaction being me because it most definitively is not. Just the fact that the order was in my name or someone use my personal information doesn't make it me... seriously it's ridiculous. I need this money back, and if not I'm filing a lawsuit. 

This transaction was not me and can not be proven to be me. I've disputed it as fraud the way I am supposed to with them, but now they want me to pay the {$9800.00}? Absolutely not. Please help me and go after them for my money that was stolen. I will report this again and again and sue Navy Fed if need be for this money. I am not letting a fraudster take tens of thousands of dollars from me. This is ridiculous. 

Attached is a photo of the letter I received in the mail. I accidently ripped it but you can still make out what it says.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account Procollect inc balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. Capital XXXX XX/XX/XXXX 2. XXXX bank Delaware XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5 foursight capital llc XX/XX/XXXX 6 regional acceptance XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX  XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXXXX/XX/XXXX 14. XXXX XXXXl XX/XX/XXXX 15. XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 17.XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XXXXXX/XX/XXXX 19. XXXX XXXX XXXX XXXX  XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23.XXXX XXXX  XXXX XX/XX/XXXX 24 XXXX XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 28.XXXX XXXX XX/XX/XXXX XXXX XXXX 1. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX tx XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX tx XXXX 4. XXXXXXXX XXXX XXXXXXXX XXXX XXXX tx XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX 6. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  tx XXXX 7. XXXX XXXX XXXX XXXX tx XXXX
Product: Credit reporting or other personal consumer reports

I've been having the worst experience with XXXX and Equifax regarding their lack of properly investigating inaccurate information on my credit reports. The same accounts that I disputed with XXXX came back as unverifiable and the accounts were deleted from my report. I don't understand why the same accounts came back as verified with XXXX and Equifax. This further proves that they did not investigate like they should have. See attached documents.
Product: Credit reporting or other personal consumer reports

While logged into my account on my home computer, the same one I have logged into from for months, I was booted out of my Equifax account. I was then unable to get back in and was instructed to call customer care to fix the issue. 

After XXXX minutes of explaining to the first tier of customer service that the problem is not on my end ( I was asked if I was using a XXXX XXXX times ), I was told that they are escalating it to their technical team and it will hear back in 7 days. Which is, obviously, an unacceptable timeframe. 

XXXX days alter, I call again. I am told there is no record of an escalation and that they will now do an escalation and to wait another 7 days. 

Meanwhile, I have no access or control over my account and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report today and I saw some inaccurate accounts there. I thought that it was a glitch since I always check it but it was not. I do not have any idea why those are in my credit report so please review the documents I've sent.
Product: Money transfer, virtual currency, or money service

Issue with Ria money transfer service. 
I send money to my XXXX account XXXX usd.but they deposit my money to wrong account. 
In receipt my account no is shown XXXX. 
But my actual account is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
XXXX XXXX. 
So I already talked with RIA money via email ... they accepted that money transfer to wrong person. 
Now they don't give me my money back. 
They waiting for money back from that person where they deposit. 
RIA money every time send me email " your money recall is in process " But up to still today I don't get my money back. 
Transfer details PIN : XXXX Transfer date XXXX XXXX. 
XXXX usd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved items on my credit report. I have previously submitted disputes to the credit reporting agencies, as required by the Fair Credit Reporting Act ( FCRA ), but despite these efforts, the inaccurate information remains on my credit report. 
I have attached copies of the relevant documentation, including previous correspondence with the credit reporting agencies and any supporting evidence, to substantiate my claim. 

XXXX XXXX ( XXXX # ) XXXX XXXX XXXX XXXX ( XXXX # ) XXXX
Product: Money transfer, virtual currency, or money service

The date of the occurrence is XX/XX/22 the amount is {$100.00}. I used CashApp to send money to someone, I sent it to the wrong person. I contacted CashApp through the apps customer service as instructed and was told that since the transaction was completed that they could not issue a refund and to contact the person I sent it to or request a refund through the app. Upon doing so, I was told the person I sent it to had an outstanding balance with the apps borrow feature and once sent my money was automatically applied to that balance. I contacted CashApp customer service and after numerous attempts because I was hung up on several times because supposedly my account could not be found, I was told that my money was gone and that the person I sent it to should either pay off the outstanding balance and then borrow the money back to pay my money back or pay my money back personally. I asked if the person the money was sent to receiving money that was not intended for them violated the companys policy how could my money not be returned to me? I also asked why is my money being used to pay off someone elses debt owed to that company? And if all available funds in the receivers account will be used towards the outstanding balance, why is it the smaller amount that I sent to the receiver, intentionally, was not taken as well? My questions were not answered and I was disconnected each time.
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. 

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  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 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 seven 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: Consumer Loan

I am currently making payments toward a loan I made with XXXX XXXX, which finances through Wells Fargo. I receive calls daily from Wells Fargo, even though I am making payments toward the past due balance. I pay {$100.00} to {$200.00} each month, I can not pay more because I have student loans, car insurance, and car payment. Furthermore, each time I pay, I do not see the balance decreasing. It can not be there interest rate because, they charge me $ XXXX for the interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge off CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''