23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

in the month of XX/XX/2020, i changed my XXXX XXXX XXXX XXXX account and debit card information. after i was compromised by identity theft and someone using my card information to debit fund out. my last car note payment to cnac, jd byrider in XXXX, sc. was made following that month. i informed them i am no longer doing auto debit/draft pay. 
my compromised account and change of employment. 

this information was written down or verbally heared over the phone. 
then in the month of XXXX. i called in to do my payments with a new debit/credit card number. i informed them not to retain my card information for use an any practice. i shall only call in and authorize payments. the next payment in XXXX was automatically drafted out of my bank account. without my authorization and notice. 

i noticed this happened on the last week of XXXX. without my knowledge. i contacted my bank to investigate the charge and dispute. my new card was placed on freeze and any activity without my authorization would not go thru. 

CNAC company attempted over 6 times to remove funds from my bank account without my knowledge. In XXXX, the days of the XXXX, XXXX, XXXX, XXXX in the amounts of XXXX, XXXX and XXXX dollars were attempts to debit my bank account. using my card number given to them before. the card number given to them was not set on auto pay and was not made to be retained for any purposes. even to pay a car note without my call in and authorization. 

i looked up on the FTC website and south carolina website for laws ruling how to handle disputes over compromised accounts and breach of trust. 

it its illegal what they did and attempted to do.
Product: Credit card

I disputed 4 transactions months ago with the bank as I never received the packages. I reached out to all merchants with no response or either them refusing to refund or replace my orders. Therefore I contacted the bank to dispute the charges. The bank called themselves 'investigating ' although the only info they asked from me was the few questions they asked to file the dispute. They never reached out to me for any additional information and closed all disputes with the response of saying the charges were valid. The reason for the disputes was not to question whether the charges were valid. I made the purchases but never received the items I paid for and the bank refused to do anything for me and just closed the disputes because they were lazy. The transactions in question were At XXXX XX/XX/2023 {$610.00} XXXX XX/XX/2023 {$290.00} XXXX XXXXXX/XX/2023 {$230.00} XXXX XXXX XX/XX/2023 {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Jared account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact Jared and/or Sterling Jewelers via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with Jared. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX On XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX XXXX XXXX XXXX also sold my account over to GRANT & WEBER which are not attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report.
Product: Credit reporting or other personal consumer reports

Last week, I filed a dispute with Experian with regards to a late payment on my credit report. I notified them that the late payment should not be on there because I notified the original creditor that I wanted to cancel the agreement before they charged it off and they didn't communicate back with me.

15 U.S.C. 1681s-2 under the FCRA shows that furnishers of information are to report accurate and complete information to credit reporting agencies & investigate disputes . The original creditor didn't report complete information. Therefore, this late payment should be removed as per federal law.
Product: Credit card or prepaid card

It was Bank Of America in XXXX XXXX New Mexico. My debt card was stolen when I had XXXX. I was renting a room in New Mexico and someone went in my room apparently I have no idea who it was and 2 days later I went to use my credit debit card and I was gone. I called the bank immediately and I noticed that there were lots of charges in 1 day. The bank has the times and locations where they went, XXXX XXXX 3 times, an eye glass company, XXXX sporting goods, and XXXX there may be more stores the bank has locked me out of my account completely. It came to over {$3000.00} I told them to cancel the card immediately and that someone stold my card and to dispute all of these charges because put this money immediately back into my account and I am home isolated I have XXXX  the hospital tested me I was in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then I had a XXXX XXXX the doctor believe it was caused by the stress of Bank of America not helping me. I called the police they came out and made a report my card was stolen thats XXXX a criminal case. He said the bank should automatically put the money back after my report. I had a 2nd police report as well. I called XXXX police department to see if they can view XXXX tapes at XXXX stores because they had the times and locations the bank has all of this.they told me they only make reportsover {$5000.00} XXXX bank mad me come in that day to cancel the card even though I was so sick with XXXX. I made so many calls to the bank and spoke to the fraud department XXXX I dont have the dates of my phone calls and they refused to put the money back in my account itd them to go to the stores and view the tapes to see who it was because I was home sick with XXXX plus I never charged large amounts and I shop on line do to my XXXX XXXXXXXX Flairup and my XXXX since my XXXX XXXX XXXX XXXX XXXX XXXX at XXXX I only leave the house to go too docts and Hosp XXXX I take me XXXX dog for walks XXXX telling you this to show it wasnt me that made any of these purchases. I noticed my card missing on XX/XX/2021 I dont have my account information because when I call them they say my account is closed. I need help desperately to get this money back, XXXX XXXX XXXX XXXX I stay at home all day XXXX my XXXX Dog and dont interact with anyone. They told me I gave someone my card, I wouldnt even give my daughter my card to use. Thats why I told them to view the tapes at he stores. XXXX they said if I didnt give someone my card then I did the shopping myself. The bank should be sued its a disgrace for the XXXX Department not to do there job. I was my XXXX XXXX that who ever stold my card used most of my money that I needed desperately. Its a crime to steal someone credit card and the XXXX Department didnt do there job and never put this money back into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, 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 name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Hello, on XXXX, XXXX XXXX  I went to XXXX to finance a used vehicle. At the time of finance, I only authorized for my credit to be checked once in House. Now that I am reviewing my credit report, it appears that my credit was ran multiple times. This is affecting the number of inquiry that I have on my credit report, and it has a significant impact on my credit score.
Product: Mortgage

Freedom Mortgage Escrow Over- Charge - Freedom Mortgage Loan : XXXX XXXX TO : FREEDOM MORTGAGE FREEDOM MORTGAGE XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX have taken funds from my Escrow that was not rightfully due for payment of my XXXX XXXX XXXX XXXX 

Some Funds have been returned, but they have refused to return all the Funds Taken! 

ESCROW ACCOUNT OVER CHARGED : {$2800.00} I received a check for XXXX from XXXX Insurance : - {$1400.00} I received a check for XXXX from XXXX XXXX  : - {$960.00} Please Refund, ALL of the Funds Taken Balance Due : ( please refund ) - {$460.00}
Product: Credit reporting or other personal consumer reports

I was unable to access my account on 3/27 when I attempted to freeze my credit and reached out to TransUnion to resolve my problem. The first call they moved me to a messaging service, which looped me back to their password recovery service online. I had already used the recovery service and it had failed to work. I tried it again and it failed again. 

I called the number again and was eventually connected with an agent. They collected all my information and verified my account and then said they were unable to resolve my issue and I had to call another number. Fine, I call that other number and it turns out to be the exact same line. Same call menu. I get routed to an agent again and explained my situation. I asked if they could resolve my problem or if they were the escalation team. That agent hung up on me. Im unable to access my account, or recover my password, or freeze my credit score. Though I was scammed today and need to urgently pay are steps to avoid identity theft.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that all information on credit reports be accurate, complete, and verifiable. However, the reporting of this account contains multiple errors and inconsistencies, as outlined below : XXXX. Inconsistent Dispute Comments Across Bureaus : XXXX : Dispute resolved ; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution ; closed or paid account/zero balance. 
These discrepancies create inconsistency in reporting and could mislead creditors. 
XXXX. Late Payment Reporting on a Closed, Paid Account : The payment history shows multiple XXXX late marks for a closed account with a {$0.00} balance. This may be inaccurate or unverifiable. 
XXXX. Failure to Properly Update or Remove Dispute Comments : Despite the account being resolved, the dispute comments remain, suggesting the account is still under dispute. This is misleading and violates reporting accuracy. 
XXXX. Inconsistent Reporting Dates : The Last Reported date is inconsistent : XXXX : XX/XX/year> XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX. Inaccurate Payment History : If the payments were made on time, the XXXX late marks are improperly reported, violating the FCRAs accuracy requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus must follow procedures to ensure accurate reporting. The discrepancies in dispute comments and payment history violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes were filed and the information remains inaccurate or incomplete, the credit bureaus failed to investigate and correct the errors. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) has a legal obligation to report accurate information and correct errors once notified. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported for a closed account with a {$0.00} balance may be obsolete or incorrect.
Product: Money transfer, virtual currency, or money service

They advertise a bonus for referrals who sign up and send {$5.00}. Ive had 2 different referrals that qialified, but they refuse to give bonus. Every qualification was met, on time and as required. They refuse to give a reason for their denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed another copy of my credit report and noticed the following information regarding inquiries to be in error. The items listed are all unauthorized inquiries. They have pulled my credit report without my permission. I sent a dispute letter and a complaint letter to each company as well as Equifax and XXXX XXXX credit bureau without receiving a response. Below are the dates and the name of the companies. XXXX XXXX on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I have not applied for a mortgage nor a car with this company. The unauthorized inquiries were not a result of an action that I took, such as applying for credit or financing or as a result of a collection. The inquiries shown on my credit report are not a factual record of the companies who have accessed and reviewed my profile and should not have logged onto my credit report. This activity should not remain on record. I want the inquiries off my credit report. I did not sign and request any credit for any of the four places listed above. I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized and are not able to verify that the inquiries were initiated by me .Also I have not received any responses from them for over 60 days now. Kindly investigate my claim per the Fair Credit Reporting Act. for the unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX  and XXXX  credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX  which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  I CALLED EQUIFAX THEY COULD NOT VERIFY MY IDENTITY FOR SOME REASON XXXX I CALLED EQUIFAX AGAIN AND WAS FINALLY ABLE TO GET INTO MY ACCOUNT BUT I STILL CAN'T SEE MY ACTUAL REPORT DUE TO TECHNICAL ISSUES THIS HAS BEEN GOING ON FOR OVER A YEAR WITH EQUIFAX!

XXXX I DECIDED TO GO ONTO THE XXXX WEBSITE TO SEE ALL 3 BERUAS AND I FINALLY WAS ABLE TO SEE THE EQUIFAX REPORT THE REPORT IS OUTDATED I TRIED TO DISPUTE A LOAN THAT IS ON MY REPORT AND IT TRANSFERRED ME BACK TO EQUIFAX TO DISPUTE THE ITEM I WAS ABLE TO LOGIN BUT STILL NO CHANCE TO DISPUTE THE INACCURATE ITEM DUE TO THE WEBSITE. I CAN DISPUTE WITH XXXX XXXX XXXX BUT WITH EQUIFAX THEY'RE HORRIBLE!!

EQUIFAX HAS TOO MUCH GOING ON WITH THEIR BUSINESS AND IT'S PREVENTING ME FROM MOVING FORWARD WITH BETTERING MY CREDIT ON THEIR BEHALF AND IT IS NOT RIGHT.

THE SCREENSHOT BELOW HAS BEEN SAYING THIS FOR OVER 6 MONTHS! I DON'T HAVE ANY TROUBLE WITH THE OTHER AGENCIES. MY IDENTITY IS VERIFIED WITH EQUIFAX SO THIS SHOULDN'T BE A PROBLEM!

THANK YOU, TRULY HOPE THIS WILL HELP!