23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Collection XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$1100.00} Collection
Product: Checking or savings account

My card was stolen by someone and used for multiple charges on my account. Multiple charges were processed and allowed to go through. I did not know about them right away because I did not have my phone as it was lost. When I finally received my new phone I saw charges were made on a site called XXXX. I contacted this merchant and they confirmed that the incorrect debit and credit card details regarding the billing and shipping address were made however chime still approved the purchase to go through. Even though this is 100 percent proof of fraud. If someone gets your bank card and puts the name on the card and the card number thats not enough for the charge to go through. They must also have the correct billing and shipping address. However they did not. Somehow chime bank approved this purchase and many others even though I reported them as unauthorized. They denied my claim saying they found NO ERRORS. Which is 100 percent FALSE. The merchant XXXX confirmed with me that the billing address and shipping address used to make the purchase was in fact the wrong address. This is a ERROR. So it seems Chime bank is just denying claims without even properly investigating them.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On or about XXXX ( Xoom transaction # XXXX ) I attempted to send money and the transaction was to be immediate. My bank account was debited XXXX USD. 
The transaction then was reported to be on hold and a delay was imposed. 
On or about XXXX I contacted Xoom and was told the transaction was to be delayed further, I then canceled the transaction and I was told I would be refunded three days after the funds XXXX was received. This was odd since my bank was electronically debited XXXX on XXXX. 
On or about XXXX I received the inclosed email stating a refund was initiated and will take three business days. 
Today on or about XXXX I called Xoom and was told that XXXX has not been received and it will be refunded three days after receipt of the funds.

Prior to this transaction Xoom has kept funds from the below transaction. 

On XXXX my bank account was debited XXXX and money was sent on Xoom transaction # XXXX, it was canceled on XXXX. 
I contacted Xoom and was told the money was deposited in my bank account. 
I have not seen a credit to my account todate.
Product: Credit card

On XX/XX/year> I found a surprise new {$1.00} fee on my Synchrony Lowes account. I contacted them and asked what it was for and that they remove it since I never authorized it. They claimed that it was a new paper statement fee that I had to accept if I wished to continue receiving a mailed statement each month. They also claimed that they had informed me of this previously, even though I was not aware of it. They gave me a one time " courtesy '' reversal and I begrudgingly accepted paperless statements. 

Then on XX/XX/year> I found several articles indicating that this policy is not lawful in several states, and that CA is one of them ( Found here - XXXX XXXX XXXXXXXX ). They state that CA has a prohibition against CC companies charging customers additional fees to receive paper statements. I contacted Synchrony Lowes again and specifically asked why they were trying to charge for paper statements when it was prohibited in CA and they refused to directly answer that question. They said I could either agree to be charged for paper statements, go paperless, or have my account closed. 

Both times their " support '' agents refused to provide me with a copy of the " support '' chat transcript, claiming that Synchrony " doesn't use email '', even though they'd told me in the same chat session that " Synchrony would be emailing me a statement ''. 

I can provide additional info if requested.
Product: Debt collection

Called me at work. Told not to call at work! XXXX XXXX from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my credit score on Equifax as of XX/XX/2022, my XXXX XXXX has a balance of {$2700.00}, and XXXX XXXX reported that as of XX/XX/2022. 
However, per XXXX XXXX statement, my balance is {$1800.00}.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

I am filing this complaint against equifax and transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Transunion consistently responds within 24 hours stating the account accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. XXXX XXXX is the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( 12 ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Personal Loans Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



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

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX  XXXX  Services Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



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

15 U.S.C 1681 section 602 A States I have the right to my 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

XXXX XXXX  has been told that this 5othe XXXX   XXXX  on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company put a derogatory account on my credit report that I had no dealings with and when I contacted them they told me it was to long ago and they dont have any documentation to provide because of the date. This account is not mine and under 15 is code 1666 ( b ) ( 2 ) the company that is trying to obtain payment must validate the debt and they never have. I asked them to send me documentation proof proving that this debt is mine and to this they have not and without validation of debt it must be removed. Please remove this fraudulent account from my credit report ASAP! This debt isnt on any other report but XXXX so it must be resolved immediately!
Product: Credit reporting

Experian is reporting foreclosure " started on '' our my husband and my XXXX XXXX mortgage which is n't true. I demand they remove this status because it is causing us an issue with getting a loan. We have tried disputing with Experian through a paper dispute process as well and we have n't been able to get this corrected.
Product: Checking or savings account

I have been dealing with cash app regarding XXXX fraudulent transactions since the first of XXXX I have contacted them daily since only to be lied to hung up on claims closed and now waiting on a provisional credit only to be lied to again when no credit has been issued. I have spent hours on the phone trying to resolve the XXXX transactions XXXX for {$67.00} to XXXX XXXX ( I have no idea who that is nor can I contact the company as accordingly to XXXX the company doesnt exist ) the other XXXX transactions are to a XXXX XXXX  XXXX is for {$9.00} which was found to be fraud and refunded the other for {$77.00} I still am XXXX for. I was told on XX/XX/2022 the provisional credit had been issued when I couldnt find it in my statement online or anywhere I called again this morning only to be told my case was closed and there are no updated. I asked to be transferred to someone in that department as I got through to XXXX person XXXX time only to be told by the representative that they only communicate via email. I need my money and I will never deal with cash app again. Its obvious that those are fraud as one has already proven to be. I would appreciate some help as I am at my wits end and just want my money back. The lies are unexceptable! I trusted them with my money only to have them refuse to keep my claims open long enough to allow for the investigation. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXXXXXX XXXX - XXXX {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$2800.00} XXXX - XXXX $ XXXX XXXX  - XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$410.00} XXXX - XXXX {$460.00} XXXX - XXXX {$20000.00} XXXX - XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX  XXXX - XXXX {$80.00} XXXX  XXXX XXXX XXXX {$200.00} LATE PAYMENT : 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

Company report collection balance of {$610.00} on XX/XX/XXXX Sent letter regarding 15. U.S. Code 6802 on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  XXXX  : # XXXX XXXX XXXX  : # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I requested documents and my wife requested documents regarding this loan. This loan is fraudulent. I was a victim of idtheft and we requested all necessary documents to provide to the police department. Nfcu refused to give me or my wife an email address to request the documents. They also refused to investigate the alligation XXXX years ago and charged the loan off. I'm working with my local authorities on this. Matter
Product: Mortgage

I Refinanced with new day usa this year. In XXXX i was removed fron new day to a company named XXXX  XXXX i called new day on XX/XX/XXXX to find out where my XX/XX/XXXX payment and was told i was no longer with new day usa. they gave me a number to call for XXXX  XXXX. I called the numberi was given XXXX and was told i would have to wait 30-60 DAYS AND HUNG UP.i HAVE MISSED MY XX/XX/XXXX PAYMENT. I have heard nothing from this new company. I have no idea what has happened to my payments made to new day or my escrow account for my taxes or home insurance. This is no way for vetrans to be treated on there home loans .I have not heard any thing from these companies. thank you
Product: Checking or savings account

I have a business account with Bank of America and I am the legal representative. On XX/XX/year>, at XXXX XXXX, I went to make a deposit at an ATM while visiting my sister. I mistakenly deposited the money into a XXXX XXXX  ATM. I inserted my Bank of America card, which the machine accepted and read, allowing me to proceed with the deposit. I deposited {$4900.00} in cash, but instead of canceling the transactionwhich would have been the logical actionthe ATM retained my money and issued a receipt. The receipt was in XXXX, my first language, and stated that an error had occurred, and that the funds could neither be credited to my account nor returned. It instructed me to contact my financial institution using the number on the back of my card, and thats where my nightmare began. 
I went in person to the XXXX XXXX branch where the ATM was located to seek help. Their response was that I needed to contact my bank to file a dispute so they could facilitate the transfer of the money to my account. I then called my bank, Bank of America, and was told they could not assist because the issue was with a XXXX XXXX  ATM. When I contacted XXXX XXXX again, they told me it was up to Bank of America. After more than XXXX calls on the same day, I decided to visit the XXXX Bank branch in person at the end of the day and spoke with the XXXX. She reiterated that she could not help because the ATM service was outsourced and she did not have access to the money. We needed to contact my bank ( Bank of America ) to open a claim so they could facilitate the transfer. During this call with the XXXX present, the advisor initially repeated the same information but eventually provided us with a claim number that turned out to be false. We were told to wait XXXX business days for a response. 
On XX/XX/year>, we called again and were informed by an advisor that the claim number was not valid and was only a call reference, meaning we had not received a genuine resolution. That same day, we returned to the XXXX XXXX branch and spoke with the XXXX again. We called the bank once more and were finally given a valid claim number. This occurred on XX/XX/XXXX. A few days later, we saw the {$4900.00} in our account, so we assumed the dispute had been resolved. We did not check the account again until yesterday, as it is a business account reserved for a project that is on hold. We discovered that the money had not been debited. When we called for an update, we were informed that the money could not be found, and XXXX XXXX has not provided any answers. Essentially, we do not know who has our money despite XXXX XXXX accepting it at their ATM. XXXX bank blames the other, but neither provides a solution, and I need my money. Neither bank offers clear guidance on the exact process we should follow, and I feel as though I have been robbed.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONSTAR I S FAILING TO REPORT THIS ACCOUNT ON  XXXX
Product: Checking or savings account

Wells Fargo charged me several different amounts every month from my checking account without my consent. There were also many charges to XXXX that were always done through Wells Fargo and not through XXXX. I had many fraudulent charges which caused me to request new debit cards several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Debt Relief Center, XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX stattng I owe an estmated {$27000.00} in credit card debt, they can reduce it to {$13000.00} if I join their program and pay them {$400.00} a month. I do not owed anything close to {$27000.00} in credit card debt. Based on what I have read online, the phone number they give as a contact number - XXXX goes to a call center. I have filed a complaint with the XXXX XXXX XXXX. 
I have never heard of this business. Where they stole my information I donot know, yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Product: Money transfer, virtual currency, or money service

My XXXX account was closed recently, I requested it closed due to an unauthorized transaction on XX/XX/20 in the amount of XXXX to a XXXX or a name similar thereof. There is currently a balance in the amount of XXXX in my account and I need a check sent for this amount plus XXXX, a total of XXXX. As explained to numerous XXXX reps and again here, I do not know this person, XXXX, I do not send money to any person I do not know. Most recently, a XXXX with XXXX attempted to refer me to authorities about the matter, stating to contact them if I believe I am a victim of a scam/fraud. Unfortunately, the police can not reimburse me for the transaction and XXXX as well as other XXXX reps are aware of this, referring me to police is merely a runaround. This transaction was reported as fraud the same day I saw it on my credit card account as pending at the time, reps have done little to investigate aside from verifying log in activity which I did not log in that day. I wish to reiterate that I do not know the person, XXXX, he or she appears to be using the account to sell themselves for XXXX, which is a violation of XXXX  terms of use. XXXX reps will not look into this or reverse the transaction out of the person 's account, refund me.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXX XXXX  ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day 31 after the due date. 

I later learned from a XXXX  XXXX XXXX Mortgage Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( XXXX, XXXX, and TransUnion ), but it remains on my credit report. 

To resolve this, I visited a local XXXX  XXXX XXXX branch and spoke with a manager. I also called customer service at least XXXX times, but my goodwill request was denied despite my 18-year banking history and previously clean payment record. 

I am requesting that XXXX  XXXX XXXX update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX BANK XXXX Account # 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 an account without my written instructions.