23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/, I received an email from Avant regarding multiple unauthorized charges on my card. After speaking with their fraud department, I was assured that the issue would be resolved. However, despite several attempts to contact Avant through different departments, they have not yet addressed the issue of fraudulent charges on my card. I even sent an email to their customer service on XX/XX/, but as of XX/XX/XXXX, there has been no attempt to address the issue. Avant has kept the charges on my card, which amounts to over {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Product: Debt collection

I am writing to bring to your attention a matter of grave concern. It has come to my notice that there is a debt collection against my name for a vehicle purchased from XXXX, which I would like to clarify is not my debt. The alleged debt arose from a purchase made by my ex-husband who fraudulently used my identity to obtain the vehicle. 

I have previously informed XXXX multiple times that this debt does not pertain to me as my ex-husband was the XXXX responsible for the purchase and subsequent payment arrangements. Moreover, during the unprecedented times brought about by the XXXX pandemic, my ex-husband was misled into believing that his payment obligations would be deferred for XXXX months, leading to further confusion regarding the status of this debt. 

I want to emphasize that the debt in question has already been paid in full by my ex-husband, and therefore, it is unjust and incorrect for it to be associated with my name. I urge you to investigate this matter promptly and take necessary actions to rectify the mistake, as it is causing unwarranted stress and inconvenience on my part. 

I trust that you will address this issue with the seriousness it deserves and provide me with a resolution at your earliest convenience. I appreciate your prompt attention to this matter and look forward to a swift and favorable response. 

Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion 's website for freezing credit, if you are not buying for a pay-for service of theirs, keeps responding with an error message. Apparently, and if you XXXX this issue, you can not sign up for freezing your credit with TU unless you buy something from them. This is an ongoing issue according to several forums. XXXX and XXXX problem freezing credit but TU, without buying something, not able to do it. Aren't the credit reporting agencies required to let you freeze your credit without having to purchase a service?
Product: Credit reporting or other personal consumer reports

My last dispute TransUnion states that this account for XXXX Came back verified as accurate. They also mailed me documentation of how they verified this. 1. I have never received any documentation of how this was verified. 2. Please explain to me how you verified an account as accurate when it allegedly has a status of charge off, but is reporting its still open??? 3. Please explain how you verified a balance as accurate when you have no payment history, no payment amount, and no interest rating. So either 1. Validly explain how you verified an account that is being reported as charge off and is open. As accurate?? 2. To verify the balance, ( A ) I want to see every single payment made or not paid. Not the companies records but the record from the third party payee which they would have because this was on direct withdrawal for payment. ( B ) If there was an alleged miss payment, I want to see where was denied from the third-party pay ( C ) the interest rate and I want to see the interest rate that is on the contract with my wet signature since youre saying that you verified, this is accurate as mine ( D ) explain to me why this is not on XXXX or XXXX and theyve already removed this, but youve verified it as accurate. On my pervious complaint, it was stated TransUnion verified. This is accurate because they called the creditor. And this was done on a re-investigation. also, this is not my first time submitting a verification of investigation you had 15 days back XXXX of XXXX. And there was no explanation of investigation ever sent to me. So therefore, this should be deleted. And as Ive stated before, this is not my account, my account was closed back in XX/XX/XXXX. This account is being reported as open. This is not my account. I believe this is some kind of mixed file. And just because youve contacted the creditor and they stated over the phone that this is what happened unless that person has personal knowledge which means they actually seen every single payment Ive made and are willing to go to court raise their right hand under oath and state theyve seen every single payment made. Theyre just reading what they have in the computer. They dont know either. Thats why Im asking for verification and TransUnion is following FCRA rules.
Product: Credit reporting

I had disputes sent out on XXXX and never got the reply within the 30days that they are supposed to send the results. I called and they said they never got anything since XX/XX/XXXX which is a flat out lie, because I have other letters dating.
Product: Debt collection

After receiving a letter of representation from my attorney, the creditor continued to communicate with me instead of my attorney.
Product: Credit card or prepaid card

I opened 24 month interest free promotional account for the purchase of appliances. I made minimum automatic payments which I thought would pay off the loan in 24 months but that wasn't the case. Also I did not receive my appliances until XXXX so I thought that is when the promotion began. Again that was not the case. So when I received a gigantic interest charge on my account in XXXX I called customer service to find out why. The customer service rep told me that if I pay off the principal by XX/XX/XXXX I would not incur any interest charges. I called XX/XX/XXXX ( today ) to pay off my principal. I spoke to XXXX who listened to the call between XXXX and I and she told me I was given misinformation. That I was lied too. So now I have 30 % interest on the original loan for 2 years that I can not pay. It is predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Today, XX/XX/XXXX XXXX informed me that my MOHELA account was reported on XXXX and in XX/XX/XXXX. Somehow this information plummeted my XXXX XXXX XXXX points! XXXX seems to think this is a newly opened account or something else erroneous. This account is currently being reviewed for loan forgiveness and PSLF. Separately, yesterday XXXX I filed a FASFA just to inform dept. of ed that I **may** consider requesting another loan for a XXXX program. Yet, I never applied for a loan. I don't know if this is what prompted some sort of alert, but the FASFA should not be read as an actual loan application. There should have never been a credit inquiry on this action at all. I give this information because the timing is likley not coincidental. I don't know what exactly has prompted my credit score to be negatively impacted, but I am asking Mohela to promptly submit a correction to all 3 bureaus. I have worked *extremely* hard to fix my credit in the past years as I am recovering from long-term illness, layoffs, and divorce. This is incorrect information and it is impacting my livelihood. Please correct this immediately. My credit score was XXXX with XXXX as recently as 2 days ago. I will be filing similar complaints with the credit bureaus, the dept. of education, the attorney general and any other entities. In one day my score was dropped XXXX points and I had no warning or any disclosure that this would happen. I have already submitted a dispute to XXXX on XX/XX/XXXX. At this time XXXX and XXXX do NOT show this negative action, but I presume they will eventually. Please alert them to not consider this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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 . INQUIRIES : US SM BUS ADMIN ODA | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my Early Warning Services report, which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

Early Warning Services Report : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX - OH Account # : XXXX, XXXX XXXX IL Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that Early Warning Services conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID - A copy of my Early Warning report - A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
Transunion : XXXX XXXX /XXXX XXXX  XXXX XXXX. XXXX : XXXX Transunion : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent inquiry on XX/XX/2019, that resulted in a credit card that was approved. I immediately contacted the credit card company and they closed the account and issued me a letter of apology and acknowledged it was fraud. 

I contacted Equifax to dispute the inquiry online on XX/XX/2019. Within a few days, ( XX/XX/2019 ) Equifax came back with " Inquiries are a factual record of file access. '' This can not be true based off of the letters sent to me by the credit card company. 

It is my contention that Equifax did not properly look into this serious dispute. Had they done so, they would have come to the same conclusion as XXXX XXXX and I did -- that this was a fraudulent inquiry and should be permanently deleted from my credit report.
Product: Payday loan

To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times. 
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 3 US Bank Visa Gift Cards. All 3 of the cards were properly purchased but all 3 are still not working. The receipt says Activation within 24 hours. I called US Bank Support ( XXXX ) on XX/XX/XXXX. They informed me to fax in the following : 1 ) Receipt 2 ) Front and Back 3 ) DL 4 ) Mailing Address 5 ) phone number to fax number XXXX. I did this and confirmed fax was delivered. I'm providing what I faxed in the attachments. 

I have called about XXXX0 times on various times on XX/XX/XXXX asking for an update as all 3 cards are still not working, but support number says they are busy and to call back later.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 7681. Account name : 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. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$22000.00} 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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.

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 then seven years.
Product: Checking or savings account

On XX/XX/XXXX, my Moneylion debt card was stolen. The person who stole my card use it without my authorization. I filed a dispute with Moneylion. Waited over a month, and was denied my provisional credit.
Product: Credit reporting or other personal consumer reports

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX-day deadline stated in your previous memo.
Product: Debt collection

I am beyond frustrated and exhausted by this situation. I recently discovered a debt on my credit report that I do not recognize, did not authorize, and have no knowledge of. Despite this, I am being harassed from multiple platforms, even facing baseless threats of legal action. This is a complete violation of my rights as a consumer, and it is negatively impacting my XXXX XXXX
Product: Credit card or prepaid card

Cash app closed my saying that I violated my account but I havent used my account since XXXX XXXX then when I try to ask them how I violated the terms I get no response or they are being rude hanging up on me but nobody has given me the exact reason to why my account was closed and I have used that account since XX/XX/2021 I used that to pay my bills and everything and there is no explanation as to why they shut my account and also my daughters account which was connected to my account I have never misused my account because I need it for important things
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with XXXX, equifax and XXXX about XXXX XXXX on my credit file, XXXX the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX XXXX XXXXXXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX