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

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I've had multiple attempts, both successful and unsuccessful, to open a credit card under my name-specifically American Express . American Express is aware of this. 
I also had my bank debit card number stolen to use to buy a phone from the XXXX XXXX on XX/XX/year>. 
Someone has attempted to change my mailing address and phone number. This is my correct info for the past 7 yrs : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX I do NOT have a California address or phone number at all, nor have I ever. This keeps showing up on all of my credit reports, and it needs to be corrected.
Product: Money transfer, virtual currency, or money service

Last year I withdrew from my XXXXXXXX XXXX  with XXXX XXXX. I entered an extra 7 in my USAA account number. I contacted USAA and they requested a Letter of indemnity from. XXXX XXXX. I uploaded, faxed, and XXXX XXXX mail the XXXX to USAA. USAA refused to deposit my money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I believe this is the agency that has been hacking into my accounts using fake XXXX accounts Received a letter from them has my social security number listed! Stating that I own XXXX XXXX money. 

Was not XXXX Bank obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using Discover Bank hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX XXXX cards to the amount of over {$40000.00}! This funds sent to a fake XXXX credit card account! 

Discover Bank NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XXXX of XXXX  I became XXXX and sent a claim into Discover Card to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/2012 XXXX I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at Discover Bank or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # XXXX! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake Discover card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! Discover Bank has been ordered by several federal court to stop setting up fake accounts in class action law suites!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Product: Credit card or prepaid card

I traveled overseas 4 months ago, prior to my departure from the United States I notified my credit card company Capital One that I would be away an unspecified.. 
Peirod of time.. I've used my card regularly during this time. i never had a problem and always paid my bills on time, yesterday my card was canceled because of suspected fraud I did nothing different I just use my card to make a purchase online. I called Capital One three different times and was told the first two times the fraud department was closed and as soon as they open they could fix my problem I waited 10 hours for the fraud department to open and Upon returning the call was told that they could not verify my ID without me mailing them a copy of my driver 's license front and back which would take 10 days. I am stuck in XXXX due to the coronavirus and can not return to the United States. My credit card is my lifeline. I was further informed and I would have to receive a text message except that I don't have my Us phone because I was here for so many months in order to me to start the phone back up it cost me {$10.00} to receive one text message the company assured me they could fix the problem when their fraud Department opened up, that was a total misrepresentation Right now I'm out about {$80.00} trying to get my card turned back on in long-distance charges I'm disgusted and I want my money back.
Product: Credit card or prepaid card

Chase reversed a credit on my account for {$7500.00} payment they had received and didn't return my $ $ XXXX I called, faxed documentation they requested, no response. All documentation was faxed, per Chases supervisor XXXX instruction @ XXXX XXXX branch to XXXX
Product: Debt collection

I originally took out a loan in XXXX that defaulted and went to collections and was owned by XXXX XXXX XXXX. On XX/XX/XXXX, I was contacted by XXXX XXXX, a XXXX XXXX, phone number XXXX, stating that they are a mediator advising me that Check N ' Go has submitted my account to them for litigation and they are seeking civil restitution for breach of contract and defrauding a financial institution in the amount of ~ {$1400.00}. These individuals had all of my information, including address, social, and full name. The account is not currently owned by Check N ' Go, so I contacted XXXX XXXX XXXX  who stated that they can not seek civil or criminal action because they sold the debt and that XXXX  is not seeking legal action so it is likely a scam. I contacted Check N ' Go 's resolution department at XXXX and was advised that they have sold the debt and they don't see a note that my account is undergoing legal action but that they can not confirm. This complaint was submitted to the XXXX XXXX XXXX, however, I did not receive an answer and was told to contact XXXX XXXX XXXX. 

A repeat call from the same person and XXXX XXXX called on XX/XX/XXXX, and texted me a threatening text. I contacted Check N Go inquiring about this directly, again, and received a response on XX/XX/XXXX stating they have information about these matters. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who stated they had purchased the debt and now held ownership. 

On XX/XX/XXXX, I was contacted by XXXX XXXX  via phone at XXXX. The agent stated they are a legal mediation department representing Check N Go stating they are looking for payment to mediate my breach of contract. They threatened that if I do not pay, I will be sued in my local circuit court. This is identical to the communication received from Competitive Solutions. I requested this information via mail and they stated they do not send anything by mail. I stated my attorney would request information via certified mail and they gave the address of XXXX XXXX XXXX XXXX  XXXX XXXX, GA addressed to Attorney XXXX XXXX XXXX XXXX? ). The agent was very rude, calling me stupid, unintelligent, and had all of my personal identifiable financial information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and TransUnion has repeatedly failed to comply with FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which requires fraudulent accounts to be blocked and removed from my credit report within four ( 4 ) business days upon receiving proper documentation. 

On XX/XX/year>, I submitted my identity theft dispute to TransUnion, providing all legally required documentation, including : FTC Identity Theft Report Government-issued ID ( drivers license ) Proof of Address ( utility bill ) Detailed Dispute Letter Despite complying with all legal requirements, TransUnion has failed to block and remove the fraudulent accounts listed below. On [ Insert Date of Refusal Letter ], I received a letter from TransUnion refusing to block the disputed accounts, falsely citing reasons that are not supported by federal law. Their refusal violates the FCRA and demonstrates an intentional delay in resolving my dispute. 

Fraudulent Accounts Still on File : 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 Additionally, the following closed fraudulent accounts remain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnions refusal to remove these accounts is a direct violation of FCRA Section 605B, which mandates that credit reporting agencies block fraudulent items upon receiving proper documentation. This failure has caused significant financial harm and emotional distress, as these fraudulent accounts continue to impact my creditworthiness and prevent me from making important financial decisions.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Checking or savings account

IN and around XXXX & XXXX i tried desperately to retrieve the information requested information on a numerous occasion to no avail, Bank of America kept giving me excuses, after a period of time, finally sent me a letter which is attached. I only found about the fraud when mail from Bank of America came to my business least address. That is when i BEGIN TO inquire concerning the fraud because I had not authorized any one to use my information because I could be liable for any thing that could happen with my name upon it. I have tried everything in my power to rectify this fraud, but to no avail. I found out lately that I could ask for your help with this matter. The bank only sent me a letter that really stated no real information that would be helpful to the Police or investigation into this matter.
Product: Checking or savings account

On XX/XX/XXXX, I paid a {$60.00} XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX that included a small tip using my Chime debit card viaXX/XX/XXXX. However, three days later, I noticed a fraudulent charge of {$110.00} on my Chime checking account. I never permitted or consented to XX/XX/XXXX withdrawing {$110.00} from my account, making this transaction a clear case of fraud and theft. I reported the fraudulent charge to Chime on XX/XX/scrub> 2024, just a few days following the initial {$60.00} payment, illustrating my quick response to alerting them about the inconsistency. I made over 20 calls where I spoke with supervisors and provided evidence supporting my claim of fraud. After months of advocating for a refund, I consistently supplied Chime with extensive proof, including various receipts. One key receipt from Chime confirms the correct charge of {$60.00}, along with another from XXXX XXXX detailing the transaction 's location, date, and time, which indicates that the {$60.00} charge was authorized. Yet, Chime refuses to refund me.
Product: Credit reporting or other personal consumer reports

Notice a collection account reporting. I have no knowledge of this account. Identity theft report filed.
Product: Credit card or prepaid card

My wife and I have a Bank of America XXXX. They detected fraud and issued us new credit card numbers, but the fraud charges continued immediately with the new credit card number. I was also using the card and sometimes the fraud charges were occurring on the same day as my charges. A third credit card number was provided. 

We were originally told that we would not be responsible for the fraudulent charges, but recently Bank of America told us in writing that they have concluded their investigation and we are now responsible. The total amount of the charges is ~ {$57000.00}. 

The reason why they are saying that the charges are not fraud is that someone ( male voice ) called from our home phone and approved at least one of these charges. So since the charges we are disputing include the " approved '' charge, Bank of America believes that none of the charges are fraud. 

My wife and I live alone, and no one else has access to our residence other than our cleaning lady. 

Bank of America has issued us new credit card numbers a few times now, always based on fraudulent activity that they detected. 

When I originally filed a police report on this fraud, I was told by the officer ( XXXX NJ Police Department - Case # XXXX ) that there is technology available known as " caller id spoofing '' that can make it look like a call is originating from a specific number, when in fact, it is not. This could explain some things. 

My wife and I did not make these high price charges on our Bank of America XXXX. 

I visited a Bank of America retail store because I was told I needed to substantiate my identity before they would talk to me. I did this. This was the only way I was able to find out the reason why B of A believes the charges were not fraud. 

I have yet to find out when exactly ( date and time ) the call or calls were made from my home phone number that approved the high price charges. 

Also it is important to know that I have been the victim of identity theft. Someone did open a XXXX XXXX XXXX XXXX ( XXXX ) in my name at a retail location and obtained {$5000.00} in instant credit, and purchased ~ {$4800.00} in  merchandise that day. I received the credit cards in the mail at my home address. I reported this to XXXX immediately and I am not liable for these charges. 

My personal information was compromised during the XXXX breech. I went on their webpage and did substantiate this fact. 

I feel that Bank of America 's identity verification system is not robust enough, given the widespread breech of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Medical XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} XXXX  XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXXl XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; Medical XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; Medical XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$2100.00}.
Product: Bank account or service

I got some loans from companies that took control of my Bank Account with the help of my old bank Wells Fargo. I hired a company called XXXX XXXX to pay the companies that was taking everything I had coming in to live on, they was strangling me where I could not survive. I asked my bank to help me by not paying these companies for over a month. My bank Wells Fargo decided to pay these corrupt companies anyway, and I pleaded with them to stop paying them. The bank would pay these crooks that are illegal lenders charging more interest then they are allowed to, and the bank would sent the payments back I wanted to pay. Wells Fargo has me way overdrawn on my old account, and a lot of overdraft fees on account of it. I put a hard block on my account, and changed bank accounts. I 'm so far behind on my bills because of this, it 's going to take me awhile to be able to pay these bills. I 've been working real hard to restore my credit, and these companies, XXXX XXXX, XXXX, XXXX, XXXX and the help from Wells Fargo my credit is going back into the toilet. I want the money back the bank and companies have ripped me off for. I 'm paying XXXX to pay these companies I owe for over a month, but they continue to take from my bank account with Wells Fargo to, and Wells Fargo is giving them the money, even though I explained everything to the bank. PLEAS HELP ME, I 'M DROWNING IN DRBT.
Product: Student loan

In XXXX XXXX, my loan had been serviced by XXXX I sent information to renew XXXX about 6 times. They claimed they never got it, and then they told me that income information had to be on my copmany 's letterhead, in a postmarked envelope. The day I sent them the information, they placed my loan in default and placed it with collections. They told me there was nothing they could do, and I would have to make 9 payments to have it rehabilitated. 

It was placed with Performant Recovery. I made direct-debit payment arrangements with them to deduct {$51.00} per month from my checking account. The payments were made, but at the end of 9 months, there was no word from Performant. I tried contacting them and all that happens is I get put through to leave a voice mail with someone, but no one calls me back. I get mailed notifications every month, addressed to my home address, so I know that the company has my contact information. 

Each month the auto-draft check is made out to XXXX XXXX XXXX XXXX XXXX XXXX Account. I have copies of the checks and the backs of the checks where these have been cashed. To date, there have been 44 checks auto-drafted. 

XXXX ( Federal Student Aid ) shows my loan to be in default, with the servicer as XXXX the lender as XXXX XXXX XXXX XXXX XXXX XXXX, and the current guaranty agency as XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted XXXX. They state that they do not have my loan and that XXXX XXXX has it. I contacted XXXX XXXX, and they state they do not have it, that Performant has it. I contact Performant and most times no one calls me back. On the one occasion that someone did contact me, they left a voicemail on my phone with a phone number that only sent me to their voicemail. I left a message, and no one called back. This is a continuous loop that has happened over the 4 year period of time. 

I want my loans out of collections, and I want them out of default. I have included uploads of various canceled checks. My bank goes back 18 months online, but the consecutive numbering of the checks can be seen along with who they are made out to and the stamps on the back where they have been cashed.