23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRY TO DISPUTE INFORMATION WITH XXXX, EXPERIAN, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME
Product: Credit card

After closing a card for legitimate fraud, Wells Fargo applied a statement balance that I had paid off to the new account/card. 

XX/XX/XXXX - Statement for credit card ending in XXXX was issued showing a running balance {$750.00}. 
XX/XX/XXXX - That running balance was paid off in full - XXXX ( this is the account transfer confirmation from my checking account ) bringing the running balance back to {$0.00}. 
XX/XX/XXXX - I received a text message asking for approval for a {$230.00} charge for XXXX 's XXXX in XXXX XXXX CA. Being in Texas at the time, I knew this was fraudulent and immediately canceled the card. 
XX/XX/XXXX - I received a charge on my new account ending in XXXX for the last statement balance of account XXXX ( remember this statement balance was taken on XX/XX/XXXX but was paid in full on XX/XX/XXXX ) which is what the error is. ( XX/XX/XXXX XXXX LAST STATEMENT BAL FROM ACCT ENDING XXXX XXXX ) After speaking with their customer service/support, supposed " executives '' of their credit team, and supposedly their management. They all gave the exact same answer, that there was nothing that they could do because the charge was legitimate. 

It seems as if they were all reading from the same script, I would not be surprised, given Wells Fargo 's track record in recent years, that this sort of fraud is common place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity
Product: Checking or savings account

My complaint is with Chime. I transfered {$160.00} from my XXXX XXXX to my chime about a month ago. They immediately suspended my account. I have done everything they've asked of me. I submitted documents 3 times and when I reached out to stride bank they said they would resolve it about 2 weeks ago. I contacted chime today. They closed ny account while I was on the phone. They said they would help and even had me submit documents again. Now they want me to wait another 30 days to maybe get a check sent. I don't understand why they can't just reverse the money back to my XXXX  XXXX. I can't afford to wait another month.
Product: Debt collection

this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX pysicans group and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

LVNV Funding states I got an acct on XXXX XXXX true. I have never seen this company before or did business with them and they Have place a collection of XXXX dollars on my credit file with XXXX. This is false information I never signed anything with this company. If they fraudulent bought my name from a black list which I am the victim of identity theft that is on file all my information was compromised. Especially with a pandemic I am out of work and did not activate any new credit. Its a pandemic going on and they falsified a collection on my credit report they have access my credit file and have my information that I did not give them. I want the collection removed off all 3 bureaus now and updated my credit file. I do not owe or know or owe this company anything. I have been out of work since XX/XX/2020 with underlying medical conditions so they are lying about I opened an acct I. XX/XX/2020. I want it removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/year> my square business account and cash app were frozen due to a ucc lein. I contacted the lein holder and worked out a settlement. They have sent over the release. I habe contacted square through email and chat and they will not confirm that they have recieved the for nor will they contact me to talk about the issue. They say there is not a number to call to speak with someone about this issue. XXXX is the latest person I spoke to. He kept saying I was asking for my issue to be expedited when I several times told him I just wanted to speak with someone he was dismissive and said that's not what I wanted
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a big security breach and I was identified as potentially impacted. When I tried to enroll in the Free Credit Monitoring service offered by Equifax, their system showed birthday was wrong and the call center for trusted ID said they ca n't fix it. So I called Equifax and they gave a so-called customer service number that I can NOT get through for over an hour. Is this a big SCAM on top of a bad security breach? Equifax needs to be held responsible for all the inconvenience and damages.
Product: Money transfer, virtual currency, or money service

In the past week I have been locked out of my venmo account and assets frozen. Each time I have done what they asked to unfreeze the account by sending in verification of my identity which include : drivers license, selfie holding driver 's license, pictures of debit cards linked to account, account bank statements and multiple times for each. Every time I try to transfer funds out of the venmo to my other bank it automatically suspends my account and asks for more information to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies have used my information to create or open accounts I did not authorize. Also they have sold accounts I have not authorized claiming I owe the debt to which I do not. I have contacted these companies a number of times to get these things taken care of and removed from my credit report. 

In accordance with the fair credit reporting report XXXX  all accounts on my credit file has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Up until XXXX XXXX I never had a problem with making a payment to TJ Maxx reward card. My payments where intentionally causing payment confusion and defamation of credit integrity. They have since closed my card after the delayed payment process and make it difficult for you to make a payment. I felt assaulted by the disruption of my credit history and the attack in my financial credibility.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX recieved insurance settlement of {$5000.00} dollars it was digitally put into the XXXX account i then tried to cash out the funds to my Dave banking card with a XXXX $ fee from XXXX for a instant deposit so XXXX was supposed to deposit on the Dave card I checked the app refreshed it for hours no money appeared. I contacted the bank they said they reversed the transaction and they didnt have it. After waiting 1-3 business days the money does not appear on XXXX I called Dave back they said oh the money deposited but it has a merchant hold. Sent me emails to verify myself which I did multiple times. I didnt even see the transaction of the XXXX deposit in the Dave account until Tuesday XX/XX/XXXX when I know I deposited the money way before that but they also said they didnt receive my payment at first ethier. Then they close my account and say a check will be sent once I verify myself once again which I did on the phone and via email. Dave has been running me in circles about my refund for weeks now and hanging up when I ask to speak to a higher representative or ask them to locate my funds. Im tired of it and just want my money back that does not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX University  or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I am making this complaint because Experian would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( XXXX XXXX XXXX ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by Experian does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, XXXX, XXXX, and Transunion. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is still reporting a charged off account with balance due when I have court documentation that it was a repayment agreement that has been paid in full. This has adversely affected my credit for the past year. Have tried through credit reporting agencies to get this fixed with no success even though I have the actual court document saying that this is paid in full. This credit card company is a bully and you all let them get away with it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. Transunion is reporting the high credit limit as XXXX. XXXX is reporting XXXX XXXX is reporting XXXX. 

Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, Transunion is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report.
Product: Credit card or prepaid card

I opened a dispute for an item I purchased from Amazon, returned, and was never credited for. Chase card services requested a copy of the drop off receipt, which I provided that included the reference number for the return code provided to me by Amazon.

Chase informed me they were cancelling the dispute due to the weight of the item on the receipt not matching the weight of the item returned and advised me to return to the XXXX store where I completed the return. 
I immediately went to the store, and was advised by the store manager that PER Amazon 's Terms and Conditions they are not required to weigh returns and she confirmed that I did in fact drop off the item, and her team member confirmed that my return code matched the receipt in hand and that was my proof of return.

Chase informed me I had to resubmit all of this information for them to reconsider the disupute. I have submitted this information twice and Chase is not responding to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 with EXPERIAN.COM 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. XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely & effective measures to prevent and address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience & financial loss, & I seen appropriate redress for these violations.
Product: Credit card or prepaid card

I have a dispute on a charge for {$73.00} on XX/XX/19 for XXXX I disputed this with Capital one as being a fraud case of shipping a XXXX cent item when I ordered XXXX XXXX XXXX of XXXX ad. It seems to be a bogus company that has defrauded many consumers. There is no contact number or website anymore. I reported this to capital one or help. Again Capital one has not help me on fraud case. I received a letter from Capital one today case number XXXX Account Ending in XXXX that they requested additional information, which I never received a letter or email from Capital One requesting more information since I made the complaint. I feel every time Capital One has an issue with a bogus company or trouble contacting the company in question, they just send a standard form letter saying case closed and we are reapplying the charges. I want this to stop and have Capital one make it easier for consumers to fight back. I want my charges removed at once since I did not receive my item.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I sent them proof that this debt was fraudulent, with police report and a affidavit and They responded with a generic response.
Product: Mortgage

I applied for a home refinance with this company 30 days ago, took all my private info And never called me back. Have attempted every phone and email with no response. I feel like this is a scammer. 
Hi this is reaching out from CrossCountry Mortgage, LLC. We have tried a couple times to verify your information so we can send you a custom quote with no luck. Can you please call us back XXXX it will take 2 minutes tops. 
XXXX XXXX This is the company and the agent I talk too. 
XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Grimm Collections is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. Grimm Collections is still illegally reporting to XXXX a debt they can not verify.