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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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: Debt collection

I have called the original vendor of this debt. It was an urgent care facility in XXXX Texas. Someone went into this company and had a visit. They used my name and my information. I have not lived in Texas in over 12 years and was not ever in Texas during this visit. I have sent a fraud notification to the XXXX. There were several other entries at one time that they used my insurance and name. I had many removed over the years. Now it seems as though this debt collection company bought this debt and now they are trying once again to hammer my credit. I sent them the correspondence from previous debt collectors on this. I asked them to send what vailidity they had twice. XXXX and again in XXXX. They have not sent me anything. I disputed this on my credit report. They continue to disregard my pleas. I sent this letter in the mail again asking for validity..
Product: Money transfer, virtual currency, or money service

I spent the entire day yesterday ( XX/XX/year>XXXX  ) doing every single tech tactic I know how to get the verification code to show in my phone, which absolutely has me to conclude the issue was definitely coming from the AlbertCompany 's end. Something told me to see if other people have been having the same issue, insteadI ran into a infinite mass of complaints against the employees of the Albert app from everything to refusing or lying about closing a person 's account, stealing money from people 's accounts when they don't owe the Albert Company money & the list goes on. 

That's atrocious business practices that I definitely don't need for me & my personal information to be victim or a sucker of. My identity has already been stolen from another company 's servers being compromised. Between Aura Identity Protection, both my Credit Unions ' Fraud Division, The DC Attorney General 's Office & literally all the Federal Consumer Financial Protection entities are under heavy surveillance. This is do to the mountain of evidence, affidavits & police report I submitted the moment unauthorized activity was done using my personal information. So in retrospect I need Albert to completely delete my information from their database/system. I still was unable to get the verification code even using my XXXX  email address yesterday evening after Albert 's Customer Service claim to close the account with my XXXX email. I was advised to create a new account to see if the phone verification code would work then & it didn't. Albert Support did email me claiming to have closed 1 account, but not at liberty to do account deletion for BOTH my XXXX XXXX XXXX email addresses I used while thinking I would be able to finally login to the account. 

Everybody 's situation is different as to why they do cash advances during a high time of personal account intrusion happening constantly by thieves. The Albert company shouldn't be contributing to it. My reason is to keep my small expenses paid until my deposit into my Credit Union account transpires then immediately pay it back. There's no law, that I'm aware of, giving these cash advance companies the legal right to hold onto people 's personal info & the banking info indefinitely simply because their own made-up disclaimer. Cash advance companies do not have an unlimited right to hold onto, sell, or access Consumers personal information and bank accounts after a cash advance account is closed, even if they include disclaimers in their agreements. Their rights and obligations are governed by federal and state privacy and consumer protection laws, not just by their own disclaimers.
Product: Debt collection

Midwest Service Bureau contacted me by telephone during work hours on XX/XX/19 with regard to a debt they claimed I owed to XXXX XXXX of XXXX   County. Approximately one year ago, I contacted XXXX XXXX   directly regarding this same debt, and XXXX XXXX agreed to accept a smaller amount made in payments, nullifying Midwests claim to my debt. As those payments had been made in full several months ago, it is clear that Midwest Service Bureau made no effort to verify whether or not the debt was valid before contacting me. It is a matter of public record that Midwest Service Bureaus practices have led to multiple lawsuits and formal complaints in the past, including other attempts at collecting non-existent shadow debt.
Product: Debt collection

A data breach within XXXXXXXX XXXX took place in early 2020 resulting in fraudulent activity using my social security number. I was notified of the breach but discovered my information had been used when a XXXX account was sent to collections and my credit report in the amount of {$4900.00}. I immediately called XXXX to dispute this and was told it would be investigated and taken care of. I attempted to file a police report but every city or county I called sent me to the next one. I am attaching a link with the data breach info as well as a screenshot of the debt on my credit report. 

https : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and 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 accounts 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 accounts XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

My account was hacked for almost XXXX. Chase is saying that It is my fault and my online information was used at the time. They even went so far to say my " fingerprint '' was used. I am XXXX XXXX XXXX XXXX and I can prove that I was on XXXX XXXX  the time and that I have no contact with any of the XXXX purchases that were made. This has taken a toll on my life. I am a XXXX XXXX of XXXX and I am struggling! Please help me. 

I have spoke with multiple representatives and I believe that this is being done through chase representatives or customers! I was received a temporary credit and than they completely wiped my accounts.
Product: Debt collection

I am a victim of XXXX XXXX. I requested proof that I opened the account and proof of wet signature.
Product: Debt collection

This account is a violation of the No Surprise Act, Please delete immediately. My privacy is protected under the HIPPA Laws and if you donot remove it from my credit report, litigation will follow.
Product: Debt collection

call this company ( Security Credit Services ) several times to no avail l was told name and address giving them does match their record, l was told l made {$1100.00} payment last month l told them to provide me proof that l made this payment they declined. l believes Security Credit Services doing an illegal act to re-age a credit account by declaring that l made payment. And they could not ( Security Credit Services ) provide me proof of payment Security Credit Services must remove this account from my credit profile. 
Account Number : - Creditor : - XXXX SECURITY CREDIT SERV
Product: Debt collection

I tried to ask for validation of debt from XXXX XXXX XXXX because it popped up on my credit randomly. Stated as joint collection but, parties involved were never listed. My debt was never validated to me the alleged consumer. Tried to dispute that in anyway possible to XXXX XXXX and equifax but they have not played their part accordingly by having the creditor validate my debt to me. No notice or anything was sent to me in the mail. I never even received an email or a link to pay alleged amount owed.
Product: Credit card or prepaid card

On XX/XX/21 I bought a prepaid debit Visa card labeled Vanilla Gift card # XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX and paid XXXX to activate it. My son used the card to buy some things and had a XXXX balance. When he tried to buy a video game w card, there was a XXXX balance. Someone stole the XXXX and bought something at merchant XXXX  XXXX. The card is distributed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX. I filed a dispute with XXXX who stated it takes up to 90 days to do an investigation. I think this is an excessively long time as this was supposed to be a Visa card. I would appreciate any help recovering the stolen funds. Thank you
Product: Mortgage

We purchased a home with Taylor Morrison and closed on XX/XX/XXXX and used their financing company, Taylor Morrison Home Funding. We are in the process of refinancing with another company to capitalize on a lower interest rate and the new company ( XXXX XXXX XXXX XXXX XXXX ) have been in contact with Taylor Morrison to obtain a payoff amount and Taylor Morrison is refusing to give the payoff amount to us or the other company in order to finalize the refinance loan. They are stating they sold the mortgage to another company, however that company ( XXXX ) is not servicing the loan until XX/XX/XXXX. Taylor Morrison home funding is the current servicer of our loan and they refuse to give us Or the other companies the payoff amount. 

The request was made for a payoff in the middle from both XXXX and XXXX and after multiple calls and emails they still refuse to give the amount or documentation needed to close on our refinance loan which they are servicing until XX/XX/XXXX. We only have a few days before our rate lock is up and they ( Taylor Morrison & XXXX ) are not responding with the information XXXX needs to approve our refinance loan. 

Due to their ( Taylor Morrison and XXXX ) questionable businesses practices they are not allowing my husband and I to obtain better financing for our mortgage which will be a huge financial impact after a few years.
Product: Debt collection

I have tried several times to pay off my car loan only to have the funds reversed. I am paying funds from an USAA account for a usaa car loan. And when i call and talk to them i am sent from department to department and then told the department I actually need is closed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX & XXXX, ACCOUNT NUMBER XXXX, AMOUNT {$420.00} NATIONAL CREDIT ADJUST, ACCOUNT NUMBER XXXX, AMOUNT XXXX XXXX XXXX XXXX, Account Number XXXX, Amount XXXX NXXXX XXXX XXXX  Account Number XXXX, Amount XXXXXXXX XXXX XXXX XXXX  Account Number XXXX, Amount XXXX
Product: Checking or savings account

This complaint is against Chase Bank related to a failure to appropriately monitor my account for suspicious activity and an unwillingness to reimburse me for {$2900.00} in fraudulent cash back transactions done in 1 day over XXXX unique transactions at XXXX XXXX XXXX locations and a XXXX station in XXXX ( which is a city I do not live - I live in XXXX  ) plus {$1000.00} in cash withdrawals from an ATM. They are claiming no responsibility on the basis that they were done using my PIN which means in their eyes they are valid, authorized, and unrecoverable. 

I have filed a police report, but Chase is putting the burden of proof on me to demonstrate the transactions were not made by me. I am now reaching out to XXXX to see if I can get help with security footage, but Chase is being uncooperative in claiming they do not have the timestamps of the transactions. I was in XXXX  on vacation and was robbed in downtown XXXX of my debit card and the PIN number by a false XXXX driver who threatened to leave me in downtown XXXX with no phone if I didn't give the driver cash. I was driven to an ATM where my card and PIN number were taken, followed by the fraudulent transactions later that day. I use my debit card maybe 4-6 times per year to pull cash from an ATM. XXXX cashback transactions in a concentrated period at XXXX addresses ( XXXX XXXX XXXX and XXXX XXXX ) is highly irregular activity. I called the card in as being stolen the same day ( XX/XX/2022 ) as the transactions occurred to dispute. Was told I'm never responsible for unauthorized charges on my account and that my account would be credited. Several days later I was told the claim was closed and would not be reimbursed. I have escalated twice including a written complaint on XX/XX/2022. I still have not received satisfaction. 

Chase is not adhering to it's advertised pledge to account holders as quoted from their website below : " XXXX XXXX XXXX : You wont be held responsible for unauthorized charges made with your card or account information. '' Footnote on this claim quoted below and does not apply to this situation as the fraudster is not an authorized user : " XXXX XXXX XXXX does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the XXXX Services number on your card or billing statement. '' I am also claiming false advertisement as it pertains to the statement from their website cited below relative to XXXX XXXX : " XXXX XXXX XXXX : Round-the-clock, real-time monitoring for unusual account activity. '' The activity on my account was highly unusual relative to the established usage trends. The activity was unusual based on them taking place in a city I don't live. The activity was further unusual based on the concentration of transactions at XXXX merchants. None of these triggered an attempt at authentication of the activity.
Product: Payday loan, title loan, or personal loan

Yes I applied for a XXXX loan on line with XXXX main financial. Pre approval. Than they called me asked me my finances and too bring in my pay stub. I told them I'm on XXXX. They said no problem. I told her I need the money too pay off my 2major credit cards. She said come down your approved. So I sat down with her and she said looks good. Than she left talked too someone I guess. Said I can get the loan because if my finances the loan payment would have been XXXX a month. I was happy. I could afford that. Paying biff the 2credit cards would have saved me on both cards like XXXX ; a month alone. They did not figure my finances right. I know what I can afford. She said we don't go by credit. We got by what you can afford. They did run my credit they lied. Lost 6points. Hard inquiry. Want them too contract all 3credit bureau 's get them delivered out of courtesy. Also XXXX XXXX just approved me for a loan also. They lost good customer.
Product: Checking or savings account

My debit was used at XXXX XXXX merchant in the amount of {$XXXX}. I reported this unathorized use to Chime Bank along with evidence and documents proving my claim. They denied the claim twice and said no error occured even with knowing I did not do it. I provided police report, military report, ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to cancel and I am being shuffled around from office to office. Can't get them to cancel. It is almost impossible to cancel DO NOT USE
Product: Mortgage

I refinanced with Quicken Loans last year. They apparently greatly under estimated my escrow by over {$1500.00}. If I do not pay the total shortfall my new monthly payment will be over {$2300.00}. This is more than I was paying with my previous mortgage company. I do n't believe the tax value on my property increased that much to have missed by such a large amount.
Product: Debt collection

I have not had this credit card in over 14 years. I believe the debt is far past 7 years limitations. I am continuing to receive requests to pay even though I have an order to discharge garnishee dated XX/XX/year>. I want them to stop harassing me as this has been going on for 14 years. 
Thank you
Product: Mortgage

My loan was purchased by PNC Bank, and since purchasing I have had nothing but issues. The first payment was missapplied, I had to call 5 times to get this resolved. I had more issues with funds being missapplied. I have paid using the same bank account and information since XXXX but for some reason the XXXX  payment was lost. They are charging me a late fee, but the funds were deducted from my bank on the XXXX, the payment was made on the XXXX. I received a phone call today, the XXXX letting me know the funds were never received. I asked to file a formal complaint, since we have had so many issues. Issue is still not resolved. I have sat on hold for hours trying to resolve. PNC is XXXX of the worst service providers I have had for my mortgage. I never had an issue with XXXX mortgage, but since they sold my loan it has been nothing but issues. It feels like they are continuously trying to make my mortgage default. I have never missed a payment and have a XXXX XXXX XXXX XXXX. Worst mortgage servicer ever.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy listed in my credit reports. Sent letter to remove it off of my credit report due to it being inacurate. The court recorder /court house sent me a letter and contacted me and stated they never verify nor give out Information to any companys or credit bureaus. The credit bureau stated they verified my information on XX/XX/2024. Its a violation of FCRA to provide inaccurate information or non verifiable information. And I demand it be removed from my credit reports. Ref # XXXX bankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX -XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am writing to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. 
XXXX XXXX Balance Owed : {$14000.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part.
Product: Credit reporting or other personal consumer reports

This is to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our persistent attempts, I regret to inform you that these fraudulent items still persist on my record. 

The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Hello I was victim to cash app fraud that took place in my account without my authorization. I lost more than XXXX XXXX The app took my money and sent it to someone in the XXXX and wont refund my money.