23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This happened on my Ms EPPICard, and XXXX card this go around but it happens to me all the time. I have lost 3 bank accounts in the past 4 years due to fraudulent activity as well. I have been trying to report this sense it started happening on XX/XX/18 there 2 particular places so far and sense I couldn't reach anyone by phone to turn in the fraudulent activity I purchased XXXX a few days after the XXXX. The charges as you will see are from XXXX  cash XXXX XXXX XXXX XXXX and XXXX a bunch of different people with XXXX behind each name and all for different prices ranging from XXXX to XXXX that look like this XXXX  /XXXX  XX/XX/18 XXXX also a few from XXXX  fast auto key XXXX XXXX I don't have all the transaction written down but did take screenshots of most of them prior to the XXXX EPPICard suspending my card due to fraudulent activity while I am contacting the companies and attempting to contact the card holder to despite the transactions. I felt I should screenshot for proof not knowing that they were going to catch it before I could get it turned in. I sent several emails and even attempted to chat to be directed to call with several hours on hold to be hung up on or disconnected soon as it finally answered that's when I decided to try and move the money from that card to a prepaid bank card I had XXXX activated to keep them from taking anymore money before I could get XXXX and get the companies notified. As soon as I activated the card and I moved XXXX to the card even used a different device to move the money I sent the card home with my mother and then the next week while waiting on all the pending fraud charges to hit so I could dispute it all I received my unemployment payment again so I decided to send part of it to the XXXX card to keep it safe so I thought. I logged in on my mom 's device to the EPPICard to notice more transaction of the same kind and more money gone sad and discussed I moved the XXXX that remained onto the XXXX card it takes XXXX to 3 days to post when u do the transfer. So I logged into the XXXX card account to see if the XXXX moved the week before was there to find out almost XXXX of it was gone to the same things as my employment card exact same types of transactions I'm in the processes of contacting the netspend company and to turn this all into XXXX once disputed with the companies because that's how they instructed me to proceed. So I really need your help with this asap. I have lost like right at XXXX maybe more between the two cards and now I have my employment benefits for this week on a card that is supended and I can't speak to anyone to send out another card or something so I can pay my rent I am sending a copy of transactions I have but can't access EPPICard online account to provide u with the remaining charges. I need to have access to my funds I am about to loose everything I own and my mind with this. A fast response would be much appreciated. The screenshots are from the EPPICard account only and that's only half of the charges made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX/dept of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, child support enforcement XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

My credit was compromised when I was XXXX. I have attempted to correct the information on my report for several years. This is causing me to be unable to qualify for anything.
Product: Debt collection

I reviewed my credit file late  XXXX    XXXX   and there is an account reported by AD  Astra Services.  I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX  DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX  DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX  DATE : XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent
Product: Debt collection

One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at XXXX 's and they are trashing my good credit by reporting the account late 90+days every month!
Product: Student loan

Navient automatically deducted {$230.00} from my Grandmother 's bank account on XXXX/XXXX/2015. My Grandmother never received a bill or notice that this deduction was to take place and neither did I. Her card was set up for automatic debit only for the approved $ XXXX/month. She called to have her card removed and the charge refunded and they refused. My expected monthly payment is {$390.00} on just over {$20000.00} in loans with Navient. Meanwhile, I have $ XXXX/mo due from other lenders ( XXXX XXXX, XXXX ). I do not think its fair to be expected to pay {$850.00} a month in student loans. You would have to Net over 60K in order to afford payments like that. I make $ XXXX/month.
Product: Credit reporting or other personal consumer reports

{$790.00}, {$790.00} {$250.00} {$1000.00} COMENITY BANK. All WRONG I contacted the creditor they stated this account does not belong to them. I then disputed the charges with the credit bureaus only to learn different amounts and open/closed dates showed discrepancies.
Product: Debt collection

The amount is {$980.00} I have not received a bill for the balance and now its in collections
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX . I have contacted XXXX XXXX XXXX  by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( 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 ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a US citizen who is a customer with Chime/XXXX  XXXX In early XXXX of this year I was visting XXXX, XXXX and had some unauthorized charges made on my debit card. I have reason to believe I was XXXX, and my card was charged 3 times. There is a span of about 2-3 hours that I do not remember, and I woke up on the train confused and disoriented. 

XX/XX/XXXX, XXXXXXXX XXXX {$320.00} - XXXX  ( Restaurant ) XX/XX/XXXX, XXXX XXXX  {$1700.00} - XXXX  ( Restaurant ) XX/XX/XXXX, XXXX XXXX  {$560.00} - XXXX  ( Restaurant ) My first concern is that the transactions were not halted despite the fact that they were being made outside of my home country and for such a large amount. 

Secondly, I attempted to report the transactions as fradulent, but could not do so until they cleared. Once they cleared I was able to file a dispute with Chime through their app on XX/XX/XXXX. 

By the time I received the response from Chime about my disputes, I had gone to the XXXX. On XX/XX/XXXX I was notified that Chime had denied my disputes. I immediately requested the denial reason and documentation. I was told it could take up to 10 business days for me to receive the requested documents. 10 business days came to pass and I did not receive any correspondence from Chime. 

On XX/XX/XXXX I sent them an email stating that I had not received the documents and that I would be filing a complaint with CFPB and XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open accounts associated with my account. 
I have diligently contacted your customer service department on multiple occasions in an effort to address and correct this matter. During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open accounts on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open accounts on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open accounts. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assistance to correct these late open accounts : XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to remove inaccurate address information, etc, which has been part of the cause of identity theft. Experian denies all of the disputes I attempt, and I'm told to call a phone number during extremely limited and impossible hours. I also have submitted an extensive amount of documentation by USPS which they have failed to acknowledge and use. I have some false address information and other types of information that has been used in my identity theft which I have been unable to dispute and remove.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had me send {$870.00} and then {$1000.00} as payment for a non-existent puppy to an account in the name of XXXX XXXX via XXXX transfer. Once I found that the puppy didn't exist, the next day, I contacted my bank and asked them to stop payment. They said they tracked the payment to an existing bank account and that they froze the account until the money could be sent back to me, but nothing has happened since the transfer date of XX/XX/22. I also sent {$1000.00} in gift cards to cover the " rental '' of a new crate at the airport they said was insufficient for his travel and that it would be refunded at delivery, but they demanded XXXX gold gift cards that can't be recovered as I understand it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called them telling them ( XXXX XXXX ) I cant make payments ( 3 payments behind ) because of unemployment not being able to get to me back ( also filled for there 3 months forgiveness act when it came  out ), on XX/XX/XXXX i made 1/3 payments ... because Im just  starting to get unemployment this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment being late.
Product: Checking or savings account

I have asked since last year for Chase to close all my accounts because I moved and don't have a chase bank in my County. they messaged me several times the last being I had to say a specific statement and I did. but excuse how long they took an auto debit hit. then they said they can't close my accoumt I have asked several times they close my account as I have no bank in the county I live and don't use them. WHY WONT THEY CLOSE IT LIKE I HAVE ASKED FOR MONTHS. I AM NOT SENDING THEM ANY MORE MONEY BECAUSE AUTO STUFF HIT AND THEN THEY ASSESSED FEES BECAUSE THEY REFUSED TO CLOSE MY ACCOUNTS
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 ; XXXX XXXX XX/XX/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 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 ; XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX sent my account to the XXXX XXXX XXXX XXXX. I advised collection agency that the debt was not valid and proceeded to reach out to XXXX XXXX to request investigation. I provided XXXX XXXX with the forwarded email from XXXX XXXX which included the investigation # XXXX. Again, I advised that the debt was not valid, as charges were incurred as an error from charges applied to my account which occurred AFTER I requested service cancellation. ( XX/XX/XXXX ) I spoke to both XXXX XXXX and XXXX XXXX on XX/XX/XXXX. Additionally, I requested the originally signed contract bearing my signature from XXXX, as the final bill is not a validation of debt. Today, XX/XX/XXXX, I spoke to XXXX at XXXX XXXX who confirmed that the account balance is XXXX and was told that the account should have been removed from collections. XXXX XXXX has failed to provide validation of the debt with my signature, as well as failed to comply with FCRA guidelines and remove the account from XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}.
Product: Credit reporting or other personal consumer reports

My loan servicer is XXXX and i was supposed to have my XXXX XXXX reported as not late but reported as paid off in the amount of around {$30000.00} which is principle plus interest! The XXXX administration sent me a notification saying my XXXX XXXX have been forgiven in full and no longer require a repayment but XXXX will not remove this loan debt from my credit report please help me out!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681