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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Product: Debt collection

Debt from XXXX. {$2400.00}. Paid through garnishment from XX/XX/XXXX until XX/XX/XXXX. Paid in full. Unable to reach anyone from glasses and glasser. Ive tried to call and use every option to talk to someone and sent multiple messages to them. No answer or reply. They are trying to garnish my wages again.
Product: Checking or savings account

Filed my taxes thriugh chime banking to recieve it in my account with chime yet i still havent recieved my refund and my accoumts are with negitave balances
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$830000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : {$470.00}, XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9800.00}
Product: Debt collection

Notice of dispute under the authority of the FCRA. Creditor is reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the XXXX is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA.
Product: Checking or savings account

Hi, I moved to the XXXX from XXXX in XX/XX/2022 and opened a checking account with BOFA in XXXX. 
I have submitted my passport and the address I'm staying at during the account opening at XXXX XXXX. 

All of a sudden on XX/XX/XXXX morning, I got an email saying my account balance is XXXX. I'm shocked because I have 2 months of savings of XXXX USD in my checking account. I tried logging into my account but it didn't allow me to login. I called customer care service but they refused to provide details saying that my account is closed. I was in a panic situation that I lost all my money or maybe someone hacked my account. 

I rushed to the nearest banking branch in XXXX and got to know that my account is closed because I didn't provide address proof. I've never been asked to provide any address proof or didn't get any mail or email asking for address proof. I was never notified that my account is going to be closed. 

How can they take control of my money? Don't I deserve to be notified about the actions you take on my account prior. Without asking/notifying how would I know that I have to submit the address proof? 

When I contacted customer care they said they can't provide details cause my account is closed already and suggested me to visit financial center. When I visit financial center they said they also don't have information and they gave me one more contact whom I can reach out - XXXX and this team kept on hold for more than 3 hours but didn't provide any information instead asked me to callback next day. 

Are they doing this to me just because I'm on a XXXX  here in the XXXX. Will you do the same if I'm a XXXX XXXX?

Currently I don't have any money with me. All my 2 months savings are blocked in that account they closed without any notice. My biweekly payroll is cancelled cause I don't have a valid checking account. How will I survive now? Do I have any rights here? 

I'm traumatised because of all these events and need someone to help to fix this. 
is this all happening following a due process or they just targeted me? 
Please come back with an possible explanation on all these events. 

Thanks XXXX XXXX phone : XXXX online banking user id : XXXX I can provide you more details about my account info if required.
Product: Debt or credit management

Midland Credit Management , Inc in XXXX, Michigan ( a third party collection agency ) took my XXXX Michigan income tax for a debt belonging to someone else. I was notified in XX/XX/XXXX by Michigan Department of Treasury that they were taking my income tax. I had tried working with Midland Credit Management that this was a case of identify fraud. After making at least XXXX calls and receiving no documentation, they refuse to refund my money. Midland representatives acknowledge there was an error but have not refunded my money. I have spoken to at XXXX or XXXX agents from Midland Credit who all had different stories to tell about this accounts. 


This is everyones worst nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im Reporting some Fraudulent inquiries that some XXXX use my information to put inquiries on my Consumer report heres a list of inquiries made on my consumer report Trans Union reporting XXXX XXXX XXXX youll be home all day program XXXX. XXXX Bank XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Transaction via XXXX XXXX XXXX was disputed on XX/XX/XXXX in the amount of {$210.00}. Vendor overcharged and failed to deliver the merchandise successfully. 

XXXX Synchrony Mastercard did not communicate effectively and closed the dispute which had to be reopened again on XX/XX/XXXX. Documents were successfully sent via fax and through the online message center. XXXX Synchrony Mastercard states that they have reopened the dispute when they have not. They also state that they have not received documents when I have screenshot proof that the files were successfully sent through the online portal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Money transfer, virtual currency, or money service

I sold two tickets for {$500.00} to a Venmo user for an event on XX/XX/21. The user attended the event and then disputed the payment on XX/XX/21 to also take their money back. I was not notified until Venmo defaulted judgement against me on XX/XX/21 and took money from my account. All that was there was {$20.00}, but they are attempting to collect the {$500.00} from me, and have placed my account on hold. I have reached out with emails disputing the dispute on XX/XX/21, XX/XX/21, and today, XX/XX/21. All attempts to reverse this fraudulent dispute have gone unanswered. I have also reached out to their web chat on XX/XX/21, but was told there was nothing they could do, and it needs to go through their dispute email address.
Product: Credit reporting or other personal consumer reports

I am writing regarding my recent dispute involving an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. On XX/XX/2024, I submitted a formal dispute to TransUnion, identifying this account as fraudulent. Following this, on XX/XX/2024, the account was deleted from my credit report after I submitted an FTC Identity Theft Report. However, I was not notified of the account deletion, as required by Section 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ), which mandates that consumers be informed of the results of any dispute investigation.

Additionally, I am formally requesting all documentation related to dispute number XXXX, in accordance with my rights under 15 U.S.C. 1681g, which entitles consumers to access information in their file, including the results of any investigation and the source of disputed information. 

On XX/XX/2024, at XXXX XXXX  EST, I spoke with a supervisor at TransUnion regarding this account. The supervisor informed me that the creditor, XXXX XXXX XXXX XXXX XXXX XXXX, had reinserted the account into my credit report. Despite my concerns, the representative stated that " TransUnion does not investigate disputes '' and that I would need to wait 30 days for the creditor to respond. This statement appears to conflict with the requirements of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which obligates a consumer reporting agency to conduct a reasonable reinvestigation of any disputed information unless the dispute is deemed frivolous or irrelevant.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that, if a deleted item is reinserted into a consumers file, the consumer must be notified within five business days, along with the reasons for the reinsertion and the source of the information. As of the date of this letter, I have not received any such notification. 
I respectfully request immediate action to rectify this situation, including : 1. Documentation related to dispute number XXXX and the deletion of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account.

2. Confirmation of the steps taken to investigate my original dispute, as required by law.

3. An explanation of how and why this account was reinserted without proper notification, per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply with these requests may result in further action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

Respectfully,
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX AND CO XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX BA XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

Each time I attempt to log into my account with EdFinancial, all I get is the following error : " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I have attempted to call EdFinancial, but the lines are busy and the current hold time is 800+ minutes, which is ridiculous. I opt in for a call back from customer service, but I never receive call backs. 

I have also attempted to email EdFinancial, to no avail, as I have never received an email back from them on how to fix the issue.

Their online chat with a representative is also disabled and unusable. 

There is literally no way for me to get in contact with them to get this issue fixed, as all avenues are broken or too bogged down to ever receive a proper response. 

I have loans with this service, as my Student Aid account also confirms. I am unable to log into my account which prevents me from paying these loans. All the while, I am sure any interest or penalties or fines will be accruing until the situation is rectified, in which case, I will refuse to pay said accruing penalties as this is not a problem on my end ( I do want to make my payments, but can't ), but most definitely on EdFinancial 's end and I have received no help from them so far.

I have also submitted a complaint to the Student Aid website as well as this situation is completely unacceptable and seems to be widespread if the hold time and online discourse is seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! XXXX  or equifax did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
Product: Debt collection

I don't recall having a contractual relationship with this collection company CHOICERECOV. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Vehicle loan or lease

Kia Motors has this car reporting on my report as a charge-off with a balance even though it was repossessed. They also let us know that the car was resold. We've reached out to them about the way this is reporting but never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX accounts XXXX XXXX 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 has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NAVY FCU XXXX XXXX XXXX XXXX XXXXXXXX. I made a report to identity theft.gov and submitted a report to you all XX/XX/year> and still nothing has changed
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

I 've been getting calls from company called Bryant and Bryant associates claiming be lawyers office. However, I research them on XXXX and their are collection company. This is total against law and violates debt collection rules. A XXXX XXXX has called me numerous times saying he 's got legal claim against me in his office. I 've saved voicemails sent in last three months. Company refused to verify debt through mail. They called and harassing my family friends and job. They claim be lawyers office however, they are only collection company. State of Ct says that this company ca n't charge without crime its civil issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX and since XXXX I have disputing with Equifax that my credit report was incorrect and that the information on it needed to be corrected and placed back on my credit report. I had fraud on my credit and I notified the police and the three credit bureaus and Equifax is the only bureau to date that still hasn't fixed this error. 
I have had two credit cards with XXXX XXXX one since XX/XX/XXXX and the other since XX/XX/XXXX both accounts were NEVER to be deleted or closed. Equifax claims that they received a letter from XXXX XXXX that stated they needed to close and delete these two accounts. Well I contacted XXXX XXXX and they told me that they never sent anything nor did they close my two accounts and that they both are in good standing and that they have reporting to the three bureaus monthly since I opened the two accounts. So I called tEquifax back and asked to speak to a supervisor and explained everything I was told that XXXX XXXX requested these be closed and we did it and there isn't anything that could be done. I spent week after week calling to get someone to give me a different direction to go in and finally in the beginning of XXXX after calling and mailing out reports and back proving these accounts belonged to me I spoke to a supervisor whom informed me to have XXXX XXXX call the business department. So I did and the supervisor from XXXX  XXXX called the business department while I was on hold with her and they told her that they rejected the request but NO ONE form Equifax notified XXXX XXXX nor myself to let us know this had happen. Now the supervisor form XXXX XXXX states to the business department that these accounts are active and our customer has both cards what should she do to correct this issue, she was told that she needed to have me reach out to the consumer department and let them know these are infact my cards. 
So after she gets off the phone with the business department and tells me what they said I was XXXX. So i got off the phone and called the business department myself and the person that answered the phone told me they can't speak to me as I am not the business, I asked her to hear me out so she did while I was explaining the issue from XXXX till now she tells me i believe you because this story sounds just like the story I just heard on a previous conversation. I told her so what can be done because NO ONE will correct this. She tells me to have XXXX XXXX call back and ask for her and they will work on it. So I did the XXXX  XXXX supervisor called and sent over TWO accounts to Equifax that needed to be reinserted and as of XX/XX/XXXX Equifax has only put one of my accounts back on my credit report. So I would like someone to MAKE EQUIFAX correct my report once and for all and update my credit score as it is INCORRECT. I am tired of disputing the same thing over and over again.
Product: Checking or savings account

I wrote a check to XXXX of XXXX XXXX for a down payment on a car. We agreed to date the check for XXXX XXXX, XXXX, and that is when they were going to cash the check. I checked my account today, and Chase posted the check yesterday, XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX. 

I called to complain to Chase, and they wo n't do anything about it. Instead, they argue with me that the date holds no bearing on when a check can or can not be cashed. 

Luckily, another check cleared in my account, so my account did n't go negative, but that 's not how it works in the state of MI, and they refuse to acknowledge any error on their end. I was leaning on the money until the XXXX when I get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inaccurate accounts and other info on my credit report.