23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX. U {$500.00} was withdrawn from my Chase Bank checking account through XXXX by the hackers on XX/XX/2023. 
XXXX. I reported to the Bank about the incident, but the bank denied my claim. The reason of denial is that the fraudulent transaction was done by my computer. 
XXXX. However, I had to talk with XXXX to return the non-working ink-sets while opening the XXXX website through my computer. 
XXXX. This is not my fault but the online banking security problem between the XXXX and XXXX. 
I can provide more detailed evidence to you if you ask.
Product: Credit card or prepaid card

XX/XX/21 made a purchase of {$240.00} on XXXX after receiving the items I contacted customer support about not disclosing the item ( XXXX XXXX ) wasnt supported by XXXX on their site until we saw a sticker on the box they said it was supported after communication I offered to send a video of the item not working since it was defective they offered to exchange it however it cost {$220.00} to ship it out to their company in the XXXX Ive tried disputing it with my card company and the first was denied I only wish to dispute {$170.00} of the {$240.00} for the item they know i received defective. I dont think its fair that Im stuck with an item that doesnt work I dont have {$220.00} lying around to ship it back out I dont see why they cant provide a label after acknowledging their item doesnt work. I would greatly appreciate any help I could get with this matter. I wanted to return other items with this order as well confirmation of my return request was XXXX. If its not possible to return I at least want to dispute the defective item.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of all XXXX of my credit reports ( Transunion, XXXX, XXXX ). I have noticed several inaccuracies on behalf of the credit bureaus. The reporting agencies ' information on my report is conflicting. The consumer reporting agencies have assumed a vital role under the law, Fair Credit Reporting Act 15 USC 1681 section 602 to make sure that my credit report is " FAIR '' and " ACCURATE '' and 'RESPECT FOR THE CONSUMERS RIGHTS, which they have violated by NOT doing. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have attached the account number in question and a photo of my credit report with multiple inaccuracies. Please investigate this matter. If accuracy can not be provided, I demand that this account be removed.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( transunion, XXXX, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXXTransUnion InquiriesXXXX XXXX XXXX XXXX XXXX XXXX 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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I XXXX, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with Hurricane Irma, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX
Product: Debt collection

Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under XXXX XXXX in XX/XX/XXXX. XXXX XXXX online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet foster and garbus says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to foster and garbus shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help
Product: Credit reporting or other personal consumer reports

Credit Inquires on my report that I do not recognize.
Product: Money transfer, virtual currency, or money service

Hi I have been trying to get a response from coinbase regarding a withdrawal of XXXX  to my XXXX bank account. 

When I withdrew the funds from coinbase I selected a XXXX bank account that had been closed for some time and realising the error contacted the XXXX bank that said the money will not go into that account because it was closed and that coinbase will get the money bank in their account. 

I have contacted coinbase a number of times over the last week and they are just sending a standard response with no attempt to resolve my issue and put the funds back into my coinbase account so I can withdraw to the correct account. 

I am now wanting to make an official complaint as a company like this should have made proper contact by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. This is the second time I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have reached out to the FTC and to my local police and I am doing this on my own. Again these items listed are not mine and need to be deleted from my credit report. XXXX/XXXX, XXXX, XXXX  XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX, XXXX, 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

XX/XX/XXXX Fraudulent wire transfers were made out of my checking account {$29000.00} {$19000.00} When these transfers were pending I immediately called XXXX XXXX told them they were NOT authorized or done by me. Went into XXXX branch and cancelled comprised account/debit card and opened new account. 
Contacted the local police and filed a report victum report against the XXXX persons who conducted the wire transfers. 
Went bank into XXXX bank with identity theft report, police report, wire transfer detailed transactions with persons names etc. Faxed those to XXXX XXXX department. XX/XX/XXXX & XX/XX/XXXX I hadn't received any contact from XXXX XXXX regarding status of getting my money returned. So I called XXXX XXXX Customer service. XX/XX/XXXX they told me they were trying to get the stolen money back from EAST WEST BANK who processed the wire transfers. 
XX/XX/XXXX Went to XXXX XXXX once more with request form from identity theft dispute letter for my dispute funds to be returned, XXXX XXXX complaint form, and fax confirmation XXXX docs were faxed by XXXX branch XX/XX/XXXX.
Product: Debt collection

I sent a debt validation letter which was ignored. By law since my request wasn't fulfilled by said company this should be dropped off my credit report. Attached is the first debt validation sent and proof via certified mail. Also attached will be an affidavit of truth sent by me on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I have requested this company stop reporting on my credit report and to fix the and report the correct balance XXXX XXXX ran up the bill amount without my acknowledgement when I was trying to fix the account, they sent my information to a collections agency in XXXX which is unlawful and not in the accuracy The account involved is in litigation. XXXX XXXX keep reporting on a daily current weekly on my report with the incorrect information the balance indeed is incorrect ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, XXXX, and Transunion. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX has been sent numerous return receipt letters and has failed to respond in a timely lawful manner. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. 
Account Name : XXXX XXXX XXXX # XXXX 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 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Money transfer, virtual currency, or money service

After funds were transferred via ach, i am not allowed access to them. Funds were deposited on XX/XX/2021 and i recieve only automated email response from support email. 
Phone number only directs to support forum which directs to email again.
Product: Credit reporting

This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address
Product: Credit card

In XXXX, my discover credit card was used from my old XXXX via XXXX XXXX to fraudulently purchase over {$1100.00} worth of things from XXXX, including XXXX XXXX XXXX XXXX. This was very irregular activity, and my credit card was not paused and I was not notified when this first happened. I had to go into my account a few days later and pause the credit card to stop the charges, and Discover did not help me at all. After disputing the charges with evidence from XXXX, fbi complaints and more, they still did not resolve my dispute. I have began the process of filing a police report with the XXXX XXXX store where I left my XXXX XXXX, where the charges occurred from according to XXXX. In the mean time, I need these fraudelent charges cleared from my Discover bill.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX Ones failures to deposit my direct deposit and other incoming deposits. XXXX XXXX has technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 1 ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened date XX/XX/XXXX Balance {$260.00} 2 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} 3 ) XXXX XXXX XXXX Account # XXXX Amount {$200.00} '' 4 ) XXXX XXXX XXXX XXXX  Account # XXXX Amount {$160.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$130.00} 6 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$120.00} 7 ) XXXX XXXX # XXXX Amount {$43.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXXXXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
Product: Credit reporting or other personal consumer reports

My three student loans from XXXX was completely paid off on XX/XX/year> in the amount of {$8300.00}. I received two different emails from them saying the loan is completely paid in full and there is a zero balance. 

In early XXXX, I contacted Experian Credit Report company and filed disputes online to get these accounts corrected and they continously closed the disputes without giving me any explaination as to why. I sent them copies of both emails I received from XXXX saying the account was paid in full and closed. They refuse to correct my credit report which still says I have three different XXXX accounts with three different balances. My total credit amount for student loans on my credit report says I have {$15000.00} in student loans and I actually only now have {$6700.00}. I have called Experian several times and they never help me, they just say " I'll open a dispute '' which does nothing because it's closed the following day with no corrected actions or explaination to me. I am now going on two months trying to get my credit reports corrected and I have no follow up or solution for this.
Product: Debt collection

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1400.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage did a credit check on me in XX/XX/XXXX and today XX/XX/XXXX when I asked for a copy from the lend " he stated I'm unable to supply that information and then transferred me to personal relations department ''. The next person told I could not receive a copy due to the company Rocket mortgage used to pull my report and that I could purchase one myself.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00}
Product: Debt collection

Subject : Complaint Against Midland Credit Regarding Violation of Consumer Rights and Account Discrepancy Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit regarding what I believe to be a violation of my consumer rights and a discrepancy with my account # XXXX. I request your urgent attention and intervention in this matter. 

Upon reviewing my financial records, I have discovered that Midland Credit has reported an account # XXXX on my credit report, which I contend is a certificate of indebtedness. This account has been inaccurately reported and is adversely affecting my credit standing.

Furthermore, I assert that Midland Credit has failed to adhere to the terms of my original agreement and has misrepresented the status of this account. Despite my diligent efforts to resolve any outstanding debts, Midland Credit has not updated the account status to reflect that it has been paid as agreed.

As a consumer, I have the right to fair and accurate reporting of my credit information. Midland Credit 's actions not only violate my consumer rights but also hinder my ability to access fair credit terms and opportunities.

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Midland Credit for its violation of consumer rights. Specifically, I ask that Midland Credit be instructed to remove account # XXXX from my credit report as it is a certificate of indebtedness and update the account status to " PAID AS AGREED. '' I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, Freedom Mortgage Corporation was sent by Notary presentment a " FIRST NOTICE FOR AFFIDAVIT OF LOAN DENIAL. '' I invoke my name pro tunc, specified remedy under 15 U.S. Code. -1692. and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX Freedom Mortgage Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition. 

Pursuant to 15 U.S. Code 1635 ( a ), I am invoking my right to rescission as a consumer in a consumer credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX agreed to delete the account from my reports.