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

Found out once I got a notification of payment due by a monitoring company I use. XXXX XXXX allowed my ex spouse access my account via phone in XX/XX/year> and defer payments for XXXX months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by XXXX XXXX. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called XXXX XXXX advised them I was unaware of this deferred XXXX  months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting XXXX  days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in XXXX  years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus XXXX days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXXXXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by XXXX years from those XXXX yr active accounts gone. I paid as agreed. XXXX XXXX will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX DOB : XX/XX/1987 Equifax XXXX XXXX XXXX XXXX GA XXXX 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 a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I would like for the following accounts to be properly verified or removed immediately. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by Goldman Sachs and have been using it for the last 6 months. 

My current problem with the XXXX Card right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to Goldman Sachs to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but Goldman Sachs is not reporting it correct right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was improperly handled by Equifax and as a result, ended up being collected by malicious parties. The option to obtain credit monitoring and restoration services should be available without having to opt out of a class law suit.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I discovered a fraudulent transaction of {$1400.00} made from my XXXX XXXX account. An unauthorized individual from XXXX accessed my account and transferred the funds without my knowledge or consent. The funds were sent under the name of a third party and paid out in XXXX XXXX XXXX. 

I immediately contacted XXXX XXXX to file a fraud claim and also filed a dispute with Wells Fargo, as the funds were withdrawn from my checking account. Despite providing complete details of the fraud, Wells Fargo closed my claim. I later received a letter stating that the case was closed because " Based on the information you provided and additional information from the merchant, we found the charges were made by you or someone who had your permission. '' Upon contacting Wells Fargo to follow up, I was informed that the claim was closed because XXXX XXXX confirmed that the account was mine. This indicates a misunderstanding, as the issue was not the ownership of the account but rather that unauthorized transactions were made. 

On the day the fraud occurred ( XX/XX/year> ), I was alerted to the fraudulent activity by XXXX XXXX fraud detection system. Upon discovering the unauthorized transaction, I immediately XXXX my card. As a result, the perpetrator attempted to charge my card multiple times through XXXX ( XXXX XXXX ) to send themselves more money, but all subsequent attempts were declined. 

I have since filed a police report with the XXXX XXXX XXXX Police Department and an IC3 complaint. I am requesting that Wells Fargo reopen my dispute, as this was a clear case of fraud, and I have provided all necessary documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Ginnys and XXXX XXXX XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX  Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a Senior Citizen these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Ginny 's, The Swiss ColonyXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud
Product: Credit card or prepaid card

I was sickened by report number XXXX! This should be illegal, OH WAIT, IT IS! Experian received gains and benefits from knowingly transferring identification documents, authentication features, and/or a false identification document knowing that such document or feature was stolen or produced without lawful authority, therefore, committing identity theft. ( 18 U.S. Code 1028 ) Experian is grossly violating federal law against me the consumer by continuously ignoring 15 U.S. Code 1681 subsequently eroding public confidence. Experian is operating in an unfair and inequitable detriment to me, the consumer. Experian continues to act with no regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681 Also, by Experian ignoring 18 U.S. Code 1028, Experian has received value and gains by transporting information for the unlawful assembly of inaccuracies resulting in its identity theft, it being without my written permission and without my instruction. Experian tried to intimidate, inconvenience, and enslave me and bully me to walk away from my rights. Experian ignored the law and prevented me from enjoying my consumer rights. Experian made it hostile for me the consumer to make contact with it. Experian 's unlawful assembly is a subsequent identity theft that has hurt my being. Experian 's improper utilization violated Federal Law and me as a consumer by causing me to unfairly lose many opportunities and vast resources. Experian 's agents rudely led me in circles only to come back and deny the grave duty Experian has as a Federally regulated entity.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears through some point the JPMCB CARD SERVICES Phone ( XXXX ) XXXX Type of Industry Bank Address XXXX XXXX XXXX, XXXX, DE XXXX, has taken a personal interest in my credit worthlessness, numerous hard inquiries have been made since I discovered fraudulent activity back in early 2010, suddenly out of no where I have had several repeated hard inquires that are both unwanted, unauthorized and making my credit look like a an imbecile. 
I 1st and foremost take exception to any inquires, I do not want nor do I wish to do business with JPMCB. I demand they retract the actions as they were never authorized by me. 
I say back off XXXX, unless you have reason to call, then pick up a phone or write me. I am not going anywhere!
Product: Credit reporting or other personal consumer reports

I have been trying to login to Equifax for days now. Calling and trying to reset my password. I either get hung up on or wait for hours to then get hung up on. If I try through their website it just refreshes and doesnt help me log in. This is extremely concerning.
Product: Debt collection

Issue : Rubin & Rothman , LLC, on behalf of XXXX, XXXX, engaged in unethical debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple requests for validation, the firm initiated legal action and provided incomplete or inconsistent documentation. 

Details : XXXX XXXX XXXX failed to validate the alleged debt despite a timely formal request under FDCPA 15 U.S.C. 1692g. 
The firm initiated a lawsuit in the XXXX of XXXX XXXX of XXXX XXXX, XXXX, before validating the debt. 
Requests for proof of XXXX XXXX XXXX license to collect debts in XXXX were ignored. 
Documentation provided by the firm included inconsistencies, such as improperly dated or unsigned materials and references to unrelated individuals. 
XXXX XXXX : I request the CFPB investigate XXXX & XXXX practices and ensure compliance with federal debt collection laws to prevent further consumer harm.
Product: Credit reporting or other personal consumer reports

I have requested to verify a late payment made in XX/XX/year>. 

I have never been late and this is affecting my ability to get approved for a mortgage loan. 

This is not okay and I do not approve of this reporting when this is highly inaccurate. 

Please get this resolved as soon as possible.
Product: Prepaid card

I am a rushcard holder, and two weeks ago there was some type of glitch with their system once they upgraded their technology. Because of this, I was unable to gain access to my funds that were supposed to be direct deposited the day before. I also was not able to reach anyone at Rushcard for several days, and still have been unable to reach anyone as of today. 

This caused my bills to be late, and I am now trying to play catch up on the expenses that I had during that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXExperian Subject : Complaint Regarding Incorrect Personal Information on Credit Reports Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning my credit report. I recently obtained a copy of my credit report from XXXX and Experian, and upon reviewing the information, I was astonished to discover several inaccuracies and erroneous personal details present on my report. I am deeply concerned about the potential consequences of these inaccuracies and kindly request your immediate attention to rectify the situation. 

These inaccuracies are of great concern to me, as they can have significant implications on my financial standing and overall creditworthiness. I understand that it is the responsibility of XXXX and Experian to ensure the accuracy and integrity of the information contained within my credit report. 

I kindly request that you investigate these discrepancies promptly and take immediate action to correct the inaccurate personal information.
Product: Checking or savings account

Fifth Third Bank notified me that my savings account was dormant, and the only way to reactivate my account was to PHYSICALLY come into a branch to make a deposit or withdrawal. 

This was confirmed by a Bank Associate on XX/XX/year> who initially called from my neighborhood branch, the Bank Manager and another Bank Associate from my neighborhood branch on XX/XX/year>, and a Fifth Third Customer Service Call Center Representative on XX/XX/year>. All the above Fifth Third employees said I COULD NOT reactivate my dormant savings account over the Fifth Third app or online using the website. 

However, my dormant savings account was hacked into online on XX/XX/year> and money was stolen via online web transactions. I did not receive written or verbal notification of the reactivation. 

Fifth Third gave false information to me on multiple occasions, and did not protect a dormant savings account from being reactivated online contrary to the policy stated by multiple employees.
Product: Credit card

I opened a Credit card for Best Buy in XXXX. XXXX years later, I was notified by mail that there had been a lawsuit, and upon looking more closely at my statement I noticed I had been charged by XXXX. I did not recall consenting to this additional fee. I followed the steps outlined to end that " XXXX XXXX '' account and get the fees dropped. I was told that the account was canceled. After that, I had charged some large purchases to the Best Buy card and set the payment to autopay. To my surprise, I was recently notified via XXXX XXXX  that my Best Buy card was over 90 % utilized. It would appear that I have unknowlingly been charged fees every month for " XXXX XXXX  '' that I don't remember signing up for or agreeing, not to mention canceled years ago. Apparently it was never canceled, and because of this recurring fee my card is just about maxxed out. I called Best Buy had to go through a few hoops to be transferred to the correct department and told, again, that subscrition is canceled. However, I was not offered any sort of retribution.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This account i tried numerous time to settle debt and the company never fulfills their end. Many times they told me to make a payment and my total debt shown will be decreased and nothing so far. Im not sure if this is something that company says to collect money but Im tired of calling and trying to settle with broken promises on their end.
Product: Bank account or service

Had funds taken out of my acct that were not supposed to be from my account. Saw the check withdraw of {$630.00} called and after a 20Min call was told bank mistake would try to credit account would take up to 48 hours. Later that day curious checked my acct to find that my acct was not credited but again debited another {$630.00}. Called talked w XXXX acct customerService and was told hopefully can credit acct tomorrow but wo n't find out until tomorrow what? The second charge was pending just reverse was told could not so now I am waiting on XXXX credit! Help!!!
Product: Debt collection

Had no prior notice of claimed debt or how much or why debt was owed. Suing company ( Calvalry SPV I LLC simply tried to serve summons notice via USPS mail and later sent summons server declaring there intentions to serve me summons. I only found out that I was being sued from attorney letter offering to help with law suit in letter dated XX/XX/2019.
Product: Debt collection

On XXXX XXXX XXXX I was denied a XXXX XXXX due to a collection from Credit Collection Services, a.k.a. CCS. I was not aware of the debt so I had to research to find out and it was a debt with XXXX XXXX XXXX XXXX, a final bill. The reason I didn't know it existed is that I currently have services with XXXX and they didn't try to collect the amount. I was never sent any documentation about the debt and never given time to prove this debt was not valid. My credit report shows all of my bills paid on time 100 % for years. To add this to my report without providing me the ability to dispute this or pay this is fraudulent. When I contacted the collection agency they were not polite. Especially senior supervisor XXXX XXXX. She did not care about what I tried to say and kept telling me she understands why I am upset, but that is false if she provides not alternative. I spoke to XXXX first who was equally rude and told me it is a waste of time to speak to a supervisor since they will tell me the same information. I understand in most cases the process is automated, but when a consumer calls and pays the company directly this company said they take 30 days to update information. They didn't allow me any opportunity to fix this sooner. They didn't allow me to even ask. I am losing an apartment rental over {$190.00} because this rude collection agency that reported a debt without my knowledge. This is unfair practice and they should not be allowed to do this without verification of serving me. I hung up and told them I am filing a complaint and she didn't care. It was very rude. XXXX XXXX XXXX XXXXXXXX should have also told me I owed this debt and they should not have allowed me to pay online if the debt was truly with a collection agency. I want this off my report for false information since they should have told me to pay before allowing me to have lights at my new location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously asked Equifax to update 3 accounts that were chargeoffs but were paid. These accounts were updated to show XXXX balance and the term " PAID-CHARGEOFF '' was added to the Remark section of the accounts. This is not an accurate display of my credit history. These accounts should read PAID-CHARGEOFF in the " payment status '' field not Collection/Charge-off because FICO uses this filed to calculate FICO scores. The " account status '' is of course CLOSED but the status of payment is PAID. Am I wrong??? I think not. 
Another issue unrelated to the previous one is that my credit score dropped 43 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. This with NO ACTIVITY at all in my file for that time span. How is this possible??? 
I'm going to attach all relevant documents to these problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$200.00}.
Product: Debt collection

Please provide with proper validation on this accounts and who owns it .cause ima XXXX it send all responses in writing thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at MUFG UNION BANK XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.