23daVinci/CFPB_Complaints huggingface dataset:
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. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!
Product: Debt collection

My identify has been stolen since XXXX with an SBA loan that was not mine. It was reported and disputed, and cleared. In early XXXX, another attempt and credit hit was reported for a rental property in XXXX XXXX  that was not mine. The apartment manager sent me the application documents and the ID she was using. She is a XXXX XXXX  using a fraudulent XXXX  ID with my name, address and social security number, along with someone else 's state ID number. I reported to XXXX Police but they did nothing but file an incident report. I found the address where she was residing with no luck from that local PD to arrest her. Today my credit report, which has a fraud lock on it, showed up with the debt collection of {$9600.00} for one month at XXXX XXXX XXXX XXXX in XXXX. This company did not issue a credit report it seems. This is not my debt and I Do NOT live in XXXX.
Product: Debt collection

dates : unknown Amount {$1300.00} Disputed previously and has re-appeared on my credit report. Informed Credit Bureaus and Diversified I have been a victim of identity thief also filed a report with my local police dept. I have know knowledge of the acct
Product: Checking or savings account

Around XX/XX/year>XXXX  I was charged multiple times, but money was reflecting on my account and when I check again my account was overdrafted and occur overdrafts. And this wasnt the first time it happen multiple times to whew my checking account was closed without my knowledge at Navy federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Product: Checking or savings account

XX/XX/year> - {$5.00} - {$300.00} - {$300.00} - {$300.00} XX/XX/year> - {$300.00} - {$300.00} - {$300.00} - {$300.00} - {$790.00}. 
I called chime multiple times to reopen the case because the investigation only took 1 day. This isnt the only incident thats happened and chime hasnt treated me fairly. Ive currently have this same case open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never had cc with XXXX there on myXX/XX/XXXXit seems like XXXX and XX/XX/XXXXare in couhotes together also on my capital one shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late
Product: Payday loan

I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.
Product: Credit card or prepaid card

I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.
Product: Vehicle loan or lease

Good evening, Sir or Ma'am, I am an active-duty serviceman, and back in XXXX I leased a vehicle through Southeast Toyota Finance XXXX Before the one-year mark, I received orders to be XXXX for 6 months overseas to an active XXXX XXXX. At that time, I returned the vehicle to the Toyota Dealership in XXXX XXXX where I was told that " Everything was good to go ''. 

About a year ago in XXXX ( and 3 years after I returned the vehicle ) I received a letter from Southeast Toyota stating that I owe them {$800.00} for " damage to the vehicle ''. 

When I signed the lease agreement, I purchased excess wear and tear protection for up to {$7500.00} ( see attached document ). But apparently Southeast Toyota Finance wasn't aware of this, moreover, Southeast Toyota is trying to charge me for something that is covered under the protection I purchased, affecting my credit. 

Looking forward to hearing from you. 

Respectfully sent. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a XXXX credit card that I did not apply for. I also received a bill for transactions of {$450.00} and $ XXXX XXXX XXXX in New Jersey on XX/XX/2022. I did not make these purchases. I called the phone number on the bill and the lady told me to report this. I found cfpb site when I search online for fraud. The name is spelled wrong on the bill but the address is mine. So this is where we are.
Product: Credit reporting or other personal consumer reports

XXXX : I discovered incorrect information on my TransUnion credit report, including names, addresses, accounts, and hard inquiries that did not belong to me. Additionally, my own accounts were missing. I believed my file has been mixed with someone elses. 

XXXX : A woman contacted me via XXXX ( the same woman whose name appeared on my incorrect report ), stating that my name appeared on her credit report along with addresses and accounts that did not belong to her and may be mine. 

XXXX Present : I have been working with TransUnion to verify my identity and correct these issues. However, it was only last month that I finally gained online access to my TransUnion credit report. While my name and addresses are now correct, most of my accounts are still missing. I fear that the woman who contacted me may still have my accounts on her report. As a result, my TransUnion credit score is lower than my scores with other bureaus, and I am unsure how to resolve this.

TransUnion advised me to contact my banks, but I believe this is not an issue on their end. Rather, it is a problem that TransUnion needs to resolve directly. My credit reports with the other two bureaus are accurate, further indicating that the issue lies with TransUnion.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/23 I contacted 2 reps and a supervisor XXXX in XXXX. The supervisor was unprofessional and refused to resolve my issue. 
I was given 100 % fee waiver for referral. I attempted to make a transaction when I was asked to add pic of my license the page timed out. When I started over the fee waiver was no longer offered. MoneyGram is refusing to give back the waiver although I never used it and the transaction never completed. They offered me a promo in exchange for a referral to their company. This is a misleading and deceptive practice by MoneyGram. This is my first time using the site, and Im extremely appalled at their refusal to honor a promo that was offered to me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received notice that XXXX XXXX closed my credit card account with them and also reported it delinquent to all three credit bureaus without any prior notice to me. I have been making multiple on time payments every month and the account has not been late in over 10 months. I have reached out to XXXX and as usual they have been unresponsive. They also fail to report to the credit bureaus on time and due to their app never working properly they have caused me to miss payment in the past that have also affected my credit. When I reached out in the past it would take weeks or months to get a response from this business due to their high volume which again would make it impossible to make payments on time. I have my bank statements that can verify that payment have been made on time and emails from XXXX  that would show the account was not delinquent. There was a {$1000.00} and I had {$700.00} left to pay before they closed the account out and I had been making payment on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 



XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX  2017  a fraudulent credit card application was submitted using my social security number.  <P/> After receiving a letter from  XXXX   XXXX  confirming the fraudulent activity. I contacted the  XXXX  credit reporting agencies for copies of my credit report for review of any other unusual in formation on my report. I received copies from  XXXX  of the  XXXX  bureaus   XXXX   and  XXXX .  <P/> AS of this date  XXXX -2017 Equifax have not responded back. I forwarded a written letter as well as a confirmation letter of the fraudulent activity to Equifax and has still not had a response.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request that the following accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently in my name as a result of the breach. 
Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.
Product: Bank account or service

Bank of America is tracking my account information and/or expenses and " packaging '' it as financial planning tool. In reality, the firm is using the information as a UNDERWRITING tool and essentially scoring clients without the their expressed permission or without an application for credit. 
Data that includes information regarding of how and where clients spend their money should not be used unless clients are applying for credit and on a case by case basis. Additionally, how can clients be sure that this information is not being sold?! 
When I signed up for BOA Billpayer and to open an account, I never intended for my account information to be used to invade my privacy. I would like for each of my accounts to be viewed in silo going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to dispute information online with Equifax. They say they needed to send me some code via mail. I have not received that code. I have tried to call and get it solved but every time I call they say their system is down.
Product: Credit reporting or other personal consumer reports

I received a closed-end installment contract account from XXXX XXXX XXXX XXXX, GA dated XX/XX/2021, which I signed. The original loan amount was {$900.00}, with a finance charge of {$240.00}, which equals {$1100.00}. However, I only received {$680.00} out of the {$900.00} loan on my debit card. This means that someone else received the remaining amount of {$220.00}. I would like to know who. 

I am confused as to why I only received a partial payment of {$680.00}, and still have to repay a loan XXXX XXXX XXXX financed in the amount of {$900.00}. The loan was reported as a past-due balance owed in the amount of {$900.00}, by the creditor XXXX XXXX XXXX XXXX , and reported collection past-due balance of {$1100.00} by Spring Oaks Capital LLC XXXX XXXX credit report at the same time. The loan was reported as past due and sold to Spring Oaks Capital LLC but the reported balances ( {$900.00} and {$1100.00} ) are inaccurate. 

The loan amount of {$900.00} plus the finance charge of {$240.00} does equal {$1100.00}, but since I only received {$680.00}, the reported amount is past-due owed is incorrect. In summary, my loan was only financed for {$680.00} which I received on my debit card from XXXX XXXX XXXX XXXX XXXX, not {$900.00}, and the reported balance of {$900.00} reporting inaccurate past due balance owed on my XXXX credit report is inaccurate. The correct balance past due owed is {$680.00}, which I received out of the financed loan of {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  was sent a letter of dispute. After review of my credit reports, XXXX XXXXk has not marked my account as disputed as required by the FDCPA
Product: Credit card

I enrolled in a program that help you when you behind, they enrolled me, the rep told me that all fees would stop, I ask would this report and credit report she replied no as long as you make a payment I got everything caught up and then they reported me as being 30 days late, I called and another rep gave me different info. I only owed XXXX and paid it up, I was only in this program for only a month, I'm not understanding why they reported late on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding fraudulent items on my credit report, despite my many attempt to rectify the situation. 

Despite providing substantial evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This continued presence not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Balance : {$700.00} 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

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, 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 ) 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.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX and XXXX dollars were taken out of my bank account. It was through XXXX that was linked through my Bank of America card. I did not spend this money on some women 's yoga pants brand store. The name of the store is XXXX. The next day I gave Bank of America a call and submitted a claim. The claim was overturned, so I gave them another call asking for a reconsideration. The reconsideration was overturned again on XX/XX/XXXX. On that day, I gave Bank of America a call, and I asked for the documents that were used to make the decision so that I can use the documents to prove that I did not use the money. The lady I spoke to said the documents were mailed to my address and that I would have it in a week. A week later, I received the documents. When I opened the letter, I was surprised to see that it was nothing different than what I received through my email. I didn't see any specification or documents that were used to make the decision to overturn my claim. It just said unfortunately, we're unable to approve your recent claim. That day I gave Bank of America another call. The person I talked to then said that if I visit any Bank of America in person and ask them to give the fraud services a call, they can email the documents to that bank and the bank would print the documents to give it to me. Today, I visited the Bank of America near my house, and asked them to give the fraud services a call for my documents. The lady I talked to said that they don't do stuff like that there, and that she can't give them a call for me. Every time I call Bank of America, I feel like they are just making random excuses. One guy said something about my IP address being the same as the person who used my money, and one lady said something about how the package was delivered to my house. I don't understand what is going on.