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

I have had fraudulent activity and charges on two separate bank accounts. The most recent one was in a joint account with my spouse ; which resulted in having to completely close and open a new account on XX/XX/year>. My login credentials with XXXX XXXX  had been compromised. 

On XX/XX/year> I received a debit card in the mail from XXXX XXXX. I have never applied, opened or have any affiliation with said bank. I reported this to XXXX XXXX  fraud department. XX/XX/year> I receive a credit card from XXXX XXXX. Again, I did not ever apply ; request or have any business ever-with XXXX XXXX  XXXX 

XX/XX/year> I pulled up my Experian account to verify what is on my report ; here I see XXXX XXXX  is on there. This is fraudulent activity ; as someone is using my identity to apply for bank/credit accounts. 

I talked to Experian fraudulent department which referred me to report this.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ( Original Creditor : XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card

I requested XXXX to apply my tax exempt to my account and they refused
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX - Late Payment XXXXXXXX XXXX XXXXXXXX XXXX - Charge Off XXXX  XXXX - Charge-Off XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, XXXX  and Trans Union credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above ( Account # XXXX ) that appears on my credit report. I believe this account is inaccurate and request that you provide the necessary documentation to validate and verify the debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, and I am exercising my right to request such verification. Please provide the following informatio

n : 1. A detailed statement showing the original amount of the debt, including the name of the original creditor. 2. A copy of the original agreement or contract establishing the debt. 3. Proof that you have the legal right to collect the debt on behalf of the original creditor, including any relevant account transfer or assignment documents. 4. An itemized record of the accounts payment history, showing the amount of the debt and any payments or credits applied to the account. Please also provide a current status of the debt and any relevant information about the date of the debt and the original creditor. In the absence of the requested documentation or if you are unable to validate the debt, I respectfully request that you immediately remove this account from my credit report and cease any further collection efforts. Kindly acknowledge receipt of this dispute and provide a written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA. Thank you for your prompt attention to this matter. Should you require any additional information, feel free to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau : Experian CONTINUES TO CLOSE MY DISPUTES AS DUPLICATES and DENY MY DISPUTES ONLINE. PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. Experian will not even allow me to dispute the FRAUDULENT ACCOUNT XXXX   XXXX XXXX ON THEIR PORTAL. I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it will be 30 days and then says it will be sixty days. Each time added more days to the dispute allowing XXXX   XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION WHICH WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX XXXX XXXX AS FRAUD. 

CONSUMER FINANCIAL PROTECTION BUREAU SOMETHING HAS TO BE DONE ABOUT EXPERIAN REFUSAL TO DISPUTE, BLOCK, AND TO ADD A PERSONAL STATMENT TO THE FRAUDULENT ACCOUNT BEING REPORTED TO MY CREDIT FILE BY EXPERIAN.
Product: Debt collection

I have submitted in a complaint before and have provided the requested documentation in a addition have disputed these two accounts for two years. I have spoken to my XXXX XXXX XXXXXXXX XXXX insurance company I had at the time who has confirmed on multiple times that this debt was not ever sent to them as a bill. The insurance company has also sent XXXX XXXX a letter directly stating that any medical bills from XXXX need to be billed to them as they have gotten any bills from XXXX XXXX. With that being said, since this is in fact reporting in correctly I would like both accounts to be removed from my credit reports. I have one for XXXX dollars and XXXX dollars. I have also sent letters requesting for a in depth validation demand for two years now with no response as well. This issue is still and issue and I want it corrected as soon as possible. I have spoken to the XXXX XXXX XXXXXXXX XXXX and they advised that it is intact against my rights for these two items to be reflecting on my credit reports as I have coverage at the times of service and your company did not bill them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX  XXXX XXXX {$660.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously keep on contacting Experian to fix and issue on my credit report due to identity theft and they refuse to fix the issue. I sent in the FTC report and also did a police report. 
XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing an account on my credit report of approx. {$1000.00} that is based on identity theft. I have no knowledge of this account and I have sent several identity theft police reports to Experian for a wide range of identity theft issues. Experian has refused to remove this account and review the police reports that I have sent in.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unlawful reporting of accounts on my credit report.

Violations Identified : Inaccurate Reporting ( FCRA 15 U.S.C. 1681s-2 ) The reported balances, charge-off dates, and account statuses do not match across the three credit bureaus, leading to confusion and a misleading credit report.

Some charge-off accounts are still reporting a balance, which is incorrect and violates proper accounting principles.

Re-Aging of Debt ( FCRA Violation ) The date of last payment or date opened appears to have been modified to make the debt appear more recent, violating re-aging laws.

Unverified Collection Accounts ( FDCPA 15 U.S.C. 1692g ) The collection agencies reporting these debts have failed to provide proper validation of the debts when requested.

Some debts are appearing as " Open '' collection accounts when they should be reported as " Closed. '' Failure to Update Account as In Dispute ( FCRA 15 U.S.C. 1681s-2 ) I previously disputed these accounts, but they were not marked as " in dispute, '' which violates consumer protection laws.

Reporting by a Collection Agency Without Permissible Purpose ( FCRA 15 U.S.C. 1681b ) Some collection agencies are reporting accounts without proof that they have a legal right to collect on the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$1000.00} was stolen from my companys checking account. Below is a detailed account of the events : XXXX. I first received an email notifying me that a new wire transfer recipient had been added to my account. 
XXXX. Shortly after, I received a second email stating that a wire transfer had been made from my account. 
XXXX. At XXXX PM, while on the phone with a XXXX representative attempting to stop the wire transfer, I received a third email confirming that the transfer was completed ( please see attached ). 
I initially contacted the number provided in the first email, which informed me that a new wire recipient had been added. After explaining that I had already received confirmation of the wire transfer, the representative transferred me to the fraud department. I spoke with XXXX representatives there, who then transferred me to the wire transfer department. In that department, I was told I would need to wait XXXX  days to see if the recipient bank ( XXXX ) would return the funds. I insisted that this should not be my responsibility and that XXXX should immediately reimburse the {$1000.00}. However, my request was not granted. 
Beyond my insistence that XXXX reimburse the funds immediately, I believe this incident highlights a serious security breach in your system. Heres why : Based on the screenshots from my account, no new wire transfer payeedomestic or internationalwas added. Therefore, the wire transfer was executed to a payee who was not on my list of authorized recipients, indicating that the transfer was made directly through XXXX without the need to formally add a new payee. Additionally, I always receive texts confirming login and a text for adding a payee and wiring funds, No such texts were received. 

On XX/XX/year>, XXXX notified me that they deterimined that the wire transfer was authorized by wife, who is authorized to use the account. However, she never made any transaction in the account, which was opened XXXX  yearrs ago. I asked XXXX to send me proof that the funds were sent from my wife 's computer or phone, which was what they have claimed, but I never received this proof.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXXXXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I logged on to Wells Fargo to pay my credit card bill. Two things distressed me : 1 ) In the payment options, they have removed the amount that is on my last statement. They only have options for minimum payments due. In the screenshot, you see {$210.00} as the " total amount due '', but when I navigated back to a statement that wasn't visible on the payment screen, my amount due since my last balance was more than $ 4K. In my opinion, this is predatory. They are making it hard for me to pay my bill in full, hoping I'll make only the minimum payment due so they can make more money on interest charges. See attached. This is a recent change to a large lender and very troubling.

2 ) I wanted to see just how much Wells Fargo has changed me for late fees, so I searched " late fees '' on my account activity. It returned " no results '' even though I can see a charge in the screen shot. Again in my opinion, this large lender is hiding data about their fees thereby making it hard for me to know just how much they are costing me.

These are subtle but very concerning changes to online payment user experiences that will lead consumers to make poor decisions with regard to their credit. Wells Fargo is making fees and payment in full opaque, for their benefit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB report has been filed to request pursuant to FCRA 605B ( 15 USC , 1681C-2 ) that you, the Transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consist of XXXX hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of the hard inquiries maintained by Transunion which shows the aforementioned fraudulent inquiries.

I do not recognize the aforementioned hard inquiries appearing on my credit report maintained by Transunion were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint number, as proof from the US Federal Trade Commision that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau They are pretty much unreachable if the consumer wants to ask about credit inquiries on their credit record or more importantly if the consumer wants to unlock a locked credit report. They have a web site process that is completely dysfunctional - just an endless loop. They have a phone tree that doesn't even allow access to an unfreeze function or to a human being for retail clients. A simple web search verifies that legions of consumers all have been asking how to access Experian - and some give " back door '' suggestions such as posing as a business client rather than as a retail client. This is definitely below industry standard - the other two comparable large credit bureaus provide these services easily via both web access and via direct access to phone agents.
Product: Credit reporting or other personal consumer reports

I review my report consistently. The score does not match the accounts listed nor is the account information correct. Meaning, the score is changed upon potentially negative information, however, when that information is corrected and/or updated after a dispute, etc., TransUnion is not adjusting the score. Additionally, my " insurance score '' is quite high, XXXX out XXXX, XXXX being the lowest possible, when there is no reason for such. I do not have that many accounts and/or information that would impact the score in such a way. The inaccuracy of my credit information that TransUnion continues to refuse to correct and/or properly report has impacted my insurance premiums, housing, etc.
Product: Debt collection

Attn : XXXX XXXX Citi Bank Executive Response Unit, I have received your response to my inquiry. However, I am not requesting for " credit of the remaining portion of the disputed charge '' as you stated. I am requesting credit for late fees and interest charges as promised by your supervisors while I was striving to get my money back from the merchant, XXXX. I reported that XXXX was delaying in getting back to me due to time difference and business location and also customer service inadequacies. The merchant is located in California and XXXX and all correspondence came from XXXX. The supervisors I spoke with during that time told me that once this is sorted out, every interest charges and late fees will be refunded back to me. 

I paid every bill until XXXX 2016 when I stopped paying because every bill that I was paying was an interest charge due to my current balance then. If you look at my record you would verify this. I stopped using my card but I was still getting interest charges and late fees as a result of the current balance on my account. 98 % of this money has been returned by the merchant and I still payed all these extra fees and you want me to pay more? 

I request that you kindly remove all extra charges that was accumulated as a result of this incident and let me know the balance that is due me, if there is any, so I can make a payment. I do not agree that I owe what you billed me on my current balance. 

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

I purchased a vehicle, XX/XX/2020. The financial lender that was selected by the dealership based on the rates was, Huntington National Bank. I was not familiar with the institution I later learned they were popular in the XXXX but didnt have any physical locations in Massachusetts . This was the first mistake that I made because as a result I have never been able to build a rapport with the company and have had to endure a vicious cycle of struggle. 

The global pandemic began a month after I purchased the vehicle but I could not return the vehicle. During that time, lenders were offering payment deferrals because no one was working. Huntington national bank offered me a payment deferral plan, I believe in XXXX of 2020. This was a relief because now I didnt have to worry about that expense, or so I thought. 

90 days later I received a notification from the credit bureaus, I was penalized as having a multitude of late payments XXXX days all Im regards to auto loan. When I called the institution they claimed that they hadnt filed the form, another agent told me there was no form, I asked for them to review the automated conversations because everything was recorded. But, there was never any resolution. These late payments resulted in my credit score dropping over XXXX points. I have had trouble over the last several years rebounding. 

These impacts, based on a relief packaged advertised during the pandemic, have resulted in me being denied for opportunities by lenders and landlords. I have had to live on a living room couch because of the snowball effect of what they did to me.