23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!
Product: Payday loan, title loan, or personal loan

I was looking on my credit report and saw a charge from speedy cash in which Ive never taken out a loan for. I submitted my complaint through them but they said Id have to file it with yall and or my local sheriff department. It was in XXXX of 2019 and it was for {$500.00}
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSS # : XXXX To Whom It XXXX Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXXXXXX XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$9700.00} XX/XX/XXXX XXXX  XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$80000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$38000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX {$25000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6800.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX Experian, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My husband XXXX XXXX suddenly. I fell 3 months behind and I requested that Wells Fargo please allow a modification of put the 3 months I was behind on the existing loan. They did not. Instead they put me into a new loan before I knew it and my payments were several hundred dollars more a month than before. And now they send me paperwork saying it explains what happened after the fact but this explains nothing. They took advantage of me after my husband XXXX. And I need HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XX/XX/2021 from XXXX, XXXX and TransUnion. Through their toll free number XXXX, thats on their website XX/XX/XXXX. But I only received a file from XXXX. XXXX and TransUnion failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. TransUnion only offers the report you have to pay for or it leads you back to the website they use together or XXXX. I even sent an express overnight letter on XX/XX/2021 to them for my report and I have proof ; that they have received the request form in the mail but still, I didnt receive a file from XXXX or TransUnion that is a violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a repossession in 2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has responded indicating that my accounts have been reporting accurately. However, Experian has not generated a credit score. This issue has been affecting my credit negatively. I have tried many times to contact Experian at different phone numbers. No one has contacted me. I have filed many disputes wioth Experian and added notes to please generate a credit score. I have still yet to receive a credit score after filing several disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX, has violated my rights.

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed the following account fraudulently reporting to my credit file : XXXX XXXX : XXXX. This account is fraudulent. Attached is the FTC report and my identifying documents. As per FCRA regulations, please remove this account from my credit file immediately. Thank you
Product: Prepaid card

I am writing to file a formal complaint against American Express regarding significant issues I have encountered with an American Express e-Gift card that I received from my employer on XX/XX/XXXX XXXX 

Upon receiving the {$250.00} American Express e-Gift card, I attempted to use it for online purchases at various shopping websites. To my dismay, the card was consistently declined. Perplexed by this issue, I contacted American Express customer support to seek assistance and resolution. 

The customer service representative informed me that the e-Gift card might not work at all merchants, despite American Express 's assertion on their website that it can be used virtually anywhere. Furthermore, I was advised to add the card to a digital wallet such as XXXX XXXX and attempt an in-store transaction. Unfortunately, even after following these instructions, the card continued to be declined, leaving me unable to utilize any funds from the {$250.00} balance.

This ordeal has been both frustrating and inconvenient, and it appears that there may be a systemic issue with the functionality of American Express e-Gift cards. To exacerbate matters, my research online indicates that others have faced similar challenges with American Express e-Gift cards. 

I believe that this situation goes beyond a mere technical glitch and raises concerns about the transparency and accuracy of information provided by American Express regarding the use of their e-Gift cards. The discrepancy between the advertised versatility of the card and its actual limitations is not only misleading but also a disservice to consumers who rely on accurate product information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, Has violated my right.

15 U.S.C 1681Section 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 a account without my written instruction.
Product: Credit card or prepaid card

I returned items to XXXX in XX/XX/2020 I noticed that I was charged again for the items. I returned I provided Synchrony Bank the returned receipt via faxed and they continue to give me the run around stating I didnt provide it when I called customer service they said they see it my claim has been closed and re-open multiple times. They still have reported this amount to the credit bureaus have not credited my account pending investigation per letter it states. They have had more than 60 days to get this resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my equifax credit report from XXXX buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a XXXX XXXX. On the morning of XX/XX/XXXX, I noticed another hard inquiry from XXXX XXXX XXXX on my equifax report XXXX I called equifax after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last XXXX days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute against TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards regarding multiple inaccuracies on my credit report. Under FCRA 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), TransUnion is obligated to ensure the maximum possible accuracy of all reported information. The following accounts contain discrepancies that violate both FCRA and Metro 2 byte-level validation standards : 1. XXXX XXXX XXXX XXXX. Incorrect reporting of late payments, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report with maximum accuracy. This must be byte-validated under Metro 2 guidelines or deleted. 

XXXX. XXXX XXXX XXXX payment reporting contradicts historical data, violating FCRA 1681e ( b ). If this can not be verified per Metro 2 compliance, it must be deleted. 

XXXX. XXXX XXXX XXXXXXXX The charge-off status changed to Paid in Full, suggesting re-aging, a violation under FCRA 623 ( a ) ( 2 ) and CFPB guidelines . If Metro 2 Segment 42 validation fails, the account must be deleted. 

XXXX XXXX XXXX XXXX XXXX The Date of First Delinquency ( DOFD ) appears inaccurate, affecting the 7-year reporting limit under FCRA 1681c ( a ) ( 4 ). Failure of byte-level validation should result in immediate deletion. 

5. Closed by Credit Grantor remarks on several accountsXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX misleading under 15 U.S.C. 1681i ( c ). If these remarks fail Metro 2 Format Standards ( Field 19, Compliance Condition Codes ), they must be removed.

Legal Compliance & Required Action : - FCRA 1681i ( a ) ( 5 ) : Any unverifiable information must be deleted.

- FCRA 1681s-2 ( b ) : Data furnishers must investigate and correct errors within 30 days. 
- Metro 2 Compliance : Byte-level validation against e-OSCAR standards is required. Failure to meet these standards warrants deletion.

I am requesting immediate removal of these inaccuracies if TransUnion or the furnishers can not provide byte-level Metro 2 validation within 30 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I used Paypal to purchase a concert ticket. I was sold a counterfeit ticket, it was a scam. I contacted Paypal on XX/XX/22 to report the fraud and request a reversal or refund. They refused to help me. I offered to provide evidence and they were not interested, they chose to side with the criminal rather than their customer, they are complicit in the crime.
Product: Money transfer, virtual currency, or money service

I made a transaction from XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/24 utilizing the XXXX platform thru my banking app under account ending in # XXXX for a payment amount of {$1200.00}. Not realizing I was sending to the wrong account I sent it to an account at Associated Bank https : //www.associatedbank.com/ with an account number ending in # XXXX. This account was closed last month, on XX/XX/24 as a forced close because of a negative balance for too long time. Because XXXX is instant, the money came out my account right away, and I received confirmation from both XXXX XXXXXXXX XXXX and Associated Bank that the payment had been sent and received. I have called both banks to rectify this and XXXX XXXX XXXX says they cant do anything because its instant, and associated has given 2 possible outcomes of what will happen, but that they can not even see record of this payment. I have even provided the conformation/aft authorization number as well as the trace number. I am receiving no answers from anyone. XXXX will not help as the payment was made through a partner bank and not the XXXX app. I would like to know where my money is because someone has it and I need to get it back.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I went to bed and my guest XXXX XXXX had left my home. At the time I had my phone with me in bed. XXXX had re-entered my home without my knowledge and at XXXX XXXX my phone was taken without my knowledge or consent by XXXX XXXX, which you can see on camera from the provided footage. At XXXX XXXX  the transfer of {$1400.00} to XXXX XXXX with the handle XXXX XXXX was completed by XXXX XXXX. XXXX is seen leaving my home at XXXX XXXX When I woke up, I searched XXXX XXXX XXXX XXXX  and found it under clothes in my guest bedroom. 

I was not aware of anything until I realized I had not paid my mortgage on XX/XX/year>. When logging onto Cash App to transfer the funds my Tenants transferred to me, I realized it was short. Thinking it was a tenant who was late on rent, I saw the unauthorized transaction of {$1400.00}. I immediately contacted Cash App and have had no success getting my stolen money returned, despite the countless efforts I have made. 

evidence : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I asked XXXX and Experian to investigate this account XXXX XXXX  XXXX on XX/XX/XXXX and then I asked for an reinvestigation on XX/XX/XXXX. This account XXXX XXXX XXXX was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is XX/XX/XXXX. Experian the last date of activity is XX/XX/XXXX. On XXXX the account is not reporting at all. If the information is coming from the original creditor the date should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Checking or savings account

I applied on a XXXX website, XXXX, and the parents said that they were relocating from California to XXXX. They sent me a check of {$1900.00} and said that they want me to get two {$500.00} and one {$300.00} gift cards from XXXX. The money had already came to my bank account so I thought that the check was legit. I got the gift cards but then they said that they are running low on funds as the realtor needs more money to furnish the apartment so they wanted me to use the {$400.00} which is suppose to be my weekly payment as well as {$100.00} from groceries to get another gift card of {$500.00}. I got the gift card but didnt give it because I was suspicious. The next day my bank account balance was $ XXXX. I filed a police report and talked with the fraud department at Bank of America but they said they cant do anything since I made the purchase. I was able to get a refund on the last card that I didnt give.
Product: Debt collection

Midland Credit holds several accounts under my name. They have re-aged each of them on my credit file. All of these accounts were first reported delinquent in 2009. Midland Credit has purposely re-aged the accounts to cause them to remain on my credit file for longer than the seven year limit in violation of Federal Law. I sent them a letter listing all these accounts and they have refused to provide me with correct information verifying the debt and date of delinquency. I have listed all of the accounts in a letter that I sent to Midland, attached hereto. They sent me a letter in XXXX saying they needed more information but I only have the information on my credit files.
Product: Payday loan, title loan, or personal loan

I was expecting to pay off my loan today that was quoted to me on XX/XX/12 that my payoff was XXXX. And a XXXX XXXX To day when I called 2 days later. I was being charged {$300.00} more than quoted previously. Due to finance charges- I was not quoted finance charges when I asked for my pay off amount 2 days ago. I asked to have them reversed so I can be done with the loan and the rep XXXX said no its a financial charge. I find this to be a shady practice as I was given my pay off 2 days ago not expecting another {$300.00} to be tacked on. If I was give a payoff price I should have had that be done with my loan not extended by XXXX. I want to dispute this charge as XXXX then quotes to me that the payoff would be {$310.00} on Monday! Seriously! How does that work if they added {$300.00} in 2 days and then the next 2 days they will be adding only {$11.00}? No! Please reverse all charges as I have payd them completely off as of today. All funds were paid in full as quoted by previous staff and the original life of the loan included late fees. Junk financial charges should be removed please
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX USD was submitted to Wise ( Transferwise ) to be converted and sent to XXXX in the XXXX. Due to an incorrect memo on the transfer, the recipient rejected the transfer. Despite providing proof of the rejected transfer to Wise, they did not refund the money. We were able to recover the funds by providing proof to our bank, but this resulted in Wise incorrectly claiming a debt for the amount. Despite many attempts to close this issue with Wise 's support, including providing all supporting documentation, they have sent my account to collections for a debt I do not owe.