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

On XX/XX/XXXX, there were multiple fraudulent activities occurs on XXXX of my checking accounts. Someone did a telephone transferred of the amount of {$11000.00}. Due to identity theft, they were able to open a savings accounts in my name and transfer the {$11000.00} into that account. Then, the transactions were then moved back and forth into my checking accounts. Initially, I was told that the " back-end '' off will take a look at the case and will reach out to me if there's any further questions. I asked if I need to submit my supporting documents and the representative told me to just wait until they reach out. I didn't hear anything, but I received letters stating my accounts are closed. Then, I called Chase again, they informed me that the case is already closed and they will issue me a check if there's a balance. Before this incident, I know I had my own money in my account ( less than {$500.00} ). I was still waiting. In the beginning of XX/XX/XXXX, I received a call from the collections office stating I owe about {$420.00}. I told them that I am a victim of fraud and my accounts were closed with no balances because the " back'end office had said the situation has been resolved. The representative also stated that the check were already mailed in the amount of {$11000.00} to someone name XXXX XXXX and my check should be sent soon. She couldn't give me an amount, since it's being processed. The rep informed me that they don't have any supporting documents and I can re-fax it to XXXX with my claim # XXXX # XXXX. XX/XX/XXXX. I went to my local chase bank and XXXX XXXX XXXX faxed my paperwork and she told me it was sent, but she will not be able to provide confirmation to me and I would have to wait for someone to reach out. On XX/XX/XXXX, I called to check on the status. I was being transferred to multiple departments and not receiving an unclear answer. At XXXX, I spoke to a claims representative XXXX ( ID # XXXX ), she said couldn't help me and she will transfer me to another rep in the Claims Dept. She connected me to XXXX ( she didn't want to provide her id ). XXXX told me that the original fax number that I have is incorrect. The original fax number was for regular claims and not for Identity Theft claims. She provided me with fax # XXXX and also provided me with a mailing address. She told me to re-fax it, but sending in my documents will not have an affect because because the claim has already been closed and approved. She also said that I would have to speak to Collections to still set up a payment. I told her why would I need to do that, if I am a victim of fraud. Why would I have to pay it back? 
There's too many miscommunication within each chase department. I'm getting different number to reach out to and the " run-around ''. This is ridiculous, I've been a Chase customer for over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

Equifax removed child support from my credit report and recently added it back to negatively affect my credit score. Not only is the assumed debt wrong but it is illegal to report child support on your credit report it is not something in which I obtained credit. Also according to 15 USC 1681b ( 2 ) & 15 USC 1681C-2 It is illegal to place any information on my credit report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. XXXX removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} Account control bureau has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!
Product: Credit card

XXXX XXXX loan through Comenity bank. Electronic notifications from Auto-payments were the only communications received. There was no notification in those emails of a promotional rate or that it was expiring. My Father passed away and I was spending time with him in XXXX from XX/XX/XXXX through the end of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed the auto pay had tripled at the same day I was paying off the balance. The balance should have been around {$1500.00}. But the balance was as high as the original amount from nearly XXXX years ago. 

They charged an accrual interest of {$2300.00}. This is unjust and they were unable to help with any customer support.
Product: Bank account or service

My account has been permanently limited ( closed, for all intents & purposes ) by PayPal for an ex post facto rules violation. They state that they will send me information on how to withdraw my account balance in 180 days.
Product: Checking or savings account

On XX/XX/XXXX, I completed an online application for a savings account that was offering High yield investment interest. On XXXX the XXXX my money was drafted from bank account and I haven't found where is it as of this moment. I was told by customer service that my money is not showing up because it stated that it would take 30 days to show up. But all I want is my money to be transferred back to my account. I placed a transfer for {$5000.00} because that is what the software required to get the rates that was being offered. There no Physical address for this Webster Bank on line. This just another scam by companies who are stealing from the poor. This bank needs to be closed down. This no way it takes 30 days just to see where my money, being electronically transferred, from my account in less than 4 days, but it will take 30 days to show up in my account as of right now it shows that I have a bank account with {$00.00} dollars. Please help me get my money back. I am 71 years, old and I am in XXXX.
Product: Money transfer, virtual currency, or money service

I deposited {$230000.00} to Gemini and now they are not allowing me to wire back the funds to my account or to send the money in crypto to a different crypto wallet
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

THIS ACCOUNT IS FRAUD. I SENT LETTERS TO THE BUEARUS XX/XX/23AND A FEW TIMES BEFORE THAT.
Product: Credit reporting or other personal consumer reports

CitiBank is reporting incomplete information on my credit report, rendering it inaccurate. As a consumer, I am entitled to accurate and complete reporting under the FCRA. After disputing the accuracy of this information through XXXX, the company verified that the information was accurate and complete. *These inaccuracies consist of incomplete or missing balance history information listed below : * Balance history information is missing for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Some of these months contain an alleged late payment with not payment history information reporting. * There are XXXX balance reported for the month of XX/XX/XXXX ( {$1000.00} and {$950.00} ) * The payment date for the months of XX/XX/XXXX through XX/XX/XXXX are all reporting as XX/XX/XXXX. * XX/XX/XXXX and XX/XX/XXXX both have an incorrect payment date of XX/XX/XXXX * XX/XX/XXXX and XX/XX/XXXX have the same payment date of XX/XX/XXXX. * The Month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX * The months of XX/XX/XXXX and XX/XX/XXXX are both incorrectly reporting a payment date of XX/XX/XXXX * The month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX. Since these inaccuracies are affecting me financially, I request that this account be removed from my credit report in whole as a result of the inaccurate reporting of this account. 
Please read this complaint before marking it as duplicate because it has nothing to do with my last complaint. I am disputing the accuracy of this account specifically balance history information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app Transunion XXXX  XXXX  All show this info that was no fault of my own
Product: Credit reporting

As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have harassed me numerous times and I require you to ceast and desist all communications with me and block and remove your information from MY consumer report
Product: Debt collection

I am being put into collection for something I have no responsibility with. I have no contract with the collector reporting to my credit. I have also been part of identity theft and reported it the same day it happened. instead of helping me it was charged off and placed into collection. please help me get this collection removed off my credit as its affecting my ability to do anything. this has been very frustrating. I have reported to the bbb, and all credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$23000.00}
Product: Credit reporting 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. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've never lived at these addresses listed above. 15 U.S.Code 1681 Section 602 A. States I have the right to privacy. 15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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: Credit reporting, credit repair services, or other personal consumer reports

Experian investigated a Bankruptcy case reporting on my credit report. They sent me the results of the investigation which resulted in the deletion of the item on XXXX. The dispute was closed out. They then in return reopened the same dispute and inserted the item on my report and didn't notify in writing within 5 business days per FCRA 611 ( 15 U.S.C 1681 ) Section 5 subparagraph A. 

I demand for this item to be deleted as I have previously provided that the third party agency they claim to receive their verification through has no records of said item on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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. 

I have provided XXXX, TransUnion, and XXXX with a copy of my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information ; XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card

XXXX of XXXX, Bank closed my account with no reason behind it, Ive made all my payments on time, never late. I contacted my bank about the inaccurate information, they looked into it and they had no reason themselves on why my account was closed.