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

I have contacted the consumer reporting agencies multiple times regarding the inaccurate information being furnished on my consumer report. CFPB Case Number : XXXX XXXX acct # XXXX is reporting as a derogatory remark. The dates in which the account states were last active and last reported is completely inaccurate. This account has been disputed based on the FCRA violation 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX has sent me some documents which does not bear my signature on it claiming that this account belongs to someone else and that I am a co signer. This is another violation of Title 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Debt collection

I received my first bill from XXXX XXXX XXXX on XX/XX/2023 showing my insurance had paid their portion and it was applied to my account. The original amount due, before my insurance paid their portion, was {$2000.00}. The final amount due ( my portion ) was {$160.00}. I mailed them a check dated XX/XX/2023 for {$160.00}. It was cashed on XX/XX/2023. 

In XXXX, I received another bill from XXXX XXXX XXXX, now charging me for the full amount of {$2000.00}, and not listing the payment that my insurance had made or that I had made. I mailed them a letter with a copy of my cleared check on XX/XX/2023 and asked them to correct their billing error and to please send my a new bill showing my account was paid in full. 

On XX/XX/2023, I received a notice from American Accounts & Advisers saying that they were contacting me to collect the {$2000.00}. I have responded to this collection agency with copies of both the billings, a copy of my insurance claim showing what they paid and what I owed, and a copy of my cleared check.
Product: Credit reporting or other personal consumer reports

There are two collections on my credit report that showing I have a balance I have contacted the crediting report to have them removed and provide proof of evidence that I have a XXXX balance I accounts have been closed. Ive been doing this for over eight months. this is my eighth letter out to the credit report and it still hasnt gone away. 

Here are the collections and accounts they are being reported incorrectly, and then acting my life XXXXXXXX XXXX- XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently viewed my credit report and notice fraudulent accounts I have no knowledge of. It is impacting me from using credit and is hurting my credit score. I demand these account to be removed from my credit report.
Product: Credit card or prepaid card

I had a credit card from Bank of America, which I have been using and paying properly for over a year and the back now says than your office closed my credit card on XX/XX/XXXX of the current year. 

I wasn't advised or noticed about this situation nor the reasons why this decision was made on my credit card. 

I am requesting a review on this decision and appeal to reopen my account. I have my documents which I can provide of needed as well. 

Thanks.
Product: Money transfer, virtual currency, or money service

The XXXX  direct deposited our stimulus  check into a Wells Fargo account that we've never had ... when I call Wells Fargo and give them the account information they say they've never had an account like that ... .I have put in and waited on XXXX tracers ... still haven't got any answer and no money ... it was mine and my husband 's -- XXXX XXXX XXXX XXXX XXXX XXXX it was a XXXX check ... I have the account information that the XXXX give me and it's an account with Wells Fargo and herei Is the account and routing number they supposbky deposited into ... XXXX ( routing number ) XXXX..also Wells Fargo says they don't have account numbers that long ... when I liked this up online it said it was a wire transfer??? IDK but we have not received and we've tried for a year to get our money and I don't know what to... .please help me... .my Gmail is XXXX and phone number isXXXX.thank you so much
Product: Vehicle loan or lease

I paid off my truck on XX/XX/year>. I notified Chrysler not to take money out of my checking account and got a confirmation number XXXX that my auto payment was canceled. 

On XX/XX/year> Chrysler made an illegal transfer from my checking account of {$500.00}. 

I contacted customer service over chat and demanded an a refund as this was bank fraud. I owed them nothing, I revoked my auto payment, they confirmed it, and then they took money out of my account causing financial hardship. 

Today they said it will take 2 to 3 weeks for a refund for the illegally withdrawn monies. This is criminal. I did everything I was supposed todo and they still took monies they were not entitled to. 

Further, I had not debt owed to them, my truck being fully paid off, yet they took it anyways. I want my money and damages for this illegal fraud they committed, as I am sure they do it to many people all the time and think its ok to hold hostage my money for 2 to 3 weeks, not paying interest on it or answering questions about why they illegally transferred money from my accounts.
Product: Money transfer, virtual currency, or money service

I send money via Western Union app on XX/XX/XXXX to my nephew XXXX XXXX XXXX in Delaware. He didn't pick it up then. I called Western Union last year for a refund and an agent told me that they can refund it to the debit card that I used to send the money on the app. He advised me that it's best to have my nephew pick it up because I no longer have the card I used to send the money. 
On Saturday XX/XX/XXXX my nephew went to pick up the money. He was told that the XXXX number XXXX is invalid. 
I called Western Union and spoke to an agent, a Supervisor and a Manager. The Manager told me that it would take 48 hours for the money to be available at a Western union location. She will call and email when the money is available for pickup at a Western union location. Yesterday, XX/XX/XXXX I called Western union again because I haven't heard from anyone at Western union. After given the run around at almost 2 and half hours I was finally connected to a manager that told me that they can't send the money to my nephew, instead Western union will send me a XXXX  number that I could use to pickup my refund BUT it would take 24 hours. He will call me and email me with the number. I haven't heard from anyone today.

I called Western union again and spoke to an agent that remember speaking with me on Saturday. After I gave him my Case No. Of XXXX i was told that a Manager is not available and will have one call me when a manager is available. He also apologized because he doesn't know why it was taken so long to have the issue resolved. This is ridiculous and all I need is to have the money available to my nephew.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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

American Credit Acceptance has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. American credit acceptance customer associate said they don't report to the bureaus until the XXXX or the first of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. 
They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.
Product: Debt collection

I am dealing with the death of my grandfather who just died last week I told XXXX bank I will contact them after I finish handling these family emergencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXXXXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX has reported me to Radius Global Solutions # : XXXX for the amount of XXXX. This account should have never been reported as I was on auto pay and there were two charges for a tech visit that I was promised, I would not incur due to technical issues. I spoke with a rep by the name of XXXX on XX/XX/XXXX who saw CLEAR notes of technical issues since the beginning of service and credited me XXXX due to the error on XXXX  end. I then paid the difference of XXXX. I spoke with collections and billing numerous times. There were two tickets placed for the back office which requested the account to be removed from my credit report and a letter stating the account was paid in full and it would be deleted from my credit reports due to an error on XXXX end. I called on XX/XX/XXXX and spoke to a supervisor in billing named XXXX who advised me the ticket was closed and refused. I am not sure if the tickets placed are clarifying the full issue.
Product: Credit reporting or other personal consumer reports

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to Equifax, XXXX  & XXXX asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX, L # XXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXX, XXXX and do no have a contract with " XXXX XXXX XXXX, XXXX  they do no provide me with the original application like I asked
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair card it reporting act XXXX  those account has violated my right XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) 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, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on Experian, XXXX  and XXXX  they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX  Georgia XXXX. 

I am request that XXXX, XXXX, and Experian update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX purchases were made through bet mgm online which is a sports site and those were not my purchases. I tried to dispute these with my chime bankers and was told I needed to wait until they settled the payments. Once that happened I immediately reported it as fraud and requested a new card as well as changed my pin. They didnt even take the proper time to investigate my claims which were 2 were denied well before 24 hours of me making the claims. I then requested the documents used to determine their decision on XX/XX/XXXX and have yet to receive those. I started a rebuttal for both claims and those have both been denied without documentation as well! I filed a police report the same day the disputes were filed. This is ridiculous I have done everything on my end. I was at work when these charges were coming out of my account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : APLUSFCU - Account XXXX Account Name : IMPACTRECMNG - Account XXXX Unauthorized inquiries : RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I opened checking account with Citibank minimum balance of {$15000.00}. This was in XXXX of XXXX. I opened the account due to a promotion of {$400.00} for opening account with {$15000.00}. I was told I would receive bonus in XXXX of XXXX. My opening balance was specifically chosen to meet this promotion. 

I called multiple times to confirm this and spoke to MSUP XXXX in fall of XXXX. As of XX/XX/XXXX, I have still not received the bonus. I received note that the required balance is now {$25000.00}. This was after multiple phone calls. I think Citibank is engaging in fraud and scamming consumers to open accounts and then never giving bonus.
Product: Vehicle loan or lease

Bought a car at XXXX XXXX XXXX XXXX  used car dealership and gave them {$4000.00} down payment and signed the contract and everything and a few weeks later they tell me that the bank denied the loan and that they needed the car which they have possession of now and won't refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This was CFPB Complaint XXXX for Equifax and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Equifax at XXXX today, XXXX21, I found out that I can NOT mail ANY information to Equifax because they have provided me with NOT a thing other than a XXXX XXXX XXXX which is 100 % UNacceptable. In other words, know I require a Mailing Address for Equifax and have yet to be given one.
Product: Credit card or prepaid card

I received a call from social security administration ( display on my phone ) stating that my personnel identity has been stolen and there are 7 charges ( from various government agencies filed against me ) including money laundering etc. and an arrest warrant has been issued. I have to cooperate with local police if I don't want to go to jail, who then connected me to local police no. person on other side gave his name and badge no, saying I have to follow their instructions. Since I am new immigrant to US and got threatened and followed their instructions of purchasing  gift cards of XXXX and provided them the detail of same ( their instruction was to first secure the funds first and place it in XXXX   account and once new SSN is issued I can open new bank account and transfer this money from this account to new bank account ). Once I realized that I am victim of fraud I did call Citi bank and XXXX  gift cards but it was too late. I also call local police ( who said a big scam is going on so ignore those calls ), still I insisted to file a complaint and they did so. Its very difficult for me to meet both ends and save some money for my kids education and now I feeling robbed and in bad mental state as I am not able to realize that, how can I do such thing and was hoping that City bank could have look at my case as genuine and help me to cover all or some these fraud charges.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I have a complaint regarding the overdraft fees that were billed to my checking account. I have a complaint regarding the overdraft fees that were billed to mychecking account. I was charged XXXX overcharge fees for XXXX withdrawals in which I had funds in the account. I contact your office and spoke with a representativewho credited me with XXXX of the fees back. However, the XXXX fee was never credited. I just do n't understand how I can billed for an overdraft fee when the fundswere in my accounts. I contacted the office of the president for Flagstar Bank and my compliant was pushed aside. Flagstar has now filed a writ of garnishmentwith my employer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.