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

There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. There was also additional attempts for larger amounts -- This transaction was from the same company XXXX XXXX XXXX XXXX for the amount of {$630.00} on XX/XX/year> -- XXXX ), this transaction was denied due to insufficient fund. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts. The bank denied my transaction saying that I authorized this payment. The payment is from a company in NJ based on the information from the statement and I live in Oregon. There was also a Police a report filed for the unauthorized transaction,
Product: Debt collection

Anaccountwasopenedinmyname.IdidnotopenaXXXXaccountandamconfusedonwhythisaccountisinmyname.ThisisafraudulentaccountthatIdidn'taskfornorhadknowledgeofitbeingopen.Iwantdocumentationonwhoopenedthisaccountandwhyisthisreportinginmynameasmyaccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified in XXXX, by a debt collector of an unpaid auto loan taken out fraudulently in my name with XXXX XXXX  in late XXXX. Subsequent investigation revealed this unpaid debt to be on all my credit reports, which I requested in XX/XX/XXXX. 

In XX/XX/XXXX, I have written to all 3 credit reporting agencies, to notify them that this debt is the result of identity theft and provided them with evidence of this. I have also asked them to remove the 2 incorrect addresses associated with my credit report. 

XXXX and XXXX have complied. Transunion have declined to remove the fraudulent debt report and called me a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to the 3 consumer reporting agencies ( XXXX, Equifax, XXXX ) to remove the bankruptcy that is on my credit report because it is reporting inaccurate information. 

They responded my saying it is verified. 

Equifax said it was verified through XXXX XXXX. 

As a CONSUMER I have the RIGHT to privacy. 

15 USC 1681-CONGRESSIONAL FINDINGS ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b- Permissible Purpose of Consumer Reports I did not give them any instruction in writing to furnish this information. So if I didnt give any written instruction, why did they put this on my credit report.

15 USC 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

Also if XXXX, Equifax, XXXX, XXXX XXXX have the reference/case number wrong. I have the right to 100 % accuracy reporting. 

Case number : XXXX XXXX : XXXX EQUIFAX : XXXX XXXX XXXX XXXX
Product: Debt collection

I'm a tenant with a rent control, I as been here for 17 years, after my husband passed in XXXX I haven't a legal lease I always signed but they never sent the copy, on XXXX XXXX complaint to the City for the same reason they ordered to sent me a lease copy in 30 days and eliminated all the overcharged for lateness wich its not applied, according to the first lease in XXXX, they sent me the lease I signed but they never sent me the copy. I never stopped to pay my rent, until last year due to covid ERAP deposit an amount of money covering my rent for 5 month on XX/XX/XXXX ( XXXX ) supposed to be covered until XX/XX/XXXX, I started paying my rent on XX/XX/XXXX even with the increased amount that not supposed to happening until one year later ( XXXX XXXX ) I spoke with them about it to many times they became disrespectful with emails, and harassing me with late notifications certified mails and emails, I complained to the Housing again about it on XX/XX/XXXX, I have the docket number and I guess that they have the notification too.They sent me and email telling me that they will sent my debt into collection they did it and today XX/XX/XXXX I Recieved the notification from TSI, and after all this back and forward with the emails they sent me the lease 2 weeks ago ( XX/XX/XXXX ) when I signed in XX/XX/XXXX and I supposed to recieved the tenant copy 90 days later ( around XXXX or XX/XX/XXXX ) and this it's the first legal lease that I have since XXXX and they're overcharged me also I told them if they're right I'll pay what I own and for sure it's not the amount they're saying
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a debit card in the mail from Cash App for an on-line account that I did not open. As of today, XX/XX/XXXX, I have not been able to get this fraudulent account closed due to difficulty communicating with Cash App. My fear is that each day that goes by, this account is being used for fraudulent/illegal activities in my name. 

A copy of the debit card I received is attached ( front & back ). 

FYI - my personal info has been compromised and other attempts have been made to open credit cards or on-line accounts in my name. Alerts & credit freezes were applied to the three major credit bureaus in XX/XX/XXXX. I've also filed reports with the FTC and local police regarding all of these incidents.
Product: Credit reporting or other personal consumer reports

According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX ) such authority. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX ) and the corresponding information is not listed on my consumer report. This account should be promptly updated as ON TIME. 
XXXX XXXX XXXX, XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Product: Checking or savings account

In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.
Product: Checking or savings account

Company refuses to close the account. I am NOT CALLING AND WAITING ON HOLD. My time is worth {$10000.00} an hour. CLOSE THE ACCOUNT NOW.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that on my account name XXXX, there were charge-off 's in the amount of {$130.00} occurring on the following dates : XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. The charge-off on XX/XX/XXXX is accurate, however the subsequent charge-off 's are not. I have disputed this with them twice, however they continue to " confirm '' all charge-off 's are accurate. I contacted XXXX and was informed that they themselves have no record of the subsequent charge-off 's, and do not understand why Experian is reporting that information. I was able to get a branch manager to write a letter stating that only the charge-off on XX/XX/XXXX was valid, and all subsequent reported charge-off 's never occurred. I attached this letter to my dispute. Despite this letter, Experian insists on leaving the charge-off 's on my report, and even states that they confirmed this information with XXXX. Again, XXXX has absolutely no record of these extra charge-off 's has stated they did not confirm them, or report them to Experian. It's also worth noting that Experian is the only credit bureau reporting this inaccurate information. XXXX  and XXXX   correctly show the single charge-off occurring on XX/XX/XXXX.
Product: Vehicle loan or lease

Since the loan was initiated in 2015, we have not received one paper or electronic statement from the bank. Autopay was not used, we have no way to track, no tax information from the last three years. A payment was accidentally unpaid due to the lack of information and the bank said we were one month behind for the last three monts, and the report has been done accordingly during the last three months on the credit. No warning call, no clear information on the website and no statements available since loan initiation. The banks answer : we should have paid using the talon of payments and it was our responsibiity to keep track of it
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number:XXXX On XX/XX/2020 I was advised by Santander customer service specialist to pay off the settlement in full for this charged-off Santander auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, XXXX, and XXXX  requesting to have this Account Number:XXXX Santander account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I disputed eight ( 8 ) inquiries ( XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ) with Experian communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Experian failed to investigate the inquires and delete and remove them as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXXredit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

I opened a Chase checking account on XX/XX/2020, I downloaded the XXXX app to login to my account, I then received an error that stated my account is locked and I need to call to get it unlocked. So I called about XXXX CST, the representative I spoke to was very rude, she put me on over 10 minute hold. She then came back and stated that I have to open a new account. While she put me on another hold, I attempted to go online to open a new account like she stated, however, it said I already had an account was not able to open a new account. She stated that someone in the back office shut my account down, no reason was provided. So I then spoke to a supervisor who was unhelpful and said that this account is locked and will close in 26 days. I had absolutely horrible experience with Chase Bank and the way their representatives lie to customers over the phone and are very hostile.
Product: Debt collection

I have sent a letter out more than once to Midland Funding via certified mail to not only this company but also to the Credit Bureaus verifying this debt. However, both parties listed as valid but have yet to respond with verification to say how did they come up with the verification process to even prove that I in fact owe this debt. This company which I have never had a credit card with not have I received goods from reported against my SSN in the amount of {$600.00} to XXXX, XXXX, and XXXX Credit reporting agencies. Considering, this business have not provided adequate proof I am not obligated to pay this debt.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC Reference # XXXX. 

I have been notified that my identity had been compromised due to the XXXX data breech. 

I noticed a collection account from Resurgent / LVNV Funding LLC via XXXX XXXX. I have never had a XXXX XXXX  account and XXXX XXXX  is not reporting in my credit file. Resurgent / LVNV Funding LLC has sent me three letters dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

I sent certified mail ( Document attached, Resurgent.pdf ; Page 1 ) that was signed for XX/XX/XXXX. I filled out the form Resurgent / LVNV Funding LLC asked me to fill out ( Document attached, Resurgent.pdf ; Page 4 ), Resurgent / LVNV Funding LLC asked for a notarized copy of their document ( Document attached, Resurgent.pdf ; Page 5 ). 

( Document attached, Resurgent.pdf ; Page 6 ) shows a copy of a XXXX XXXX  statement addressed to XXXX XXXX ( Not my legal name ) with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never lived in XXXX. This is a fraudulent address, on a fraudulent account. This address is not on my credit profile. This collection account needs to be removed as it does not belong to me. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I was getting a fees for everything. Late, insufficient, overdraft, not using my card, and etc.
Product: Debt collection

I called to see why I owed an amount that I knew I didnt owe, the representative was very nonchalant and nasty, she kept talking over me calling me a liar. She was very rude then said she was going to update my file as accurate after I tried to resolve that false balance
Product: Money transfer, virtual currency, or money service

Subject : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Dear consumer federal protection bureau I am writing to formally lodge a complaint against XXXX regarding a troubling experience I had with a XXXX transaction on XX/XX/year>. At XXXX XXXX, I received XXXX XXXX, and was informed that the transaction would take approximately XXXX minutes to complete. Following this, I was notified to perform a final check and was told that my XXXX would be visible in my account. 

However, I found that the XXXX did not appear in my account as promised. I was informed that the transaction was under review and that I would need to wait XXXX hours for the coins to show up. Despite this, by XX/XX/year>, the XXXX still had not been credited to my account. 

Upon contacting a live agent, I was told that I would have to wait an additional XXXX days for the issue to be resolved. This situation is deeply concerning, as it appears that XXXX is using customers funds without permission for an extended period, which I believe constitutes fraud. The volatility of cryptocurrency prices means that the value of the XXXX I am owed could change drastically over those days, leaving customers like myself at a severe disadvantage. 

I urge you to take immediate action against this practice to protect users from potentially fraudulent activities. Thank you for your attention to this serious matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections