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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquires. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXN Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received notification for a potential fraudulent charge on my Truist checking account on XX/XX/, that was charged for XXXX. I contacted the bank on XX/XX/ saying I did not make the charge. While looking through my account statement I noticed there we additional fraudulent charges from XXXX that I did not make. I told the bank that I have never used my debit card for an XXXX and that any transaction attached to XXXX was fraudulent. The bank 's claim adjuster told me the claims went back to XXXX. I received a letter in the mail stating that my claim was denied. I called the bank for an explanation and was told that because I had done a transaction with XXXX in XXXX that I had a history with the merchant. I again told the bank that I have never used this card for an XXXX. They continuously told me that because I have a history with the merchant that my claim was denied. I then told them once again that I have never used this card with that merchant. The bank said that they would then review the claim again with the additional fraudulent charges. 

I was never contacted throughout the duration of the investigation to the possibility there were additional charges from that merchant. There were a total of 41 fraudulent transactions from XXXX totaling {$1700.00}.
Product: Debt collection

It was first on my XXXX report in collection that I owe XXXX. All state which is the company I cancel auto insurance with them. Follow by insurance with direct auto.
Product: Money transfer, virtual currency, or money service

I opened a chime account around a year ago. Around XX/XX/2021 someone hacked into my chime account and stole my balance, which was around {$400.00}. I called chime to report the missing money. They conducted an investigation and concluded that the money was fraudulently withdrawn, and they put the money back into my account. Several weeks later they closed my account and said they would refund to me the balance that was in my account, which was around {$400.00}. It has been over 3 months now and I have not received the money. I have tried emailing several times but no answer. I also tried calling, but because I no longer have a chime account no one will talk to me.
Product: Credit reporting or other personal consumer reports

Account don't belonge to me XXXX  XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX XXXX XXXX XXXX credit card account : XXXX thats listed on my Equifax, XXXX and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
Product: Checking or savings account

After 7 weeks of stonewalling my stolen check matter ; etrade is showing they've restored the {$1000.00}. 

However : they've cut off access to any means for me to utilize my money! Atm & Debit cards are frozen and my bill pay isn't active!! 

I'm absolutely fed up with etrade and their creative 'fraud BS policy '! The only fraud occurring right now ~ IS DIRECTLY PROVIDED BY ETRADE FRAUD PREVENTION!

This MUST STOP.

I've redirected my future SSDI Income into my Providers debit card. I'm totally fed up with Etrade 's abuse of myself. They're dangerous & highly arrogant in their business practices. I'm done! Leaving as a 12 - 15 year customer. I simply CAN NOT TRUST ETRADE WITH MY MONEY.

Etrade must restore my account, with it's current ID & Password ( which hasn't been breached- except by them ) and STOP HARASSING A XXXX XXXX XXXX PATIENT who deserves to have access to my XXXX money!!!
Product: Payday loan

I received a loan from XXXX for XXXX in XXXX XXXX. I had paid them XXXX by XXXX/XXXX/XXXX yet they still showed me as owing the XXXX balance. The legally allowed interest rate in CA is XXXX per XXXX borrowed, which would have been a grand total of XXXX legally allowed. I wrote them on XXXX XXXX revoking my ACH authorization as they have now been repaid the amount legally allowed. This morning that again deducted XXXX, meaning they have taken XXXX, as well as still showing me owing XXXX and ignoring my letter revoking ACH authorization.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XX/XX/XXXX Speedy cash/curo XX/XX/XXXX Speedy cash XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Financial ser XX/XX/XXXX SYNCB/Paypal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Nowcom/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Stellantis XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Experian. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Mortgage

I had water damage in my home in XXXX 2015. The insurance company paid for work to be done, first disbursement check was sent to me and given to the company. The larger part was sent to the mortgage company, It has been a year. The inspector for the mortgage company, did the inspection and agreed the work has been completed. Freedom Mortgage will not release the check to the contractors.
Product: Mortgage

For the FOURTH month in a row Round Point has incorrectly applied my payment and made collections calls to me that are false. They have received the TOTAL amount of my mortgage payment BEFORE the due date but refuse to post it unless I make a phone call. They seem to be trying to do this in an effort to fraudulently charge me late fees. I've tried calling customer service on Thur XXXX and was told the mistake would be corrected. I then received a call on XXXX stating that my " payment couldn't be received '' but the rep wasn't sure what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX   XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX
Product: Student loan

After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship yo it. Please remove the following information from my credit report immediately : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I have had Flagship Credit Acceptance since XXXX, I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, I got XXXX  in XX/XX/XXXX, I was XXXX XXXX  and I XXXX on the table XXXX time and I had to have my XXXX XXXX I was XXXX, I was in a XXXXXXXX XXXXXXXX XXXX  but my car note was still being paid, they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed
Product: Credit card

On XX/XX/XXXX I tried to make a ACH direct deposit cash advanced for {$15000.00} from Bank of America using a promotion that advertised no interest on said charge via their online mobile app. It was advertised as cash in XXXX business days I mistakenly entered a wrong number for my XXXX XXXX XXXX Account number. After not seeing the cash in my XXXX account after XXXX  days, I called Bank of America as something seemed off. I read back the correct account number to them and was told that it matched what they had. I also made them aware that neither the website or mobile app had any page where I could see the details ( amount, account #, not even a transaction ID ) of this transaction like with any other transfer or transaction. 

After a few more days of still not receiving the money ( now outside of their time window ) I called back again and was met with a lot of rude customer service and insistence that I needed to keep waiting for the transfer. I had to keep insisting that I speak to a manager as something was definitely wrong. 

It eventually came out that the employee had verified the wrong number. I called XXXX and they were able to locate the funds and return them to Bank of America. Bank of America verified that they had received the funds and that the transaction was reversed and complete. 

The following day I received an email from Bank of America stating that another {$15000.00} transfer had been initiated. I immediately called as I had not authorized anything like this after my nightmare experience the first time. I was told this this was a fluke email and that I had nothing to worry about. 

I received the same email the next day and saw money in my XXXX account and knew that something was wrong. After calling back again I discovered that an employee had access my account and initiated the transfer without permission. 

As I did not authorize this transaction I filed a dispute and left the money untouched in my account. I did not want to tell XXXX to reverse the charge because I had no idea where this money would go to if reversed ; I had no details of the transaction and did not know where it would be reversed to. 

After this I paid off my Bank of America card and waited for the dispute to be reversed and transferred back from XXXX. I received a letter in my online portal stating that they needed me to do long list of this things which seemed absurd for a transaction they know their employee illegally made. I kept the money in the same account throughout this time untouched. 

On XX/XX/XXXX after using the card, Bank of America immediately posted another {$15000.00} charge to my account stating the claim had been resolved and that I would be charged interest and fees accordingly for a transaction their employee made illegally and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this account for approximately one year. I make my payments every month. I have even made two or three payments per month a few times. In XX/XX/2023, my payment was due XXXX XXXX, I paid it one day late on XXXX XXXX. They charged me a late fee and that's totally understandable. In XXXX, 2023, my payment was due XX/XX/XXXX, I paid XX/XX/XXXX, again, I was charged a late fee, and that's totally acceptable. The company reported to all three credit bureaus that I was 30 days late. Their actions negatively impacted my credit that I'm trying hard to repair. I reached out to the company via email and someone named " XXXX '' confirmed my payment dates but also maintains the 30 days late reporting is accurate. A one day late payment does NOT constitute a 30 day late reporting to the credit bureaus. I asked XXXX to give me the contact information for the CEO of the company. He said he would escalate my request to a supervisor in 3 to 5 days. They are a fairly new company. Their XXXX reviews are all one star rated with similar complaints to mine. They have many complaints on the XXXX XXXX XXXX site as well. Many people are unhappy with them. This is not an isolated incident. Under the Fair Credit Reporting Act, I have the right to have my information reported accurately. 

I have attached part of the conversation with XXXX, where he confirms my payment dates you can see that they are only one day late not 30 days late.
Product: Credit reporting or other personal consumer reports

RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either XXXX, XXXX, or [ XXXX XXXX XXXX XXXX XXXX XXXX ] for the reporting of my consumer information. 
Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by XXXX, XXXX, and [ XXXX XXXX XXXX XXXX XXXX XXXX ] regarding the furnishing of my consumer information. 
Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to fulfill this statutory obligation. 
Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation. 

Given these multiple violations of federal consumer protection laws, I demand immediate cessation of all unauthorized reporting activities and the removal of any improperly reported information from my consumer files. 
This communication should be maintained in your records as evidence of my formal revocation of consent and notice of statutory violations.
Product: Credit reporting

XXXX XXXX fails to update my credit report as per court settlement agreement. Have made numerous attempts to rectify this matter and no one will correct this matter. I won the Law Suit, have a settlement agreement and yet NOTHING. XXXX did not follow the Laws of the XXXX or XXXX Commercial Code and has forfeited their rights to a deficiency balance among deceptive practices in the repossession in which they did not follow the Law as well.
Product: Credit reporting or other personal consumer reports

Experian has furnished a copy of my report to anyone who is a subscriber, without verifying the debt. They issued 16 credit reports mine to XXXX XXXX, when XXXX did not have a debt to report. 

Experian claims to have investigated XXXX XXXX XXXX, listed in my dispute letter, when XXXX has not responded to date on my dispute of their debt, and written letter sent certified in accordance with FDCPA rules. They ( XXXX ) and Experian continue to report a debt that neither can validate to this consumer. 

XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, and XXXX, fraudulent charges were made to my credit card. 
XX/XX/XXXX for {$39.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX I reported it to Key Bank, and they declined to refund the money, saying the orders were placed from my home computer and, therefore, could not refund the money. I can prove to them I was out of town on vacation when some of the charges occurred, and no one else has access to my computer when we are traveling. They claimed that it was impossible for anyone else to use my computer IP address, so it had to come from me. 
I then took my computer to a local computer service center and had them check it over. They told me my computer had been hacked and the people doing it were watching every keystroke I was making so they could and did have access to my computer. I gave a copy of the letter from the service center to Key Bank but Key Bank still refuses to refund the fraudulent charges. The computer service center reported the problem to the appropriate XXXX and software companies and removed the software that was used to gain access to my computer. I also filed a police report as requested by Key Bank. Can you please help me with this?
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.