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

SDCCU said that XXXX XXXX is managed by a company working for the San Diego County Credit Union. XXXX has frozen my XXXX XXXX XXXX  account with my creditors listed and I can not access account numbers, addresses, and amounts due ; therefore, my payments aren't being paid and going to collections -- due to XXXX unwilling to give me my own list of XXXX XXXX accounts. I'm being held liable for the debts that I can not have access to due this unnecessary and irresponsible actions by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$73.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

in XXXX of 2021 an account was set up in error with Binance.US because of a scam. I deposited accidentally money into the account, I was able to cancel two transactions i the amount of {$3000.00} however there is still a {$190.00} credit in account that I've attempted to withdraw since XX/XX/2021. I've corresponded with Binance.Us via emal -- XXXX email messages and XXXX videos sent ( with same informtion ) as per instructions. The videos for some reason can not be heard by Binance I'm tired of fooling with support. I want to withdraw my funds so that I can be finished each time I send a new video and information support tells not a good format. I'm not sending another one. Apparently there is no supervisor to override the system. 
I've proven myself over and over, we are talking about {$190.00} good grief refund my money close the stupid account and get out of my life.
Product: Credit card or prepaid card

Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.
Product: Mortgage

Nationstar is the worst mortgage company out there. Incompetent customer service have managed to XXXX my account up for 4 months. Can not accomplish a simple task and I typically have trouble understanding them. Ridiculous! I am refinancing with my credit union just so that I do n't have to deal with them. Nothing good to say about this company.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts suddenly appearing on my credit report this morning, and I have no idea why! I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but no luckthe inaccuracies remained. Because of this situation, I urgently request that the documents Ive submitted be reviewed carefully, so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date XXXX  RE : Request Investigation of Credit XXXX on My Behalf SSN XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting or other personal consumer reports

I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, XXXX, Equifax and XXXX have violated 15 USC 1681i.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX FINANCL - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX XXXX Account # : XXXX _____________________________________________________________ INQURIES XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XXXX XXXX, XXXX XXXX XXXX   XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

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

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my account as 30 days past due for XXXX. I have never been 30 days past due with the credit which the company representative confirmed. I requested confirmation in writing and was advised it could not be provided. I also requested to have the 30 day late removed and was told the company does not wait 30 days to report a late payment to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account by XXXX XXXX XXXX in the amount of 631 has been settled and paid in full. The amount of 118 by Portfolio has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end
Product: Checking or savings account

My checking account number was stolen from the mail. only after several months was it used to withdraw money from my account without my authorization. Ultimately several XXXX dollars was removed. all for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe this is one person, police concurr. Chase will give me NO information as to the specific places my money went. 

on XXXX XXXX, I reported this to Chase bank and went over all bogus charges. My account, now closed, was XXXX. 

Chase bank refuses to help recover my money despite repeated attempts, even skipping two charges in their report back to me. Even worse, without MY PERMISSION they stopped sending me paper statements. I am XXXX years old, have XXXX XXXX XXXX XXXX  and have difficulty using the computer and phone for extended periods. 
My ach withdrawals require a lot of paperwork or a statement signed by a bank officer. I never authorized these charges below in attachments.
Product: Debt collection

I was taken to the emergency room at XXXX XXXX XXXX in XXXX TX. on XXXX XXXX, XXXX. I am XXXX Vet, all my medical is paid by the VA. I had confirmed with the VA and XXXX XXXX the bill was paid in full. In XXXX of XXXX I received a collection notice for {$770.00} from Debt Recovery Solutions , LLC XXXX XXXX XXXX, New York XXXX. I immediately called the VA and they confirmed this bill had been paid 5 years ago. The hospital also confirmed the bill was paid. When I called Debt Recovery Solutions the agent was extremely rude in fact hung up on me twice. I called back and asked some questions but the only thing he would say was send a fax proving the bill was paid and hung up. There was no fax number on their notice so I called back and he gave me one. I recently got a notice that there was problems with my credit score and I needed to address this problem. I pulled up my credit report I get once a month from my bank ( XXXX ) and was shocked there were XXXX outstanding amounts in collections, all were from previously paid medical expenses paid in full by the XXXX of witch I also just confirmed paid in full. I have a strong feeling that this company is targeting VA payments that do take some time, over a year to settle up. Through skip tracing methods they can easily find laps periods between XXXX XXXX for Vets and the final resolution of payment by the VA. This example of receiving a collection notice 6 years after services rendered, and after confirmation from the VA. is very troubling and has dropped my score more that XXXX points. Can I get any help with this and my credit scores?
Product: Debt collection

I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.
Product: Debt collection

I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.
Product: Debt collection

The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX XXXX from XXXX  has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$2200.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Checking or savings account

I noticed that a series of unauthorized ACH payments to XXXX XXXX had occured on my account for about 1 year on behalf of XXXX XXXX XXXX XXXX. I did in fact dispute said charges, but to no avail. 

I filed a police report ( # XXXX ) with the XXXX XXXX XXXX Police Department ( XXXX ), but to no avail. Note : Officer XXXX XXXX retired shortly after closing my case. 

I've called nearly EVERYONE in the XXXX and the Prosecutor 's office, but to no avail.
Product: Debt collection

The debt collector is in violation of 15 USC 1692c ( a ), 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692c ( b ), 15 USC 1692d ( 1 ) ,15 USC 1692d ( 2 ) ,15 USC 1692d ( 3 ), just to name a few. According to 15 USC 1692k ( 2 ) ( A ) each violation is worth {$1000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, I received my credit report and I have found unauthorized credit inquiries listed that are not related to any transactions by me. XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Debt collection

I have received numerous phone calls from this company. Some of them have been robo-calls with a message saying that I will be " arrested at my workplace or home and removed from the premises '' if I do not return their call. Other calls have been voicemail messages from a woman basically saying the same thing that I will be arrested at my workplace. I have called them and all I get is either a weird beep and on two occasions I did leave messages asking for more information. I have not received any information as to what this matter pertains to, who I supposedly owe money to, amount owed, or any other information ( on one occassion they left reference # XXXX ). I do n't even know this company 's name. I XXXX the phone number that has called me most ( they use several phone numbers ) and the number is connected with a company called Chaplain Financial Services in Georgia, and I 've found that this is a scam and people are saying to block them and ignore them. I did just that - block them but they are still able to leave these threatening messages.
This morning I received a call at XXXX XXXX and they left a message saying that I would be arrested by Noon today at my workplace. I called them back at XXXX XXXX. and the call went to voicemail. I asked them to give me more information in writing and by mail - not phone. All they 've ever said is my name but they have never said what amount or to whom I supposedly owe this.
Product: Mortgage

Guaranteed Rate mortgage company paid my flood insurance early while I was still shopping for insurance. I found a new flood insurance that was significantly lower yearly from XXXX down to XXXX dollars a year. I had my insurance company fax this to their insurance number XXXX. In the meantime the company went up on my monthly payment from XXXX to XXXX a month. I called them and paid this as they stated they could not redo my escrow for XXXX. I also then paid them the XXXX dollars back on the escrow. They redid the escrow and now say I owe XXXX a month. By my math I should be below the XXXX original payment as I have repaid them. They still state they have not received my new insurance front sheet that has been faxed to them twice. I called again this morning and they stated they still have not received it.
Product: Payday loan, title loan, or personal loan

XXXX XXXX was included in my chapter XXXX Bankruptcy from the beginning. It should not be reporting open nor should it be reporting late. I have contacted the company and they was supposed to stop in the month of XX/XX/XXXX. This is a clear case of false status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans on my credit reports for XXXX, Transunion, & XXXX showing at= late or negative mark on XX/XX/XXXX. I rehabilitated the loans in XX/XX/XXXX. No negative marks should be showing after rehabilitation of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX