23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

On XX/XX/XXXX, I lost my wallet, which contained my Chase debit and credit cards as well as my drivers license, while shopping at XXXX XXXX XXXX in XXXX XXXX, New Jersey. The following day, XX/XX/XXXX, I took immediate action to lock my Chase account to prevent any unauthorized activity. On XX/XX/XXXX, I formally requested new debit and credit cards to be issued. On XX/XX/XXXX, I was involved in a car accident in XXXX XXXX, New Jersey, where the police were dispatched to the scene, and I filed a formal police report documenting the incident. Later that same day, I received a call from Chase notifying me of fraudulent activity on my account, including unauthorized transactions traced to XXXX, Georgia. These transactions consisted of a {$1000.00} ATM withdrawal, a {$1500.00} withdrawal directly from Chase, a {$500.00} ATM withdrawal, a {$3000.00} ATM withdrawal, and a {$500.00} ATM deposit. 

These transactions were impossible for me to have initiated, as I was in XXXX XXXX, New Jersey, on the day of the fraud. In addition to being involved in a car accident that required police presence, I was also at work that day and the following day at the XXXX XXXX in XXXX XXXX. Despite presenting evidence of my location and circumstances, Chase has refused to reimburse the stolen funds, claiming that a PIN was used during some of the transactions. This claim is completely false, as I was not in XXXX, Georgia, at any time, nor did I authorize, share, or change my PIN. 

In response to the fraudulent activity, I promptly filed claims with Chase, expecting the stolen funds to be returned in accordance with their obligations as an XXXX institution. However, it has now been over a month since these events occurred, and I have not received any reimbursement. On XX/XX/XXXX, I visited a Chase branch seeking clarification, only to be informed that my accounts had been locked and were now slated for closure. I was instructed to open a new account, but my direct deposits have not been credited to my accounts for several weeks, causing significant financial hardship. 

Chases handling of this matter has been grossly inadequate, failing to address the clear evidence that I could not have initiated the fraudulent transactions and leaving me without access to my funds. The unauthorized withdrawals, totaling {$6000.00}, and the suspicious {$500.00} ATM deposit have not been addressed or reimbursed, and Chase has failed to take appropriate action to resolve this issue. I am seeking an immediate resolution to recover the stolen funds and restore financial stability to my accounts. 

Due to the closure of my account and the ongoing issues with accessing my funds, I am now unable to pay my credit card statements, tuition at XXXX University, rent, and a variety of other essential bills and obligations. This has caused significant financial strain, impacting my ability to meet basic living expenses and fulfill my educational commitments. The lack of resolution to this matter has left me in a precarious financial situation, unable to rely on my own resources to maintain stability.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX has sent inaccurate information to a property causing me to be denied based on rental history that does not belong to me. 

When I requested a copy of my report XXXX XXXX  said I needed to MAIL a form listing all of my identifying information including a copy of my ID as a victim of identity theft I don't see why they can't provide a more secure way of requesting this information. 

This has made my goal to move an unnecessary challenge, I see why they have an F rating with the XXXX.
Product: Credit reporting or other personal consumer reports

In my profile there were some hard inquiries that are not mine.
Product: Debt collection

I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 
Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, XXXX " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] Thank you,
Product: Debt collection

Dear Credit Collection Services, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately.

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Credit Collection Services, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Case Number : XXXX  Please remove it from my credit report.

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I have made numerous attempts to close my membership with XXXX XXXX. I sent a cancellation letter by certified mail on XX/XX/XXXX, I also included a letter from my doctors office explaining that I have health conditions that are high-risk for covid-19. I am unable to attend a gym. I did not receive a response from XXXX XXXX. 

On XX/XX/XXXX I personally went to XXXX XXXX and handed a copy of my contract, letter from my doctor directly to the owners of XXXX XXXX, which both stated, dont worry about this, well take care of it. You are now threatening me with collections. 
. 
According to XXXX XXXX 's agreement in section XXXX. It states, if, by reason of death or XXXX, you are unable to receive all of the services for which you contracted under this XXXX, you and your estate shall be relived from the obligation of making payment for services not taken prior to your death or onset of XXXX. If you prepaid any sum for services, so much of the sum as is allocable to services not taken prior to your death or XXXX shall be promptly refunded to you For the purposes of this provision XXXX means a condition which precludes you from physically using the facilities. Your XXXX must be confirmed in writing buy a physician and providing to XXXX. I have supplied XXXX XXXX with proper documentation from my Doctor that I am high-risk for Covid-19.  XXXX XXXX gym is not following CDC  guidelines and is unsafe. 

XXXX XXXX continued to charge me through the shutdown of gym facilities which was never authorized by me. I have attempted to cancel by phone, mail and in person. California law clearly addresses the elimination or reduction of services. Members have the right to cancel if, at any time during the term of the contract the health studio eliminates or substantially reduces the scope of the facilities ... that were described in the contract, in an advertisement relating to specific location or in a written offer, an available to consumer upon execution of the contact. The consumer may cancel the  contract and receive pro rata refund. ( Calif. Civil Code Section 1812.85 ( c ). )
Product: Credit card

I was given a credit card by PNC that allowed for zero interest during a several month promotional period. I called PNC to ask if I would be charged interest on the balance I accrued during these months, once the promotion expired. I was told that I would not pay any interest on this balance, and only pay interest on debt accrued after the promotional period had passed. I made this call around XXXX 2015, and PNC admits that they have this recorded phone conversation, but continue to charge me interest on past purchases. They have told me that I was given false information, and that this mistake has granted them a coaching opportunity. I told them I did n't think that was very nice at all and requested that the interest payments be credited back to my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, Experian, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but experian is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by Experian CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, Experian and XXXX removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX XXXX if my account was chargeoff i should have recivve a 1099 showing the chargeoff and it should not show a open balace on the account 15 us 1681s-2
Product: Checking or savings account

My Bank of America edd prepaid card ... .. 
I have fraudulent charges that been denied and I never made the charges XXXX and its for about {$1200.00} I have lost my debit card .. and I never made the charges .. my name is XXXX XXXX social XXXX XX/XX/XXXX .. its been over 3 months and Im hurting for money I havent even received provisional credit ..! My phone numnber XXXX
Product: Payday loan

I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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

I have submitted several claims to TransUnion over the course of the last 18 months. Most recently, I have filed a claim online, but when I go to upload the supporting documents, I get an error message stating the site is having 'technical difficulties '. 

These technical difficulties on the TransUnion website have been going on for over one year. It is obvious that this is intentional on TransUnion 's part. I am not able to log into the website to see any information on my account or report, and when I call, I am transferred to a rep in XXXX who is reading from a script trying to sell me services and not fix my dispute.They also ask me to mail in my documentation instead of submitting it online, which I have done, and they have either lost or claimed it was not received, so they close my dispute without settling it. I started the process each time through XXXX, and it comes to a dead stop once it goes to TransUnion. 

The turnaround time for claims is well over 30 days, and I have gotten several emails telling me the dispute has been resolved but I get no information and I am unable to access the information on their website because of 'technical difficulties '. I have attached the supporting documentation for my latest dispute, # XXXX. 

Some action should be taken against TransUnion, as they are holding Americans hostage with their unethical tactics. Credit reporting agencies should be held accountable for their inability to perform standard services. They wield too much power when their performance is subpar.
Product: Debt collection

They contacted me at XXXX XXXX XXXX XXXX XXXX. Didn't indicate who they were calling for. I called back. They didn't give the standard verbiage that they were required to about collecting debt. She asked me to identify myself. I asked her who she was trying to reach. She told me that it didn't work that way and she would note in her system that I refused the call. She then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX XXXX. XXXX XXXX illegally added their company to three credit bureaus. XXXX, Transunion and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to my credit report.