23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear CFPB : On the morning of XX/XX/2022 at approximately XXXX XXXX, I received a notification from Revolut of multiple charges being made for large amounts on my XXXX XXXX I immediately checked the application and saw that my account was in the process of being drained, with transactions of {$460.00}, {$1100.00} ( in XXXX currency ), {$4100.00} ( in XXXX currency ), {$1100.00} ( in XXXX currency ), {$1100.00} ( in XXXX currency ) having been made through multiple merchants, in multiple locations globally. Within a 5 minute period, nearly all the funds were drained from my account, before I was able to freeze the card. After the card was frozen, another attempt was made to charge the card for {$1100.00}. 


I reported the fraud within 5 minutes, at approximately XXXX XXXX, by filing chargeback/fraud reports and talking with customer service. Investigations were opened. At approximately XXXX XXXX ( 3 hours later ), I was notified that the fraud investigation had been resolved, no fraud had been found, and there was no possibility of appeal. 


It is apparent that Revolut did not conduct any investigation - this possibly was automated. Any fraud professional would clearly see the transactions do not fit the pattern of the account, do not fit the geography of the account, and fit the pattern of fraud. Revolut has denied me my right to a proper investigation of disputed charges and has refused to charge back / refund fraudulent activity. The report was made within 5 minutes of seeing the fraudulent charges - when the charges were still pending and easy to cancel. Revolut has no regard for the law in regards to card disputes and does not care to investigate theft properly. 


I have never used the card that was stolen from nor have I given the information to any third party- this came out of nowhere. These charges were made in a blitz account draining, as scamartists do with stolen cards and would be apparent to a professional investigating properly. The card was checked by multiple merchants to ascertain it was active, then charged until it ran out of money, over a 5 minute period.

CFPB, please hold Revolut accountable for their willful violation of FTC dispute/fraud laws. I have attempted to reach out multiple times, with the blanket response that there is no appeal - no reasons, no request for additional information, no request for information from the merchants to determine who stole the money, etc. Please compel Revolut to issue the chargebacks and return my funds for the fraudulent activity on my account on XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$460.00} The card number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avantus LLC ran my credit without my authorization. I did not even provide my social security number. I tried to reach the mortgage company and the contact person via emails and phone calls and he is not responding to my calls. So, please clear the hard inquiry from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to get this issue resolved with XXXX XXXX, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report XXXX XXXX, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The above account is not my account. I have reached out to the credit bureaus multiple of times. FRCA states that everything reporting should be 100 % accurate. I have no record of this account and this is not my account. This need to be removed. I have sent letters asking them to remove this fraud account.

REMOVE FROM MY CREDIT REPORT
Product: Student loan

This Educational account was marked as 90 & 120 days late without a 30-day late. The said issue has been raised to XXXX but up until now they have not removed this account and keep on reporting this account inaccurately. Moreover, they have not presented any proof to ensure that they have investigated this account accordingly. I want this account to be removed as soon as possible. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX number # XXXX, Account number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus Transunion, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Product: Checking or savings account

My direct deposit came through and chime closed my account. The deposit was coming from my job. Chime closed my account for no reason.
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 15 USC 1681. 
XXXX XXXX XXXX Account 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has outdated inquiries on my credit report from 20 years ago. My credit report looks like I have creditors/inquiries on my credit report from 20 years ago. This is horrible. ALL inquiries and phones numbers should be updated/removed from credit report immediately. 
On XX/XX/2022 I disputed school loans on my credit report. Which was Department of EducationXXXX in reference to high balances showing on every loan. I advise TransUnion every school balance for Dept of Education/XXXX had been paid off to zero balances. I advised them to investigate and remove the Dept of EducationXXXX school loans from my report. There should not be any high or low balances showing and to remove the debt & every balance to zero. After my dispute Transunion refuse to remove the Department of EducationXXXX balances . These balances are having an affect on my credit ratings & scores continually if these school loans are not corrected & removed from my credit report. 
XXXX and XXXX has removed all balances and the school debt completely off my report due to the loans being paid in full. TransUnion refuses to remove the balances. According to FCRA Laws and guidelines TransUnion are reporting fraudulent/debt balances & information. XXXX/Dept of Education has given payoff information to each credit bureau XXXX TransUnion will not abide by the law. After, I disputed the high balances on each Dept of EducationXXXX loan , TransUnion decides to change the high balances to original balance which is the same definition. TransUnion continue to leave the credit report school loan balances on my credit to damage my scores & ratings with school loan debt, which every loan should be removed completely off my credit report. My credit score should have been changed to a reasonable credit score since XXXX/Department of Education reported the payoff. TransUnion has not increase my credit ratings due to payoffs as well. 
There are two collections ony credit report with XXXX XXXX XXXX and XXXX XXXX. I have disputes these third party collections due to contracts being canceled/ charged off and I have NO CONTRACT with either collection agency. I have requested for these two collection agency to be remove from my credit report with TransUnion several times. Transunion refused to remove these collections ad well. TransUnion fail to comply with the FCRA laws. I have been really disappointed, in TransUnion unprofessional low standard actions and they are not proceeding to update my credit report correctly nor are they following law standards legally.
Product: Credit card

This may be a XXXX-type complaint about American Express. I had, and cancelled, an American Express credit card years ago. But a little while later, I was suddenly reinstated. I then cancelled it again and, a while later, it was again reinstated. I gave up and now just keep it in the drawer. However, last year I received notice that I opened a high-yield savings account. At the time I called the police thinking my identity had been stolen. However, given the XXXX XXXX news of aggressive salespeople opening unwanted accounts, I 'm now wondering if this explain it better, yet via a different company.
Product: Credit reporting or other personal consumer reports

TransUnion declines to send me the " method of verification " a violation of 15 USC 1681b ( 2 ) I have been requesting this information for over 6 months. If they will not send me this verification they must delete. Intent to sue attached.

Transunion is in violation of FCRA 15 USC 1681n ( a ) ( 1 ) ( B ) Please see attach
Product: Debt collection

LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.
Product: Credit reporting or other personal consumer reports

EQUIFAX has sent me an AI Computer generated reply claiming that the following information has been " Verfied '' and not " Validated '' which is what's required according to 15 USC 1681. I want an actual rep to VALIDATE these accounts and send me copies of the validated information : Below are the responses sent to me from EQUIFAX which are incorrect : CFPB Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax 's reply : A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU
Product: Credit reporting or other personal consumer reports

I requested a method of verification. XXXX has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicly share information with third parties. In my 2nd attempt with XXXX I asked them which representative they spoke to, the date, length of conversation, which employee from XXXX spoke to the party, and or confirming if there was any e-mail or written communication between the members of XXXX company and the bankruptcy court. XXXX has failed to provide me those details.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting on my credit report. The issue with these accounts lies in the inconsistency between the Payment Status and Payment History sections. While these accounts are marked as current under the Payment Status, the Payment History inaccurately reflects a 30-day late payment, which is a clear discrepancy. Due to this incorrect information, my credit score has suffered, affecting my creditworthiness as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$850.00} 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 became aware of the Equifax cybersecurity incident/data breach on X/X/2017 and went to the website https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my data was part of the breach. I clicked the button " Check Potential Impact '' and was prompted to enter my last 6 digits of my SSN and my last name. Unlike the information provided on the page with the button suggesting that I would receive a message telling me if my data was subject to the breach and giving me the option to enroll in TrustedID Premier, Equifax 's system automatically enrolled me in TrustedID Premier without any confirmation on my part. I was not offered information on if my personal information was a part of the data breach unlike what is explained on Equifax 's website nor given the option to choose to enroll or decline to enroll in TrustedID Premier. On XX/XX/XXXX at approx. XXXX PDT, I called Equifax at XXXX and spoke with XXXX . XXXX told me that my information was part of the breach despite not collecting any personal information on the phone call but could not confirm what data was breached, instead referring me to the same website that would not confirm if my data was breached. He also claimed that TrustedID Premier would email me 72 hours after my ( unauthorized ) enrollment, despite never providing an email address. XXXX also referred me to the FTC and gave me the option to cancel TrustedID Premier, which I was unsure about because I never chose to enroll in it and I am unsure if I cancel it if it would prevent me from enrolling again once I weigh details about the program. At this point, per Equifax, it appears that my data was affected, I have not been told what data was affected, and I was enrolled in TrustedID Premier without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX, XXXX XXXX, and AMEX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, in looking at all three of credit reports. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. I have attempted to contact the three bureaus as well as the subagencies and the information has remained on my credit report file.
Product: Debt collection

I placed a direct dispute with wakefield on XX/XX/2020 they have failed to update with XXXX the status of the dispute and they failed to respond in a timely manner plus they failed to provide proof of this alleged debt as mine by providing proof with a wet signature or any instrument bearing my signature