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

I put in a dispute claim for some unauthorized transactions that occurred over the XXXX XXXX XXXX. I was not alerted of the activity thru the fraud department of the bank ( Chime : XXXX XXXX XXXX ). To my knowledge, there is no actually no fraud security system in place to prevent consumers from being subjected to fraudulent purchases. If I was to receive fraud alerts I could have been more proactive behind the matters. I am being held responsible for unauthorized transactions that occurred over the XXXX while my luggage was lost and stolen in route XXXX XXXX XXXX. No email, no alerts, no protection in place to assure I was the only one authorizing purchases. It has cost me a great deal of money of time due to this. Transactions totaling an amount of {$730.00}. After doing my own research, I learned that the transactions were a purchase of a streaming service, which requires nothing for you to have the debit or credit card information in order to sign up. No identification needed to approve purchase. The other was a purchase made in a grocery store for over {$650.00}. Another purchase that doesnt require a pin nor ID with using it. I do not believe Chime ( XXXX XXXX XXXX ) is considering their consumers if they dont have preventative systems in place for things such as fraud.
Product: Credit reporting or other personal consumer reports

It has taken longer than XXXX  days for the items to be removed under the sanction codes below I have requested that these items be removed not closed under the fair credit reporting act FCRA laws thank you very much. 

Experian trans Union and Equafax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian trans Union and Equafax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a ( XXXX ), XXXX XXXX. XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX ( I try XXXX XXXX Code XXXX XXXX XXXX Code XXXX I have make multiple disputes to each Trans Union, Experian and Equafax in the year of XXXX my credit report has not been fixed there are debts and collections and inquiries that are still on my credit report that should have been discharged. After making multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support  account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of my child. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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 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

These accounts are inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.
Product: Credit card or prepaid card

A charge was fraudulently made on my american express card I contacted both the store and american express and american express is holding me responsible for the charge even though i did not make it. It was XXXX for a chip reader at XXXX XXXX XXXX store.and american express contends i am liable for the charge. I have had a american express card over 40 years without a problem and the first problem i get no help from them
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

company name AFFIRM ... date open XX/XX/2021 ... amount {$2700.00} somebody use my social security to receive a payday loan in my name. then i received a notice on my XXXX  credit report and then i reached out and took the proper steps to get this fraudulent payday loan removed. Then i started to receive constant calls all day while at work and late at night from debt collectors about this debt with AFFIRM thats not even mine.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit reports EXPERIAN, XXXX, XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXX XXXX XXXX appear on my credit reports as a hard inquiry that impacted on my credit score. The pre-qualify on the website indicating No impact to your credit score. I never further applied for an auto loan with this company at this present. This should have not been a hard pull Please launch an investigation into XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 or other personal consumer reports

Kindly take action to block and remove these incorrect accounts from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over 2 months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.
Product: Money transfer, virtual currency, or money service

U.S Bank refused to provide me credits for fraudulent charges on my account from XXXX XXXX. They said that they could not help me because I did not report the fraud within 60 days of when it happened, but that is a lie because there were also fraudulent charges on my account from XXXX that occurred more than 60 days ago that I did get reimbursed for. The dates of the fraudulent charges from XXXX were as follows : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Plus, they said that provisional credits of {$13000.00} should have been put into my account regardless within 10 days from XX/XX/XXXX, and they did not. They have lied to me and failed to protect me against fraud. The charges from XXXX were just as much fraudulent as the charges from XXXX and it does not make any sense as to why they gave that money back but not the money from XXXX. They are breaking the law.
Product: Credit reporting

Identity theft accounts/ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

I had a checking account with Hancock Whitney bank, and it was closed around XX/XX/2020 with XXXX balance. However, I received a debt collection now, and they claim I owe {$62.00}. The reason, I guess, is that they reopened my checking later on without my permission, and kept charging me monthly fees due to a low balance. The worst is they forwarded this debt to a collection agent now. This is illegal and unacceptable.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report inXXXX XXXX. Please update this inaccuracy on my credit report as soon as possible. I am writing to dispute an inaccurate late payment on my credit report on my auto loan. I was never late! Why are you reporting a late payment on file? I want immediate changes to correct my profile, I want this payment to be changed to paid as agreed or OK. I made 100 % on-time payments every single month on this auto loan, and the reported late payment in XX/XX/XXXX is reporting inaccurately. Correct this error immediately to correct my credit profile. I have supported documentation to resolve this error. According to the ( FCRA ) these are the laws youve violated! And I would be uploading this on the CFPB, I want immediate action to correct my consumer report before I take further action and escalate this further! Thank you for your time.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does 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 ;
Product: Debt collection

Hello, On the XXXX of XXXX, a default Judgement was filed against me at a courthouse in XXXX, IL. First, I've had no prior communication with this company and did not know who they were until I received two letters in the mail. 2. I went to the courthouse to find out what the matter was about and they told me that I was sued for a debt. 3. This debt has been discharged by the company. 4. They lied on the court documents pertaining to " service. '' They said that they did a substitute service where they gave the documents to my mother who told the " server '' that she would give me the documents when I get home from work. That is a lie. My mother has been XXXX for nearly 10 years now and I do not work because I've had XXXX and can not work. This debt does not show on my credit report and I was told by two agents who told me that I had a XXXX  balance. 

Another concern that I have is that Midland XXXX XXXX has been sued by several states because of their behavior ( s ). There are thousands of complaints against them online and yet, they remain in business. They shouldn't be allowed to break the law to take advantage of people.
Product: Credit reporting or other personal consumer reports

I was informed by a bank that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are XXXX XXXX not a credit bureaus. A XXXX XXXX is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct t on what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 
PROFIT SERVICES GROU Reported : XXXX XXXX, 2021 {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act CREDENCE RESOURCE MANAGE Account #, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I asked to not be referred to as formerly XXXX on my TransUnion file, the company sent a letter stating that they did not understand the nature of my request. Or it was illegible.? Then goes on to request examples of other complaints that I may have.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXXXXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX # XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I wired {$300.00} through Western Union online to pay a bill from one of my bank accounts to another. I paid a {$.00} fee for a 6 business day delivery. I called 7 business days later. First I was told that the money went through and is with my bank so contact them. I did contact them the same day and my bank told me that was false. Someone from WU said they would call the bank and straighten it out but I never heard back. I called several times since then and then was told a refund was issued with no reason why. I was then told that it can take up to 7 business days for the return. I have emailed and called since with no help and a lot of transfers and hang ups. I wait a long while to speak with people only to be transferred without help. I email the customer service desk with more promises about an investigation on this case, and I will hear back but have not for days. They did finally verify that i indeed do not have the money, but refuse to give me my money back and wont give me any answers. I did make a XXXX cell payment from the bank account that I was told the money was being returned to but since it never was I was over drafted with a {$30.00} fee attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went into the Huntington Bank branch office in XXXX, MI to enroll in automatic payments for my personal line of credit. I was unable to do this task online. I signed the form on XX/XX/XXXX and it states that the start date of the withdrawals would start on XX/XX/XXXX. I called the bank today ( XX/XX/XXXX ) to determine why the payment had not come out and they said it would only be available to be withdrawn on the due date. I asked if interest would be charged daily since XX/XX/XXXX and they said yes. I expressed my concern that I should not have to pay the daily interest if I want the withdrawals to take place on the XXXX of the month. They said this was the bank practice and there was nothing I could do about. I don't think that is acceptable. I should not have to pay more interest than the form I signed indicated payments will come out on XX/XX/XXXX. Account Number XXXX
Product: Checking or savings account

In mid XXXX ( exact date unknown ) Citizens Bank notified me that my account was hacked. After hours of talking on the phone, I was informed ALL OF MY INFORMATION WAS BREACHED. Yes, account number, routing, personal information, the whole 9-yards. Nothing was done. Customer service suggested I get a new bank account and apologized for my data being breached. I now receive HUNDREDS of phone calls a day, to the point where I have to block unknown phone numbers. Now, on XX/XX/12 my account has been hacked AGAIN. Yes, I know I needed a new bank account. But I thought I could go more than 2 months without being hacked!!! This bank has NO CYBER SECURITY and does NOTHING ABOUT IT. Something needs to be done immediately.