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

Companies are reporting information that I believe is incorrect. Due to the fact that there was a data breakdown and breach of over XXXX XXXX Americans
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information and to restore my credit score.
Product: Checking or savings account

I was on line entertainment XXXX XXXX I used my chime debit credit card this whole time on XX/XX/2022 I did XXXX deposits that day XXXX and when I was done playing I withdraw approximately XXXX well XXXX wouldnt withdraw my money they said they wanted copys of three different debit cards 2 of them I havent had or used in months I no longer had them I sent them the card I used on there last few times playing my chime card and they wouldnt release my withdraw so I called chime to dispute the charges I used that day XX/XX/2022 I had to wait til charges cleared they said so I called back days later dispute them all then I got a message all but one they disputed I called back several times disputed them all for goods and services appealed it but only one charge for a XXXX XXXX got charged back so then XXXX locked me out of account which XXXX wouldnt withdraw my XXXX bucks which was my goods and service I would dispute all my charges that day cuz I didnt get my goods or service but they had my money so chime didnt do nothing but charge back XXXX XXXX  XXXX of XXXX that day
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX  on XXXX XXXX with a balance of XXXX account number XXXX, XXXX XXXX opened XXXX XXXX account XXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midland funding, LLC At XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Checking or savings account

On XX/XX/2020, Chime bank placed a hold on my account and ended up closing the account that day citing section 9 of their service agreement. 

My account has XXXX $ i recieved from the New York State Department of Labor for my unemployment benefits i was eligible for after being affected by the Covid 19 pandemic. I was in communication for a couple of weeks until Chime just stopped answering my emails. 

I emailed them again to start a new chain of emails with their " support '' on XX/XX/2020 because they never responded to the original one. They responded promptly asking for documentation so that i may be able to access the funds they have been holding XXXX for over a month at that time. 

The documentation they asked for was primary form of government identification which i provided in form of my NY state Drivers License, images of the front and back, a secondary identification of which i asked for an approved list of documents. A bank statement was on the approved list of which i provided a copy of a pdf bank statement within a months date of the email. " Proof of the loads '' onto my chime account, which i provided a pdf copy of my payment history from unemployment NY state Department of Labor and an " explanation, '' which i explained i was an out of work XXXX XXXX US citizen that was eligible for Covid 19 pandemic relief. 

Once i provided all said documentation they just have refused to answer any of my emails. Any phone calls i have made in an attempt to speak with a service representative has failed. My phone number is obviously flagged because i recieve an automated message to email support, which never email back and any calls made from different numbers are asked to provide information for the account in question which leads to them telling me to email support again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but XXXX XXXX will not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.
Product: Credit reporting

On my Experian account there is a company reporting a collections account. I have filed a dispute with Experian and all they did was send a notice to the collection agency and did not ask the collection agency ( XXXX XXXX XXXX ) if they had documented legal proof that I owe this debt. I visited the office of this collection agency ( XXXX XXXX XXXX XXXX ) in XXXX, AZ. and they could not provide any documentation of any form. I sent them a registered letter requesting such information and I also contacted the physical therapy office and they could not provide any proof either, nor have they called me with any status regarding the claimed debt as they promised. I advised Experian and asked them why they did not require documented proof from the collection agency and they responded that the business can report to them any information that they want. I asked if they require the reporting business to have or provide any type of legal documentation indicating that the person that they are reporting negative information on their credit report, they indicated that no basically the reporting company can report whatever they want and Experian in their dispute process will only ask them if they want to continue reporting the information, whether or not they have any legal grounds to do so. 
My complaint is that the credit reporting agency in their dispute should require that the reporting client of Experian should be able to provide legal documentation regarding the information that they are reporting, especially in this electronic age where the information could easily be provided. And if the creditor or collection agency can not provide such documentation then it must be removed. 
If this agency had any legal documented proof they would have filed legal action against me long ago, as I have lived at the same address for over 24 yrs.
Product: Credit reporting or other personal consumer reports

This is my first 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX placed a lien on XXXX XXXX 's home. XXXX is deceased. The lien is related to a debt XXXX XXXX purchased from Bank Of America. These credit card accounts do not appear as a trade line on XXXX 's credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX XXXX signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about these concerns. Please investigate and remove them from my personal credit file. Thank you. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} ; CAPITAL ONE BANK USA N XXXX Balance {$2400.00}
Product: Checking or savings account

TELL CAPITAL ONE TO FIX THEIR ISSUE FASTER. PEOPLE HAVE BILLS AND LIVES DEPENDING ON PAYCHECKS. CAPITAL ONE ISNT BEING TRUTHFUL ON WHY WE ARENT SEEING OUR FUNDS OR RECIEVING DEPOSITS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit card

I currently bank with Wells Fargo. Back in XX/XX/XXXX I opened a credit card through the bank. This past month I realized that my credit card was being charged a monthly fee of {$31.00} for " Credit Defense XXXX ''. When I realize this I immediately went into a branch to research what the charges were for and why they were happening. I spoke to a card services representative who indicated that the service was for in the event that I would become XXXX this was insurance on the card to make the minimum payment for me. I did not enroll or consent to such a service. The bank asked for 10 days to respond to me in writing, which they did ; indicating that they had confirmed that I did not enroll in the service. " As a courtesy '' they were going to refund my account {$180.00} for the past 6 months of service charges. The charges began appearing on my bill in XX/XX/XXXX meaning for the services alone ( not including interest charges and other fees ) they owe me a refund of at least {$330.00} which they are refusing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded to my dispute. Instead it updates the entry with no changes. When i open a new dispute with proof it then forcefully closed the complaint stating it was duplicate complaint. Experian refuses to correct the documented entry on Experian Credit Bureau. I have made multiple attempts with various causes to justify my dispute, all have been ignored. The dispute regards to a documented late payment posted on XX/XX/XXXX, by XXXX XXXX XXXX  revolving account. The account number is displayed as XXXX. Prior to the most recent complaint Experian lied about concluding my dispute. I have attached an image showing Invalid data that was clearly an error that was not verified or corrected.

( 1 ) Under 15 U.S.C 1681 Section 602 A. It State I have the right to privacy. ( 2 ) 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
XX/XX/XXXX I called Experian and opened a new dispute. Which shows XXXX  XXXX violated my rights under the CARES Act which was activated in XXXX due to the National Disaster, COVID Pandemic. In which is still current. Federal Law Prohibits Negative Credit Reporting. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) My account received accommodations which included waived late fees and placing my account into financial hardship programs due to temporary loss of income. My account was paid and placed in a current status and has been. However, the entry was never updated to reflect current. Hence, late payments reported is not complying with CARES Act and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting bad debt on my credit reports. Cbb collections XXXX XXXX XXXX XXXX XXXX XXXX  MT ( XXXX ) XXXX. XX/XX/XXXX {$190.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$92.00}. the company refuses to provide documents or proof. They only say pay it. It is not my bill and if and or it is somehow they have divided it into 4 different claims to intimidate me to just give th money I didn't my have.
Product: Credit card or prepaid card

I was at an atm in XXXX XXXX using my debit card. Several people were around, one said I did not close my account after a cash withdrawal. He pointed to the atm screen which appeared at first glance to remain open. He said I should reinsert my card to close it. I reinserted my card and the atm would not return it to me. I suspect the surrounding people jammed the atm somehow. I made many many attempts to obtain my card from the atm to no avail. I returned home and immediately called my bank, explained the situation and asked them to block my card. I check my card activity online after the call requesting the block. No unusual transactions occurred at that time. This occurred at approximately XXXX on XX/XX/XXXX. 
I checked my card activity later and noted several unauthorized transactions totaling approximately {$3700.00}. Early on XX/XX/XXXX I went to the local police office and filed a fraud/theft report. I notified my bank of the of the fraudulent transactions. 
My bank subsequently denied my claim. They never contacted the bank where the fraud occurred seeking video which was available, they never asked for the police report, they never contacted me in any way until I called requesting the status of my claim. I was told it was denied, no reason was given. I later, on XX/XX/XXXX received a letter at my U.S. address saying the claim was being benied and suggesting I was complicit in the fraud. I should also note that approximately 4 years prior I lowered the daily withdrawal limit on my card to {$1000.00}. Wells Fargo unilaterally raised that limit without asking or notifying me. 
I have contacted my bank, Wells Fargo repeatedly protesting their denial. I am still awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quick Credit is reporting inaccurate information intentionally to effect my credit score and rating. They are reporting a balance of {$1000.00}. The account was opened at {$350.00} and was charged off approximately 3 years ago. The balance at this time is {$170.00}.
Product: Credit card

I paid the balance due on my credit card, by the due date and I was charged interest. I called the credit card company and spoke to customer service supervisor XXXX. She refused to give me any additional information to identify herself. She explained that they employ a very tricky/confusing method of charging interest that is hidden in some small print in their terms. I typically pay off my balance every month, so I had no idea that they not only will charge interest on the balance carried over from the previous month, but then they also will begin charging daily interest on your purchases that month as well. If I would have known this, I would have immediately paid off my balance, but since the statement gave me an amount and a due date of the XXXX, thats when I paid off the balance. Since there was this confusion and I was not notified of a change in how they were calculating my interest charges, I requested a one time waiver of the interest charges and Chase refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company TIME PAYMENT CORP-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX :XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXXXXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX NA Inquiry : XX/XX/XXXXXX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer services and unfair practices, which violates thes consumer protection finical protection Act ( Cpfa ) .Specifically CASH APP failed to take time ; t and effectively 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 ( efta ) regulations E .These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.