23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over XXXX now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and TransUnion found in my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report i notice that the credit bureau was reporting outdated inaccurate information on my credit report in which i requested that it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collections account that was declared paid in full AND DELETED from all 3 bureaus on XX/XX/20. XXXX and XXXX have removed it from my report, however it is still showing on my Equifax report. I called the collections agency on XX/XX/20 and he stated he submitted a 2nd submission to Equifax on XX/XX/20 to have it removed. As of today, XX/XX/20 it still appears on my credit report. I would like to have this collections account deleted as soon as possible as it has been with the other 2 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax my personal information has been potentially stolen through their cyber security breach in 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am comprehending that the credit reporting agencies, XXXX, Experian, and XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.
Product: Debt collection

Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedABC AUTO INC {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateXXXX XXXX XXXX  {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}
Product: Checking or savings account

I filed a dispute with Chime on XX/XX/XXXX in relation to 3 unauthorized charges that were made using my debit card information. Due to the age of the charges I was informed that I would be ineligible for provisional credit which I understood as that is the policy. On XX/XX/XXXX I contacted Chime Support via the Live Chat in the app to confirm that I successfully uploaded some documents pertaining to the disputed charges. During that conversation the agent I was speaking to put me on hold to reach out to the dispute department and then proceeded to tell me that because Im such a great and loyal Chime member Chime has made me eligible to be issued a provisional credit which is offered to few and selective members. When being told something by a representative of the financial institution that I trust my money with there should be no reason to doubt that it is the truth so when I was informed that Id be getting a provisional credit in my account by the end of the day on XX/XX/XXXX, I made arrangements with my landlord to have my rent payment debited from my Chime account on XX/XX/XXXX. The issue is that Chime never made good on that assurance I was given and did not issue the credit to my account which in turn caused my account to have insufficient funds to cover my rent payment and now Im faced with potential eviction. This all could have been avoided if a Chime member never gave me the assurance that I would have a {$2000.00} credit in my account by the end of day on XX/XX/XXXX because without being told that I would have made other arrangements to pay my rent. I have repeatedly contacted Chime Customer Support and spoke to the dispute department, each time being told that there is nothing that they can do and that the Chime representative who told me about the provisional credit had given me misinformation. If it were obviously a case of giving me slightly wrong information then I would understand but in this instance the Chime representative was fully aware of the circumstances surrounding the charges that I disputed as well as the fact that I was ineligible for a provisional credit and they discussed the matter with the dispute team prior to getting back to me to tell me that I was now going to be getting a provisional credit due to being such a great and loyal Chime member. This matter has caused me great financial and emotional distress due to the negative impact it has had as it relates to my living arrangements. Ive attached screenshots of the Live Chat conversation with a Chime agent during which I was told that Id be getting a provisional credit in my account by the end of the day on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Experian, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

**Complaint Type : ** Fraud or Scam **Company : ** Cash App ( Square, Inc. ) **Account Type : ** Mobile Payment App **Problem : ** Unauthorized transactions/Account takeover **Description : ** " Cash App account hacked, resulting in {$24000.00} fraudulent transactions. Initial {$7000.00} refunded, leaving {$17000.00}. Reported to Cash App support ( case # escalated ) but full refund denied so far. ''
Product: Credit card

I have the Chase United Explorer card that said it provided 2 passes to the United Club every year, and notes the passes are good for a year. The card fee is {$95.00}. I specifically get the card for this purpose as the passes cost more than {$95.00}. I do not keep a balance on the card or need it for credit purposes, and I dont care about the miles earned on purchases as this is not my primary card. 
I saved the passes knowing I was taking one international trip on United and tried to use them today. We were denied access to the lounge- they said it was full but continued to let other people with memberships in. I called Chase to ask to have the passes extended ( they expire on XX/XX/XXXX ) as Im not travelling home until XX/XX/XXXX, and they said they couldnt and I should have used the passes earlier. The is a clear case of completely misleading advertising - the passes are actually worthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to claim # XXXX through the CONSUMER PROTECTION FINANCIAL BUREAU CARMAX AUTO FINANCE claims they are not violating the cease and desist notice that was sent to them by me via certified mail. CARMAX AUTO FINANCE has sighted the Gramm-Leach-Bliley Act as grounds for their ability to report my non-public personal information. The act clearly states : You must give consumers and customers a " reasonable opportunity '' to exercise their right to opt out, for example, 30 days, after you send the initial notice either on- or off-line, before you can share their information with nonaffiliated third parties outside the exceptions. For an isolated consumer transaction, like buying a money order, you may require your consumers to make their opt-out decision before completing the transaction. 
Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. I was never given the option to opt out as stated by law. I am OPTING OUT OF CARMAX AUTO FINANCE SHARING MY NON-PUBLIC PERSONAL INFORMATION. CARMAX AUTO FINANCE alleges that communication of this alleged debt trough the credit reporting agencies is not communicating with me however, it is communicating with me, whether directly or indirectly, which is clearly a violation of the terms of a cease and desist which clearly states ANY medium.
Product: Debt collection

Transmitted electronically form 1099-C Cancellation of Debt was filed with the Internal Revenue Service dated XX/XX/2023. On XX/XX/2023 the Internal Revenue Service accepted form 1099-C. As of XX/XX/2023 form 1099-C was mailed to NELNET INC. at the following XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it XXXX follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ), ( XXXX  # XXXX ) ( XXXX # XXXX ) ( XXXX # XXXX ) ( XXXX # XXXX ) ( XXXX  # XXXX ) ( XXXX # XXXX ) ( XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX / # XXXX / # XXXX ) ( XXXX XXXXXXXX XXXX  # XXXX / # XXXX XXXX # XXXX ) XXXX # XXXX ) ( XXXX # XXXX ) XXXXe # XXXX ) ( XXXXXXXX # XXXX ) open dates is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Money transfer, virtual currency, or money service

I sent a money transfer for {$1000.00} through Western Union to an XXXX XXXX on XX/XX/XXXX. He got the money, then never sent the puppy I had purchased. He left it with XXXX on XX/XX/XXXX. I then found out I had to pay {$1400.00} for insurance and when I entered the amount they said they could n't process it and I needed to send another Western Union Money transfer. I then started having fraudulent charges appear on my cc. I have emailed and phoned the XXXX XXXX XXXX people and they do not reply. The puppy owner would not respond to calls or emails the entire day the puppy was supposed to fly out. They also never informed me they were using this service or the additional fees this service required as on their website www.riversidenewfies.com they state they take care of shipping. After much digging I found out on XX/XX/XXXX that XXXX XXXX is not the persons full name. It is XXXX XXXX XXXX. However Western Union knowingly let this person receive funds. I have contaced XXXX XXXX to file a report on XX/XX/XXXX. The transaction number for sending the money to Western Union is XXXX however they have the date of the order as XX/XX/XXXX with no actual end number for the year and obviously two months out. So technically this order has n't happened I guess. The report number of the report I filed with Western Union is XXXX. However they do n't have the full name of the person they allowed to collect the money, so they should n't have released the money at all. I used my credit card to make the money transfer and within one day I have had 5 fraudulent charges on my credit card that I am trying to resolve. As of now neither the puppy owner nor the airline company will return any phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly all of XX/XX/XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, XXXX, and Equifax as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. Equifax dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in New York or Nevada and it shows those two states on my credit report. Someone else with a similar name must live in New York or nevada, but it is not me. The only states I have ever lived in are XXXX XXXX XXXX Please remove the incorrect residential addresses for NY and NV off of my credit report. Also my bankruptcy should not be included in my credit report, that is private information.
Product: Prepaid card

I had a problem with cash app back in 2020 when they snatched {$540.00} out of my account and then blocked me from using my card. I tried to reach out to customer service and sent several emails but the problem never got resolved and I never got my money back. I still have all of the emails.
Product: Debt collection

XXXX , XXXX XXXX XXXX , XXXX XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of Citibank for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the State of XXXX Superior Court. They are attempting to re-age a debt that is over seven years old, and Citibank had already sued me in 2008 in the XXXX ( XXXX ) Superior Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXX openedXX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number XXXX XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

SYNCB/TJX DC, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I am also requesting a copy of my updated credit report.I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report.
Product: Credit card or prepaid card

I recently travel to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit card was stolen. I called in to TD Bank customer service department indicating that my card was out of my procession. A charge that I did not authorized shown up on my account - XXXX XXXX XXXX XXXX XXXX for {$460.00}. 
I noticed that two adjustments were made to my account. First adjustment was for a credit in the amount of {$460.00} and another for a debit in the amount of {$460.00}. 
These adjustments do not correct unauthorized purchased against my account. 
I requesting that TD Bank honor its commitment to its customers regarding fraud protection.