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

I am writing you this notice as a follow up for my previous notice sent XXXX  days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.
Product: Credit card or prepaid card

I had a previous Syncrony bank XXXX store financing account which I paid in full and closed. When I bought a new phone it would not allow me to register the new account because the old account existed on the same email. It is now impossible ( apparently ) for me to setup autopay for this card.
Product: Credit reporting

I had a Mortgage Loan with a bank, XXXX XXXX. This property was returned in foreclosure in 2013. It still appears as open accounts. They should be closed accounts now. XXXX XXXX went bankrupt and does not exist anymore.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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
Product: Debt collection

I submitted and disputed this medical dept saying that is owed. I submitted validation letters and they deleted everyone but this one in the amount of {$440.00}. I'm not responsible as proof has yet to be submitted.
Product: Debt collection

I never created this debt. I never knew of this so say debt untill receiving this mail. I moved from that address and someone there has falseafied my information
Product: Credit reporting or other personal consumer reports

I never open Capital one or XXXX XXXX  credit cards or XXXX .... nor XXXX XXXX I need these removed from my credit asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXXXXXX XXXX XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX  XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran 5 hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me. 


n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
XXXX XXXX ( XXXX  ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, also must prove validation of agreement listed by party.
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 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  has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I've provided them with all the documents they have requested from me yet the seller XXXX nor PayPal want to return my money and insist on me paying for nothing ... .....
Product: Credit card

On XX/XX/year> I received an email stating " Your Chime Visa Debit Card has been shipped to you. A bright green envelope should arrive in about XXXX weeks. '' I immediately telephoned the company because I had never heard of Chime and I had a credit freeze in place with all three credit bureaus. The Chime representative asked me for personal information to identify me and then assured me she closed the account and I would get a confirmation email. She instructed me to destroy the card when it arrived. She also told me to put a freeze on my credit with the three credit bureaus ; when I informed her I already had that in place and asked her how Chime could have issued a card despite that, she had no answer. 

I subsequently received an email notification that Chime closed the account per my request. Later I received a second email stating " we regret to inform you that we have made the decision to end our relationship with you at this time. '' THEY did not make that decison. I'm the one that called them to report fraud. They are the ones who enabled that fraud to occur. 

I have since learned that Chime has a program called " XXXX XXXX '' that allows overdraft up to {$200.00}, so right off the bat someone can charge {$200.00} to that debit card without having any funds in the account and without having the physical card in hand ; all that person needs is the card number. This is a ridiculous and irresponsible financial practice that INVITES fraud. 

On the internet I found tons of identical complaints from others. I suspect personal information from past data breaches at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX was used to create the Chime account ; however, Chime obviously failed to execute due diligence in verifying identity, including checking with the credit bureaus for freezes or fraud alerts. 

Chime states " Chime is a financial technology company, not a bank. '' It appears that Chime is not very good at financial technology.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft XXXX XXXX  Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including FTC reports, a police report, a state of Ohio Identification card, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

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

in accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn I ave been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I didn't participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
Product: Debt collection

I contacted Jefferson Capital Systems, after finding out a collection account was posted to my credit report. I researched the company and contacted them via the phone number found on the web. After waiting on the line for 15 minutes, I was transferred to XXXX XXXX This call was placed on XXXX/XXXX/2016 at XXXX. After verifying my personal information, and confirming the last XXXX digits of my social security number, I was advised that my account was owned by Jefferson Capital Systems but it was given to a company named XXXX XXXX XXXX to collect payment. The number I was given to call was XXXX. This number is invalid and it 's for a company called XXXX XXXX. Again, I was never notified of this debt, and called this morning to see what it was regarding. Also, I was never notified that it was an attempt to collect a debt nor informed that any information obtained will be used for that. Under the FDCPA ( Fair Debt Collection Practices Act ), and being a resident in New York State, it 's a requirement for any collection agency to make a party ascertain of the following : " This an attempt to collect a debt and any information obtained will be used for that purpose '', when calling or replying to any type of debt to any and every person I speak to. After looking further into the FDCPA, I was made aware that I can sue a debt collector in a State or Federal court within XXXX year from the date the law was violated, if this violation is not handled. Per the prerecorded message while I was on hold, " all calls were recorded ''. That being said, the recorded call can confirm I was never notified of the attempt to collect a debt. I would like my debt to be closed and removed from my credit report and not sold to another creditor. I would like a letter of deletion for my book keeping or I will contact both State and Federal agencies and take this violation to court under the rights of the FDCPA.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX. ) XXXX, XXXX opened with XXXX XXXX  ( XXXX ) COMPANY LIMITED. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX  for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds
Product: Credit card

I was charged by mistake from the merchant, XXXX, without any provided services on XX/XX/XXXX. I never signed up for recurring charges. I contacted the merchant on XX/XX/XXXX, to cancel the service. I noticed the issue after a review of my bill. I contacted the merchant on XX/XX/XXXX, and the merchant agreed that it was in error. The merchant explained that they are not able to issue a refund for charges of {$240.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX, because they changed their merchant services to a different one since the charges were made. They advised that I make a credit card dispute for a chargeback to get a full refund. My credit card company, Capital One, asked me for more information about the charge. I completed their questionnaire and mailed it to them. They never received it and closed my case. I called Capital One afterwards and explained that they should have received my questionnaire. Capital One emailed a link for me to upload my questionnaire and reopen the case. I submitted the information to Capital one via their emailed link. Afterwards, Capital One denied my claim for full refund for the charge on XX/XX/XXXX, because they told me that it was over 180 days. The other charge on XX/XX/XXXX, is still being reviewed by Capital One. The charges are fraudulent and in error. The merchant wants to issue a refund, but they are not able to. I submitted evidence to Capital One of my cancellation of the service on XX/XX/XXXX, and the merchant 's agreement to issue a refund, but not being able to on XX/XX/XXXX. Capital One has the only access to the VISA dispute process to allow for a refund and they are unwilling to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from XXXX XXXX XXXX to this date. I also sent a copy of the original verification/dispute letter to TransUnion via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Product: Credit card

Hello, I am writing to report an issue with an unauthorized transaction involving my Nordstrom credit card. On XX/XX/year>, a payment of {$680.00} was pulled from my bank account without my authorization to pay my full statement on my Nordstrom credit card. This transaction has caused me significant stress and financial hardship. 
I contacted Nordstrom credit services and the told me some one authorized this payment on XX/XX/year> and I told them no one has my SSN to authorize it and its a fraud and requested a refund but the lady on the phone said she is not able to reverse the payment and Im better follow up through my bank. I filed a dispute through my bank but this is a problem from Nordstrom system and I lost all of my liquidity in my checking account because of their system failure. 

This unauthorized payment disrupted my finances and left me struggling to cover necessary expenses. 

Please resolve this. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX repeated failure to correct inaccuracies on my credit report, despite my disputes over the past five months. Their lack of proper investigation and correction is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). These persistent errors are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Violations of the FCRA : Failure to Ensure Accuracy Violation of FCRA 607 ( b ) : Equifax has failed to maintain accurate information on my credit report. The disputed accounts contain high balance discrepancies, incorrect collection statuses, and unverifiable late payments.

Failure to Verify Disputed Information Violation of FCRA 611 ( a ) ( 1 ) : Despite my formal disputes, Equifax has not verified or corrected the inaccurate information within the required 30-day timeframe.

Failure to Remove Unverifiable Information Violation of FCRA 611 ( a ) ( 5 ) : Equifax has continued to report unverifiable negative information, such as collection statuses and late payments, despite lacking sufficient proof from furnishers. 
Disputed Accounts : XXXX  Account Ending in XXXX : Inaccurate high balance and late payments. 
Requested action : Correct to Paid as Agreed, Never Late. 
XXXX Account Ending in XXXX : Unverified late payments and incorrect high balance. 
Requested action : Correct to Paid as Agreed, Never XXXX. 
XXXX XXXX  Account Ending in XXXX : Incorrect collection/charge-off status. 
Requested action : Delete the collection status. 
XXXX  Account Ending in XXXX : Inconsistent high balance and unverifiable late payments. 
Requested action : Delete the collection status. 
XXXX Account XXXX in XXXX : Incorrect collection/charge-off status. 
Requested action : Delete the collection status. 
XXXX Account Ending in XXXX : Unverified collection/charge-off status. 
Requested action : Delete the collection status. 
My Rights as a Consumer : Under the FCRA, I have the right to : Have only accurate and verifiable information reported. 
Have disputes investigated and resolved within 30 days. 
Have unverifiable information deleted from my credit report. 
XXXX continued failure to meet these obligations is a direct violation of my consumer rights and has caused me financial harm and emotional distress.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Reporting and Lack of Notification Regarding Debt I am disputing the inaccurate amount reported by the collection agency, which does not align with the actual companys records. Additionally, I was not properly notified of this debt until XX/XX/XXXX, despite the service being rendered in XX/XX/XXXX. I request validation of this debt. ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), which states : " A consumer reporting agency shall, upon request, provide an itemized statement of the nature and amount of the charges for the requested disclosures under this section. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have called this Past Sunday on XX/XX/2023. I have reported that my card was lost/stolen and I have also found 6 unauthorized transaction. As I reported which transaction they were. I was told to call back once the pending transaction gets posted to the account. As I was calling back like 3 days later. I was on the phone for about 2 hours due to the fact that each rep had hang up on me and I would have to constantly repeat myself!!

So i'm not sure if i'm getting help or what the deal is. I don't want to be responsible for these 6 unauthorized transaction and I'm not sure what the deal with the customer service department. I'm also tired and fed up about calling back all the time since you guys keep hanging up the phone on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Equifax, XXXX, and XXXX they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Product: Payday loan

Took a XXXX dollar loan. Was told there would be a XXXX service fee, but every 2 week they take out XXXX dollars and now they say my next payment will be XXXX for this XXXX loan I will have to pay XXXX to pay it off I would have never knowingly agreed to this the loan was through big picture loans. They told me the terms, had me sign then showed me my payments. I 'm trying to pay but I know I ca n't keep up