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

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that may have been given Please see the attached notice ( XXXX ) I have also attached the first notice ( XXXX ) that was sent to each corporation that has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Product: Credit reporting or other personal consumer reports

Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) 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 or other personal consumer reports

UNDER 15 USC 1681a ACCURACY AND FAIRNESS OF CREDIT IS THE LAW THAT THE BANKING SYSTEM IS DEPENDING UPON OF AND THE CRA IS BLATANTLY REPORTING INACCURATE AND FRIVOLUS ACCOUNTS THIS IS INACCURATE
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ) .Specifically, Cash App failed to take timely 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 Trasfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two unknown medical collection for {$100.00} the account numbers # XXXX and XXXX. There is no name of the company listed. I never received a letter validating the debt. The Debt just appeared on my Equifax credit report on XXXX/XXXX/2017. Also Equifax continues to report XXXX XXXX  XXXX XXXX and XXXX XXXX account # XXXX. None of these companies have provided a signed contract binding me to the debt that they are reporting to Equifax. Also I have not received verification that this debt was assigned or sold to collector, information that these companies are licensed in florida to collect. I have n't received nothing to validate this debt. In the US law encyclopedia, American Jurisprudence, 73 am Jur2d. Sections 90-93 ; It says that one can not subrogate onto a contract that they were not original on, did not have any interests. Thus, when an original creditor sells the debt, but they did not give these rights to the collection agency can not act as a substitute for the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

On is XX/XX/2020 and I still haven't even heard back from these Companies yet. 

They responded on XX/XX/2020 with adjustafiable information. 


The company did not fix anything & stated basically they maybe thought I was a attorney working on this for a consumer or not who I say I am, but I sent my documents proving who I am like my SSC & drivers licensee & stuff. My letters were very detailed and anyway it's been over more than 30 days with no response so by law all details has to be fixed. All my information was clear. Even the CFBP agent seen everything clearly & understood. They wasn't sure why neither. I will take legal actions
Product: Checking or savings account

I am writing to formally file a complaint against Chime Financial regarding the repeated denial of my disputes for unauthorized transactions on my account. I believe Chime has failed to adequately investigate these incidents and has employed unfair dispute resolution practices. Furthermore, I am concerned about a recent attempted fraudulent transaction on my account. 

During my period of incarceration, several unauthorized transactions were made from my Chime account. Upon discovering these unauthorized activities, I promptly notified Chime and initiated the dispute process. I provided comprehensive documentation to substantiate my claims, including : * Official records verifying my incarceration, clearly demonstrating my inability to authorize financial transactions during the relevant period. 
* Detailed information about the specific unauthorized transactions in question. 
* A letter from another financial institution approving my dispute based off of the same evidence submitted. 

Despite providing conclusive evidence, identical to that which has been accepted and approved for a refund by another financial institution, XXXX XXXX XXXX XXXX, Chime has consistently denied my disputes. The denial letters have been vague and have failed to provide a substantiated rationale for the denial of my claims. Moreover, Chime has informed me that they will not accept my letter as a basis to open another new rebuttal. 

1. Denial of Disputes : Chime has repeatedly denied my claims for unauthorized transactions, despite the compelling evidence I have provided. This demonstrates a failure to adequately investigate these disputed transactions. 
2. Unfair Dispute Resolution : Chime 's dispute resolution process appears to be unfair and arbitrary, as they have disregarded evidence that has been accepted by another financial institution. 
3. Insufficient Explanation for Denial : Chime has not provided a clear, detailed explanation for the denial of my claims, making it difficult to understand the basis for their decisions. 
4. Recent Attempted Fraud : On XX/XX/year>, there was a recent attempt to make a fraudulent transaction on my account for {$320.00}. While this transaction was thankfully prevented, it further underscores the need for Chime to take my security concerns seriously and thoroughly investigate all suspicious activity on my account. 

I have been a victim of financial fraud and have taken all reasonable steps to resolve this issue directly with Chime, without success. I believe Chime 's actions are a violation of consumer protection laws. I look forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. 

The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to help me.
Product: Checking or savings account

I was alerted via XXXX XXXX ID Theft protection service that an account was opened under my social number with Navy Federal Credit Union on XX/XX/2019. The bank did not verify that the social securitynumber did not belong to the person opening the account. It also ignored the fact that I had place a security freeze on my social security number with all three agencies. I have filed a report with the bank a week ago and they aresupposed to investigate but they have not been forthcoming about how this happened and what damage hasbeen done to my credit file as a result. I have called multiple times.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that the following item ( s ) are inaccurate : XXXX / XXXX, XXXX, XX/XX/year>, {$2700.00} These inaccuracies have resulted in an unfair representation of my creditworthiness and have caused significant harm, including [ state any financial impact, emotional distress, etc. ]. I believe the responsible party has failed to follow the necessary steps to ensure accurate reporting, as required by law. 

As outlined in Section 1681o, I am entitled to dispute any information that is reported negligently. In accordance with the FCRA, I request that you take the following actions immediately : Investigate the disputed information and correct or remove the erroneous entries.

Provide me with a copy of the corrected credit report reflecting the updates to the disputed items.

Confirm in writing that the necessary corrective actions have been taken and explain the steps you have taken to ensure compliance with the FCRA in the future.

I expect that this dispute will be resolved in a timely manner, as required under the FCRA, and that my credit report will be updated to reflect the accurate information. Should you fail to comply with the FCRAs requirements, I will not hesitate to pursue further action to enforce my rights, including seeking damages under Section 1681o for negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the issues have been resolved.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

First let me say I am VERY worried that this is going to happen to other customers. Uber has recently cancelled this credit card all together for new applicants and has changed a huge array of benefits and % 's related to it. They are clearly changing their customer service to be able to better avoid accountability for fraud and this is extremely concerning. 

1. I got an email saying that about {$300.00} in credits ( formerly cash back ) from my rewards points earned was applied to my Uber Account. 
2. At the same time, there were 2 unknown charges on Uber that were not me 3. I cancelled the card as I realized that someone was committing fraud. 
4. I asked Barclays for help. They put in a support ticket. 
5. I followed up to ask for an update - they told me that I should contact Uber instead of them. I asked why they put in a support ticket if they can't solve it and they apologized and said they can't help me. 
6. The number they gave me to call Uber had a voice message that said that their phone number is shut down and to email XXXX 7. I e-mailed XXXX and got a response that the email is shut down 8. I looked all across the web for more and more numbers for Uber. All had the same message or were not active. 
9. I finally was able to get in contact with Uber, where we went back and forth on e-mail as they ignored my messages and responded with non-sense that was not helpful. 
10. Finally, they got back to me and told me that the uber credits were redeemed n another Uber account that shares my payment method, gave me the first name of the account ( a random person I do not know ), and recommended that I work directly with this random person to resolve my issue ... ... .. I laughed out loud at the absurdity. They want me to deal with this fraud on my own? 
11. I told them that this is unacceptable and that I needed a better answer or I would report them to the CFPB. 
12. They cancelled the request so my email did not get through. I do not even remember how I finally got in contact with them since it was so hard, so I am now reporting this it to CFPB I have since tried to go back to Barclays for a 5th? 6th? time.. no results. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out a letter to Trans Union, XXXX and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed some late payments on my consumer report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) 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: Credit card or prepaid card

Someone has been using my personal account to open accounts in my name without my knowledge.
Product: Debt collection

Direct Recovery Services sent a text message to a friend of mine that included my name, the statement that it was an " Important Private matter '', as well as links and information that would easily give that person access to my private information. They insisted that they did not give out my information, as if no one could figure out what that text was about. Also, if you clicked on the links, all you had to do was answer yes to a couple of verification questions to gain access to the full information. 

When I called to get a mailing address to send these people a cease and desist letter. They transferred me, put me on hold, and one of the reps XXXX questioned my character, made a XXXX comment, and several other comments, when I told her all that I wanted was a mailing address. The 3rd rep I spoke to gave me a bogus website address so I could " find the address '' myself. After searching the name of the company, I did finally find the address in under 1 minute, a great deal shorter time that the two reps kept me on hold while they looked for the address of the company they worked for.
Product: Debt collection

on my XXXX report, I have found collection account from XXXX XXXX XXXX,  however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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
Product: Mortgage

My husband and I lost our jobs in XXXX, 2011 when our company 's contract was not renewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXXDate of Inquiry XX/XX/2019
Product: Credit reporting or other personal consumer reports

They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX  not with a 3rd party debt collection company name thats on my credit is XXXX  I never signed with them.. They dont have the original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My car was repossessed and sold at an action for least and they want me to pay the remaining balance on the car. I no longer have the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, 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 ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$6500.00}.