23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I noticed that there were two unauthorized transactions that had been processed on two of my checking accounts. One was for {$1300.00} ( claim # : XXXX ) processed XX/XX/2019 and the other was for {$1300.00} ( claim # : XXXX ) processed XX/XX/2019. Both through XXXX XXXX, both to the same person. I immediately called Chase and reported the unauthorized transactions, which in turn created two different claims being filed. On XX/XX/2019, all 9 accounts that I was on were closed and reopened. My online access username was changed as well as my password. Also on XX/XX/2019, I worked with my IT department and received a new work computer so they could erase the old, should that have been a security concern. On XX/XX/2019 one of the checking accounts received a temporary credit for {$1300.00}, however, the other did not. Today, XX/XX/2019, I was told by Chase that the claim for {$1300.00} was denied, due to consistent activity from the same IP address. However, the IP address that Chase provided does not match any IP addresses for any device or computer that I use. They told me that I could fax proof that it was not me, however, will not explain to me what information I need to provide. I called our local Chase branch that helped us when we had to close and open the new accounts and she informed me that when she talked to the " back office '' fraud department our information that they told her that even if I provided my device & computer IP addresses, that didn't mean that it wasn't me. She told me she didn't know what else she could do for me. My husband is a XXXX XXXX with the XXXX XXXX  XXXX and has contacted our financial crimes unit to open a case. We also have the persons name and phone number that it was transferred to, however, he says that he is only 17 and didn't know why the money was put in his account, but gave his " address '' and his fathers " phone number ''. However, once my husband realized he was 17 he quit talking to him. My husband attempted to contact the fathers phone number but no answer.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to correct multiple credit reporting errors despite prior disputes. Equifax has violated the Fair Credit Reporting Act ( FCRA ) 1681i, 1681b, and 1681s-2 ( b ) by : Failing to properly investigate and correct disputed items Continuing to report inaccurate, outdated, and unverifiable information Refusing to remove unauthorized hard inquiries Non-compliance with Metro 2 data reporting standards 1. Unverified & Incorrect Bankruptcies Reporting Equifax has failed to update, correct, or remove inaccurate bankruptcy data from my credit file. 

XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Date Discharged : XX/XX/XXXX Issue : Accounts included in this bankruptcy are still reporting balances, late payments, and charge-offs, which violates Metro 2 Compliance and CFPB XXXX XXXX lawsuit precedents. 
Disputed Before? Yes, multiple times. 
Outcome? Equifax has refused to correct these inaccuracies. 
Request : Ensure that all accounts included in bankruptcy reflect {$0.00} balance and " Included in Bankruptcy '' status as required by law. 
XXXX XXXXXXXX Bankruptcy Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Issue : Equifax continues to report this bankruptcy, even though it was dismissed and holds no legal weight. 
Disputed Before? Yes. 
Outcome? Equifax has refused to remove this bankruptcy. 
Request : Immediate deletion of the dismissed XXXX XXXXXXXX bankruptcy as it is no longer relevant or legally enforceable. 
Unauthorized Hard Inquiries Under FCRA 1681b, hard inquiries must be authorized by the consumer. Equifax has failed to remove multiple unauthorized hard inquiries, even after disputes. 

Creditor Name Type of Business Date of Inquiry FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed Before? Yes. 
Outcome? Equifax has refused to remove these inquiries without providing proof of authorization. 
Request : Immediate deletion of all unauthorized hard inquiries or documented proof that I provided written authorization.

Several accounts remain inaccurately reported as charge-offs, collections, or past due despite being : Paid Included in bankruptcy Sold/transferred ( which means the original creditor should no longer report them ) Creditor Name Account Number ( Last 4 ) Balance Status Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Account was closed due to inactivity but still reports balancXXXX XXXX XXXX  {$0.00} Charge-Off Transferred to another lender, should not report XXXX XXXX XXXX {$0.00} Derogatory Still showing as a derogatory account after bankruptcy Disputed Before? Yes. 
Outcome? Equifax refuses to remove or update these accounts as required by Metro 2 compliance guidelines.

Request : Immediate deletion or correction of these accounts per FCRA 1681s-2 ( b ) and Metro 2 reporting standards.
Product: Prepaid card

My direct deposit still is not going through on my account. Same issue last week. I can not pay my bills and this is the second time within ten days I have trouble accesing my money. Customer service keeps hanging up the phone on me.
Product: Checking or savings account

I have been a member of chase bank for approximately 15 years or more, when I started my business account there was no monthly fee ; now I am being charged a monthly fee, they are saying my account has less than {$3000.00} at the end of the month, through the month I deposit of approximately {$8000.00} to {$12000.00} a month, it started out initially without any monthly fee but the past year 2 years or so they made a changes I think my account should have been grandfathered and I should not be charged a monthly fee ; think it's unfair by chase squeezing the small business for as much as they can get out of us.
Product: Credit reporting or other personal consumer reports

in XXXX and XXXX Comenity Bank and Victooria secret post late payment on my credit profile. I called the company and asked why was it posted on my credit profile without my permisson. I asked that they send me legitimate document from me giving thme permission to furnish this type of personal info to other who are not privy to it. they said that they didnt have to becuase its on the staement. I asked if it was a statement that they sent and they said yes, I said a billing staemment isnt authorization from me to allow them to see that information. that is personal and private and my rights under the FCRA Their violations include 15 USC 1681a Definitions, rules of construction 15USC 1681s2 Responsibilities of Furnishers of Informatiion to Consumer reporting agencies 15USC 1681 2 ( a ) ( i ) Exclusions
Product: Credit card

I first learned of this problem when I received my monthly Sunoco card statement dated XX/XX/. It showed two transactions for unleaded gas on XX/XX/2023. The first transaction was In the amount of {$49.00} for XXXX gallons of unleaded gasoline, and the second transaction was In the amount of {$83.00} for XXXX gallons of unleaded gasoline. Both transactions were at the same merchant and location, XXXX XXXXXXXX, XXXX XXXX XXXX. in XXXX, Maine. I requested information from XXXX. XXXX, the merchant operating the Sunoco pumps. Using video, the merchant was able to confirm that my wifes Sunoco card information was used twice on the same day and at the same pump, in successive transactions ( with successive invoice numbers ), even though my wife withdrew her card from the pump after her transaction. In addition, the gallonage pumped in the second transaction was in excess of 1 1/2 times the maximum capacity of our car. I then contacted Sunoco customer service, using the phone number on my Sunoco card. The representative called up the two transactions and immediately agreed that the second transaction was fraudulent. The representative therefore canceled my wifes card, initiated a dispute, and issued a credit in the amount of the fraudulent transaction. Subsequently, however, I received a letter from Sunoco Security Operations denying my claim, also denying that I had identified any transaction, and claiming that there was not enough information to resolve the dispute in my favor. I am therefore appealing to CFPB out of a conviction that, either there has been some mixup on Sunocos part, or Sunoco is intentionally obstructing a legitimate claim. I would appreciate it if CFPB would intervene with Sunoco Security Operations to resolve the dispute, which is clear-cut and in our favor. Even the merchant ( XXXX XXXX ) agrees with this.
Product: Debt collection

I switched over to a different cell phone provider called XXXX whom has a business contract with XXXX XXXX Before switching XXXX explained I had to pay all outstanding fees and last month phone bill which came out to be around XXXX. After that I successfully switched over to XXXX. XXXX sent me a notice in mail about a month or 2 ago of notice I was going into collections due to unpaid debt to them which I wasnt aware of. I have had difficulties getting in contact with someone who actually knows how this happened. I would wish for this to be deleted off my credit.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! 

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

So there have been almost {$13000.00} dollars that have been taken from me for the past 3 year from these 3 banks. 
1. CHASE 2. XXXX XXXX 3. XXXX XXXX  XXXX THERE WAS A FEW TRANSACTIONS THAT I KNOW I HAVEN'T MADE OF {$72.00} AND {$62.00} DOLLARS EVERY MONTH FOR THE PASS 3 YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following from my account immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Equifax has violated my rights.

15 U SC 1681 section 602A 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 oth
er adverse item of information, other than records of convictions of crimes which antedates the report by more than several years.

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating toa consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NCC XXXX based out of XXXX, FL, have been calling me Monday through Friday from approximately XXXX to XXXX, for the last month without fail. They have my Brother-in-laws, my wife 's, and my information claiming we owe an apartment complex a varying amount from {$2000.00} to {$4000.00}. Everytime I spoke to a representative, it was a different amount. I have asked them to stop calling until they get their story straight.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX  XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The student loans found on my credit report for all three major reporting agencies show a balance due. All of my student loans are currently at a XXXX balance as of XXXX this year, verified through the FSA website.
Product: Debt collection

I was repeatedly contacted through text and phone calls by a collections agency from XX/XX/2024 until present day XX/XX/2024 at XXXXXXXX XXXX receiving the same text message from the same phone number from dates also including XX/XX/2024, XX/XX/2024, XX/XX/2024 and several more dates throughout XX/XX/2024. The amount that I am victimized of harassment by this agency is {$770.00}. I filed a dispute recently with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX Office Of attorney general, Account # 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
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiry from my credit report : XXXX XX/XX/year>
Product: Credit card or prepaid card

I have called the company in charge of my debit card at least 30 times the last 2 months and haven't received a resolution regarding not being able to use my debit card. Everytime I speak with a regular agent or supervisor they all say the same thing that they will put in the request and my card should be working in 24hrs and it never works. It worked for 1 day after I called a week ago and went right back to not working. And they do not allow you transfer funds off the card to another account so my money is stuck under their control. I need to get access to to my money on my card this is ridiculous they should also compensate me for this inconvenience. I will be filing a lawsuit if this isn't resolved.
Product: Credit reporting or other personal consumer reports

This is now my third time addressing Equifax regarding unverifiable inquiries on my credit report. Despite multiple attempts to resolve this directly with both Equifax and the creditors involved, my concerns remain unaddressed. 

Steps I have taken so far : I contacted the creditors directly on multiple occasions, requesting verification, authorization, or proof of permissible purpose for these inquiries. None of the creditors have provided any documentation or proof. 
I reported these issues to Equifax several times, requesting that they investigate and verify these inquiries. Equifax has failed to provide any verification, despite my repeated efforts. 
Under the Fair Credit Reporting Act, inquiries that are unverifiable, inaccurate, or lack permissible purpose must be removed from my credit report. I have requested Equifax to do so, but they have not acted in accordance with the law. 

Below is a list of the inquiries in question : XXXX XXXX XXXX  XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX  : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX XXXX XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 
XXXX XXXX XXXX : Inquiry Date XX/XX/XXXX I do not recognize this inquiry. 

I have kept a detailed record of all my correspondence with Equifax and the creditors involved. If these inquiries are not removed promptly, I will escalate this issue further, including providing the CFPB with all documentation to support my claim. 

Equifax 's failure to comply with my requests has caused unnecessary frustration and potential harm to my creditworthiness. I trust that the CFPB will address this issue appropriately to ensure compliance with federal law.