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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

This will reference complaint XXXX AMERICAN EXPRESS AND TRAVEL RELATED SERVICES as stated in the previous above captioned complaint AMERICAN EXPRESS continues to fail in examining the facts surrounding my request for credit and removing this from my credit. I was given XXXX XXXX XXXX ( XXXX ) times by XXXX XXXX XXXX, XXXX TX. for the wrong diagnosis. The doctor is no longer with the firm. AMERICAN EXPRESS does not take my dispute/complaint seriously and just regurgitates the correspondence received from XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to determine the actual cause of the problem. The doctor remarked that there would never be any improvement in the XXXX as a result of the XXXX XXXX done by XXXX XXXX XXXX as they XXXX XXXX XXXX XXXX. It is my opinion that after all my research and work that AMERICAN EXPRESS 's only concern is keeping a satisfied merchant. Further it is obvious that AMERICAN EXPRESS is ignoring the center of the issue and basing there explanation ( s ) on the fact that the charges are valid because the services were rendered. My dispute ( s ) are valid and AMERICAN EXPRESS needs to realize the validity of my claim ( s ) as the are not frivolous and have merit. Their merchant made a  mistake and should not be compensated or rewarded for malpractice. I have tried to reason with AMERICAN EXPRESS but to further prove their lack of concern, each time I call to dispute they refer my calls to collections. AMERICAN EXPRESS is now on their second collection firm, the first being XXXX XXXX and have now given it to another firm ( since XXXX  could not get anywhere ) to whom I have written and explained the situation and have asked them to cease and desist from calling me. Clearly AMERICAN EXPRESS is now harassing me. AMERICAN EXPRESS needs to do what is morally correct and charge back the merchant and remove this from my credit.
Product: Credit card

Using my Capital One credit card, I ordered flowers from XXXX to be delivered to my mom on XXXX 's Day. The charge was {$52.00}. My mom said the flowers were not delivered to her. I tried to dispute the charge with Capital One. At first they refunded the charge but later they added the charge to my account without my permission. They used some flimsy excuse that the merchant ( XXXX ) submitted the charge again. Capital One sent me some meaningless papers that does not prove the flowers were delivered to my mom or anything else. I do n't know how to prove that something was not delivered. When I complained to Capital One, they closed my account ( they do n't like customers who complain ), but the charge of {$52.00} remained.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % Correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Missing payments from a closed account. XXXX account closed. 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint previously ( # XXXX ) but Experian did not read the complaint you filed for me. Experian sent me a credit report but I WAS ASKING FOR THE DATE EXPERIAN REINSTATED MY CREDIT FREEZE. 
When I asked for the freeze to be lifted in XXXX, Experian sent me a confirmation number of # XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, low income college student financed tires through XXXX. Was paying the tires off with regular on time payments and knew interest would come after 3 months. When the 3 months was up, I was shocked to find out I was being charged 179 % APR which is illegal in my state. Again I am young, inexperienced with debt, and low income. I do feel I have fallen victim to predatory loaning. They won't stop calling me either ( of course ). I have paid off the tires a time and a half now and still owe more than the amount the tires originally cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires no my XXXX credit report, and that someone may have used my information to apply for something according to the fair credit reporting act these items must be deleted! 
XXXX XXXX XXXX XXXX - XXXX XXXX,2024 XXXX XXXX XXXX XXXX - XX/XX/scrub> 2024 XXXX - XXXX XXXX, 2024 XXXX - XX/XX/scrub> 2024 2024
Product: Money transfer, virtual currency, or money service

My wife was defrauded on XX/XX/22 of XXXX {$500.00} through a XXXX scam. She had posted items for sale on XXXX XXXX on XX/XX/22 and was contacted on the morning of XX/XX/22 by a party interested in purchasing the items for {$500.00}. The interested party indicated that her son would be picking up the items and that she would XXXX over the money. Shortly after that conversation, my wife received an email stating that there was " a small problem '' with the transaction and that she would need to refund the {$500.00}. This email appeared to originate from XXXX, so my wife complied and refunded the transaction. Shortly thereafter, she received another email stating that she would need to XXXX transfer additional funds in order for the transaction to complete - and then she realized she had been scammed. 

Today, XX/XX/22, I contacted Chase ( the originating bank of the transfer ) to dispute the transaction. The first representative kept stating that XXXX was 3rd party to Chase and had completed the service, and that they did not offer claims for fraudulent transactions. When I confronted her with the fact that Chase is owner of XXXX XXXX XXXX, which in turns owns XXXX, and that Chase should be offering more recourse for its customers who have been defrauded, she repeated that XXXX is a 3rd party and that there is nothing Chase could do in this situation. I continued to inquire how Chase, as an owner of XXXX and having access to all the transaction details, could be offering fewer protections to ITS customers than XXXX, I was hung up on. 

I called Chase Claims department again and was met with the same boilerplate statement that XXXX is a 3rd party service and the only recourse was to submit a courtesy claim to have the receiving bank withdrawal the funds from the recipient 's account. I elected to have the representative initiate the claim, knowing the improbability of success. While talking, this gentleman did acknowledge that Chase 's backend office can see the account information of both the originator and recipient, so by their own admission, Chase has the information to protect its customers who have been defrauded, but is making a conscience choice to not. I even indicated that we have email proof of the scam, but was told that if i submitted the email as evidence to substantiate my claim, it would stay internal to Chase and would not be passed along to XXXX to help in any claim. 

Chase and the other owners of XXXX XXXX XXXX are enabling scammers by their policies and lack of protections for THEIR customers. Regulation E should apply to XXXX and basic consumer fraud protections should be in place for customers banking at these institutions which have XXXX integrated into their banking platforms.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's
Product: Bank account or service

My credit report is being negatively affected by BB & T as a result of extremely poor account management and customer service following a disputed transaction. This experience has also been met with poor treatment ( in person ) by a BB & T Vice President who treated me in a rude and very unfair manner at first introduction. Without receiving any notification or account statements over a long period of time between the date of discrepancy through present I was finally contacted by a collections team at BBT about a past due amount slightly over {$30.00}. Upon that first contact the collections team was unable to provide any explanation as to what the amount in question was from or when the transaction had taken place. I believe the root cause of this to be a result of fraudulent activity to which I have a fraud dispute placed on an account with BB & T for activity that I believe may have some sort of relation to a PII breach and theft of my XXXX IRS XXXX from XXXX a former employer. The fraud dispute was placed on XXXX/XXXX/XXXX. The activity is specific to an account BBT notes as " Credit Line XXXX. '' This outstanding matter is now reflected on my credit report by XXXX harming my psychological and financial wellbeing. Only on XXXX/XXXX/XXXX did I receive three letters in the mail, dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX that were specific to any outstanding balance with BB & T. Even still, no information has been accessible online via portal and PDF nor in the mail as to this issue. The bank has been very difficult to work with and I strongly feel that I am, as the " little guy, '' being bullied. Interest in the amount of around {$0.00} to {$0.00} continues to be added to the outstanding amount each month alongside compounded degradation to my credit profile.
Product: Debt collection

Dear LVNV FUNDING LLC ; Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : XXXX. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
XXXX. The legal basis for collecting this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. A full account history, including all related charges.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I used the Chime pay anyone feature to send XXXX to my brother. 


( Way to pay! 
Hi XXXX, you just sent {$60.00} for " Repay '' to XXXX XXXX ) According to the way it's to work, he should have received a text to his phone number which is correct, supposedly providing a link for him to transfer the amount directly to his debit card : ( Did you know you can pay people who dont have a Chime account? Heres how it works : They get a text message or email with a link that brings them to a secure web page.

Next, they use any US debit card to claim their money instantly, and securely. 
Their money arrives instantly and fee-free. No app signup or download needed from them at all. ) He advised that he never received a text. I contacted Chime to open a dispute. 

( Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Pay Friends - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$60.00} ) My brother and I eventually determined XXXX instead was sent to an account no longer belonging to him, whereas had he received a text based on Chime 's own description of the service there would be no issue. 

I provided additional details to Chime which would have immediately cleared the dispute but received in return : ( XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.

Thanks, Chime Disputes Team ) In addition, I requested documents mentioned above and still have yet to receive as of the date of this complaint : ( I want see the documents described also any proof that recipient was sent a text requiring him to transfer the money from the text himself ) I have heard nothing and am still out XXXX. 

I am not interested in a cookie-cutter response from Chime associates, I just want them to do the right thing. And by not doing so, they are justifying misleading information. That XXXX is somewhere other than where it is supposed to be. It needs to be returned to me. I sincerely hope this has to go no further for what some deem a relatively small amount of money. However, small amounts like this multiplied by hundreds of customers becomes very profitable. I do like Chime but this I can not accept.
Product: Debt collection

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. 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 XX/XX/XXXX 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 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account XXXX : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Chase credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Creditor agreed to delete Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send letter numerous times to the 3 Credit Bureaus to check and to validity these account that are been reporting error, inaccurate and incomplete credit information. I been asking for Re-Investigation over again