23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  XXXX XXXX Account I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX  XXXX XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporti
ng of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ XXXX  ] of the XXXX  XXXX XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate and can not be verified properly, it must be deleted XXXX by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX XXXX XXXXXXXX XXXX are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account.

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. 

I anticipate prompt deletion [ XXXX  ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

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

I have filed numerous disputes with Transunion Credit Reporting Agency since XX/XX/2022 to remove this Bankruptcy # XXXX off my credit report it does not belong to me it is not in my name and it has been removed off of XXXX and XXXX. They are violating my consumer rights under the Fair credit act code 15 USC 1692 ( a ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer protection agency, for their failure to comply with the Fair credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

I did not provide my email to the company nor did i consent to receiving emails from the company. They have spammed my inbox with excessive emails.
Product: Mortgage

BBT Mortgage loan number # XXXX. BB & T gave us a loan modification in XX/XX/2019 and informed us that while this modification was taking place to not make payments as this was my trial period, Since that worried us we asked if this would affect our loan or credit, They informed us this would not. Since this time they have reported our mortgage loan as delinquent during that time which is XXXX, XXXX, XXXX and XXXX of 2019. They lied to us and have been showing our mortgage loan delinquent since then. I called BB & T and spoke to a customer rep. that informed me they should have not reported us as delinquent because of the loan modification trial period. This is my complaint.
Product: Credit reporting or other personal consumer reports

Please review the document received from XXXX Mortgage regarding the late payments on my credit report. I was told to send in this documentation in order to have this issue resolved.
Product: Credit card or prepaid card

I have been overcharged {$1000.00} on my Capital One credit card for a taxi ride from XXXX XXXX XXXX, billed on XX/XX/2022, for an approximately XXXX km ( XXXX miles ), XXXX taxi ride from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX ), near XXXX XXXX, XXXX, XXXX. 

Facts : 1 ) The card was given to the taxi driver to pay for the XXXX taxi ride, but the AMOUNT charged to the card, {$1000.00} ( XXXX euros ), was an overcharge, grossly in excess of the regulated XXXX XXXX XXXXXXXX. The XXXX taxi ride should have cost about XXXX euros ( {$12.00} ) ; taxis are licensed and regulated in XXXX. 

2 ) Capital One immediately detected the charge as being potentially fraudulent and sent a text notification to my phone at XXXX PM XX/XX/2022 ; I responded to the text with Yes, indicating that the amount of the charge was not valid. 

3 ) As instructed by Capital One, I formally disputed the transaction ( Capital One case number : XXXX ) when the charge posted, subsequently sending two faxes, 6 pages on XX/XX/2022 and 3 pages on XX/XX/2022, fully documenting that the taxi fare should have been around {$12.00}, and that the transaction had been overcharged. 

4 ) However, Capital One has now decided that the charge is valid, BECAUSE the taxi driver claims that the charge is valid, because a card with a chip was used to pay for the transaction.

5 ) The taxi driver has NEVER justified the amount charged, presumably because in doing so, he would be admitting to fraud, because XXXX, XXXX taxi fares are regulated. Consequently, Capital One still has not resolved my overcharge billing dispute.
Product: Mortgage

I was erroneous offered a HAMP Modification. The lender accepted my payments and then contacted me and advised me of their error. They told me XXXX other loans were also given these modifications in error and they were working to resolve the error and find alternative modifications. They then sent me another trial modification which I completed XX/XX/2015. At that time they contacted me and let me know there was a problem with my title that was preventing the final permanent modification. They then let me know that was resolved and I would be receiving final documents any day. They kept requesting additional payments, which I always sent. My final communication with the lender was on XXXX/XXXX/15 in which they told me permanent documents would be arriving by the end of the month. I received a letter dated XXXX/XXXX/15 which informed me that they were transferring my loan effective XXXX/XXXX/15. They have taken at least 6 payments from me promising that each payment was leading to a permanent modification which appears to be a lie. They should not be allowed to transfer my loan prior to correcting their many errors and providing my permanent modification as promised.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Open prepay Discover card It account to use online shopping. Received card and used the card online shopping. Received an email on phone from Discover Fraud Prevention Inquiry XXXX XXXX XX/XX/2020 please call 24hrs. Grab the laptop ( in case of bad email spammer ) and sign in acct. Account was not available and said " Call this number ''. Called the number and ask what was wrong. They did not have access to that acct and could not tell me what was wrong. Now I am concern and mad. I have no idea what was going on with acct and neither did they. I told them to close it and she said she could not do it. Hung up and called again and after being put on hold on and off the acct was closed. Then I was told I would have access to the acct since it was closed. My credit score would be lowered due to closing my acct because I received a fraud alert with 24 hour service ( email archived ) because someone pushed a button and went home. My account had no unauthorized charges and as far maybe an identity problem I have a bank acct, no debts and my house in my name paid for. Discover could have freeze the acct. and let me know to call in the morning and so many other professional options questioning the acct.
Product: Debt collection

These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. I understand that errors can occur, and I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. I am puzzled as to how your bureau verified these accounts while other bureaus have successfully removed them due to errors. Therefore, I request the immediate deletion of these accounts from my file. The following errors have been identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX in bitcoin
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I am submitting a request referring to " national enterprise '' debit collection listed on my account. This debit does not belong to me. I am unaware of where this debit came from and am requesting it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent investigation of my credit report, I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported accurately. This discovery has caused me severe distress. 

Under the Fair Credit Reporting Act, it is mandatory that all information on my credit report is 100 % accurate ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ). The current reporting of these accounts is in violation of this requirement. I am attaching copies of all previous dispute letters sent regarding these inaccuracies for your reference. 

I request that your agency promptly investigates these discrepancies and takes necessary actions to ensure that my credit report reflects only accurate and verified information. If your agency can not substantiate the accuracy of these items, I demand their immediate removal from my credit history.
Product: Debt collection

I recently encountered issues with Experian regarding the dispute process for my accounts. Despite submitting a dispute, Experian failed to properly investigate or address my concerns, leaving my accounts unresolved. Additionally, I never received any direct communication or follow-up from Experian to clarify the status of my dispute or to request any additional information. This lack of response and improper handling has caused considerable frustration, as I expected a more thorough and transparent process in line with consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of  which is a loan with XXXX. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to Equifax, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at Equifax and XXXX that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. XXXX is also still reporting the account, even though I sent them everything legally required to have this blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX transferred some of my student loans to XXXX. At that time, my monthly payment was {$0.00}. I never received any information regarding the transfer. I found out about the transfer in XX/XX/XXXX. Between XX/XX/XXXX & XX/XX/XXXX I was under an Emergency Declaration related to flooding. I contacted XXXX XXXX to ask for a deferment and it was granted. At no time did XXXX XXXX tell me that there was a change to my account and I had not noticed since I still had a monthly payment of {$0.00}. During the month of XXXX in XXXX, XXXX reported a 90+ day late payment to all three credit bureaus. During XX/XX/XXXX, XXXX applied a deferment for the period of the Emergency Declaration. XXXX will not remove the late payment notification from my credit report. I have never paid XXXX any money as of today ( XX/XX/XXXX ) and I do not owe them any money as of that date. XXXX incorrectly reported by account as delinquent even though I did not owe them any money. I have tried contacting them and they refuse to change the reporting. They reported my as delinquent even though there was an Emergency Declaration and had not made any two-way communication with me.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMEX/CBNA Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, Equifax Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that Equifax takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. To support my dispute, I have included the following relevant details : Creditor Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account
Product: Money transfer, virtual currency, or money service

I am able to access my Chime account via website and mobile app. I can alter password, contact information, and all other security profile information. I can execute transactions both within the Chime account and with the external bank accounts I have added to the platform. 

I can not close my account. All account closure requires me to disclose my Social Security number to a customer service rep. I will not do this under any circumstance. It is clear that the reps are poorly trained, poorly supervised and likely not US based. I've made 20 calls and spent several hours trying to close my account today with no success. 

They are intentionally creating barriers to close accounts that are put in place to discourage account closure IMO. If the disclosure of my SSN was necessary for account security it would be applied consistently across the platform. 

Account closure should not be MORE SECURE than making transactions on the account. 

I've made 20 calls to their customer service, I've recorded 18 of them. Not one person was able to close my account successfully or provide any instruction on how I may do so. Not one person was able to give me instruction on how I proceed with arbitration defined in their member agreement. 

I just want my account closed and I'd encourage Chime to enhance their security platform wide and not just for account closure.