23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I had went to the gas station in my town at approximately XXXX at night. When I went to make my purchase my card was denied. I was very confused as I had just gotten paid that day so I should have had plenty of funds. When I got home I signed into my Chime bank account and saw that there was a transfer from my savings account of {$66.00} and from my secondary checking account for {$240.00} both put into my primary checking account and then a withdrawal of {$1400.00} transfered from my account to a gmail account. The funds were then reversed and then a second transfer was made for the same amount to a XXXX account. I immediately called Chime, as I did not make or authorize this transfer and filed a dispute they told me they would email me as soon as they came to a determination. I called them through out that week, then had to wait through the holiday weekend. When I called them again on XX/XX/XXXX they told me that the dispute was closed and denied. I then opened a rebuttal to my dispute, they told me to send in a written statement and the police report I had filed and any other supporting details. I emailed them the statement, the report, and a screenshot of the transfer taking place in my account. I then waited again and called each day again and today I got an email saying they were not changing their decision and closed it again. When I asked why they said they received no new information and could email me the documentions they had but it would take up to 10 days. When I asked to be given the information over the phone they said they could not provide that information over the phone nor could I speak to anyone who could. They told me that I could open another rebuttal if I had new information however I kept explaining that they have all the information that I have. My card was not taken or skimmed, my actual account was hacked into. I have sent Chime everything that I have and continue to say that I have not provided anything new and that no errors have been made. The hacker took everything in all of my accounts, Chime will not provide a provisional credit to help me pay my bills or admit that anything happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX - XXXX... 
XXXX CARD - XXXX... 
XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH XXXX AND TRANS UNION, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY CREDIT SCORE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has all violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

My wife purchased six {$500.00} cards. She purchased them in pairs, with three purchases of {$1000.00} for each. We purchased these in XX/XX/2022. One set of two cards was to be a gift to my brother-in-law whos getting married, the other set of two cards was to be another gift to my daughter, who is getting married, and the third set of two were to be set aside as a savings tool. Three weeks ago, we attempted to use one of the cards that we had set aside as a savings tool, and found that it would not go through. I called vanilla gift cards directly after numerous times I was told conflicting information. Finally, after speaking to a manager, I was told that the situation would be escalated And that department that they were escalating it to could not be contacted directly by me. They could only be contacted by the customer service representative via email. I was told I would be called within 72 hours. I was not called. I called back and waited to talk to a manager who was that again said they were sending another email. According to vanilla cards, all six gift cards were discontinued because they were labeled as being fraudulent. They were purchased online and we have the purchase orders, and we have confirmed with our bank, XXXX XXXX, that the money did go through to vanilla carts. Because it has been longer than 90 days XXXX XXXX will not be able to help us. We have {$3000.00} that we want to get back because these cards will not be reactivated and vanilla gift cards is not getting back to us about refunding the money.
Product: Credit reporting or other personal consumer reports

According to the FCRA convergent account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to XXXX and Experian to dispute the incorrect status and nothing has been done.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX ( and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I recently reviewed an updated copy of my credit report and noticed that some of my credit references are not included, despite being reported and verified. I am requesting a re-investigation of these accounts as they are missing from my report. Enclosed is a letter from the merchant confirming the reporting of these accounts. Under the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I formally request that you re-investigate and remove the following accounts : Additionally, I request the name and address of the individuals or entities contacted during this re-investigation process. According to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the accounts have been updated. Once the updates are complete, kindly forward an updated copy of my credit report to the address listed above. Kindly help me correct the following items immediately : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

6. XXXX XXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

7. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.
Product: Debt collection

I contacted XXXX, XXXX and XXXX in XXXX 2014 about random medical collection accounts on my credit report. XXXX, and XXXX deleted them. XXXX closed them and never deleted them. I went back to dispute the XXXX accounts with XXXX and they only took off XXXX of the accounts. XXXX of the accounts stayed. I contacted XXXX again due to the collection agency not answering any of my questions or returning my calls. I finally got a letter of so called proof. However they are typed up documents stating I saw XXXX ER physcians however XXXX different doctors yet they all have the same TAX ID. That ca n't be legal or ethical. The address on the so called proof of debt is n't even legit. It says the address belongs to XXXX ER physicians but it is to XXXX. They typed up proof of debt and ca n't send me legitimate proof of debt and that it is me the patient.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and disappointment regarding the handling of the 2nd attempt to correct late open accounts during [ Specify the Process/Action ]. It is essential to address this matter promptly and effectively to ensure fairness and transparency in the process.

[ Describe the instances of late open accounts during the 2nd attempt, their impact on participants, and any evidence or documentation supporting your claim. Emphasize the importance of punctuality and adherence to timelines in maintaining the integrity of the process. ] Despite assurances and a previous attempt to rectify the issue of late open accounts, I regret to inform you that the problem persisted. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

It is essential to demonstrate a commitment to accountability and transparency in resolving this issue and restoring confidence among all stakeholders. 

Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. Failure to do so not only compromises the integrity of the process but also undermines the trust and confidence of stakeholders. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$450.00}.
Product: Checking or savings account

On Thursday XX/XX/XXXX at approximately XXXX I went to my local XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX CO XXXX ), which has an ATM in an enclosed area attached to the bank. I made a {$100.00} withdrawal and remember fumbling with all of the cards in my XXXX XXXX wallet. I don't think I grabbed my money because when I got home I did not have it. I ran right back to the location, which is two blocks from my house and there was no money so I assumed the machine sucked the cash back in. I don't wear particularly baggy pants or shorts ever, so it falling out in the two blocks is very unlikely. I took out another {$100.00}. On Tuesday XX/XX/XXXX, I went to the branch and spoke with XXXX XXXX Sales and Service Manager. She initiated an internal dispute on the transaction and told me they would review the camera, the balance report from the ATM ( she said the ATM machine was separately owned ) and get back with me. I got a perplexing letter dated XX/XX/XXXX on the XX/XX/XXXX of that month stating that " no errors occurred with the transaction ''  and that the claim was being closed. I called customer service the next day for an explanation. I was bounced around several times between customer service and the fraud unit before I requested an escalation to a supervisor. XXXX employee # XXXX said she would correct the issue and ask the " ATM Regulation E Department '' to take another look. On XX/XX/XXXX, I received another letter stating that they got a duplicate request and would continue looking into the request. I called again on XX/XX/XXXX, to see what was going on and see if they were looking at it and if they needed anything from me. All they need to do is look at the camera and tell me if it was taken or sucked back in. If someone took it its my fault and the case is closed, but they will not tell me or give me anything. The last call on XX/XX/XXXX I asked for a supervisor callback and have received nothing. This is a customer service disaster on US Bank 's part, and I am beginning to think they stole the {$100.00} from me. CFPB please look into these unethical and illegal business practices.
Product: Debt collection

Ive requested documents from Enhanced Recovery Company and they have yet to respond to me. This a debt that is alleged and i demand more information. I need to know why they are trying to charge me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX, exquifax and XXXX. Which again I did not apply for any new cards with XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have contacted Equifax, XXXX, and XXXX the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Product: Debt collection

The last 4 of my social security number are XXXX. I did not open a XXXX XXXX account with Comenity Bank, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. XXXX XXXX refuses to delete this collection account.
Product: Consumer Loan

I pay XXXX $ to this financial institution for vehicle loan and only half goes towards the amount financed rest goes towards interest. They have caused so much stress on me I may have not payed on 2 time but I payed my late fees on top of the XXXX $ and non of that went towards the vehicle loan. I am a XXXX veteran who has XXXX and this has increased XXXX. Please help I also got email conversations between me and financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed 10 attempts at resolving improper use of my credit report. My report is locked and nobody is supposed to be able to access it. Secondly, I paid XXXX XXXX XXXX   in full both accounts, they were paid in full in good faith and closed by me the consumer. I have attempted 10 times now with supporting documentation that this is true and accurate. So, since this is not getting done, I will be filing a motion against Equifax and XXXX XXXX XXXX for direct violation of Anti-Trust Laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( XXXXXXXX XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report!