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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$7600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX BANK XXXX XXXX. XXXX Balance : {$9900.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Mortgage

XX/XX/XXXX contacted Carrington to see how to change insurance companies. They told me all The I for and where to send. For the last 3 weeks they have stalled, argued and down right refuse to allow. This is an ongoing issue. 2 years ago they cost me {$200.00} over flood I surance because they acted like I didnt have coverage when they refused and failed to send payment
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Sunday, XX/XX/XXXX, my Apple credit card balance was around {$510.00} ; I paid {$390.00} towards the card to pay the remaining balance off in the coming week, possibly even the week after. The original balance, which was {$510.00}, which was due on the XXXX XXXX XXXX. However, I am a full-time XXXXt and do not want to be against the wall in credit card payments so close to the end of my XXXX XXXX, so I like to pay off my cards on time and have never had any issues with any of my cards until now. As I said, I paid {$390.00} towards the card but was charged twice instead of just once due to a glitch on behalf of Apple 's system. My original thought was that since XXXX times two is well over the XXXX dollar balance on the card, on top of the fact that only ONE of the XXXX dollar payments was taken off the credit, I believed that Apple would recognize the error and waiver the payment and forget about it, I was wrong to assume this. Come Tuesday, XX/XX/XXXX, I got an email stating that my bank account balance was at an overdrawn number of - {$340.00} and some change ; my balance before I made the payment to Apple was in the mid XXXX, so there was no reason for my account to be overdrawn after making ONE payment of XXXX dollars. I first asked for full reimbursement of the XXXX dollars, and I was told I would receive the XXXX dollars that I was falsely charged, and this did happen today, XX/XX/XXXX ; I see that I received the XXXX dollars in my bank account, but my card balance is XXXX dollars over what it should be, meaning that the XXXX dollars I never paid for but was charged for anyways have suddenly magically appeared into existence. My frustration is with the lack of a solution and the inability to fix the simple issue of Apple 's credit card system.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.
Product: Debt collection

I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.
Product: Credit reporting

Transunion will NOT take off my credit reportXXXX is reporting on my credit report for Transunionthis is a fraudulent charge ... .... After a year of fighting XXXX that it was not my debt XXXX has sent me documentation that the charge was not mine. 
Numerous occasions I have faxed the information and mailed the documentation to Transunion they have claimed they have not received. 
Fax on XX/XX/XXXX and put in mailFaxed on XX/XX/XXXX - dropped in mailFax on XX/XX/XXXX - dropped in mailagain on XXXX/XXXX/2015 to supervisor XXXX still they claim they are not receiving anything. 
I have received a fax confirmation that the fax has gon thru each timeconfirmed the fax number ; file number and Transunion confirms correct informationTheir response is they can take up to XXXX months to correct. Funny how that in XXXX year of disputing they can communicate with the collection companies via portal but the consumer when inaccurate accts. on report we have to fax ( which they never receive ) or MAIL. who mails anything. They just sent me today an updated credit report stating the debt has been verified but yet the letter attached claims this is inaccurate. 
I WANT XXXX XXXX XXXX OFF OF MY CREDIT REPORT ( TRANSUNION ) IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is reporting this debt on my credit report. I have requested documents with a wet signature to determine if this debt is mine. I have ask for proof that this debt is mine. No proof has been provided. It is my understanding this debt can not be validated which is why it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX military orders in XX/XX/XXXX and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.
Product: Bank account or service

My XXXX credit report dated XXXX XXXX, 2016 included XXXX 15 year mortgages with Wells Fargo Bank. The information has been shared with Wells Fargo staff in XXXX XXXX, IA who stated on the phone that they are unable to identify these accounts in my name. We have NEVER had a 15 year mortgage.
Product: Credit card

XXXX/XXXX/16 We are long time Chase credit card customers with a flawless payment history, high FICO score, and seldom dispute credit card charges. Recently, we were the victims of obvious credit fraud in that the XXXX XXXX XXXX, of XXXX, AZ quoted us a onetime {$85.00} trip charge to provide an alarm/video estimate. This charge was to be shared XXXX by another customer in the area for an amount of {$42.00}. We provided several very detailed letters and enclosures to Chase dispute department to substantiate our claim. 

At the time of authorizing a phone charge, it was confirmed with XXXX XXXX that the charge would be only {$42.00} and he said yes. To our surprise, he charged us a whopping {$230.00} instead. This is obviously fraud as nobody in their right mind would agree to {$230.00} trip charge under the circumstances submitted. It should also be noted that we also never received a product or service from the vendor ( e.g. a formal written estimate for alarm/video mods ). 

Chase dispute supervisor XXXX claims that if we authorize a charge on the phone the vendor can put any amount they want. This is flawed as vendors should only charge what is authorized. She also said we need a receipt from the vendor stating what the charge should have been. This is ridiculous at the vendor is the one that issues receipts and obviously when they want to fraud and steal from unsuspecting customers they will not issue receipts that go against their claims. Our documentation provided shows the trip charge of half of {$85.00} was confirmed by Automation solutions. The dispute department ( esp. XXXX ) failed to accomplish due diligence in the review of our dispute. We also question the dispute process of Chase which seems to favor merchants ' XXXX. Despite requesting for senior mgt. review the dispute dept. charged back our account of {$180.00}. 

The original dispute is encl ( 3 ). The rebuttal is encl. ( 2 ). And the latest communications to Chase via secure email on their web site is encl. ( 1 ). 

Request Chase senior management officials review attached documents and correspondence and whether the vendor agrees or not for Chase to credit back our account {$180.00} posthaste. 

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

In XX/XX/XXXX    I reviewed my credit report and a Chase account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and  XXXX  and  XXXX  verified the account.   XXXX   stopped reporting the account.   XXXX  and  XXXX   referred me to Chase. On   XX/XX/XXXX  I  wrote my first letter to   Chase asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from Chase in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.
I have sent two other letters, ( one   on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) stat ing that I believe that the  Chase account was opened without my knowledge or consent. Chase has not responded  to either letters.   XXXX   and   XXXX    continue to report the account as a open charge off with balance from   Chase.
It has now been 8 months and I wrote Chase a   letter on   XX/XX/XXXX  to ceas e all reporting of this account for failure to send me needed documents to show how I have a financial obligation the C  hase Credit Cards. Since this is now my 4th letter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that Chase is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel Chase is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.
According to the C.F.P.B., what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is Chase e  xempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.
Product: Checking or savings account

Dear CFPB representative, On XX/XX/23, I noticed my account had 3 unauthorized withdrawals made in California in the amount of {$2800.00}. I immediately called Bank of America and froze the account but the representative had not initiate a claim until I called in again a few days ( by calling in again regarding the credit ). I later learnt that the unauthorized transactions were done via the teller window and the CCTV footage had been pulled on XX/XX/23. Every time I call BoA, the fraud department alleged the case is being investigated ( which takes 60-90 days ) and no updates. On XX/XX/23, I called again and asked when I would get my {$2800.00} back, the answer I received was " we can't credit the account until the investigation is completed which takes 60-90 days ( same old story ) ''. I insisted to speak to a supervisor and about to file a claim on CFPB. After holding the call for about 10 minutes, the rep. told me she can credit my account with a provisional credit of {$2800.00} and I was hoping the investigation would finish soon. 

A week later, I called again and no result. Today ( XX/XX/23 ), I just made a call and was told the same thing again, the investigation takes 60-90 days. I don't understand why it takes so long to investigate when the CCTV footage had been captured. I just need my money back now, not just provisional credit. 

I have the case number to my claim, if needed, I can provide to you. 

thanks for helping.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S. Code Subchapter III. 

My Data was breeched by XXXX. Items need to be removed. Credit Bureaus didnt not access my information with my Consent and WRITTEN PERMISSION. These items are Unlawfully and illegally reported. Delete!
Product: Prepaid card

My AMEX Gift Card is not working and keeps declining. Previously, on XX/XX/23 and XX/XX/23 I had used the gift card and it worked fine. However, I tried to use it yesterday ( XX/XX/23 ) on a XXXX purchase but it kept declining. This is also not the first time this has happened. I have {$14.00} on my card and all the purchases I wanted to make were less than this number. I tried to call customer service again today ( XX/XX/23 ) various different times with different numbers but was always transferred to another number where I could not speak to a representative. No one has helped me resolve this issue.
Product: Debt collection

Ive asked several times for proof the debt belongs to me and I keep getting the same paper with printed signature not hand written signature to prove its mine which it isnt!!! Im tired of going back and forth about this debt
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX # XXXX ( XXXX, experian ) Has violated my rights! 
XXXX # XXXX ( Experian ) has violated my rights! 
XXXX XXXX # XXXX ( XXXX, Experian ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( Experian, XXXX ) has Violated My rights! 
XXXX XXXX  ( experian ) has violated my rights! 
XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) ( experian ) has violated my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is in reference to the Inaccurate accounts being reported on my consumer report. I am asking that the records of these accounts be mailed to be. These inaccurate reporting have cause me to be denied for credit and moving into a home. This is not a third party filing this report My name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was fired from my job with XXXX that I'd been with over XXXX years because Hirerite gave them background information from XXXX. Plus, XXXX would not even hire me over the same XXXX issue. I was a kid then and now am XXXX with a family. I'm a hard worker and good father, but these companies keep making me pay for the same silly ticket over and over again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address to 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.