23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Chase have been charging me too many overdraft fee and are very inconsistent on how they do it. They even charged me for overdraft for transferring money from my checking to savings even though there 's enough money when I did the transaction. Some charges they would pay and charge me overdraft for it then decline the charge after a few leaving me to pay extra fees to the other company because of declined payment. They take over {$400.00} of overdraft on my account almost every month!, they would even change the order of my transactions from highest to lowest so I could have more nsf fees at the end. What a scam!!
Product: Credit reporting or other personal consumer reports

I am presenting this follow-up complaint concerning the Experian and XXXX Credit Bureaus , in collaboration with the CFPB 's assistance. I previously informed the two credit reporting agencies ( CRAs ) about being a victim of identity theft. This serves as an additional request to have the inquiries resulting from the alleged identity theft blocked and removed from my credit report. It's imperative that these specific inquiries be blocked and removed within the designated timeframe. The identity theft report has been included in my prior complaint, and I am attaching it once again for reference. Additionally, the information provided by Experian and XXXX regarding these inquiries is unfamiliar to me. Furthermore, this data had already been eliminated by other bureaus individually. Consequently, I have reservations regarding the accuracy of the information they are presenting for each of these inquiries. Please see below are the listed remaining fraudulent inquiries that the Experian and XXXX Credit Bureaus NEEDED to remove : EXPERIAN : XXXX 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

Equifax, XXXX  and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 or other personal consumer reports

The 2 late payments on XX/XX/2023 and XX/XX/2023 are inaccurate and I would like to see the documentation other wise it needs to be permanently removed from my credit report and updated to paid on time never late.
Product: Credit reporting or other personal consumer reports

Section 611 ( a ) ( 4 ) Right to Demand Deletion if No Response from Furnisher : - If a data furnisher fails to respond to a dispute within the required 30-day timeframe, the credit bureau must delete the disputed information from the consumer 's credit report. This provision is powerful if data furnishers do not comply with their obligation to verify disputed information promptly. These provisions offer robust protection under the FCRA and can be used to challenge persistent inaccuracies and ensure that both credit bureaus and data furnishers maintain accurate and fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to verify that the Bankruptcy was accurate and how and whom did the verification, the sent me a letter saying it was verified and accurate. They never stated the method of verification which I asked them to supply. I never gave them permission to report anything g on my credit file. I also sent a letter from the bankruptcy court stating they do not report to the credit agency you. a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I called Transunion to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him what happened and how the US Rep was deleting unauthorized inquires and could he continue. He told me that he could n't do it. Again, I explained that the other US Rep was in the processing of deleting these unauthorized inquires. However, he did not care. Needless to say, he did n't help me with what the other US Rep was more than willing to help me with. There 's XXXX inquires from 2016 from car loan places. None of these places had my authorization to pull my credit or anything relating to this matter.
Product: Debt collection

This company harassment me repeatedly for a debt I didnt owe and violated my rights. I didnt give them permission or authorization to share my personal information and the debt was paid for and they charged me in error. I was closing on my home and they made me pay on a debt I told them I didnt owe and because I didnt know the law I didnt know my consumer rights at the time. I have proof the violated my rights on the invoices they mailed and the multiple calls I received at inappropriate times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXXXXXX XXXX XXXXXXXX for the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax 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 a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Affirm sold to XXXX XXXX XXXX for collection. 
Date Opened XXXX  with XXXX XXXX XXXX {$250.00} Account Number ( XXXX  ) : XXXX {$420.00} Account Number ( XXXX  ) : XXXX {$600.00} Account Number ( XXXX  ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.
Product: Debt collection

I've sent consumer portfolio services a cease and desist and an affidavit of truth invoking my rights. The entire loan was fraudulent and violates my consumer rights on multiple occasions. I have proof and exhibits. Pursuant to 15 USC 1692E ( 4 ), " The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. '' They have no right to take a vehicle that I own rightfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections through Tek Collect that is from my wifes business that was an XXXX that I was not an owner of at all that is reporting just to my XXXX  report. The balance actually owed on this account is {$2400.00} which my wife has tried to pay but the business owner has been charging 18 % on the loan for the last 4 years and will not except just the {$2400.00} payment. The business owner has taken a debt that was for a business and in the business name and has switched it from the business name into my wifes name and then into both our names and now only into my name. We have tried multiple times to get this corrected and fixed and now he is showing the debt at our personal address now to instead of the business. We have tried to dispute it through XXXX but we are getting no where with the business owner, collection company or XXXX. We have been in contact with all parties multiple times and either don't get calls back or cant get any straight answer and they just tell us to get an attorney. We have already paid {$1100.00} towards this balance that was owed which is how the balance is down to {$2400.00}. When looking through the documents there are miscellaneous charges to the amount that no one can give us clarification on what the misc charges are for. They are for a couple XXXX dollars each.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 
Check that you wish to publish it
Product: Checking or savings account

Received several emails from Chime. One was an alert that there was a new login on my account ( which I never opened ). Another had an attachment indicating it was my completed Direct Deposit form. A few days later, received a welcome email later, and today I received a XXXX Debit Card in the mail. 

I never used or signed up for Chime. Never applied or gave my information to Chime.
Product: Credit card or prepaid card

I placed an order for a product with Best Buy on XX/XX/XXXX, using my Best Buy Credit Card for payment ( {$1200.00} ). The order was to be delivered XXXX via XXXX. The order was never delivered. Best Buy retailer was contacted via support chat on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : refuses to re-ship the order or issue a credit. XXXX tracking info indicates the order was signed for, but the signature is not my name ( and I live alone ). I considered XXXX  at fault and filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( called virtual BOT XX/XX/XXXX ; spoke to live rep XX/XX/XXXX ; response email to XXXX complaint received on XX/XX/XXXX ) is adamant that Best Buy retailer needs to file a claim to resolve the issue, but Best Buy retailer refuses to do so. I called Best Buy Credit Card Support on XXXX to file a dispute : they are telling me it can take 60-90 days to reach a resolution. I find this very unacceptable and frustrating b/c I suspect XXXX messed up ( either delivered to wrong address & person, or driver kept the order ) but refuses to take blame, but more importantly Best Buy retailer and Credit Card refuses to support a long-time customer and makes me feel like I am not worth the time and effort to resolve the matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to comply with FCRA regarding identity theft they were the cause of a huge security breach and I was one of the people affected. Equifax refuses to remove incorrect information and time and time again I have sent them police report identity theft report Letters conversation ends to no avail. When the CEO step down whoever oversees the fraud and the identity theft department at Equifax credit bureau also should have stepped down or been terminated because it is poorly run my livelihood is on the line because of this despicable credit bureau not reporting correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my XXXX XXXX vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

disputed inaccurate infoormation with transunion due to accounts that are not mine.file # XXXX i know that it may take some time to investigate and reach out to the company so iwas expecting to hear something back in about 30 day. to mt surprise i recived a update in 2 days saying dispute completed. how can you properly investigate and rach out to a company in less then 2 days. the accounts that i am disputing are not mines. i requested validation and recived nothing from either credit transunion or creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$23000.00}. XXXX dates late but have been on payment plan but being recorded like not receiving a payment. 

XXXX XXXX XXXX {$1300.00} evrything shipped to wrong address and services was not as advertised. 

XXXX XXXX XXXX {$750.00} should not be on my credit i have been waiting to understand why i have this on my credit. 

XXXX. {$340.00}. The payment was mailed off over a year ago. 
all hard inquiries. have not given premission to share my information.
Product: Money transfer, virtual currency, or money service

Purchase was made on cash app tried to dispute they closed the account. And it was no one to call or talk to
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ASKING XXXX XXXX XXXX, BARKCLAYS AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning fraudulent accounts on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.