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

XXXX XXXX  XXXX and the credit agencies Experian and XXXX are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting XXXXwo different account numbers.
Product: Credit reporting or other personal consumer reports

I am financed with XXXX XXXX XXXX and my report score has gone down XXXX points because bureaus are reporting my vehicle balance increased around XXXX and payment was made as agreed which should be reported as a decreased balance. Also reporting for XXXX is not showing on XXXX, and XXXX. Please update report with accurate current information and adjust scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # 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
Product: Vehicle loan or lease

I was lied on by the chase finance company saying that I wasn't paying my car notes? But in actuality, Chase wasn't posting my payments at all and they started calling me about the payments I had made but said they didn't receive my payments? So, I reached out to XXXX which is supposed to aid the consumer in legal situations to a certain degree, and have a arbitration between the two parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I transferred {$1800.00} it to my block chain account when I went to transfer it to my cash app XXXX wallet I sent it to an account I dont use anylonger $ XXXX My account that I use is $ XXXX I contacted them they wont help me at all Ive contacted support Ive emailed support there email is full I want my XXXX its sitting in an account I dont have the phone number or the old debit card please help they have blocked my contacts my old debit card and phone numbers on purpose I can not access my old account XXXX XXXX
Product: Checking or savings account

The call was on XX/XX/21. The call ended at approximately XXXX EDT. The call was made to BBVA customer service at XXXX. I was trying to get my account setup as it was transferred over from Simple ( their subsidiary ) to the parent BBVA. The customer service representative was not helpful and she asked for my password to the account which constitutes fraud. I did not give her my password but she does have all of my other information. Once I asked to speak to her supervisor she became even more hostile and hung up on me. No issues were resolved. Now I do not feel that my personal information is secure and with to close all the accounts and have all my personal information removed from BBVA.
Product: Debt collection

I am a victim of identity theft. Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victim of identity theft and inaccurate information. After reviewing my credit reported by XXXX I noticed fraudulent accounts being reported, both the rental screening and consumer reports for US Collection West , Inc, Under 18 USC 1028A aggravated identity theft is a crime. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX ( XXXX XXXX ). Please remove these items. XXXX inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) ; see FTC Report Number : XXXX See Report ID : XXXX ( XXXX attached images )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, ONEMAIN add a hard inquiry on my credit report. 
On XXXX. XXXX, 2019, XXXX XXXX - XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND A XXXX CARD ACCOUNT ON MY CREDIT REPORT THAT I NEVER RECEIVED OR SIGNED UP FOR AND BELIEVE THAT IT IS A RESULT OF ID THEFT. I FILED A REPORT WITH THE FTC, CONTACTED XXXX DIRECTLY, SENT INFORMATION TO ALL THREE CREDIT BUREAUS AND ASKED FOR PROOF THAT I ACTUALLY SIGNED UP FOR THIS ACCOUNT WITH NOTHING OR NO RESPONSE FROM THE CREDIT CARD COMPANY. I CALLED ALL THREE BUREAUS AND NOTHING HAS BEEN DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX  : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. Thank you
Product: Credit card or prepaid card

Chase freedom credit card. 
I am attaching letter and billing information from their company which I will also attach that I don't have a chase freedom card not did I apply for one
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for falling to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 16815-2, 1581i ( 5 ), and 16B1c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated.

I sent dispute letters to Equifax regarding [ specific disputed accounts or information ]. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit.

The recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} Million for Improper Irvestigations of Credit Reporting Errors, [ insert date of action ] ) demonstrates a pattern of noncompliance by Equifax. My experience aligns with the improper practices highlighted in this Lawsuit, including a lack of diligence in investiting consumer disputes.

Equifax 's actions violate the following FCRA provisions : 15 USC 1681e ( b ) : Failure to ensure the accuracy of consumer reports.

15 USC 1681s-2 : Neglect of duty to prevent and correct inaccuracies.

15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information.

15 USC 1681c ( c ) : Continued reporting of outdated information. 
I request immediate corrective action, includi 1. Full and proper reinvestigation of the disputed items.
Product: Credit reporting or other personal consumer reports

I AM A XXXX  FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Debt collection

Inaccuracy on reporting - last activity Date of last activities per bureau on the credit report : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX - The high balance amount is also different between credit bureaus XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX - Date of the last payment has been reported incorrectly XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This means that they kept reporting even after 90 days, which is against the fair act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX  XXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX  XXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.
Product: Debt collection

There is a unknown account listed on my credit file which I have disputed and received nothing no validation etc. Please help I do know what else I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my " free '' online credit report through XXXX for Equifax. I entered all my identity information correctly. Both times, I got several " challenge '' questions from Equifax and NONE of those challenge questions were valid. In other words, both times, out of four questions, they said something like, " Records indicate you opened an account in XX/XX/2019, which company was it with? '' I opened no accounts in 2019 AND none of the listed companies were companies I do business with at all. After I answered that it was none of them, Equifax then shunted me over to a XXXX  page to write all my identity-theft information onto a piece of paper and MAIL it to them. Now I know from doing this over a year ago, that they never respond. This is a transparent refusal to provide my " free '' credit report. If I signed up for a PAID account, they'd give it to me immediately. I'm not giving those XXXX a PENNY. Ever. And you're not making them give out reports. All three of these XXXX XXXX, Equifax, and XXXX XXXX set up obstacles. XXXX  always complains the website it down. XXXX  always tells you to call them and never answers. Ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with  XXXX   XXXX  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.
Product: Credit card or prepaid card

On XX/XX/21 I was notified by my banks fraud dept that an app called, XXXX was attempting to make a purchase at a XXXX XXXX in California for {$2800.00}. It was declined and my bank then asked me if it was me, and I replied no! At that time I also informed them that this XXXX  prepaid debit card just withdrew {$2500.00}! Along with four other small withdrawals of {$25.00}. Totaling {$2600.00}! After that I made calls to my bank, and they in turn, to me verifying it was in fact, not me. I also have texts, emails, and phone calls in real time verifying that. Problem solved right? No. Despite the obvious hack to our account and the bad work done by Visa verify and Chase bank, they refused my " claims '' because I guess the funds had already gone out. Now they ( Chase ) are re stealing back from us! Apparently this XXXX tried dozens of time before, during and after the night of XX/XX/21 to steal from our account, but were stopped. I have since closed my account with Chase because I can no longer trust them with the safety of my money after some 20 plus years of banking with them. XXXX is a scam and people need to be aware
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, XXXX not responsible for this account.
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. 

Account name : Dept of EdXXXX XXXX Account name : # XXXX ; XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( Experian ), Account name : US Bankruptcy Court XXXX XXXX XXXX & XXXX 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 an 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

As of XXXX of XXXX, I have become a victim of Identity Theft. I called and mailed in correspondence to Equifax for them to monitor my credit reports and update any information that wasn't mine. Recently someone broke into my car and stole my purse that contained all of my important information. Such as credit cards, my social security card, and my license. As of XX/XX/XXXX they have opened XXXX credit cards in my name. Going over the initial credit limit. Equifax has my credit statement and extended security freeze but still allowed for theives to access my credit. I have sent them my police report, my Identity Theft report and letter showing the accounts have been deemed not mine yet I see all XXXX accounts being reported. I would like them removed immediately as they are not mine. The accounts have gone to collection and they're being reported. This is wrong and I need it fixed. XXXX XXXX for XXXX accounts with XXXX XXXX. Both need to be removed as the XXXX XXXX XXXX  agreed to remove accounts due to Identity Theft. They legally can't have a collections showing for the accounts they've closed and reported not mine. Those accounts need to be removed. Also showing XXXX with balance XXXX which was also opened by a thief. I sent in all documents and it still being reported. It needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have banked with Chime for far too long and I regret ever opening an account. I have filed a total of 3 or 4 disputes - the first two ever were investigated and even though the purchases were made when I was out of town and I made inquiries and requested the evidence used to support their claims multiple times - I was not refunded and I never received my money back. Most recently I have filed a dispute for over {$1000.00} - this was a multi transaction software issue and I reached out to the company that I made the purchase from. They instructed me to dispute the charges because they were having issues processing a refund. I was told it would take 2-3 days. Chime was then called and talked to extensively about why I wasnt requesting a refund- to which I had and was following the companys response. Its now been over a month - the original charge was made XX/XX/XXXX. The company I had the issue with, XXXX XXXX XXXX by XXXX XXXX XXXX XXXX is a registered seller through XXXX - an online company that should be aware of the types of sellers it is allowing to potentially run a scam. XXXX XXXX XXXX XXXX cant get a refund to process - even though there is a money back guarantee and Chime will only tell me that their investigation can take up to 90 days. They flatly got 2 disputes wrong and now they are telling me to wait to 3 months for them to investigate. As the customer I shouldnt be having to deal with con artist, but I surely shouldnt have to put up with Chime Bank telling me this is the norm. This isnt normal and more people should be aware that Chime isnt customer focused and they dont follow the timelines of other banks. They also will give you no answers to your questions about the dispute and I even went as far to provide emails from XXXX showing that they instructed me to handle matters this way and still nothing.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''
Product: Credit reporting or other personal consumer reports

Please remove this to my credit report. This is causing me XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, I ( XXXX XXXX ) with account ending in XXXX sent a claim to : Chase Amazon Claim Services. In regard an unauthorized charge for amazon.com. Order XXXX. Order date XX/XX/2021. Dispute Amount : {$140.00} USD. 

However, I have not received my credit back. For this reason, I appeal to your help to resolve this issue. I did not authorize this charge to my credit card, and They have not give me my credit and money back. Consequently, I am paying that debt and that fraud plus interest. I am a XXXX person and I have no money to pay for the theft they are doing to me. So I ask you to fix this fraud with Chase Bank and Amazon, to return the money that I have paid, and to get back my Amazon account, due that although I am paying, they cancel my account.