23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Starting XX/XX/2023, I received several emails welcoming me to Chime, requiring action to activate features, notification of a Chime Visa Debit Card, asking me to activate my card, etc. ( which I did not see right away because of the holidays ) for a new account I never set up or authorized. Then overnight I received 2 emails from Chime saying I successfully sent 2 people I've never heard of money using Chime 's feature, Pay Anyone, one in the amount of {$1900.00}. 

I called Chime 's fraud department and they immediately closed the account, but I want to know why I would receive a money transfer email from Chime when the fraudulent account was never linked with any bank accounts, etc. I also want to know what information was used to set up the fraudulent account and why Chime 's security is so substandard and inadequate in a world now where everything requires double authentication. If this fraudulent account was never activated or linked, how were the scammers able to send me {$1.00}, then have me pay them back {$1.00} before the 3rd transaction ( supposedly ) of {$1900.00} and where in theory did that transfer of funds come from? 

If Chime is going to be in the Financial Technology space, they need to significantly improve their security and be able to track where these transactions originate and answer these simple questions noted above. I need to know as I now need to monitor for other potential identify theft issues if the scammer has significant personal information which could allow them to open other accounts, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with Experian, XXXX and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.
Product: Credit reporting or other personal consumer reports

im writing to formally dispute several hard inquiries listed on my report which were made without consent and in voliation of FCRA 15 U.S.C subsection 1681b. As per understanding FCRA, hard inquiries can only be made if they are related to a permissible purpose, such as an extension of credit, employment purposes. i never authorized these entities to access my credit report nor did i apply for any credit or service from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX have 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 card or prepaid card

My complaint is with XXXX XXXX XXXX XXXX XXXX. I have reached out to them on several occasions including today XX/XX/2019. Previously, I have spoken with the Fraud department and informed them that I am a victim of Identity theft, and the young lady I spoke with provided me with a fax number and at the time I faxed a copy of a police report and I also forwarded that same police report to all of the three major credit bureaus. And on the call with the rep from the fraud department from XXXX XXXX she stated that this was going to be removed from all credit bureaus. Here is it almost 6 months later and this same account is reporting. In fact they changed the status to closed, but its still on my report. On today I called First progress and spoke to a rep in the Fraud Department Named XXXX he would not provide me a agent ID # or a lastname. I then informed him of the situation and he stated that he did see that I called several times and he asked nothing was done on my behalf and I told him no! I told him that I will be emailing the CEO of the Company as I have done all that I can do I have faxed over documents and made several calls. He was able to see all the calls I have made, he took my number and stated someone would call me back.
Product: Credit card

I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.
Product: Mortgage

I scheduled a payment for my Mortgage on XX/XX/XXXX to draft on XX/XX/XXXX. Over the last few weeks, my mortgage servicer has changed their name, website, and tooling for payments. They can not provide me an answer to the question of weather the scheduled payment will still be drafted and applied as scheduled.
Product: Credit reporting or other personal consumer reports

First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the XXXX XXXX XXXX showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with XXXX starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. XXXX now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... XXXX  should be sanctioned for reporting incorrect information or remove this  derogatory marking from my credit bureaus they report to promptly and why I seek your help
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and I noticed there are incorrect and fraudulent accounts being reported on my consumer report. I am aware of the FCRA and understand that I have the right to dispute these accounts.
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 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX ally financial made a credit inquiry on my credit report and obtained a copy of my credit report for an installment loan. 
I have not applied for any loans or any installment loans through ally. 
I will never apply for anything through this bank after having a bad experience years ago with them. I didnt have a loan it was just bad customer service for questions like 12 years Ago. 
So I did not authorize anyone or this bank to allow ally to have a copy of my credit report but they got a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX that was taken out in 2008. I first was late and it was reported in XXXX 2008. Someone, either the reporting agency or the lender changed the status of all latenesses as ND or No Data. This seems unfair. I am trying to remove this item from my report because the date of the first reported lateness was in 2008. It has been more than 7 years. This at least should be removed from the negative area of my accounts on credit report. This includes all three reporting agencies. But because they have all changed the status to No Data, instead of Late I am unable to properly dispute. This seems both unfair and manipulative.
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 CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCNT XXXX XXXX, XXXX XXXX XXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX ACCNT # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A 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 am reaching out with great concern and distress after recently discovering that I am a victim of identity theft. As a young man who is just beginning to build my life and provide for my family, I was shocked to find that someone had used my personal information to obtain a car loan in my namesomething I never authorized or knew about. This has left me in an extremely difficult position, as I am now faced with the responsibility of dealing with a debt I did not create. 

Ive always worked hard to be a responsible citizen and am currently working toward purchasing my first home for my family. However, this unforeseen circumstance has completely thrown me off course. I feel overwhelmed by the fact that I am being held responsible for something I didnt do, and I am struggling to understand how this could happen to me at a time when Im trying so hard to build a stable future.

I am aware that there are laws both in Texas and federally that protect victims of identity theft, and I need your help in ensuring I am not held accountable for these fraudulent debts. According to XXXX law ( specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), victims of identity theft are entitled to have fraudulent accounts removed from their credit report and should not be held liable for the debt associated with those accounts. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, individuals are protected from the negative consequences of identity theft, such as being held responsible for debts incurred by fraudsters. 
I am asking for your help in ensuring that this debt is cleared from my credit report and that I am not unjustly required to pay for something I didnt authorize. These laws are in place to prevent exactly this type of situation, and I believe I should be fully protected under them. 
I have attached my Identity theft Report, please provide me with guidance on how I should proceed to resolve this issue and ensure that my credit and financial well-being are restored. Ive worked hard to get to this point in my life, and it is incredibly unfair to have to deal with the consequences of someone elses actions. Im simply trying to move forward and be the provider my family needs, but this situation has become a heavy burden that I can not carry alone. 
Thank you for your time and consideration. I look forward to your assistance in resolving this matter as quickly as possible.
Product: Money transfer, virtual currency, or money service

We recently switched to Square as a payment processor for The XXXX XXXX XXXX ( a XXXX organization ). On XX/XX/XXXX, we had XXXX transactions for donations totalling {$6900.00}. XXXX  sent an email saying they were closing the account effective immediately, but that they were going to hold the funds for at least 90 days. These donations are critical to our organization and Square has not provided any meaningful attempt to rectify this situation ( releasing the funds ) even after we said we'd provide any supporting documentation they would require. 

I've attached a copy of our determination letter from the IRS and a screenshot of the suspended deposit. More information about XXXX can be found here : https : XXXX
Product: Credit card

I originally submitted a complaint regarding Discover denying me access to credit cards and privileges connected to related background accounts and securities i am the original note holder of with them. Discover responded without addressing my core issues. I am requesting the CFPB assist in ensuring Discover addresses substantive issues raised about rights tied to my account history underlying their trusts. Their response sidestepped this entirely. 

Specifically, as I explained previously in detail, legally binding credit account relationships are created from signed credit card applications and associated terms- which represent accounts receivable assets securing underlying securities. However, despite years of credit applications and pre-approvals with Discover, they are denying me access tied to obligations connected to my identity circulating in their trusts. 

In summary, Discover avoided engaging on my core issue - accessing credit card privileges affiliated with my contractual background, given signed applications forming accounts. I am requesting the CFPB assist in ensuring Discover addresses substantive issues raised about rights tied to my account history underlying their trusts. Their response sidestepped this entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.
Product: Student loan

XXXX XXXX is indicating that I have only made 45 qualifying payments out of the 120 required for the PSLF program. According to my records, I have made 65 qualifying payments.
Product: Checking or savings account

There was two of my accounts that got shutdown by Key Bank my hassle free savings account and my XXXX XXXX account. The first one is information from my laptop, as I have saved screenshots of the transactions that I took this morning on XX/XX/XXXX. 
On XX/XX/XXXX they had deposited {$4000.00} from a check that my friend XXXX XXXX has sent me in the mail that went into the hassle free account. Her son XXXX XXXX had tried to send me {$8000.00} on XX/XX/XXXX but they never went through, as he got his money back just recently. In the XXXX XXXX checking account the other checks that XXXX XXXX sent me was deposited on XX/XX/XXXX as the total amount on the checks that went into that account was for {$3200.00}. Recently XXXX XXXX has notified me that on her side from her XXXX XXXX bank that the transactions went through without any issues and so there is someone at the Key Bank Corporate Office that has placed a block on my account and has not returned the funds back to XXXX XXXX? Last night I read about the 408 complaints that Key Bank has, as they are mostly from older people and poor people like myself. Right now I want to see about starting some kind of investigation against the people working in the corporate office, as most of those 408 people have lost money from Key Bank. Plus I would like to file charges and take Key Bank to court for the actions for what they did to me, as I have evidence in pictures and those screenshots of the accounts.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the violation of the credit law on my report. It has been over 30 days and I have not been compensated for improper use of my credit rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to move a collection that was reported to the credit bureaus during the debtors 30 day window for debt validation. I have uploaded proof to Experian dispute center directly from XXXX XXXX stating that I had 30 days to request debt validation, in which I responded to XXXX Credit requesting debt validation. Instead, XXXX XXXX broke their own rule and reported to the bureaus before the 30 days were up. Once I submitted a complaint against XXXX Credit for violating the FCRA, the collection was removed from two bureaus except Experian. Instead, Experian said the debt was valid without looking at the PROOF provided ... the time XXXX credit reported the debt vs the time XXXX XXXX mailed out the letter. Experian isnt cooperating with the removal of the collection that was reported before the 30 days were up
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
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 to comply 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 fail 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 XXXXXX/XX/XXXX