23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX, AND XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check at the chase branch when I got there the teller said the system was down and gave me a XXXX number to call which I did the person at the XXXX number said the system was not down and I needed to speak with the branch manager I called the branch manager and nothing no show of my deposit reflectes on my account I want my money and I would like to close this account ASAP and take my banking elsewhere
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b. 

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX TransUnion, XXXX XXXXXXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX The XXXX XXXX XXXX  XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, TransUnion, XXXX XXXX Bank TransUnion, XXXX XXXX XXXX XXXX  XXXX Mi TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may  take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged COVID-19 sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

Over the years I have had the card there has been several troubling issues. On occasion when before I have the chance to make a late payment -- -I get another " punishment '' -- the card locks when I am in public using the card. Early this year I am obviously paying the card off and corresponding with the XXXX XXXX card XXXX number -- they refused the card payment. I always had to talk to " girls '' they would pass me around on phone calls!! More Punishment!!! They even hung up the phone call once!! I contacted my Attorneys and also started a complaint early this year!!! I just received another email " they want to talk again ''!!! Now the balance of the credit card is {$1700.00} dollars!!! More punishment??? I am disgusted with this intentional harrassment and ruining my credit score!!! XXXX XXXX XXXX card girls need to go Prison!!
Product: Credit reporting or other personal consumer reports

I have Numerous companies reporting that I have Authorized them to review my credit report and I have Not.
Product: Credit reporting or other personal consumer reports

I was advised by Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. XXXX XXXX XX/XX/23, XXXX  XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries which are affecting my credit report XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00}
Product: Checking or savings account

I signed up with a Business checking account on XX/XX/XXXX with XXXX XXXX under the Union Bank {$300.00} Checking Bonus flyer that I received in the mail. It was to complete XXXX transactions and make a direct deposit into your business checking account. I first checked in on the XX/XX/XXXX by email and XXXX called me to let me know that he was checking in on it and would follow-up. I didn't hear anything back and followed-up by email on XX/XX/XXXX and he let me know that the promo was 60 days instead of the original 90 days he told me. We went back and forth and said that he would reach to the back end to see if they would approve since he did have the original flyer in his possession. XX/XX/XXXX He called to let me know that it was approved. I waited and followed-up several times by email with no response. I went into the bank and was told that XXXX no longer worked there and was given a phone number to contact XXXX, the assistant XXXX XXXX. I called XXXX and he said that he had to check with the the back office to check with the status. XX/XX/XXXX I was told that it had been approved and I was to send over banking information for the bonus to be deposited into my account. I never received it and kept getting delayed responses. I made sure I followed every instruction that was given and I am still waiting and it's been over a year.
Product: Debt collection

I tried to send AMEX a letter last XX/XX/2021 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AMEX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information.

I never received any response from them and they did not update the credit report as disputed.

AMEX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.

I have attached a copy of CFPB Mandate on Removing Items on Credit Report.
Product: Credit reporting or other personal consumer reports

The organization will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.
Product: Checking or savings account

I received a class action check from CFPB in the amount of {$100.00}. My financial institution processed a charge back for the payment which has caused tremendous distress and loss of funds. 

I need to reach a live agent to help solve this problem ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.
Product: Credit reporting or other personal consumer reports

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the Experian Credit Bureau but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Product: Credit reporting, credit repair services, or other personal consumer reports

currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX XXXX-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.
Product: Checking or savings account

Hello I really hope you can help me. There was several transactions to my checking account which I didn't make. I contacted Chime bank ( my financial institution ) to get the problem resolved. The lady I spoke with at Chime, told me that she was going to have to make three claim because of the amount of unauthorized transactions made. She said it was Chimes policy. ( now I realize Chime does it on order to divide the incident to have reason to deny ). The three claims I speak of took place by the same person in the same time frame. The lady I'm speaking of name is XXXX and her husband name is XXXX. 

XXXX approached me saying the IRS has money to sort out and I might be approved of unclaimed funds. He said his wife should do the filing for me since she does income taxes for the IRS. Having done that. I Began to question her about the refund. She told me she wouldn't steal nor take advantage of me. Little did I know she was, by getting my personal info from Chime. She had Chime change all my personal info to reflect I was staying at the address she provided. She had my phone number changed as well as my email address. 
I was frustrated having found this out because Chime had a debit card mailed to her address which they should not have done. Chime would have their members verify themselves by sending a selfie holding driver license or ID holding an index card with name and the days date on it. Why Chime allowed this happen is senseless to me. 
Her coworker got in touch with me and told me what was happening. She advised me to Contact Chime and have them block the card. I also started the claim process. With this claim Chimes employee made three claims on the same ticket. Claim number XXXX, claim XXXX, claim XXXX. 

Chime approved claim XXXX which was {$2000.00} XXXXThey refuse to approve claim XXXX and claim XXXX. Their reasoning is " I didn't send them no new documentation " The documents I did send to them that they used to approve of claim XXXX is the same paperwork I got off my transactions history and messages from the lady that contacted me. ( I would like to send these to you ). I don't understand how are they allowed to do this. They are trying to make these separate incidents which they aren't separate incidents ( as you'll see when I send this to you. ) I also asked for the reason why and what they used to come to the conclusion. They never sent me documents so I could see why they would deny certain claims but approve some. Does not make any sense to me other than that claim XXXX is the lesser amount of the 3 which was {$2000.00} claim XXXX amount {$22000.00} claim XXXX {$2400.00} ( and something ). 

The lady that did this to me perpetrated a fraud. I trusted that she was a legitimate tax preparers. As soon as the IRS deposited {$31000.00} into my account she immediately started making withdrawals. ATM withdrawals, transferring money to her bank account XXXX XXXX and Bank XXXX XXXX also cash app transfers. I explained this to no avail. Now I come to you for help. After you review this hopefully you find the way to assist me In this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



These are the actual accounts that are inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX N.A. 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

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

Accordance to the fair credit reporting act these creditor Credit Acceptance and XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy. 15 USC 1681, section 604a section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open and consumer credit plan as late of any purpose.

( 1 ) Credit Acceptance : Shows as if I have not been making payments, payments on time and that Im behind 24 months of payment which is not true. Ive call about this matter. Nothing has not change on my credit report. Credit report shows XXXX of XXXX until now I have not made payments ETC ( 2 ) XXXX : ( original creditor : XXXX XXXX XXXX XXXX ) During this time. I was XXXX From XX/XX/XXXX to XX/XX/XXXX Which shows and means I was a XXXX of the state. All medical and medications was covered and Insurance by the state. Also this is over 2yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on XXXX XXXX from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX XXXX XXXXXXXX on the above date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I signed up for Experian 's credit monitoring service for $ XXXX and was not allowed to dispute my credit information online. I tried to dispute online several ways, and was repeatedly given a message that Experian would not process online disputes, due to " security issues. '' I called Experian twice to request that they enable online dispute of incorrect credit information on my credit report, and both times their phone tree hung up on me. When I finally did reach a service representative, he did not know why Experian 's online dispute function was not working, and he had no interest in finding out. 

I believe that Experian has intentionally disabled its online dispute mechanism to cut down the number of disputes. I believe this because when I XXXX " why won't experian dispute online '' I found many comments from consumers who were frustrated with Experian 's refusal to allow online disputes. There are multiple errors in the personal information in my Experian credit report. With XXXX and XXXX, I was easily able to dispute information online. I am asking the CFPB to hold Experian accountable, and make it easy to dispute information online.
Product: Credit card or prepaid card

I received an email at XXXX on XX/XX/22 alerting me that a credit card was opened in my name through Bank of America but it was not me, it is fraudulent. 

Your credit card application has been received XXXX XXXX, We wanted to let you know that we've received your application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We're currently reviewing your information and you can check your application status online at any time. 
Your application reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/XXXX. My issue was investigated by law enforcement, and was found to be identity theft/fraud. The person responsible for this fraud is currently incarcerated. I have submitted my police report, and findings to XXXX.   XXXX continues to report XXXX XXXX XXXX, and XXXX XXXX XXXX on my credit report even though these accounts do not belong to me. These accounts are fraudulent accounts that XXXX continues to update on my credit profile. XXXX also continues to report addresses that I have never resided at. I have never resided at

XXXX XXXX XXXX XXXX Texas XXXX, nor have I ever resided at XXXX XXXX XXXX XXXX XXXX Texas XXXX.

Equifax continues to report XXXX XXXX XXXX XXXX Texas XXXX as my previous address even though this is the address to the Texas Department of Family and Protective Services. I have never resided at this address. Equifax also continues to report XXXX XXXX XXXX as an account that belongs to me. This is a fraudulent account that not belong to me. XXXX XXXX XXXX previously reported this account as being charged off in XX/XX/XXXX, but recently updated and reported on XX/XX/2018 this account as being current and delinquent. XXXX XXXX XXXX has updated this account multiple times with different balances, dates, and outcomes. This account is fraudulent and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a collection against me on XX/XX/XXXX for {$270.00}, they agreed to close and remove this from my credit file if it was paid in full, I did pay it in full in XX/XX/XXXX. They sent out letters to XXXX, XXXX and Experian notifying them of this, XXXX and XXXX closed and deleted it from my credit file, Experian still continues to report it on my credit report along with they are reporting that it also had a late payment, this was a collection, late payments did not apply. I contacted XXXX XXXX and they stated that they notified Experian to correct the information, I also contacted XXXX XXXX and they also stated that it would be corrected. I have filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, Experian just keeps updating my file with the incorrect information and they still have not closed and deleted the file as per the agreement. I have also had representatives at XXXX XXXX send letters regarding this matter, that I did submit with my dispute with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Sent a XXXX transaction to XXXX XXXX for the amount of {$1400.00}. The XXXX transaction says complete but XXXX XXXX did not receive this payment. We have called the recipients bank and the money is not in her account, not pending, and not on hold. We have tried deactivating XXXX and activating it again. The dispute filed on XX/XX/year> with my bank ( Chase ) was denied because they say the transaction says complete. But, the money is not in my account or the recipients account to this day ( XX/XX/year> ). I have went to the bank in person, called numerous times and no one can tell me where the money is.