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

On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. There was also an incident with another user where I asked them to refund me due to a scam. I disputed the charge and reported it to CashApp, but never got the proper response or refund ( XX/XX/year> ).
Product: Debt collection

I am a victim of identity theft and see inaccurate accounts on my credit report by the name of XXXX XXXX and someone stole my identity in 2017 and it has been a nightmare ever since I have contacted the credit bureaus numerous times to have the false items removed from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the response I received regarding my complaint, which was marked as a duplicate on XX/XX/2024. I must respectfully disagree with your assessment that my complaint was duplicate in nature. My initial communication clearly outlined specific issues and requests that have not been adequately addressed. 

First and foremost, I want to address the legality of reporting transactions that are excluded from consumer reports by law. As per 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' excludes information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. 

Furthermore, under 15 U.S. Code 1666b - Timing of payments, a creditor may not treat a payment as late unless reasonable procedures are followed to ensure that required information is mailed or delivered to the consumer at least 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX {$710.00}
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, Colorado XXXX, CO, XXXX ; ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible security of the information concerning the individual about who the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positiveily verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the folllowing account be validated or DELETED immediately : XXXX. XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXXn addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Checking or savings account

My account was charged 2 times for XXXX bank of the West could care less when I told them it was fraud .. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... CBA XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDU XXXX XXXX XXXX DEPARTMENT OF EDU | XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.US BKPT CT XXXX XXXX XXXX XXXX. I will upload a letter from Lexisnexis that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and Lexisnexis has verified the information is not valid.
Product: Credit reporting or other personal consumer reports

I have asked Experian, XXXX and XXXX to remove a collection from XXXX XXXX as XXXX did not respond to my request o verify the purchase of the debt. 

This is what was sent to XXXX by certified mail. they did not respond " Hello, Please provide a signed copy of the purchase agreement between you and XXXX XXXX  showing the amount you paid for the debt, all terms and conditions and the statement from XXXX guaranteeing the accuracy of any documents provided to you. 
I asked you to cease all communications but am preparing for a lawsuit against XXXX as I have multiple debt collectors trying to collect the same debt. 
Please let me know in writing if you do not intend to provide the requested document. After that our business will be concluded and there will be no further contact or action by you. 
If you do not intend to provide the document or are unable to them, please remove the collection from all credit reports. 

Please do send me copies of statements or a generic XXXX XXXX that says they sold it to you. XXXX is aware of exactly what I am asking for. '' Experian, TransunioXXXX and XXXX were provided a copy of this letter. XXXX has responded that they verified the information but did not provide the requested copies of how they verified it. 

My understand off FCRA is that if XXXX can not provide the requested information they must remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; 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 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

I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was nearing the end of my XXXX XXXX XXXX XXXX  contract. The equipment for XXXX XXXX was delivered a couple of days later ( after XXXX ) with self install instructions. I wasnt able to complete the install myself, and I hadnt scheduled XXXX XXXX XXXX  to disconnect until new service was installed & functioning properly. Rather than waiting for a technician to eventually install the new services for an additional charge, I decided and renewed XXXX XXXX XXXX services ( as always, paying more than I should for only a little bit of actual services ). I called the next morning, spoke to several people in several departments at XXXX XXXX & arranged the return of ALL equipment. This was later verified, all equipment was received. I was told repeatedly that all equipment was received & that I would not be ncharged ( since no service was ever received ). A few weeks later, I received a bill! I repeated that entire process as described above, AT LEAST 3 times by the XXXX of XXXX! At the end of XXXX, I repeated this process AGAIN, with less patience than usual and stopped receiving billsonly because it had been turned over to a collection agency ( XXXX XXXX )! This then began to show past due/ unpaid on my credit report. Ive since filed XXXX disputes about XXXX XXXX XXXX XXXX XXXX through my Experian app, and called XXXX XXXX AGAIN. I had a lengthy conversations about this- XXXX months after I was assured that it would not be a problem. On XX/XX/XXXX, I was assured this would be completely retracted & I should expect full resolution by XX/XX/XXXX. This was supposed to DELETED from their system & corrected in every credit reporting agencys system, as well. Its been close to a year and I am still spending hours every month trying to resolve something I never owedand its still a problem? I should not have to pay for something I dont owe, nor should I have to pay someone else to fix something that should never have been a problem to begin with. I dont know what to do? Hire an attorney and pay them to prove I dont owe it? Sadly, this is just ONE of the accounts on my credit report, that arent my responsibility and I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00}
Product: Checking or savings account

Formal Complaint Against Chime Financial , Inc. Regarding Missing Funds Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime Financial , Inc. regarding an unresolved issue involving missing funds from my account. On XX/XX/year>, Chime withdrew {$6800.00} from my account, claiming the funds were returned to the Internal Revenue Service ( IRS ). However, after contacting the IRS, they confirmed that they have no record of receiving the returned funds. 

This unresolved issue has caused me significant financial distress. I have made numerous attempts to resolve this matter by contacting Chimes customer service, but their responses have been unsatisfactory, and they have failed to provide any proof or resolution. 

Details of the Complaint : Bank Name : Chime Financial , Inc. 
Transaction Amount : {$6800.00} Transaction Date : XX/XX/year> Issue Description : Chime claimed to have returned the funds to the IRS, but the IRS confirms no such transaction occurred. 
Attempts to Resolve : I contacted Chime multiple times, but their responses remain vague and unhelpful. 

Resolution Sought : 1.Proof from Chime confirming the return of the funds to the IRS, including any transaction details or tracking information.

2.Immediate reimbursement of my funds if Chime can not provide proof of the return to the IRS. 

I am providing all relevant documentation to support my complaint, including bank statements, transaction details, and my correspondence with both Chime and the IRS. 

I trust the CFPB will take appropriate action to ensure Chime addresses their obligations and resolves this matter promptly. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I reported to XXXX that they were inaccurately reporting information regarding my Capital One credit card, which caused my FICO score to drop. I provided them with a statement on XX/XX/XXXX, and they responded that they were still working on my dispute. By XX/XX/year>, they completed the dispute ; however, the information still needed to be completed. Although my score increased, it didn't reach the correct amount. Recently, I found out they reported using 60 % on my credit card, which resulted in another XXXX drop in my score. My balance is {$270.00}, with a credit limit of {$300.00}.
Product: Debt collection

I have a debt collector show up on my credit report Convergent outsourcing. I have send 2 letters requesting they verify the debt because its for XXXX. Well I'm a current comcast customer and my bill is autopay and has been for years so I doubt the {$1000.00} is mine. I've disputed it on my credit reports and it just says updated never any proof that it is actually mine. I've never gotten a response to my letters with the verification that it is mine Either. I just want it removed from my credit report.
Product: Credit card

Hello, this is regarding MC issued by XXXX XXXX : acc. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I bought an online ad placement on XX/XX/2016. Shortly after that the website disappeared. I called the number on the email receipt, I was promissed a refund of {$190.00} the next month and the next month. Finally I called XXXX XXXX. They claimed if was over 6 months ago and they can do chargeback but I would have to write the letter. After they asked me for other documents they I promptly faxed and mailed, after few weeks they denied my chargeback : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for contacting XXXX Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2016 {$190.00} XXXX XXXX XXXX Due to the age of the charge, we have no options available to obtain a credit for you. 
Thank you for contacting us. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE. 
XXXX They have my money and merchant is still processing with XXXX, so why they refuse to chargeback for the service I paid for 18 months for and I got nothing? I hope you can influence their Dispute Department as this is clearly nor fair to leave consumer with the money gone and no help from my credit card issuer. Thank you. 
XXXX XXXX.
Product: Credit card or prepaid card

I am writing to request that you refrain from reporting a single late payment on my account during the global pandemic. This incident should not negatively impact my credit history, especially considering that my credit card currently holds a XXXX balance. 

Given the unprecedented circumstances of the pandemic, I believe it is crucial to consider the extenuating factors surrounding this late payment. I have been a responsible customer, consistently making timely payments before the pandemic. However, the financial challenges brought upon by the crisis significantly affected my ability to meet this particular payment obligation. 

I kindly ask for your understanding and compassion by not reporting this late payment to the credit bureaus. By doing so, you would prevent any unnecessary harm to my credit history, which I have worked hard to maintain. This exception would provide me with a fair chance to recover financially and ensure that my creditworthiness is not unfairly compromised by a single isolated incident. 

I value my relationship with Capital One and hope that you will consider my request. Thank you for your attention to this matter, and I look forward to a favorable resolution.
Product: Debt collection

This company Southwest Collections SOUTHWEST COLLECTION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has reported so many claims to the bureaus I owe them anywhere from {$7.00} to {$300.00} and I have had them all removed due to accuracy as they are not mine! I have PPO private insurance and I have never been to their urgent care, but I also never had a co pay or any EOB from my insurance showing I went to this Urgent Care. They keep adding new claims to my credit report every time I get one removed and they are always for a different amount. 
I consider this harassment and they are out right lying. I know I have not ever been there and this new claim is the 5th one in 18 months they have tried to collect form me. Never once did I receive anything in writing or by phone about the debt. The first I ever heard of any of them was when they showed up on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor ) XX/XX/XXXX {$180.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX