23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This complaint is because my personal information was compromised using my Chime Check bank account. Many transactions were made without my authorization on my debit card. So I proceeded to file a claim. Chime denied my claim and they sent me an email saying my claim was denied and therefore my account would not be credited for the claimed transactions. I want to highlight that this report is about two claims which are : Claim ID : XXXX and Claim ID : XXXX. With a total of {$1700.00} After the claim was denied, I requested the documents used in the investigation but have not yet received them.
Product: Credit reporting

Equifax is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Debt collection

THIS ACCOUNT FROM XXXX WAS XXXX ON XXXX XXXXXX/XX/XXXX TO THE COLLECTION AGENCY XXXX XXXX XXXX, NOW FRONTLINE ASSET STRAGETIES IS REQUESTING PAYMENT ON XXXX XXXX THE RECEIVED FROM TO VALIDATE THIS DEBT AS TODAY XXXX THEY NEVER RESPONSE WITH THE DOCUMENTS THAT PROVE I OWED THIS COMPANY
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information [ WELLS FARGO DEALER SVC ACC # XXXX ] and [ WELLS FARGO BANK ACC # XXXX ] to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

Just about every single time I go to use my credit card my bank keeps flagging it and harassing me constantly and continually to verify hundreds upon hundreds of transactions. Example for today Wednesday XX/XX/XXXX I go to my work and pick up my check for XXXX and at about XXXX when submitting my check for mobile depot, received a message says the bank has up till XXXX to verify the check. Well at exactly XXXX received the following email from ( XXXX ) my Bank : Dear XXXX XXXX XXXX XXXX Item Reference # XXXX ( $ {$9000.00} ) has been deleted from Deposit Reference # XXXX for the following reason : We are unable to accept this check for deposit at this time. Please contact us for additional information at XXXX or XXXX. 

Then they LOGGED ME OUT OF MY ACCOUNT AND LOCKED IT. ( Both in the App and online banking portal ) I called and was on the phone over an hour while they said looks like our system flagged it because it got the coordinates wrong ( always an excuse ) going up the chain to the head manager who then said we will mark your account with a permanent XXXX so all departs will know your proper area you are in. Well here it is XXXX I go to wholes and bam another XXXX and now how to verify a whole big list of transactions. Now this cost me even more time and money because the store closed at XXXX and I could no longer go inside. 

This has been going on for the last 6 months and will take this complaint up as high and wide as have to go in order for this to stop even if have to take it to the treasury department or the courthouse.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year>, I contacted AMX and was told that my application had been denied due to previous account being canceled. However this account information is from XXXX  years ago. It seems like this information is beyond the statute of limitations and should not effect my current credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items all my credit report it has been well over XXXX days and I havent received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than 1 name, more than 1 address, old accounts over 7 years old, accounts that do not belong to me, and accounts that have been disputed. XXXX agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, AGAIN. 

This Account Is Involved In Litigation. 
I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX showing negative for both XXXX and Transunion. XXXX XXXX stated they sent the letter of deletion to all 3 companies. XXXX now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX  XXXX agreed to update so it wouldn't show as a negative. XXXX is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

I have been trying to get this company to stop calling for over a year now. They have called my employer, And when I asked in writing for proof of debt, they didnt send it. I believe these accounts belong to my ex. Ive asked them repeatedly to fix my credit report because they are violating the fair debt collection practices
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX  - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 crediting bureaus sold this fraudulent debt to a crediting agency, XXXXXXXX XXXX, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT : XXXX XXXX Account Number XXXX. I also contacted the credit bureaus about this matter which is affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquiry is fraudulent and provided proof, even though they told me that this inquiry were verified. Please dispute and remove fraudulent inquiry from my credit report. 
XXXX XXXX XX/XX/2024
Product: Debt collection

Wells Fargo I had my loan redone by Wells Fargo and there was issues with it and a complete mess. Next I mailed them letters certified time after time had several phone calls for information that would never send. I also got foreclosed on and never received any foreclosed notices or anything. next thing I no I was foreclosed on and cll them and they would say its a mistake. I was calling Wells Fargo on an average 2 times a day some days more than 4 getting sent around to another department like there was no one could never tell me nothing. no one never followed up on nothing. went into a Wells Fargo mort office and they gave me the run around in XXXX CA. 

When I look at my original loan documents on the day they closed there is about 70 % percent of the documents not even sign by me and there was other issues that I bought to there attention but never no truthful answer. 

I have all my documents from the day of closing in the orginal packet they gave them to me and everything that was giving to me when I first purchase the home from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th time reaching out I am Requesting these accounts to be removed from my report I am a single mom and I want my report to be correct. 
I do not give permission for these accounts to be on my credit report. Please Delete/ remove it from my report. 

In accordance with the Fair Credit Reporting act XXXXt Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I ordered a XXXX XXXX XXXX XXXX XXXX Calculator from a website that looked very legit but from whom I have never ordered before. XXXX When I checked online with Paypal to make sure payment went through I was surprised to find the seller 's email address looked very suspicious yet there was a XXXX tracking number that said my package was on its way. Needless to say, I never got it. I filed a dispute with Paypal and just learned that it was in favor of the seller! Today, I followed up with XXXX thinking it might have been a delivery issue and I found out that the package ( associated with the tracking number on PayPal ) was from XXXX, was delivered to a different customer at a different address, and weighed 33.5 lbs! ... a calculator does not weigh that much. The tracking number PayPal had was from a package that had NOTHING to do with me! Now I'm left wondering how does PayPal resolve their disputes. I called them and there is no customer service because of the pandemic, however, I did read on their site that they don't reopen closed disputes. Do they not follow up with the seller and delivery provider?! HAD they actually done their job they would have learned the same things I did. I have have been with PayPal for years, now I'm, wondering, why bother? Can you help? Here is the necessary information on that case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thank you!
Product: Checking or savings account

I submitted a CFPB complaint ( XXXX ) due to not receiving a promotional offer from CitiBank. As per the company 's response, CitiBank promised to provide a statement credit of {$300.00} within XXXX business days. I did not receive the credit after XXXX business days so I contacted CitiBank via email, who responded saying it would take them XXXX  days to even investigate and respond to my inquiry. I was unable to contact them via the phone number they provided. The case should not have been closed until after I received the promised resolution. The company did not do what they said they would in their response.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX balance {$540.00}
Product: Vehicle loan or lease

I bought a XXXX Ford XXXX XXXX through Ford Motor Credit. I paid the loan off. Ford has never reported this to the credit bureaus. I have been on the phone with them three different times each time they say they will take care of it but never do. They finally sent me paperwork saying that I bought the van through them and paid it off. I sent all this information to XXXX and XXXX. with explanations about everything and neither one of these companies have done anything to help me I need this reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX SELF-REPORTED XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to raise a severe issue regarding multiple accounts listed on my credit report, which contain inaccuracies, violations of federal laws, and reinserted fraudulent entries. These accounts include derogatory information from multiple creditors, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts violate federal laws including the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines, displaying incorrect information such as inaccurate balances, misleading status descriptions, and disregard for required dispute comments. The numerous accounts with derogatory status have adversely impacted my credit profile, in defiance of consumer protection laws. 

Additionally, the reinsertion of previously disputed accounts and insertion of fraudulent names, particularly XXXX XXXX XXXX XXXX ' which does not reflect my legal name XXXX XXXX XXXX XXXX demonstrate a flagrant violation of my rights to accurate and fair reporting. 

I demand an immediate, thorough investigation into these egregious violations and prompt removal of all inaccurate and reinserted entries from my credit report. Further, I expect adherence to Metro2 guidelines, FCRA requirements, XXXX CFPB, and XXXX data breach obligations. 

Your compliance with rectifying these breaches is not only obligatory but imperative to restore my rightful credit accuracy and consumer rights. Any delay or failure to resolve this matter with urgency will result in escalated legal actions to enforce my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. * **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. * **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt. * Verify and validate the debt with documentation. * Remove any inaccurate information about this debt from your records. I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT CAME ON MY REPORT, ITS NOT MINE AND I WOULD LIKE IT DELETED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting

Doing my annual check of my credit. Went to FTC and then XXXX Credit report. Successfully downloaded from XXXX bureaus : XXXX and XXXX. Having a lot of problem getting a report from Experian. I tried several times online. Got their XXXX # and called them several times and went thru all the choices. The only way is to pay. I called back XXXX to see if they had another number for Experian ( they were kind enough to give me a different number ). I called this other number and same as the first XXXX I called. Not able to order the free credit report. Only way is to pay. Not able to order the report via phone. Not able to talk to anyone. I called CFPB and they gave me a XXXX to order free credit report via phone. I did order for Experian, I am not sure if I am going to get it ( takes 15 days ). The reason I am writing this is, the lousy service and may be not being able to access of my credit report from Experian like the other XXXX bureaus gave me. Experian should look into the system to provide the report easily like the other XXXX bureaus. Experian is the only bureau that does not provide a human being for the phone service. Horrible service!
Product: Debt collection

Calvary spv. I Llc mailed me a court judgment / entry default in the amount of XXXX. 

I do not perfect this and have never received any collection notices nor phone calls. 
I was never served with a complaint.
Product: Money transfer, virtual currency, or money service

I was scammed by a scammer from XXXX offering to create a logo for my business on social media, the scammer asked for payments via cash app in advance, then asked for additional payments to finalize work and never provided the actual logo or service, he literally stole my money and gave me nothing in return, I paid him a total sum of {$250.00} via Cash app, when I immediately contacted the company they never got back to me and to this day still allows this scammer to continue to scam other on their platform.