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

On XXXX of XX/XX/2023, i made an ACH transfer of XXXX $ from my XXXX XXXXXXXX with account number ending with XXXX to my Chime bank and my Chime bank was locked for security reasons. I was told to upload some documents to verify myself which i did but I'm yet to hear from them. I called and still no change.
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. 
Account America Honda Finance : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, has violated my rights. 


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, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent 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. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please see the list of the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Capital One # XXXX Have not given me as promised and advertised beginning of signing up my credit card limit increases they manipulate my scores report inaccurate scores to keep me in bed with there bank and only there bank
Product: Credit reporting or other personal consumer reports

There are hard inquires on my credit and I have no knowledge of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When I have received calls from Midland Credit Management, for a debt that does not belong to me and is not in my name, I have asked them to remove me from their database. They still continue to call my number
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX XXXX. CST I made a payment to a merchant and they have additional security measures before they will finalize my order. One measure involves me providing a transaction number and verification number of the charge. They will not process my order until I obtain that from my card issuer, Chase. 

I called Chase card services to obtain my information concerning the transaction. I initially spoke with XXXX and was denied. I asked to escalate it to a supervisor and was connected after several minutes on hold to XXXX, credit card services. 

I was informed by both that I would not be able to get the transaction code or authorization number to my credit card charge. For security reasons, there is a different level of verification that would need to occur on the merchants side to be able to provide that information. 

My transaction will be cancelled by the merchant within one business day and I will not receive an important order. 

I feel this is an Unfair business practice, under standards of UDAAP, for the following reasons : I do not have access to use my card without it being cancelled by the merchant. 

I am sustaining monetary injury and compensable time damages based on my inability to process this order or have access to my contractual credit line through Chase. 

I can not reasonably avoid this injury as evident with the calls I made to Chase card services. 

There is no countervailing benefit for me to be denied this information as there is no risk in providing me this information on my own card account. 

When asked why it would be a problem for me to know about that information, they said it was a system limitation of Chase to provide that to me. 

I read the entirety of this complaint on the call with Chase and they confirmed all aspects of it's accuracy and affirmed their choice to prohibit me from my own account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on UPLIFTINC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capio Partners is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Bankruptcy. XXXXXXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the rep
ort 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Bank account or service

Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.
Product: Credit card or prepaid card

I represent myself. I sent a cease and desist and validation of debt, Synchrony received it on XX/XX/2021. Synchrony sent a letter XX/XX/2021 and did not answer any of the questions on my audit request. It has cause so much XXXX and XXXX because I exercised my rights as a consumer. Under Title 15, Synchrony has committed misleading, deceptive acts. XXXX XXXX. I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding TransUnion 's failure to remove discharged student loans from my credit report. These loans were forgiven under the Borrower Defense to Repayment program, and per the U.S. 
Department of Education, they should no longer be reported. 
Despite my dispute, TransUnion has not corrected the information, and my credit report continues to reflect these forgiven loans. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the credit reporting agencies maintain accurate and complete records. 
I request the CFPB 's intervention to ensure that TransUnion fully removes these student loans from my credit report. Please advise on the next steps I should take and whether any additional documentation is required. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Conns furnitureLocated in Texas company has used 273 different phone numbers to call then hang up incessantly if payment is late I have asked them to stop on multiple occasions and I believe after consulting with counsel this is a predatory action
Product: Prepaid card

My online account was hacked in XX/XX/XXXX and the entirety of my Paid Family Leave Benefits ( about {$8000.00} ) were transferred to an outside account that is not mine. I filed a Dispute on XX/XX/XXXX for the transaction. On XX/XX/XXXX, it was denied stating the bank did receive that funds, however that wasn't the basis of my dispute. My dispute was that I did not request this transfer. I filed an appeal on XX/XX/XXXX and submitted supporting documents from my online banking app showing the last four digits of the account and routing number that were entered in my profile as an outside bank. At the time I also requested the transaction ID so that we could obtain the full routing and account number to track down the bank it was sent to. I was also given the option to request documentation as to why the claim was denied in the first place, I requested them and have yet to receive them. My Appeal forms were marked as received on XX/XX/XXXX. I have called in several times since then, with no update until XX/XX/XXXX when I was informed that the date on the forms was changed to XX/XX/XXXX as received and no one has been able to confirm why the date changed. I have escalated this to management who have sent in at least 5 emails to the fraud department requesting updates on the appeal and was told that in 72 hours there would be a response. Still there is no response. XX/XX/XXXX is the 90 day mark since I filed the appeal and I am supposed to have some sort of resolution however today I was told that they are behind and it may not be within the 90 days that my appeal will be processed. I had also requested to speak with a manager of the escalations team, in hopes that they would have more push to get some sort of answer from the fraud department. I was told they have to submit a call back from and I would get a call within 48 hours.. well you guessed it. No call back either. I have no confidence that my dispute or appeal were even looked at nor will this process be done on XX/XX/XXXX. Since the other party is the CA government ( EDD ), I have absolutely no ground to stand on in going that route to get my money back either...
Product: Debt collection

I am a victim of identity theft. I noticed there are fraudulent accounts reporting on my credit report and file on XXXXXX/XX/year>. These are not transactions made by me the consumer. I have reached out to XXXX, XXXX and XXXX on XX/XX/year> and I haven't heard back from them. The fraudulent accounts included are : XXXX XXXX for {$21000.00}, XXXX for {$20000.00} and Portfolio Recovery Associates for {$1500.00}. These fraudulent items are causing me and my reputation severe harm and discrimination therefore they are to be removed and deleted from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

the accuracy of the pay status information being reported on my credit report in connection with my XXXX Credit Card account. The account in question is closed, yet there have been highly unusual changes to the pay status, which I believe are inaccurate and misleading, creditors are required to send periodic billing statements under :15 USC 1637 ( b ), Lack of Proper Notice and Disclosures : The details of the account are as follows and Inconsistent : Account Type : Credit Card Account Holder : XXXX XXXX Status : Closed Issue : Inconsistent and Inaccurate Pay Status Reporting on Closed Account Creditor : XXXX It is highly irregular for the pay status on a closed account to undergo changes after the account has been closed. Once an account is closed, the pay status should remain consistent with the final payment made or the status at the time of closure. However, I have noticed that the pay status on this closed XXXX account has been modified or updated, which is not only unusual but also detrimental to the accuracy of my credit report. 

XXXXnconsistent Pay Status Reporting : The pay status has inexplicably changed on my TransUnion, XXXX, and XXXX credit reports, which does not reflect my actual payment history or account status at the time the account was closed 2. Impact on Creditworthiness : These changes are misleading and negatively affect my creditworthiness by suggesting ongoing or recent issues with an account that was already closed and settled. This inaccurate reporting could adversely impact my ability to obtain credit or other financial services. 

Requested Action : I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate pay status associated with this closed XXXX account. Please provide me with the results of your investigation, including any supporting documentation that was used to verify the information. If the accuracy of the information can not be confirmed, I request that this account 's pay status be updated to reflect its accurate and final status at the time of closure. 

This letter serves as a formal complaint under the Fair Credit Reporting Act ( FCRA ). I expect a prompt and thorough investigation, as well as a timely response within the statutory period allowed under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for no XXXX XXXX anything, these are fraudulent inquries
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not showing that I have any credit all. There is nothing on my Equifax file at all. XXXX and XXXX both have my correct credit files with over a XXXX score. 

Equifax almost kept me from getting my mortgage for my new house and HAS kept me from getting a loan to make some improvements on our new house. 

I have called them multiple times to try and fix this and they have said it is my fault that they do not have my accounts on their file. Anytime I ask to speak to a supervisor I get put on hold being told it will be a few minutes. I ended up being on hold for over an hour and a half and eventually hang up with Noone having ever answered. 

This is not an error or mistake on my end it is definitely the fault of Equifax and needs to be fixed immediately.
Product: Credit card or prepaid card

On around XX/XX/XXXX I went onto the XXXX XXXX website to apply for their platinum credit card. They were offering XXXX bonus miles if you got approved for the card and to spend {$2500.00} in 3 months. Also the annual fee would be would be wavered for the first year. I click on to apply and put in all the information. Several days later Citibank sent me a letter saying that they got my application but I needed to contact the credit agency to unlock the freeze that I had on my account. After unfreezing my account I contact Citibank and they checked out my credit and approved me for the AA platinum credit card. I received the card on XX/XX/XXXX and started using the card right away. In 2 months I spent over {$2500.00}. After 3 months around early XXXX I contacted Citibank because they did not give me the XXXX bonus miles. I talked to an agent and she told me that I had signed up for the wrong card. When I applied that was the only card on the AA site that offered the XXXX mile and still today they still have that offer. The agent said she couldn't help me if I didn't have any proof. I decided to contact Citibank again several days later and talked to another agent. He filed a complaint for me and said I would hear something in 5 to 7 business days. After not hearing from Citibank I called them again for the third time. This agent said I wasn't qualified for the card because I had cancelled an XXXX XXXX credit card in the last 5 years. I told the agent that the find print on the application said you couldn't receive the bonus miles if you had cancelled in the last 12 months. In XXXX of XXXX I had an AA card with Citibank. I contacted them and said I was going to cancel the AA card and was going to get a Costco credit card. The agent told me that Citibank had the Costco card and if I applied I wouldn't have to go through a credit report. I then told the agent to cancel my AA card and to get me the Costco card. He said it would take 5 to 6 weeks for the card to arrive at my house. On XX/XX/XXXX I received the Costco card. I hadn't used the AA card for many months so I knew in XXXX when I talked to the Citibank agent that I didn't owe any money and my account was XXXX. Why would I have spent {$2500.00} on the AA in XXXX and XXXX if I knew that Citibank wasn't going to issue me the bonus miles. Why didn't Citibank tell me that when I was approved for the card??