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

n 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 hand written instructions
Product: Checking or savings account

Chime has suspending my account for no reason and is holding money hostage. I have reached out multiple times and the agents are no help. After receiving an email saying I needed to sending documentation from XXXX XXXX, I was told that was an automated email. Today I've spoken to XXXX agents including one named XXXX. They just keep transferred from department to department. I've been sitting on hold for at least XXXX hours day. XXXX refuses to help me. XXXX has no idea of the corporate address or the CEO of Chime. I am reaching out to my attorney on Monday morning. At this point, I just want the money that was supposed to already be transferred into my new XXXX XXXX account. 

Where is my money that Chime is holding hostage?
Product: Vehicle loan or lease

This is an old one and I have no expectations, I just want to clarify that Wells Fargo has been abusing their customers for decades. In 1999 my husband and I bought a motorhome for a work/live situation as his job required travel. Shortly after the purchase he was injured at work which resulted in a XXXX XXXXXXXX. We had purchased XXXX insurance on the loan and they paid the note directly to Wells Fargo but, after the final payment on the loan was made, Wells Fargo declared the note " charged off '' instead of " paid off, '' we tried to get this corrected but to no avail, being told that Wells Fargo could do as it pleases and we'd simply have to live with it. From that moment on we couldn't get a loan for so much a box of cereal, it affected us right up until my husband died of his XXXX, and occasionally pops up on my credit reports to this day.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against XXXX and TransUnion for their failure to accurately report information related to my account with XXXXXXXX XXXX XXXXXXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : TransUnion reports the date opened as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : XXXX reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while TransUnion fails to provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : TransUnion reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : TransUnion reports the high credit as {$4100.00}, while XXXX incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both TransUnion and XXXX, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, and I have been a loyal PayPal user for over 10 years. Recently, my PayPal account was locked due to suspicious activity. I complied with all requests, submitting my photo ID and credit card statement for verification. After the review, my account was permanently locked, and I am now unable to withdraw my {$420.00}, nor can I send or receive payments. 

The flagged activity stems from family members sending me funds after I provided them with cash. These family members are listed in my contacts, and this transaction was legitimate and not suspicious in any way. 

I am formally requesting the immediate unlocking of my PayPal account and access to my funds. If this matter is not resolved promptly, I will be reporting this issue to the appropriate government authorities, as this action by PayPal has caused significant inconvenience and financial hardship. 

Please investigate this matter urgently and provide a resolution. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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.
Product: Credit reporting

on XXXX/XXXX/2017, I received a credit inquiry alert from Experian for the following credit inquiry : XXXX XXXX, the credit inquiry is fraudulent and unauthorized.
Product: Debt collection

This is not my debt. I have no knowledge of this debt at all. I am not sure why they are trying to collect money from me.
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 violated the Consumer Financial Protection Act ( CFPA ). In more detail, Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process had been 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 immense inconvenience and financial loss, and I seek appropriate redress for every last violation.
Product: Vehicle loan or lease

Dear Supervisor, The loan has been transferred to three different companies known as Manor Resources , LLC. and or XXXX XXXX. Three different addresses starting in XX/XX/2018. No more access to online account possible. Unknown if the payments have been credited properly to the account for the last five months. 
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX They are indeed very hard to locate since the transfers started in XX/XX/2018. Please have them send a complete payment history and provide access to the Internet. Please investigate the high interest rate of 24 %. Very concerned abut this situation!
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Product: Checking or savings account

I opened a Navy Federal Account in XXXX TX off XXXX XXXX related to personal identifying information XXXX XXXX XXXX XXXX and XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX presented a Fraud Marriage Document related to XXXX XXXX XXXX XXXX TX. and Filed illegal Powers Of Attorneys where acting power XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had my passport book committed Veterans Affairs fraud by stealing my Veterans compensation check over XXXX a month as well as a spouse XXXX and child of XXXX for each. I played no part in this and this is Bank Fraud this was on the bank i asked for the disclosures from the bank to be mailed to XXXX XXXX XXXX XXXX XXXX Tx XXXX all will be disclosed in the Taxes to my undisclosed sources the round bout figures where my net worth is XXXX XXXX dollars and they stole {$650000.00} by transfering to bank cards relating to my social and unprotected name now at the comptrollers office in TX. but i first recognized the payments in XXXX or XXXX in XXXX XXXX. but i opened it in XXXX XX/XX/2021 when i ask the bank close my account in TX it was never closed because of the powers of attorney she had over me acting fraudulently as a spouse worlds dumbest criminal they tripped the FBI by amount they stole but failed to make the most wanted list all this was Bank Fraud in TX and California as well XXXX has a property at XXXX XXXX XXXX XXXX and another down XXXX XXXX which XXXX moved out of please investigate please XXXX mail any findings for my mobile is down or a investigators number to contact for i have cyber stalking to properly keeping me from reporting the full events please take this as a formal report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/23 to experian. To remove personal Information that I don't want on my credit report. According to the F.C.R.A. 15 USC 1681 I have the right to privacy. According to F.C.R.A.15 USC 6802 NO financial institution is not allowed to share my personal Information to third party people. These are clear violations of my federally protected rights. I want my rights to be upheld.
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan in the amount of XXXX Dollars from Money Lion app account # XXXX. the loan type or name is XXXX XXXX  XXXX XXXX. It was setup for automatic payment withdrawal from my bank account. The app would withdraw the payment installment for the loan and {$9.00} per payday for the membership. 

The loan payment withdrawal stopped sometime this year by XX/XX/year> or before. 
The Money lion continues to withdraw money from my account for the membership in the amount of {$9.00} twice a month. 

I logged in to the app, The app shows zero outstanding balance for the loan amount. The button to make payment is grayed out already. For some reason, The Money Lion app reported a 30 day late payment and a XXXX late payment to the credit bureau. 

I have had loans in the past and paid them all off. Now, this one is an issue and it hurt my credit report and adverse affect. 

Money Lion is inaccurately reporting this account to the credit bureau. 

I want them to correct this immediately, as well as refund the membership fees. I need money lion to immediately remove inaccurate late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Biltmore has supplied erroneous information to an unidentified client of theirs. Biltmore is a collection agency operating under the premise of an employment verification company. In another complaint filed with the consumer financial Biltmore has admitted to supplying information to a client that they has not fully been vetted as accurate information. As a victim of identify theft this will further harm my identity and credit worthiness. Biltmore is acting outside of the laws of FCRA by reporting wrong information or information that has not been properly verified
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was trying to rent an RV on the website RVShare. I originally found an RV but the owner had put in the description that I had to contact them on XXXX before booking to see if my dates were available. I contacted the owner 's XXXX number XXXX. The person XXXX XXXX aka XXXX XXXX wrote that the RV I wanted was not available. XXXX suggested some other RV 's that were available. XXXX wrote that if I booked that night they could give me a discount. I wrote OK. They sent me a link to start the process. I opened the link. It looked like the XXXX site but now I realize that it was fake. When I tried to pay for the booking on that site my bank debit card was declined. I informed XXXX of the problem. XXXX states that I could use XXXX. I told XXXX that I don't have XXXX. XXXX suggested that I use XXXX or XXXX. I said I could try to use XXXX. XXXX stated that XXXX was going to charge too high of a fee and I should get the XXXX app and do it that way. XXXX gave me the email XXXX to send the money to by XXXX. I obtained a XXXX account through my checking account at Chase Bank. I sent the money in 3 payments. After the first 2 payments ( {$2000.00} and {$120.00} ) were made, I received an agreement to sign from the email XXXX. The agreement stated that I need to send {$1000.00} to purchase insurance for the RV. I eventually sent the {$1000.00} by XXXX to XXXX. XXXX stated that she was wrong and the correct email for the insurance payment should be XXXX. XXXX suggested that I have the bank cancel the previous {$1000.00} payment and I send he {$1000.00} to the correct email by XXXX. I told XXXX that the bank has already sent that money and I could not cancel it. At this point, XXXX has told me they are trying to sort it out. I have not received the agreement back with their signature. I am now convinced that this is a fraud. I found the business address XXXX XXXX XXXX, XXXX, CT XXXX on XXXX. It is a vacant house for sale on XXXX. 
I also called the # ( XXXX ) XXXX on XX/XX/2022 at XXXXXXXX XXXX and a person with a deep voice answered. I asked who he was and he answer " you called me ''. I told him I was looking for XXXX XXXX  to rent an RV. He told me to contact him on XXXX. I asked him if he was XXXX. He said yes. It appears that these scammers have several RV listed on the RVshare website with the same instructions to get in contact with them by XXXX or Text before booking. ( Same # XXXX and use the name XXXX XXXX XXXX I have copies of the emails, the XXXX chats, the agreement, bank receipts that I can forward to you. I have been in touch with RVshare and they said there was nothing they could do. I have been in touch with my bank which is Chase and they have informed me that there is nothing they can do and the matter is considered resolved. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX
Product: Bank account or service

I called JP Morgan Chase on XX/XX/2017 asking to look into some weird spending activity at an ATM. The amount of {$82.00} was withdrawn 4 times, on a day I know I did not go to an ATM, and I would never withdraw the same amount 4 times. After looking into it with an agent, spending a long time on the phone, and probably recorded, she reported that that Non Chase ATM was in a location I could not have been at. So I began to look into other Non Chase ATM withdrawals I could not see the location of and discovered, while on the phone with her, that I had a total of over {$1100.00} fraudulent Non Chase ATM withdrawals. A clone card was made and somehow they were making withdrawals ( boggles my mind ). There were XXXX in total, ranging from XX/XX/2017 to XX/XX/2017 I reported the claim the very next day, or maybe even same day on XX/XX/2017, with a form I have a copy of. I was forwarded the amount taken fraudulently out of my account. Then on XX/XX/2017 I was sent notice from Chase, saying that my claims were not valid and the money was taken back out of my account. I called the claims line and was told, not because the claim and fraud was n't true, but because I had checked my account at a time earlier and had not reported the fraud ( that I did not see ) tat I was at fault. I had not reported it because I did not know it was fraudulent because the description only says " Non Chase ATM withdrawal ''. I make a lot of Non Chase ATM withdrawals, and may have only been checking for a particular transaction, not noticing the fraud. I actually only realized and became aware of the fraud on the phone with the agent, and if the call was taped there is proof of that, on the call. After I found out one withdrawal was at one location, I had her check another and another. Remember this is only a matter of 7 days from beginning activity to reporting it. When I called I was told that I could not appeal and that Chase could not be responsible because I had checked my account. I told them I did not realize there had been fraudulent activity till I called in. I have been told this a violation of Reg E ( 1005.6 ), the Electronic Funds Transfer Act, which limits liability to consumer if you report it within 2 days of **learning of the fraud**. In other words, not since it happened. As I said the " Learning '' happened while I was on the phone to them, and it is on tape. Quite obviously the fraud is true, the money was taken out of my account, and I did not know about it till I was on the phone to Chase. Why am I being penalized? Is there anything you can do to help, or anyone I can talk to?