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

Chime allowed unauthorized transactions on my account and refused to refund me even though I'm covered for unauthorized transactions according to the chime agent. Chime agent closed the account due to unauthorized transactions and told me I would receive my funds back through the mail. I later received an email stating chime will not return my funds back to me.
Product: Credit card

I asked Capital One for a hold on a {$56.00} dollar payment for ink cartridges. Directly after I purchased new printer with ink for that printer. My card showed fraudulent spending. I called to find I could not have any info until I sent them picture of license, and XXXX other documents that proved I am who I said I am. I told them they have my phone number, SS #, and other info and I was not going to upload all they requested. I fought with them for a week to finally get them to close my card after payoff of All expenses. After the payoff they did a hard inquiry and dropped my credit XXXX points.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with a representative at XXXX to remove negative items on the report due to inaccurate and unauthorized inquires that continually show in the report. 
Also requesting rep to correct misspelling of my name and unknown addresses on the report to report 100 % accurate and truth. 
The representative ensured that the information would be removed and I would be given an update. 
# XXXX XXXX  call on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have some Fruad inquiries on my Equifax report I have listed the inquiries below. 


XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX  XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have contacted this company several times to obtain a verification of debt. They have not verified. They also keep re-aging the debt to appear as though the debt is a new debt.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Mortgage

In XXXX, My husband and I divorced. I deeded the home over to him. The mortgage remained in my name. I was XXXX. He passed away in XXXX. I was released in XX/XX/XXXX. Somehow, I was never notified of any communications, refinances, loan modifications. A loan modification was granted to the Estate of XXXX XXXX XXXX, I was never notified, I was still on the mortgage. My signature was repeatedly forged. Since then, the house has been deeded back in my name I am the sole owner, however the mortgage company refuses to acknowledge me. They have since sold the mortgage. I have not received any communications from XXXX XXXX in 3 years, now Shellpoint owes the mortgage and XXXX is addressing the Estate. - The ownership of this home is in question and the legality of a loan modification and refinancing from XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to get access to my account with Coinbase for 3 months. I have an account tied to a student email address at a school which I no longer attend and I can not get access to said coinbase account, as I no longer have access to this email address. I still have the username, password, and the 2 step authentication still comes to my phone - but I can not verify the account via the email address. I have talked to coinbase numerous times, and they are never helpful. They actual told me that everytime I call of email, my request actually goes back to the back of the line. They say the best way to resolve this issue is to stop calling and wait. I originally contacted them in early XX/XX/XXXX, and I contacted them roughly 10 times between then and XX/XX/XXXX. I stopped calling them at this point in hopes that they would give me access to my account so I can withdraw my funds. They have done nothing. I need someone to help me gain access to my money, as coinbase is doing absolutely nothing to help me.
Product: Debt collection

I received an email from the company regarding the debt on XX/XX/year>. They have repeatedly called daily since that date multiple times throughout the day. I did not have any written agreement with the third party nor give them any of my personal information. I have not given any prior consent directly to the debt collector or the express permission of a court of competent jurisdiction. Please verify that the information reported is 100 % accurate and that you can fully verify it? Otherwise will you delete the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian decreased my FICO for no reason. My accounts so paid as agreed. I paid off an account but replaced it with a new account so points would not be deducted monthly for lack of accounts. They decreased my score from Good to Fair for no reason. It is impacting my ability to get better employment. I am injured because of their deceptive practices.
Product: Debt collection

inaccurate info equifax and people credit, XXXX violates my hippa cra rights please remove them asap
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report and it made me really upset that the 3 reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX XXXX Account that starts with XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX XXXX Account that starts with XXXX. Additionally, this account for all XXXX agencies says this account is closed and should no longer be on my report. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the 3 agencies?

I have attached a copy of this account on my credit report for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried online and had to sign up for account the said they would send by XXXX mail account login info
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXXSEE ATTACHED DOC* To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have un authorized inquires on my credit report I have an ftc report attached '
Product: Debt collection

I was on XXXX  XXXX  when I lived in the apartment complex I lived in and when I was moving out I used them to legally break my contract. I thought that was the end of everything until I saw that I had a collection on my account from pro collect but never received a letter or anything from them. I called them and they said my only option was to pay everything in full and didnt give me any options or help when it came to working around it seeing it a wrongful debt.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX Account ID : XXXX
Product: Credit card

I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$15000.00}
Product: Student loan

OnXX/XX/2021 i sent a dispute letter To FEDLOAN to verify the late payments on my credit report. Till this day, its been over 30 days and you failed to respond. Those late payments are unverified, please remove the late payments and update to pay as agreed on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting paperwork to the bureaus regarding fraudulent account and information on my credit report with little success. I am asking that you please remove the fraudulent accounts!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged into my XXXX XXXX account and started looking through my credit reports from the different sources. Both XXXX and XXXX, just to discover unverified and unauthorized inquiries on my credit report. I called the customer service number for both providers trying to get information on where that bank is located and the subject of which caused the inquiry. The only 2 inquires I recognize is from the XXXX XXXX XXXX ( XX/XX/XXXX ) AND XXXX XXXX ( XX/XX/XXXX ) used for my XXXX XXXX account. Please take action on this fraudulent matter because every other inquiry on this account was and is a hundred percent unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my Experian report received today. The fraudulent entry appears on my XXXX report with varying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ) XXXX XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ). ( XXXX ) XXXX ( XXXX ) XXXX < -- ( WRONG PHONE NUMBER ). XXXX XXXX XXXX WRONG NAME ). XXXX XXXX XXXX XXXX Closed. {$9600.00} written off. 
XX/XX/XXXX. 
XXXX XXXX XXXX Account charged off. {$3900.00} written off. 
XX/XX/XXXX < -- - Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. FTC violation. They are also in violation of over the 45 days to settle the FTC violation by law. XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX < -- FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report.
Product: Prepaid card

I paid for a hotel stay, including a {$71.00} deposit on XX/XX/year>. The hotel released the hold and credited the funds back to me on XX/XX/year>. Cash app never released those funds back to me. I reached out to an advocate and was told if I provided the folio from the hotel with a zero ( XXXX ) balance, they would credit my account. I supplied them with the folio and they are still refusing to give me my money back. On another incident, I placed an online order with XXXX for the amount of {$120.00}. The order was cancelled as the item wasnt available. XXXX says they have credited my account but cash app still has a hold on my funds and will not release them. This is {$200.00} of my money that they are holding for no reason.
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 tak timely and effective measures to prevent an 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.
Product: Debt collection

The compies have bought the debt that I origanally owed. Since they bought the debt it now belongs to them. I have written to all companies, and they still report that I owe them and have increased the amount. All accounts that are not original should be delteted from my credit report immediately.