23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, 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 suppose 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.
Product: Debt collection

Company has repeatedly called my employer, and has given my employer detailed information about this collection. I have called multiple times and told them to cease. They are also calling my parents, and again giving out information about this collection. They call 3-4 times daily. 

This company has also called and pretended to be the credit union the auto loan was originally financed with.
Product: Credit reporting or other personal consumer reports

Transunion downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.
Product: Credit card or prepaid card

Ive called multiple time in regard to my fraud claims in the total amount of {$5500.00} on XX/XX/22. I have not received and communication for this claims for over 30 day. In XXXX I received my statement stating the {$5500.00} was reversed back to my balance without any explanation or how the investigation was conducted. I called back on XX/XX/22 to see why it was reversed, the representative stated it was because I have not completed a form that was sent out there for the claim was closed. I explained to the repersentative that I have not received and form or document in the mail and ask to reopen the claim. The representative also advised me to keep an eye out for the form that will be sent in the mail for them to complete this fraud claim. Ive have called them multiple time in the month of XXXX to check the statues of my claim and the reason by {$5500.00} is not temporary adjusted in order for me to make my monthly payment. No one in the investigation department and give me an answer and now I have late fee and other charges to my account.
Product: Checking or savings account

On XX/XX/2023 my phone was stolen. Unfortunately my phone was not password protected and in the notes section of my phone I have all my bank login info stored. 

I have a checking and savings account with CHIME Bank. Now through chime mobile app you can view your card, add it to XXXX XXXX and etc all while not having the physical card on hand! 

The person who stole my phone proceeded to login to my checking account which is CHIME. They then transferred money out of my savings into my checking account and made multiple transactions totaling alittle over {$800.00}. 

Once the transactions settled I proceeded to dispute the charges which was on XX/XX/2023. 
Chime did two separate disputes for these charges!

All together there were 4 fraudulent charges.On one dispute it was only ONE charge in the amount of {$660.00} while the other dispute was for the remaining 3 fraudulent charges that equaled to {$130.00}. 

Today on XX/XX/2023 I received XXXXwo emails from chime with dispute results! One email stated chime will refund the dispute with the 3 charges for {$130.00} due to them finding an error, the other email stated they WILL NOT refund the other dispute for {$660.00} because NO ERROR OCCURRED Please be mindful all charges are from the same company! If you find an error in XXXX of the charges, why not the other if they were made by the same company? They also didnt send any documents to explain the investigation. 

CHIME IS LETTING FRAUDSTERS STEAL YOUR MONEY AND NOT DOING THE PROPER RIGHT THING TO REFUND YOU! 

I also attached proof of my replacement device being shipped to show I really did lose my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX  and gotten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file is  XXXX . I have requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history because  XXXX  sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of  XXXX  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call with  XXXX  and  XXXX .  XXXX  ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR.  XXXX  is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported by  XXXX  REMOVED AT ONCE!!!!! IN THE VERY PROOF  XXXX  HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS O VEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have received my credit report today XX/XX/year> and I have notice that somethings are incomplete and not accurate, and accordance with the fair Credit Reporting act. Here are the list of the accounts below that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. USC. 1681 section 602 A. States I have the right to privacy 15. USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15. USC 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years.

15. USC. 168 1s -2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : XXXX XXXX Transunion 15 U.S.C. 1681 section 602 A States I have a 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. 
15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( s ) I was told several times by XXXX and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; XXXX, Transunion, XXXX The following damages will be taken to civil court on XXXX XXXX in XXXX XXXX if, monetary relief isn't given for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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.

15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from mycreditreport.
Product: Checking or savings account

2023 XX/XX/XXXX - Opened capital one 360 checking account XX/XX/XXXX i was sent an email that says " when you bank with Capital One 360 checking account your hard-earned money works harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. 

I set up my paycheck to be automatically deposited into my new 360 checking account via direct deposit. 

I am an authorized user on a SECURED Capital One credit card, I have access to my online banking with this secured card However, If so I am not able to link the 2 accounts. 

XX/XX/XXXX : I called to check my balance and confirm that my direct deposit was successful. 

XXXX XXXX XX/XX/XXXX I have made calls to capital one to ask for help with my account and not one employee has been able to help me and XXXX XXXX i was told my account is under investigation and they dont know how long it will take AND IF they feel like they owe me money then a check will be mailed XX/XX/XXXX I was told i need to go to XXXX XX/XX/XXXX i was transferred to fraud department and told to leave voice mail and wait for call back
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit 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 blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

I owe a debt to XXXX XXXX credit card. The debt was sold to an organization called Portfolio Recovery Associates, LLC. I have  been making XXXX dollar payments each two weeks however the organization continues to call me at least two times per week trying to collect the debt. I have received calls from XXXX XXXX XXXX, XXXX ga, XXXX Fl and other unknown locations and it is always the same collection agency. I explain to them I have been making payments and they can stop calling me if I am paying them every two weeks to resolve, but they continue to call. I wrote the customer service dept of this agency and requested they stop calling, still they continue to call. Each time I speak to them the say " yes I see you are making payments, but you have no set payment schedule on file which will stop us calling you. '' I do not feel I should have to put any information on file with them. I do not feel I need to make any type of agreement if I am paying the account. I do not feel I should be called numerous times when I am making payments. This is harassment. I especially feel uncomfortable providing any information with callers from numerous states. I have received callsXXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX in 2017. This is ridiculous please make them stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These inquiries are not mine, and I have no ties to the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan thru XXXX XXXX dba XXXX XXXX. I have called several times regarding reporting to transunion credit company. I have been told not sure when will update. They are short staffed and every reason. I have filed thru Transunion investigation and they did some updates. At start of XX/XX/XXXX started a new one. Last monthly report showing is XX/XX/XXXX. Shows i have a balance on my credit report of {$6200.00}. I have asked them several times to please update. Nothing. I called yesterday and they said my balance is {$4800.00} roughly. I have struggled with credit. I pay a 21 percent intrest on loan i am ahead on my loan by a few hundred dollars. The diffrence in loan amount also ontime payment as well as balance would help my history and credit score. I also in XX/XX/XXXX had an issue due to covid and they marked me 30 days late. I called to see if they would fix that due to pandemic they wont. I paid extra and got ahead right away so i would be current. I am trying to get them to report payments monthly update balancw monthly. Also reaching out to see if the XXXX XXXX 30 day late will be removed due to covid pandemic. I think its insane that now in XX/XX/XXXX nothing thru my credit on auto loan  has changed on credit. Last time change XX/XX/XXXX. This is unacceptable. Again it is XXXX XXXX dba the XXXX in XXXX Massachusetts. I pay thru the XXXX MA location and updated thru them to there main office in XXXX Massachusetts
Product: Debt collection

This debt was consolidated with a XXXX XXXX XXXX. I paid monthly to the XXXX XXXX XXXX for 48 months. The XXXX XXXX XXXX had a settlement monthly for XXXX  months, which was settled in XX/XX/2023. I received first a phone call from Dynamic Recovery Solutions saying that XXXX XXXX had turned my account over to them. They are attempting to get more money than what agreed to with XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

I checked my XXXX XXXX about a month ago and saw that i had a $ XXXX XXXX bill that said it was closed. I've never had service with XXXX ever in my life ... i attempted to call them on multiple occasions and they just hang up on me. I also have a police report. The XXXX XXXX police department told me they can't give me a physical copy but a case number and to call for any questions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX BALANCED {$1600.00} XXXX XXXX  BALANCED {$700.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} DEPT OF EDUCATION/XXXX  XXXX XXXX {$3800.00}
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXX ... .closed an account and opened a newone without knowledge
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I checked my credit report, I see inaccurate and unauthorized changes and information on my credit Account name : XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX 
This does not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( The following personal information is incorrect. The personal data reporting is inaccurate. )
Product: Credit reporting or other personal consumer reports

After having signed up with Experianidworks.com for credit freeze ( offered by Experian for free in view of recent data breech ), I found it very hard to remove such freeze. There is no information regarding it online on my membership page, so I called and spent a long time on the phone with the agent, however, they were not able to remove the freeze. Then they gave me another number - that of XXXX. XXXX was able to resolve the credit freeze on their end, but I have not been able to get a hold of any live agent from Experian. Their automated system can not resolve my issue, and they don't have an option for live rep. I find it a violation of my consumer right to cancel a service when I no longer need it.
Product: Credit reporting or other personal consumer reports

Experian, XXXX have inquiries i dont recognize or authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal has a very confusing dispute resolution process that invites user error and breakage into resolving transactions through their service. I used PayPal to purchase a subscription service. I only used my PayPal account as the point of sale administrator and used my credit card, linked to the PayPal account, for the funds. I ended up not needing the subscription and received a refund from the merchant. However, there were 2 transactions. One for {$170.00} and one for {$49.00}. The merchant refunded the {$170.00} transaction but did not remember to refund the {$49.00} transaction. I then opened a dispute with PayPal for them to resolve this situation. I then received emails stating that my dispute will close on a certain date as the merchant has not responded. This made me think that i would be refunded. I even called into the IVR, as I could not reach a call center rep, and it stated that if the merchant does not respond that the dispute will be closed. The date came around and I received a message stating that the dispute had been closed and could not be re-opened, yet there was no refund on my PayPal account. I called customer service at PayPal and, after 40min in queue, I reached a rep that stated that I ( the customer ) am supposed to call into PayPal and re-escalate the dispute to a claim when the merchant does not respond. I said I tried all of that prior to opening the dispute. They explained that it was the customer 's responsibility to open a dispute, work with the merchant, then call PayPal to escalate it to a claim. This is confusing and seems to try to get PayPal off the hook to handle these disputes. It also keeps the customer misinformed about the dispute/claim process so once they do try to get an update on progress, it may be too late. I've worked for many financial institutions where these types of practices would be examined by regulators. I would be embarrassed by this process. Wanted to pass along my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.
Product: Checking or savings account

Unauthorized XXXX Transactions I notice two XXXX  transaction Posted on my checking account for {$1000.00} and {$800.00} and also a request for {$1.00}.