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

I'm a victim of Identity Theft and I reported that to Chime. Sent the Identity Theft Report and also sent the police report I file a dispute on the transaction that I didn't do in which I couldn't because my card was stolen with other very important items as well. Chime claim that it wasn't any error from the dispute of XXXX. It put an negative on my account then on XX/XX/2021. I received an deposit from IRS Child Tax Credit which was sent to Chime by mistake. After that my account was suppose to be closed on XX/XX/2021. Chime was wrong very rude and took from me and my children
Product: Checking or savings account

On around XXXX XXXX, I encountered issues related to unauthorized electronic fund transfers in my Venmo account, which I believe constitute violations of the EFTA. The specifics of the incidents are as follows : 1. Unauthorized Transactions : o On XXXX XX/XX/scrub>XXXX XXXX, several transactions with a total amount of {$590.00} was made from my account without my authorization. These transactions were neither initiated nor approved by me.

2. Failure to Investigate : o Upon discovering the unauthorized transaction ( s ), I promptly notified Venmo on around XXXX XXXX XXXX through email, phone, and chat. However, Venmo failed to conduct a timely and adequate investigation into the matter as required by EFTA and Regulation E. 
3. Failure to Provide Provisional Credit : o During the investigation period, Venmo did not provide provisional credit for the amounts in dispute within the timeframe specified under EFTA. 
4. Lack of Transparency and Communication : o Despite my repeated attempts to seek clarification and resolution, Venmo 's customer service failed to provide clear and consistent information regarding the status of the investigation and the steps being taken to rectify the issue.
Product: Debt collection

I received a phone call from a company called XXXX XX/XX/XXXX read the message and ignored it. Then received another XX/XX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX Bank, this happened sometime in XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX XXXX XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you
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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After reviewing my consumer report i noticed discrepancies on all three credit bureaus regarding XXXX XXXX. According to the FCRA Consumer reporting must be fair an accurate across all consumer bureaus. I've disputed this inaccurate alleged debt, TransUnion has failed to meet my demands by dispute and this has harmed my reputation and I demand remedy. XXXX XXXX has also failed to validate this alleged debt which is a violation of the FCRA and i demand deletion immediately.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX have never been address of mine. This information is not accurate. 

( XXXX ) XXXX and ( XXXX ) XXXX have never been phone numbers affiliated with me or owned by me.
Product: Debt collection

Received a notice from a company ( XXXX XXXX ) representing a Collection Agency, a 3rd Party company apparently. I responded to the Law company in the 30 days as referenced and My letter returned " address unknown '' sent to the address listed on the letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXXXXXX XXXX past due negative mark needs to be removed from my credit score ASAP.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXXXXXX XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX, XXXX, and XX/XX/XXXX. 

I never gave XXXX XXXX XXXX XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not appropriately investigate a falsely reported collections account from XXXX XXXX. I do not owe any balance to the original creditor. I asked TransUnion to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the TransUnion dispute process online. In addition, I have called TransUnion to inquire about the investigation. I was told by the TransUnion representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the TransUnion representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.
Product: Debt collection

In XXXX, I was part of a theatrical production company called XXXX XXXX XXXX. We used XXXX to set up our website. For XXXX years, I have not been involved with XXXX XXXX XXXX. XXXX XXXX XXXX is still in existence but they do not use XXXX. I have been billed XXXX for an annual renewal ( what they say is an automatic renewal ) ; I have explained to XXXX as well as XXXX XXXX the credit card company ) that, since I no longer want/need XXXX services, this charge should be null and void. XXXX claims that, since it 's not a fraudulent charge, they can do nothing about it. I never said it was fraudulent ; it is simply a charge for a service from which I legally removed myself and needs to be cancelled. Efforts to clear this up with the credit card company and XXXX have brought zero results. I am XXXX XXXX XXXX ; I do not want or need this aggravation. I want to pay my XXXX XXXX but, since I will not pay the XXXX to XXXX, I know it will be an on-going problem with interest charges being compounded by XXXX. I am hoping you can intercede before I go to the media and my congresswoman. Thanks you. 
P.S. I have an email from XXXX advising that " Your Subscription has been Cancelled ''.
Product: Checking or savings account

XX/XX/XXXX bank was called and a higher up was notified about my debit card getting cancelled many many times. Fraud and dispute are doing this. Senior person of dispute recorded me without permission and knowing until I ask. She kept asking what what??? It was not cool to be recordedXXXX went into 2 banks and noone at XXXX XXXXXXXX XXXX XXXX XXXX could not help. XXXX from back support said someone wanted to talk Monday to me but no calls to my phone on Monday. I called the bank and we did not work out a resolution. I guess its their way or no way!!!!!!! I have been a member for a very long time. This is nonsense getting my Card canceled many times and others blocking my card.. On XX/XX/XXXX talked to an acting supervisor and he had me write my concerns down on paper with me attaching some mail I received about old and new accounts at XXXX XXXX XXXX XXXX not have an old account anymore. Dispute suggested when I was scammed in XXXX, I open a new account with new card. This senior person I talked to today just wants Information and was not helpful.. Thanks.. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my XXXX credit report there appears a debt account in a state of delinquency, presented by your company which was paid to the creditor that the company assigned, please request that the error in my credit report be corrected, below in the Attached files I send you the account information settled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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 15 U.S.C 1681c. ( 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 crimes which antedates the report 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CALIBER, XXXX XXXX, and  XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CALIBER, XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft report has been attached for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Date XXXX XXXX Amount XXXX $ I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 -48 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/XXXX at about XXXXXXXX XXXX I went to XXXX on XXXX XXXX and attempted to withdraw {$400.00} using my Truist atm card at the XXXX terminal. The machine did not dispense but my account was debited. I immediately called Truist to inform them of my situation in which they gave me a provisional credit. On XX/XX/XXXX I received a letter from Truist that they investigated and the credit will be taken back from me. So I tried to call XXXX but they wont help me because its not their card. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX that a collections account was added to my credit report. When I looked at my credit report, I found that it was from a medical office. I never received any correspondence or phone call from the medical office or the collections agency that this bill existed. My credit is ( was ) perfect and I always pay my bills on time, so I was shocked when this showed up. 
I reviewed and followed the procedures on the CFPB web site and sent ( via certified mail ) a debt verification letter to the collections agency asking them for a debt validation letter. I waited 30 days past the date the letter was delivered after never receiving a response. 
I then proceeded to send all 3 credit bureaus a copy of the debt verification letter, a statement about what occurred ( that I was never contacted ), and under the Fair Debt Collection Practices Act, requested that they remove the collection account from my report. 
I called Equifax on XX/XX/XXXX asking if they received my letter. They had not, but said I could upload my documents to their web site and initiate a dispute. I told them I did not want to initiate a dispute, but wanted the collection removed from my report because I went through all of the proper steps according to the CFPB. They said they need to initiate their own dispute no matter what my letter says and reach out to the creditor to verify it themselves because they couldn't trust what I did. I told them I do not want that. 
Meanwhile, XXXX removed the collection from my account, no problem. I know Equifax is not following the proper procedures for this situation and I did what I needed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one did not disclose that they will be needing the original title had they disclosed that I would not have opted in to getting my credit pulled.
Product: Credit card or prepaid card

Today XX/XX/XXXX i got a statement form us bank they are charging the interest even i pay the full amount of purchase plus the minimum payment they still charging me almost XXXX dollars interest. i speak to customer agent XXXX she said even i pay the full amount of purchase plus minimum payment at XX/XX/XXXX they still charging me interest that is not reasonable.
Product: Credit card

Throughout the history of this account, I've consistently made sure payments are timely, avoiding any overdue instances. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Payday loan, title loan, or personal loan

I signed up for a loan/lease with Acima in order to pay for an XXXX XXXX XXXX XXXX. And I pay off the loan incrementally after Ive had the item delivered to me. I did this back in XX/XX/2022. Sometime late XXXX. And I was expecting my item at some point while paying off my loan. Its now XX/XX/2022 and I have yet to receive my item and basically am never gon na receive it even though acima is still trying to charge me for the lease/loan. Ive called them repeatedly asking to get the account closed because at this point Im not receiving the item and Im over it. They keep skating by me. Theyve told me to file a police report for my account because that's the " only '' way they can terminate the lease. I filed the police report online and the police didn't accept it. And when I went to the police station to file it in person, the police wouldnt even let me file the report because they thought filing a report was unnecessary. They believed no criminal offense was made, they told me sounds like you just got into bad business. And Ive called acima back asking them to close the account and yet they still wont let me because they need the police report, which I know isnt true. They dont actually need the police report, they can close my account without it. They just dont want to close the account. I've been holding up my end of the bargain in this process. Taking time out of my day to do these police reports and finding some ways to get the account closed and acima isn't holding up their end. I couldnt care less about getting the money back from them. I just want the account closed and this lease/loan off my credit report but acima practically wont let me do that. This is genuinely a bad company who doesnt care about what their customers want, even if theyve been basically scammed. I never got my product despite paying the lease/loan, now I just want the account terminated and this loan off my credit report. Thats all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.
Product: Student loan

On XX/XX/year>, a notice of liability and request for explanation was sent to the company regarding alleged unauthorized communications linked to an estate. The company did not respond. On XX/XX/year>, a notice of fault was sent providing a 10-day opportunity to cure by XX/XX/year> by providing the requested information, but the company still did not respond. On XX/XX/year>, a final notice of default and dishonor was sent stating the company 's continuous failure to address the issues raised has caused substantial damages, fees and costs to be incurred by the estate. No specific amounts were provided.
Product: Debt collection

I settled the debt and keep call me and it on collect that I didnt not paid it, it was paid in full. they agreement to settled with me
Product: Vehicle loan or lease

The loan was pain in full XX/XX/2022. I still have not received my overpayment.