23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a request for Experian and XXXX XXXX to provide me with proof of their 'investigation technique ' and source of the erroneous information being reported on my credit report on XX/XX/year>. I again sent a follow up letter on XX/XX/year> for an update. I have yet to receive a response from Experian about my request. Today is XX/XX/year> and Experian and XXXX XXXX have not responded. This timeframe exceeds the XXXX investigation period allowed under the FCRA. Please see attached letters which provide content and dates sent. The items being disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I contacted chime at XXXX. A male voice stated " thank for calling chime, how can I help you ''? I stated " I would like to discuss my direct deposit because I don't see and employer verified it was deposited to my account. '' The male who presented himself as Chime customer support agent stated. " Can I have your first, last name and last XXXX digits of your social security. '' I provided the information. He said " is it OK if I place you hold? '' I said " that's fine. '' I was placed on hold, when male returned he stated " oh, I see the problem your not connected to the server. '' He then stated " I'm going to have to go into goggle play store so I can reconnect you to the server, then you'll have full access again. '' I followed his directions, next thing I know I could see a cursor moving around, then I saw him typing in email addresses. When I said " why are you doing that He hung up on me. I went back to my recent call log to redial chime It provided me with XXXX XXXX XXXX XXXX and the chime number was gone. I had someone else to dial chime and I reported what happen. I was informed that my account was hacked and someone took control of my phone. I was informed I would get an provisional credit on XX/XX/2023. Something told me to call chime, due dispute stauts was now missing from chime app. I was told my claim was denied in less than 24 hours. I've filed 2-3 rebuttals, I provided a written statement, the email addresses that showed where the money went, a police report number, police officer name and badge number. A screen shot of the chime app page showing the email addresses. With each claim a decision was made in less than 24 hours. After speaking with 2 separate dispute supervisor 's who informed me that it was definitely fraudulent what took place. They assured me I would have my money returned. However, my claim continues to be denied.
Product: Vehicle loan or lease

The company that I am having problems with is XXXX XXXX. Address XXXX XXXX XXXX XXXX TN XXXX. Phone number is XXXX Since I am out of work because of the Coronavirus I havent been able to make the payments. My Payments are due every two weeks and and I was told two weeks ago by a manager named Ms XXXX that if I made the current payment they would be able to help me with the payments going forward because of the virus. My mother made a payment for me. I had two miss calls from XXXX XXXX yesterday and every time I called back the phone would hang up. I called back today and talk to a representative that had to call me back and told me that her Manager told her that I would need to make another payment and they could extend the payments for 30 Days. That not what I was told, and Im not working because of the virus. Im not sure who else they are doing this too, but its not our fault that we are out of work. I have filed for unemployment and I havent received anything yet as I told the first manager. This is something that is happening world wide, they shouldnt be able to handle Business like this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) : # XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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.
Product: Credit card or prepaid card

On XX/XX/2021, my Citi credit card account is closed. 

I was scammed to purchase of {$4300.00} worth of goods. The scammer provided a bank account to pay for this charge. Citi credit card put this charge on their APP statement as paid right next day after I provided the bank account, which misled me that the money has been withdrawn from the bank account. I sent the purchased products out the next day using the label provided by the scammer, which I can't get them back. 
Citi credit card informed me the {$4300.00} charge be returned via my email 4 days later. 
Before I received the email, I have called Citi card multiple times about the payment and always got answers that the payment was fine. 
Citi credit card 's unclear and confused statement resulted in this loss. 
I have filed a police report on XX/XX/2021 and the case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I dont remember the dates but I always was told someone would contact me but never did Lexington law firm charged me XXXX for over a year
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CITIZENS BANK NA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT. 
CAPITAL ONE/WALMART XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : ( ), which is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my TransUnion credit report and I noticed some late payments on my credit report. 

Original Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) 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 as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report in the next 15 days, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. And incorrect information is showing on my credit report. The fraudulent account from XXXX XXXX XXXX is still on my credit file in the amount of {$850.00}.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX, XXXX {$8300.00} Closed FCRA Violation : other loan not mine XXXX XXXX XXXX {$1200.00} XXXX XXXX {$670.00} FCRA Violation : hardenquiries not mine XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$780.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} XXXX XXXX  XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  XXXX Reported : XXXX XXXX XXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian under Section 609 FCRA with regard to erroneous information being reported on my credit bureau by XXXX XXXX. In fact I am attaching two screen shots showing I opened my SECOND dispute under Section 609 FCRA with Experian on XX/XX/2021 on Sunday evening at roughly XXXX XXXX. and by Monday, XX/XX/2021 at roughly XXXX XXXX. the dispute came back from Experian as verified and accurate. I am also attaching to this complaint against Experian the notice submitted Via Certified Mail Return Receipt Requested DEMANDING Experian REQUIRE the alleged creditor XXXX XXXX to comply with Section 609 FCRA which provides for a creditor to provide specific information including but not limited to authorization to pull my credit report, the time and date I authorized the credit report to be accessed or pulled, copies of contracts or agreements related to the debt, specifically contracts or agreements bearing my name and the creditor XXXX XXXX. I have attached my notice to Experian under Section 609 FCRA to the complaint I am submitting herewith to the CFPB. Based upon the foregoing it would be impossible for Experian to have required XXXX XXXX to comply with Section 609 FCRA since only 10 hours had expired between the time of the filing of the dispute and the response of Experian with regard to the dispute under Section 609 FCRA. I did not receive any of the required items from XXXX XXXX with regard to my dispute under Section 609 FCRA. 

As of the submission of this complaint, Experian has failed to comply with Section 609 FCRA and continues to VIOLATE the FCRA, specifically Section 609 FCRA. XXXX XXXX has reported 3 erroneous reports to my credit file that are not mine, Experian is equally as guilty for failing to make the alleged creditor comply with Section 609 FCRA, furthermore Experian is not complying with Section 609 FCRA by allowing erroneous information to be reported by XXXX XXXX and not requiring XXXX XXXX to comply with Section 609 FCRA. To be clear, I have received nothing from XXXX XXXX or Experian during my 90 days of disputes outside of an entry verifying the information with Experian. These actions violate the FCRA, specifically Section 609 FCRA.
Product: Money transfer, virtual currency, or money service

I received a charge back on purchase a Customer had made.. without explanation. They debited this amount from my account, sent it back to the customer who had already received his product. and then locked my account until I paid them another {$200.00} to regain access. In order to pay this balance I was forced to make a second venmo account. I immediately contacted customer service and asked. them to use the balance that I just put in a new account to cover the overdraft and then to delete the extraneous one as it had served its purpose.. Several weeks go by. and I have continuous problems getting. money off of the platform. Their promise that I can move my money to my bank account Not realized. Can't send money to paypal. Can't send money to personal wallets. Can't send money to my bank account. It's trapped inside of Venmo and then they lock my account. Froze it permanently. They told me that they can not give me an explanation why and that they may or may not give me back all or some of my money in 180 days, but that i will never be allowed to use the venmo service again ... as if Id continue after this. 

this has caused extreme hardship for my family as my wife was XXXX  from her job because she ran out of gas on the way to work. we couldnt pay the power bill and lost an entire refrigerator and freezer full of food ... and then couldnt buy more. 

Twice Venmo took the word of the customer at face value and without consulting me removed money from my account and gave it to the customer .... and then expected me to pay it back... so now im out double the money and the item that was sold and delivered. and then to add insult to injury... they stole the rest of my money and crypto and locked me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Fico score it has 6 late payments 30+ days and I am not behind on those payments. When I called Equafax they said they can only assist with my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing on my own behalf to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following inquiries/charges listed on my credit report. I reported the theft of identity to the Federal Trade Commission, and I also enclosed copies of the FTC report along with the notarized affidavit. Please delete the following items as soon as possible.
Product: Debt collection

I was contacted by STATES RECOVERY SYSTEMS INC for a old credit card that I believed was inaccurate. The amount in question I stated was in dispute by me as well as the time line. I was told that to prevent future action by them I had to pay {$3000.00} immediately. The collection notice is dated XX/XX/2018. I am extremely concerned they will continue to harass me and make threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXX XXXX- Partial Acct # XXXXXXXX XXXX XXXX XXXXXXXX - Partial Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. 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, not later than 4 business days after the date of receipt. So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Exhibit A & B : Two letters were sent to Bank Of America, N.A requesting debt validation and informing them violating the law 15 U.S.C. 1692g - b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

Violation of the Fair Credit Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have not received proof of validation of debt from Bank of America , N.A . 

Debt validation letter was sent certified mail dated XX/XX/2023. 



Along with this complaint made by the consumer, another complaint will be maid to a 3-party attorney representing Bank Of America , N.A . A notice of dispute was sent to the attorney. Attached to this complaint will be a Notice of dispute PDF file explaining the laws Bank Of America, N.A has violated as my rights as the consumer. This Notice of dispute was mail certified to the attorney representing Bank Of America , N.A .