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

In accordance with the Fair Reporting Act, this creditor ( Exeter Finance Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. 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. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Had multiple back to back large charges from a couple different named merchants on my Bank of America card. My bank fraud department immediately called me asking if I did these charges. I said definitely not! They filed the fraud claim for me then denied it a week later saying I had used my phone for these purchases. It is obvious fraudulent activity of over {$1600.00}!
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX. Account number : XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the XXXX XXXX court as the furnisher, that's forgery and misleading when the courts don't report this type of account.
Product: Credit reporting or other personal consumer reports

% th XXXX has reported to my credit a charge off for XXXX 6 years ago I had my credit card over 6 years never a late payment however due to a divorce there I needed to file a bankruptcy XXXX XXXX was not included yet they closed the card which is fine but I requestthe last 12 monthsstatments because they reported a charge off which was not the case and a balance of XXXX when I called XXXX XXXX on XX/XX/year> after speaking to nearly XXXX people I was told I had to go back to the credit breau which i did on at least XXXX occasions and was told to go back to XXXX XXXX they are the only ones that can fix it. XXXX replied they can not see the statements and could not fix the issue. As a resolt oa mwriting to request to the the charge off removed from my credit on the basis that this information is falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts reporting on my Equifax report that do not belong to me. 
The accounts keep coming back as verified when Equifax submits disputes for these accounts. Verification is confirming who the original creditor is, which is myself, XXXX XXXX. I submitted an FTC report to equifax and it was received by them on XX/XX/2021. 
The accounts are as follows : XXXX, XXXX, XXXX XXXX XXXX. Please block and delete these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Credit reporting or other personal consumer reports

My Social security Has been compromised and there's been credit inquiries and open accounts that doesn't belong to me
Product: Money transfer, virtual currency, or money service

Ok, that's the reason I'm here. My son and I contacted the Etoro group on XXXX we were trying to recover the money that was taken from us with the promise of a big return. I was approached on XXXX and told that the money had been recovered and to give them my XXXX  address in my XXXX XXXX account. I did and received XXXX dollars of XXXX  coins. XXXX XXXX of them. I was told to deposit XXXX dollars into my XXXX account to get the money out of my wallet and into my bank account. They asked for my recovery phrase, XXXX, and Etoro. I gave them the word phrase because I didnt know what to do. They have access to the XXXX. Which bothers me. The stock is showing live on trading sites. My concern is that the coins are not real. They are a digital representation of what was sent to me.
Product: Credit reporting or other personal consumer reports

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 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No 2025-CFPB-0002 ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a second dispute with Experian about a collection account ( XXXX XXXX XXXX ) To be verified by providing me an original signed document or for it to be removed as stated on F.C.R.A. section 609 and section 611. Experian has failed to provide me with an original signed document and has not removed the collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$4500.00} XXXX XXXXBalance : {$8600.00} XXXXXXXX XXXXBalance : {$8800.00} XXXX XXXXBalance : {$4800.00} XXXX XXXXBalance : {$7400.00} XXXX XXXXBalance : {$5700.00} XXXX XXXXBalance : {$3600.00} XXXX XXXX XXXXBalance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I continue to get calls from Portfolio Recovery Assoc. and from a variety of phone numbers from different states. I recently moved from XXXX  to XXXX  to live with my family. The XXXX  law says an out-of-state collection agency must maintain a physical presence in their state in order to collect debt. This business does not physically have a business in XXXX.

XXXX  Debt Collection Laws ( B ) A collection agency with a place of business in this state may take an assignment of another persons accounts, bills, or other evidence of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest.

I believe this company can not collect a debt in XXXX  that was created in XXXX XXXX.
Product: Checking or savings account

I opened a checking account more than XXXX month ago. I have not received my physical debit card yet!!!! XXXX XXXX  was presumed lost. I had to file for another XXXX. I was told that the XXXX XXXX was mailed to the WRONG ADDRESS ( altho i have checked few times with customer service and no one said that they had the wrong address for me ). Hence, i filed for a XXXX  card and today I receive the old card!!!! The XXXX  who got deactivated. I am frustrated since I am having conflicting information and honestly this is unacceptable. It is the XXXX  time i face this issue with a bank " being deprived of my card for more than a month ''. This is unaccepte and says a lot about the bank!!!!
Product: Debt collection

national credit systems claims I owe XXXX to XXXX XXXX. I do not owe any such debt. if anything I am owed a security deposit refund. no proof or explanation has been provided to verify any such ccharges or claim exist.
Product: Credit card

I had a subscription to XXXX. The credit card on file expired over one year ago, yet a new charge for the subscription was placed on my credit card 13 months after the card on file with merchant had expired. I called my credit card company ( Capital One XXXX ) to dispute the charge and they said since I had a subscription then I had authorized the charge. After asking how a merchant was able to charge an expired card, Capital One admitted to giving the merchant my updated card information. My credit card company provided personal information ( new card number, expiration date, and security code ) directly to a merchant and which allowed the merchant to charge an expired card. I was neither notified from the merchant that my card on file had expired, nor was I notified of the agreement between merchant and credit card company to auto-update my card information, nor did I authorize my credit card company to give my information to the merchant. The credit card company finally relented and credited my account for the unauthorized charge and I have cancelled my subscription with the merchant.
Product: Money transfer, virtual currency, or money service

I was contacted by someone from the phone number : XXXX ( XXXX ) XXXX They said it was Chase bank and that someone had tried to open a bank account under my name and wire money via XXXX. 

They then transferred me to " XXXX '' - this phone number : ( XXXX ) XXXX XXXX. 

They said they would cancel the wire transfer that had happened but that there were 'ghost ' transfers happening that I wouldn't be able to see from my XXXX and to counter act two transfers that were fraudulantly made to a XXXX XXXX , I should go into my XXXX and send {$500.00} to the void code XXXX, nad {$1700.00} to the void code XXXX. 

I understood that this was a scam and told them I was going to hang up and call Chase back on their customer number, so I didn't fall for it, but wanted to report this scam and this line of phone numbers. They also have me recorded from early in the call saying yes and no with my voice, so is there any way I can ensure they can't use that information ( paired with my phone number ) against me in a fraudulant way?
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Credit Card account and XXXX Personal Loan accounts opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX XXXX  on XXXX XXXX under the account number ( XXXX ), and XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX at around XXXX I called my bank to inform them of the unauthorized transactions on my account totaling {$1600.00}. I had told them that I had contacted the merchant which whom I'd never heard of, but was unable to find anything out. The transactions had been spread out, yet Chime never thought to flag these constant multiple transactions from an online merchant from another country. On the following day, XXXX XXXX at XXXX however, I received a decision on my dispute. According to Chime, they say those purchases were authorized by me, which they weren't. After complaining that they did not even look at the material facts, and informing them that I'd be filing a complaint, they sent me a followup email telling me that I could submit a rebuttal if I was not content with their decision. I immediately requested the documentation they used to make a decision on this dispute in less than XXXX hours, but I was met with resistance. I requested they begin the rebuttal and look at the material facts and provide me with something as I don't know that merchant, don't know what they offer, and have never authorized a payment to them. I waited since XXXX until this Monday, for the documentation they used which only contains a list of the transactions, the fact that I had my card when I reported this but they don't mention if the card was physically swiped so this has nothing to do with someone using my card information. The question about my pin being in a secure location should simply say yes, because memorized is secure. " If no, then where? '' should not be answered unless memorized is not secure. Lastly, their reasoning for their decision is because the account balance was drained. It is overwhelmingly clear that Chime has not done their due diligence with my dispute and simply denied it in under XXXX after being filed, denied without any proof other than the account being drained, possibly in an act of discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was from XXXX/XXXX. In XX/XX/2018 I spoke with XXXX about this account, paid it in full, and they recalled it from collections. XXXX advised that the account would be removed if it was being reported. The representative did not know who the collection agency was or if it was being reported during the call. I have written to Convergent Resources and have not heard a response in over 30-days. I have disputed this with the credit agencies and Convergent Resources continues to falsely report this account.
Product: Debt collection

Cavalry Portfolio Services has NEVER sent me a bill for this collection they are reporting on my credit report for {$10000.00} I have sent XXXX requests ( with signed proofs of delivery ) for debt verification and they have failed to provide it. I sent first request XX/XX/21, second request XX/XX/21 & third request XX/XX/21. All they have sent me is a letter stating " it is our position that the information we are reporting to the consumer reporting agencies regarding the account is accurate '' but will not provide me with ANY DOCUMENTATION PROVING THIS!! I do not recognize this debt, do not believe it's mine and want it removed immediately from my credit report as they have failed to produce verification of debt requested. It's now been almost 2 months since my first request. They are supposed to remove if they can not provide the verification I've requested within 30 days! Please HELP!
Product: Credit card

My wife has not received a paper bill from Chase Card Services for an Amazon account in two years. I was informed that the account had paperless billing. The card is basically maxed out with late fees despite receiving payments and I had no idea.
Product: Credit card or prepaid card

XXXX. XX/XX/XXXX discover sent me an email stating they wanted me to verify my identity. I didnt see said email. This email came from XXXX. XX/XX/XXXX I contacted them because my card didn't work. They explained to me about the email. They agreed to send me a new link because while they were on the phonebi searched for the email and the link wouldn't work. I've had this card for 4 years now. I waited all day n never recieved the email so that night I called back. They now told me they couldn't send a new email because the 42 day window was up as of XXXX  the night before and my account was scheduled to be closed. I do not believe for a second the window is 42 days very random number n I randomly contacted them the next morning. I have never seen any paperwork that shows this number or in any recent emails do they explain this arbitrary number. They then said it wasn't closed yet but would be and there's nothing I could do even though I was in contact with them and attempting to resolve it. I explained this would hurt my credit and I would suffer financial hardship from this. They explained it would hurt my credit less if I closed the account voluntarily. This also was a red flag. I have no balance on the card n they accepted no less than 4 payments in the time frame of said 42 days. Then I was told I could write to their complaint dept and ask to reopen the account that at the time of them telling me hadn't actually been closed yet. But at this point there was nothing I could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Checking or savings account

I was looking for a place to live in XXXX, MA for a month and found a place to sublet on XXXX. They had me fill out a rental application, which was accepted, then a lease. I had to transfer money ( {$2500.00} ) to their account then my reservation was confirmed. The subleaser 's name was XXXX XXXX ( XXXX ) and his landlord XXXX XXXX. When I arrived at the apartment the place did exist ( XXXX XXXX XXXX, XXXX, MA XXXX ), but a different person lived there/owned the apartment and it was not being rented. It was all a scam.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer, provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experian actions violates federal law and my rights as a consumer