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

I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from credit XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXXXXXX XXXX  Account Number XXXX Balance {$3400.00} XXXXXXXX XXXX Account Number XXXX Balance {$16000.00}
Product: Credit card

I would like to formally express my deep disappointment and concern regarding the recent handling of a transaction dispute by Discover. As a longstanding and loyal cardholder, I am dismayed by the lack of thorough investigation into the matter at hand. 

It is disheartening to find that such a situation has arisen, particularly given my history of responsible card usage and prompt payments. This incident has forced me into a position where I must take the step of filing a public complaint. 

I believe that a credit card company with a reputation as reputable as yours should uphold the highest standards of customer service and investigative diligence. This recent experience has regrettably fallen far short of those expectations. 

I sincerely hope that my concerns will be taken seriously and addressed promptly. My intention in filing this complaint is not only to rectify the situation but also to help ensure that such oversights do not occur in the future, both for myself and for other loyal customers who place their trust in your company.
Product: Credit reporting or other personal consumer reports

I dispute the collection accounts and both accounts came back verified. So I asked for proof of the investigation which I did not receive at all.they had 15 days to do so. 
In accordance with the fair credit reporting Act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc1681 has violated my rights. 
XXXX XXXX XXXX account number XXXX and XXXX XXXX, XXXX and mont account number XXXX. 15 usc 1681 section 602a and XXXX XXXX XXXX XXXX XXXX, XXXX,
Product: Debt collection

I have received e-mails from this company stating I have an outstanding debt with them and I checked my credit report and this company is not listed and also I don't recall ever taking a loan out with this company and also I have never heard of this company when I started receiving threating e-mails.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX XXXX {$790.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. 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

Transunion took {$1.00} from my checking account on XX/XX/2017 followed by {$19.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
Neither my husband or I could recall establishing an account with these people. 
It is possible after the XXXX scare they were used to see if our accounts had been compromised or may be it came from a loan application. 
Needless to say when I called to question the charges they initially would notn identify who they were, and what services they were providing. I also asked just were my call had been directed and expressed my feeling this was a scam or an attempt at identity theft. She still remained cryptic then they demanded my SSN which I refused then it went to just the last 4 numbers, then they wanted my credit card number charges had been made on. 
After a continuous run around while talking to her I XXXX   Transunion and found a site the appeared to be ligitament ... so I reluctantly gave her my SSN. This was the only way I could get the charges stopped ... My complaint is how can they charge me something I didn't want and put me vulnerable to financial/identity theft to get the charges stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I, XXXX XXXX, a consumer and the original creditor, sent via certified mail, an affidavit of truth to Experian. In it, I outlined how they committed identity theft, among other things, causing XXXX XXXX and tarnishing my good name, with information of alleged debts that do not pertain to me. You can find the detailed information in the attached paperwork.
Product: Money transfer, virtual currency, or money service

I attempted to purchase a vehicle from a " company '' called Chase Auto Sales on XXXX Chase Auto Sales LLC XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX After speaking with the " salesman '' a few times, I wired money from my XXXX XXXX account on XX/XX/23 to a Chase Bank account ( which I assumed was legitimate for a company to have ) The routing number was XXXX XXXX XXXX and the account number was XXXX XXXX XXXX. Within a few days, the seller was no longer responsive and I began a case though my bank at XXXX XXXX who after multiple calls to Chase Bank XXXX was not able to resolve this issue. 

When I spoke with Chase Bank fraud dept on XXXX they said they were not able to help me because I was not a Chase customer, although they did verify the this was indeed an open and working account- but that was all they would help me with, and could not take any action on this account.
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 confidentiality under 15 USC 1681. 

Account Name DEPTEDXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 

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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called Victoria Secret to request the buyer of the alleged debt regarding XXXX # XXXX. I spoke with XXXX, he works in the dispute Dep and can be reach @ XXXX Ext XXXX. XXXX could not locate this account and was not aware of the debt nor the buyer, he also allowed me to record our conversation which I would like to include in this complaint, he agrees that no detailed information is listed on my consumer report. The following item is inaccurate and negatively effecting my credit. I called XXXX immediately. I asked for verification of debt or a judgment and was told that word of mouth from any company is excepted as validation of debt and that they could not send me anything in writing. XXXX has not properly investigated this account. Both of these companies are committing fraud willingly and knowingly. It is my understanding that under law you have 30 days from receipt of this letter to verify this item. it should be understood that failure to do so constitutes reason to immediately delete this item from my credit report { FCRA 15 USC section 1681 ( 5 ) ( A ). You may send an updated copy of my credit report to the correct address listed on my report. According to the provisions of 15 USC 1681j, there should be no charge for this notification.
Product: Credit card or prepaid card

I reported fraud on my chime account on XX/XX/21. my cell phone was stolen and they hacked into my phone, taking over my email accounts and getting into my chime.com app. they then proceeded to change the because email to their own email so I could not log in and transferred themselves XXXX XXXX to themselves through the XXXX XXXX feature in the app. I have been in dispute with them ever since but have gotten refused twice. I included the police report I filed with the fraud and theft report and was still denied.
Product: Bank account or service

On XX/XX/XXXX I visited a Chase ATM and asked to withdrawal {$300.00}. The ATM was unable to dispense cash and issued a receipt stating transaction denied. However I noticed that it appeared on my online banking as a withdrawal. I immediately called chase and reported it. I was told within 12 hours it would appear back in my account. 2 days later it was still not in my account so I called again and then was told in 24 hours. However a few days later the credit was still not in my account. I called again and was told 1-2 business days. I again called on XX/XX/XXXX two weeks after the ATM dispute and now I am being told that there is no timeframe to return the funds to me. All they tell me is that there is a system glitch and they are unable to help. I find it ridiculous that it is taking this long. In the meantime I have no money in my account to pay bills or other necessary things.
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 confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX # XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$120.00} ), Account name : XXXX XXXX # XXXX ( {$4600.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$2400.00} ), Account name : Genesis Credit Management # XXXX ( {$5900.00} ) 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's over th e 7 y r statue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I ca ll I co ntinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 m ore yrs t
Product: Credit reporting, credit repair services, or other personal consumer reports

EXETER FINANCE claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurately. However, this account is still inaccurate and EXETER FINANCE is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. I want all late payments removed or the account XXXX XXXX  XXXX deleted for inaccuracy because the date opened is reported as XX/XX/XXXX on XXXX XXXX and XX/XX/XXXX on XXXX. There was no notice of dispute on XXXX, and only XXXX reported my dispute which is a violation. The date last active shows XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which means the account was re-aged and thats a violation. The late payments are reported inaccurately and inconsistently on XXXX and XXXX. I cant figure out how you verified these late payments when the only form of verification is the bank statement belonging to this company. I need to see all original bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Each Bureau has a different historical payment date. Delete this account for inaccuracy because 2-3 bureaus report different information. EXETER FINANCE has violated my rights numerous times. 15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 15 U.S.C. 1692 Section 806 Section ( 5 ) Causing a telephone to ring or engaging any person in a telephone conversation.
Product: Credit reporting

All around XX/XX/XXXX hard inquiries XX/XX/XXXX popped up on my credit report that i did not arthories they tell me to call the creditor the creditor say theres nothing they can do and the credit burea say the same
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, and XXXX credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I need your assistance with the incorrect account appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your help. These accounts are being reported unfairly, and I want them removed.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

I signed up for Bank of America credit card and was approved and used a balance transfer to finalize my other Credit Card at XXXX XXXX. 

I got my Bank of America card and the balance transfer did not occur. I did not hear back anything about this for 2 weeks so I assumed it wasn't going to work. 

I went ahead and paid in full the XXXX dollar balance on my XXXX XXXX and closed the account. ( to avoid interest ) Today, bank of america has the balance transfer pending as sent. I have called both banks and they told me to contact the other bank. This is very concerning since they do not know how to professionally handle this. I need a competent representative to help me resolve this. Escalating to the CFPB seems to be the only way they respond profesionally.
Product: Credit reporting or other personal consumer reports

XXXX continues to violate the FCRA requirements and my consumer right I asked for this XXXX XXXX Bank account to be removed for reporting inaccurate information. 

XXXX reports that last payment received was both XX/XX/year> and XX/XX/year>. 
Although they report pay as agreed in XXXX and XXXX of 2019. 

I asked that this account be removed for inaccurate and incomplete data but instead updated historical account information. XXXX through XXXX of 2019 No Data, then a payment in XX/XX/year>, then again No Data in XXXX and XX/XX/year>. 

Report first delinquency as XX/XX/year> Please remove this account from my credit report immediately
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach with experience, credit cards, and other information retaining to this was exposed and put on the XXXX XXXX, including my Social Security number I mean, everything is literally on the dark web. If someone wanted to pretend to be me its completely easy my birth certificates up there copies of my drivers license everything.
Product: Payday loan, title loan, personal loan, or advance loan

Once again one main financial is lying saying things that are not true for one my loan i got a loan with my vehicle and it was total so in my app which I cant access because of them you looked in to something for me and they are lying because if I was not getting a refund why would it say that they are liars and the information that they told you is a lie and why would I be told not once but twice I was getting a refund if I paid it off early I started making payments in XXXX and a recomputed loan and when you call for a pay off because the balance is not it so tell me
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX