23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX ish - Received a Chime XXXX XXXX XXXX in the mail that I never signed up for. 

XX/XX/26 - Tried calling the 800 number on their site but no options for fraud and impossible to get a live person. Only option was to email XXXX XX/XX/26 - Emailed them advising that I thought I was a victim of fraud. 

XX/XX/26 - Got an email from Chime support back saying, " This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! ". 

XX/XX/26 - Got a second email with the following message, " XXXX XXXX, Thank you for reaching out and letting us know you believe a Chime account may have been created using your personal information. Chime takes reports of identity theft very seriously and we are happy to further investigate the matter for you. 

Please note : If you might have created an account in the past ( months or years ago ) and just need assistance regaining access to this account and just or need a card, please let us know and we can assist you with regaining access. 


It is not possible to open a second Chime account, delete your current account so a new account can be created, or change account numbers ( or create new ones ) once they have been set at enrollment. 


You can not re-enroll using a referral link if you have already enrolled without using a referral link. 


Please confirm whether you recall potentially creating this account or not. Once we have received a response. We will do our best to respond within 2 business days. 

Thanks, XXXX | Chime Member Services XX/XX/26 - I responded to that email with, " I did not open any account with Chime and would formally like to have this account frozen, eventually deleted and investigated for fraud. '' XX/XX/26 - Received this message back : Thanks for reaching out to Chime Member Services, this is XXXX! 

I'm sorry for the inconvenience but to best assist you and investigate further, please send us a picture of your valid government-issued ID and the last 4 digits of your Social Security Number. I would be happy to assist you further. 

I look forward to hearing from you. 

Thanks, XXXX | Chime Member Services XXXX - Finally got around to emailing them back and advised I was not comfortable giving a company that has already sent me a card that I suspect to be fraudulent anymore personal information. 

XXXX - They emailed back and advised to give them my name, last four of SSN, card number and account number. 

XXXX - Responded back with the above info. 

XXXX - They advised : Thank you for providing that information and letting us know you did not open this account. We have blocked the account, which will prevent the account from being accessed by an unauthorized party in the future. 

Please note, we have escalated this issue to a specialized team for further review. They will reach out with an update within 24 hours. 

XXXX - I emailed back and advised I wanted the account closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 my account without written instructions.
Product: Mortgage

This is not a new complaint. I noticed that I have complaints that remain unresolved. Can someone follow up on this please?
Product: Credit reporting

I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.
Product: Money transfer, virtual currency, or money service

I received a text message from the Bank of America on the afternoon for XX/XX/2022 regarding suspicious activity by transferring money ( {$3500.00} ) to a XXXX XXXX in which I did not nor do I know someone by that name. I did not respond and immediately called the bank. The man that appeared to be an employee was actually the scammer. He said that the money was " transferred '' by XXXX and that he could reverse the amount taken. He told me to change my password for logging into my account and not to call the police, The next morning the {$3500.00} was missing from our account. I called the bank immediately and I was told that the company ( Bank of America ) had an ongoing internal breach and that this had been going on for some time. I instantly filed a claim and spoke to 11 people over the phone and one in person. Sadly, every person had a different explanation for what happened to us, including leaving out specific details and if and when our money would be refunded. We have received a letter from the Bank of America stating that they were NOT going to refund our money. We have filed a police report and are ready to do whatever we can to get our money back. 
How it started
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, TransUnion, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
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 a account without my written instructions. 
15 U.S. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and US Bank and XXXX XXXX. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 




XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to my credit report, my credit and personal information was shared during a data breach in XXXX 2024. I am filing this complaint under the 15 USC 1681 law that protects my privacy.
Product: Money transfer, virtual currency, or money service

As a regular user of the Zelle app and a member of XXXX XXXX, I am deeply concerned about the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Zelle and its affiliated banks. I rely on Zelle for convenient and secure financial transactions, trusting that my personal information and funds are adequately protected. However, the allegations of mishandled disputes, inadequate fraud prevention, and potential exposure of users funds and data have raised serious concerns about whether my own transactions or account information have been compromised. 

Given the severity of the claims, I am particularly worried about the possibility of financial loss or the misuse of my sensitive information. As a user, I expect transparency and robust safeguards from both Zelle and XXXX XXXX, and I feel that I deserve to be included in any settlement or remediation effort to ensure my rights and security are addressed. 

I would like to be kept informed about the status of the lawsuit and any steps being taken to resolve these issues, and I would like to know how I can formally participate in the settlement to recover any potential losses or damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a account paid in full letter and emails to and from XXXX XXXX XXXX  where there was an issue with the company that still wanted additional fees- this issue was resolved in XXXX and now for some odd reason its showing as a negative on my credit report. And nothing has been resolved. Please help thank you i have worked very hard on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a charge-off entry from my credit report within 4 businesses days which appears to have been reported inaccurately and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), along with other applicable laws. Specifically, I am referencing violations of 15 USC 1601, 15 USC 6801, and 15 USC 6802, which govern the privacy and accuracy of credit reporting and information management. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 USC 1601, the purpose of the Truth in Lending Act is to promote the informed use of consumer credit, ensuring transparency and fairness in the reporting and assessment of credit information. The charge-off in question does not reflect my accurate credit history and, therefore, is in violation of this acts consumer protection standards.

Furthermore, as outlined in 15 USC 6801 and 15 USC 6802, financial institutions are required to establish and maintain proper privacy protections for consumers. The inaccurate reporting of this charge-off violates my rights under these statutes, as it improperly discloses information about my credit status that may not be accurate or in compliance with the law. These sections further stipulate that unauthorized or inaccurate reporting of personal financial data is prohibited. 

I kindly request that you thoroughly investigate this charge-off entry and remove it from my credit report if it is determined that the reporting does not meet the requirements set forth by the aforementioned laws. In addition, should you find that the charge-off is accurate but still being reported incorrectly or beyond its legally permitted time frame, I request that you take the necessary action to correct or delete the entry accordingly. 

Please inform me promptly of the actions taken in response to this request, and do not hesitate to contact me should additional information or documentation be required. I trust that this matter will be resolved in compliance with federal law and in a timely manner. 

Thank you for your immediate attention to this issue.
Product: Credit card or prepaid card

Chase Bank arbitrarily closed three credit card accounts that were paid timely, often in advance, stating they were over credit limits and had received numerous inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have one address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX. ) My employment is blank. It should be XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XX/XX/XXXX - XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

XXXX XXXX From : XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I ordered XXXX XXXX  on the site and as I was looking for small denominations, I saw on the margin selection is available, So I called and the rep. said cancellation was needed and I should go to my bank ( he seemed to be having trouble ). I decided to get off the phone. 
Subsequently, I received a series of emails. 1order received. 2.order there. 2. order picked up. 
I contacted the bank ( XXXX MA ) and arranged to talk to a representative. Once I was notified the order was there, I expected to pick it up myself. I was not satisfied with the explanation. It seems to me that the entries were made to show a pickup and then a sale of the order. 
I have bought euros for my trips each year for many years ( I have large denominations ). Of course, I have paid costs for the original order, the sale back and the purchase at the bank.
Product: Credit card or prepaid card

an account was opened by my estranged father XXXX XXXX XXXX dob XXXX ss XXXX i never opened or authorized this account. I dont own a business and a simple search before opening this account they would see that im not an owner or officer, i am a XXXX XXXX who makes XXXX per year, this account was opened wo my authorization knowledge and permission, they know this capitalone, they know that an account that was issued in my name was NEVER used and only the XXXX since that they should know this is fraud, i contacted them several time complained about this fraud and XXXX XXXX XXXX ext XXXX from cap one since he found me responsible which is false, I NEVER OPENED OR USED THIS ACCOUNT i NEVER authorized this business account since i dont even own a business, i filed a fraud report with ic3.gov as instructed by my local police department
Product: Money transfer, virtual currency, or money service

Someone gained access to my PayPal account and make several unauthorized transactions ( {$1100.00}, {$110.00}, {$100.00}, {$86.00} ) to a XXXX XXXX and PayPal is trying to tell me that, a person who is not in my contacts, and whom Ive never had any interaction with before in my life, somehow fits my PayPal activity. Every other person that Ive sent him payments to via pay pal is in my contacts list. 

I disputed the transactions with PayPal but they have absolutely no consumer protection.
Product: Credit reporting or other personal consumer reports

For the last 2 months I have been calling experian to tell I can't sign in to see my credit report. There recording won't let me talk to someone because I don't know the password and said it would send a code to my phone. I never get the code because I found out they have the wrong phone number. When I call there dispute department after a few questions they get me in I tell them that is not my email that they are sending my information to someone else and that is not my phone number that they are sending to code to. They tell me they are sending a escalation ticket to my email or fax to send them a copy of my social security number both sides and send they my ID both sides and send them the right information. Then they send my a email saying they corrected it and I still can't get in. They never corrected it. So I call them back and they start the whole process all over again. I have done this 5 times already and I still can't get in. Now they have that wrong email as the user name and I still can't get in. I have never seen so much incompetence in my life. I have a Identity theft report with the FTC and a police report because of a collection company coming after me for an account I never had and the IRS saying I worked last year when I have not worked since XXXX  I'm XXXX. and now this problem frustrating. Please Help them get it right
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, These Accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose