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

On XX/XX/2022 starting at XXXX XXXX CST XXXX transactions processed on my Chime debit card account ( Chime Financial Bancorp ) that were not authorized. I immediately got Chime fraud department on the phone to report the charges. While I was on the phone with Chime XXXX more transactions processed before they would even block the account. All XXXX transactions were United States companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX total XXXX. I was told by Chime fraud supervisor XXXX that I couldn't file a dispute until the transactions cleared, which happened on the morning of of XX/XX/2022. At XXXX XXXX I called Chime and filed the disputes for each transaction and obtained a case # XXXX. Starting on the evening of the XXXX and finishing up on the morning of the XXXX, I have spoke with local police ( and provided visual proof of possession of the card ) and filed a police report, Filed an FTC Identity Theft report ( report numbers available if needed ), and called and spoke with all of the companies who received funds and completed any tasks they request I complete. I obtained documents and phone discussions and phone numbers and contact persons ( and verified with each company that I had no acct with them ) and uploaded all documentation to XXXX along with photo i.d . social security card and an image of the Chime card. No surprise that Chime has already DENIED that any ERROR took place. ( This was not reported as an error it was reported as theft and fraud ). I received the denial email at XXXXXXXX XXXX on the XXXX. I immediately called back to Chime Fraud ( and resent ALL documentation via email to them ) and requested a Rebuttal and that they verify receipt of the emails I sent. Receipt was confirmed on the call and supposedly the case is reopened. I can't verify that as the status in the Chime app still shows closed, but my call was documented. I am in utter disbelief at the process this " bank '' utilizes to handle reporting unauthorized transaction reporting. And I am shocked that they have denied the investigation request. I will most likely have to call again to verify that the case was reopened and any investigator has reviewed this request. I will need help obviously as this isn't being taken seriously.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a collection account on my credit report ( US Departmetn of Education acct # XXXX ). This XXXX XXXX XXXX account was moved to XXXX XXXX and placed back into good standing due to the government 's Fresh Start Initiative which places the account back in good satnding and removes the negative information from the credit report. Both XXXX and XXXX have removed the item but Equifax has not.
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 Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX 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 or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Transunion 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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Vehicle loan or lease

I been paying on this loan for 5 years i looked over 20 payments nothing has gone to the principle even if it went to the principle my loan has been at stand still only time it went down I made a XXXX payment and one of those payments XXXX went to intrest I was told I had to ask for it to go to the principal when I asked they told me they don't do that so for a XXXX XXXX car I've paid XXXX XXXX and still going then I tried to get a payout it's the exact same amount they said the intrest will never be removed u need to talk to the dealer when i looked closely the dealer signed the initials of mine and the cosigner on the contract those are not our signatures when I called XXXX they denied it stating it's done on a computer I said i know My other signature is correct but the fine print ones the dealer signed and it's the wrong initials put on there so I made a police report now I'm here they laugh never said i would owe more money of got extention I'm stuck it's just lie after lie please help she tried to say I let them I said how would u know u weren't there i signed the big ones my signature never looked liked that u can tell the signatures are by the dealer XXXX then he wrote the wrong initials please help also XXXX change the intrest I was told with a cosigner it would be at 9 % then when I l9oked it was 24 % they said nothing they can do it's signed very rude that tells me everything
Product: Payday loan, title loan, or personal loan

I got into a car wreck on XX/XX/2022. My vehicle was immobile. I have insurance through XXXX and after performing a proper estimate the vehicle was deemed a total loss on XX/XX/2022. XXXX 's total loss department and I XXXX XXXX have tried on multiple occasions to in contact with the insurance department of Wilshire and no one would answer and we would get sent to a survey. XXXX wants a perfected title with Wilshire as the lien holder and it has yet to be given. It is causing me and my family to be put in a predicament where we have to come unnecessarily out of pocket for rental vehicles and also not have the remainder settlement amount to get a new car. Again XXXX needs the perfected title to pay off the loan amount and to release anything additional to me. Wilshire has been everything but helpful and has sent us on complete runarounds about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX  Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's American Express Account put me on late payments while I was overseas on lockdown because of covid-19
Product: Checking or savings account

On XX/XX/2024 I transferred {$2500.00} from costumers bank into a new business account I created with Mercury Banking. On XXXX, XX/XX/2024 Mercury notified me that my account had been locked as they needed confirmation via an invoice that I transferred the funds to the receiving business account. I did not understand what what they meant initially by invoice and attempted to show they that I did in fact make that money. After realizing they meant clarification on the bank that sent the funds, I replied with a Screenshot of the send receipt my bank emailed to me which was from XXXX XXXX XXXX Bank which are shown in the screen shot. Mercury Banking replied with an email that said they could no longer offer me services and that they would be closing and keeping my funds and that they might CHOOSE to refund them at a later date. That is extremely bad costumer service and business. As a new business owner and patron of the service having my money taken less than a week after opening the account is ridiculous. I am a low income minority attempting to create a business and create a better life for my family and the stress that is accompanying this issue is palpable. I hope this resolved this matter as fast as they decided to seize my money.
Product: Debt collection

Attn : XXXX MACY FRAUD / CBR DEPARTMENT XXXX XXXX Content of recently filed complaint with Ohio XXXX XXXX XXXX 

After hours and hours on the phone with citi/ macy/ XXXX  I have submitted formal complaint to the XXXX XXXX XXXX. I have ask that you remove a fraudulent account from my credit report. I have encountered nothing but resistance and unwillingness on the part of Macy and Citi. The account was originally opened in XX/XX/XXXX. I have never had a MACY/OR   BLOOMINGDALE  ACCOUNT. I DID NOT LIVE IN OHIO AND HAVE NEVER LIVED IN OHIO. I have filed disputes with all three credit bureaus and XXXX in our recorded conversation contends it is macy/ citi that continue to report the account as a charge off to my credit. This is negatively impacting my ability to secure a refinance. 

I submitted the following complaint today. XXXX  complaint number XXXX Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will receive an email with further information once your complaint is processed by the XXXX 


XXXX data breach XXXX lead to identify theft in XXXX. Someone open a fraudulent XXXX MACY /BLOOMINGDALE ACCOUNT IN MY NAME. I became aware of this when I received a collection call from MACYs. I called macy/ file fraudulent dispute with all three credit bureaus. Macy has stonewalled all attempts to remove this fraudulent account and continues to report the account as a charge off on my credit reports. During the time this account was open I was living and working in the XXXX XXXX and never visited Ohio or gave anyone permission to open this account. Every attempt to have Macy 's remove this FRAUDULENT INFORMATION has been met with passing the buck. One business says call this number who then refers the consumer to another number that either doesn't work or I am told to call a different number. I have proof that I was never in OHIO and could not possibly have perpetrated this fraudulent account. Macy agents will not transfer calls or honor requests to speak to a supervisor or say they will resolve the matter in thirty days. My initial request and notification started in  XX/XX/XXXX. 

I will be forwarding a complaint to the federal government and speaking with legal counsel to determine how I can be made whole given MACY/CITI refusal to correct this fraudulent information and to remove it immediately from my credit reports. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been no progress on CFPB complaint XXXX. I can't log on to Experian. Why? my account got hacked and the bad guy reset the recovery email to some email I have never heard of and don't have access/control over. When I contact Experian the AI robot puts me in a doom loop to recover my account access through the same email address that has nothing to do with me. When I get a person, they forward me to the doom loop AI robot who sends a recover password to the same email that I have no control over. doom loop. over and over. Doom loop
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 
I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reporting. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Phoenix Financial reported to the credit bureaus a derogatory mark on my consumers credit report. The original creditor Is XXXX XXXX I, which I dont see how because as a consumer Im the original creditor. I did not give Phoenix Financial my written consent to report anything to my consumers report. No consent is identity theft.
Product: Credit card

On XX/XX/XXXX I opened a dispute with Venmo CC concerning charges for a purchase that was deemed counterfeit. Shortly after that I received a dispute form and completed it. On XX/XX/XXXX I sent a 25 page fax to the fax number provided and it indicated it went through on my end. They responded that it would take 3-5 days to update the account. According to them it was never received. I send dispute info again via there secure message account XX/XX/XXXX they responded with couldn't find the charge even thought i broke it down by dates of payments made. I sent it again more clearly because they couldn't comprehend the first and received a response on XX/XX/XXXX outlining the amounts. So I copied everything, sent it priority mail to the address on all of there correspondence. I sent another email on XX/XX/XXXX asking if the information was received that I sent priority mail and the response was it was received on XX/XX/2023. Now I get a letter stating the dispute has been closed because they haven't received information requested from me. So today I called the number provided talked to XXXX who has now indicated the response they sent me concerning my priority mail was in response to something else. I said I have clearly asked about my priority mail and you responded to it with above info. I am beyond frustrated with this company. I have faxed, mailed, corresponded via there secure messages and I am getting nothing but a run around. Dispute is over {$2800.00}. And as of today has been reopened.
Product: Debt collection

Signed up with XXXX XXXX for a bundle of cable and Internet. However I chose to switch to XXXX XXXX and cancelled my account. After returning all equipment and etc I started receiving phone calls from a collection company. I tried to dispute twice already and they stated that I could n't. Reason being is because they said they sent me an email stating that if I ended early on my XXXX XXXX that I had to pay {$450.00} just for cancelling the internet. I check my email and have no email stating that information. Therefore I feel like I do n't need to be responsible for this debt due to me not receiving the email.
Product: Debt collection

To Whom It May C oncern : Please be advised that pursuant to the Safe Homes Act, I had to end my lease early at  XXXX   XXXX  in  XXXX , IL because there was a credible imminent threat of   XXXX   XXXX     (   XXXX  ,  XXXX  and   XXXX   ) against me on the premises. My ex-boyfriend,  XXXX   XXXX , had been  XXXX ,   XXXX   and   XXXX   XXXX   to me while I was living with him at this property. This forced me to leave the home and to start living with my parents. Because he was still in the apartment, I could no longer return to it since it would have put me under a constant threat of  XXXX ,  XXXX , or   XXXX   harm by him, and it was no longer safe for me to live in my unit. I have a two-year order of protection against him and can provide you with that documentation, if necessary.  <P/> I vacated my apartment at   XXXX   XXXX   -   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , IL  XXXX  on    XX/XX/XXXX    under the protection of the Illinois Safe Homes Act. All of my belongings were removed from the unit that day, and my keys were turned in to the management office. As a victim of   XXXX   XXXX   by my roommate in this apartment, I am protected under this law and have the right to terminate my lease early with no further payment required because of a credible, imminent threat of further   XXXX   XXXX    <P/> On XX/XX/XXXX , I disputed the attempt by  XXXX   XXXX  to collect a debt for the rest of my rent through the debt collection company  XXXX   XXXX .  XXXX   XXXX  stopped contacting me due to my cease and desist request. However, the collection was placed on my   XXXX   and  XXXX  credit reports on  XX/XX/XXXX  .   This is why I am submitting a dispute with you today.  <P/> Thank you for your attention to this matter.  <P/> Sincerely,  XXXX   XXXX
Product: Debt collection

Portfolio Recovery Systems Inc., calls on debts they never owned and do not exist. My credit report is clean, I owe nothing to anyone. They keep calling pretty much daily ; from a different number each time. It is beyond annoying! It is XXXX ( now XXXX ) that sells phone numbers to companies. ( not part of this issue, but the way this company gets peoples info. They never called until I got a XXXX phone number, not a coincidence! )
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of my ID as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints