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

On XX/XX/XXXX a fraud charge of {$97.00} for XXXX XXXX, on XX/XX/XXXX Chase gave me a credit for it. 
On XX/XX/XXXX XXXX sent a credit, On XX/XX/XXXX Chase recharged me the {$97.00}. This should make us even. Actually the supervisor agreed we XXXX out. Now they say I still owe the {$97.00} and it must be from a previous charge. Funny the exact amount from another charge. No. I have been paying them in full for months now except for the {$97.00}. I spoke with a supervisor last month that assured me it would no longer show. It was a fraud charge to begin with. I owe them {$86.00} which I will pay in full. They can not show me anywhere that I charged another {$97.00} or any balance for that amount. How can you agree two fraud charges minus two credits equal XXXX balance but still charge me?
Product: Checking or savings account

On XX/XX/2019, I received an email from Robinhood.com saying that my account has been closed. I reached out to understand why. Today on XX/XX/XXXX, I received a response saying that an ACAT transfer was initiated and my account was closed accordingly. I immediately responded asking them to stop the transfer. I sent many more requests to stop the transfer. I am attaching a rough timeline of actions to this complaint. 

My account currently has ~ $ XXXX in securities.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$250.00} for the sale of a XXXX XXXX Cash app refused to take the money from the scammer and XXXX out of options.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute your recent investigation results regarding the inaccurate information on my Equifax credit file. Your response indicated that Equifax verified the account from XXXX XXXX XXXX as belonging to me. This assertion is demonstrably false and raises serious concerns about the integrity and thoroughness of your investigation. 

I previously provided the last XXXX digits of my Social Security number to assist in locating my credit file, and I specified that the account in question does not belong to me. Despite my efforts and clear communication, your investigation failed to accurately address my concerns. 

Furthermore, I sent a debt validation letter directly to XXXX XXXX XXXX, to which they did not respond. Consequently, this fraudulent account has been removed from all three major credit bureaus, including Equifax. The removal of this account by XXXX XXXX XXXX clearly indicates that the account was not valid. Given this fact, it is perplexing and troubling that Equifax claims to have verified the validity of this account. 

It appears that your investigation did not take into account the comprehensive evidence I provided, nor did it adhere to the standards set forth by the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX ( A ) ( XXXX ) prohibits furnishing inaccurate information to consumer reporting agencies. By failing to remove this erroneous account from my credit report, Equifax is in direct violation of this statute. 

Moreover, Equifax 's actionsor lack thereofconstitute a willful noncompliance with the FCRA, as outlined in XXXX XXXX XXXX. This statute provides for civil liability for willful noncompliance, allowing affected consumers to seek actual damages, punitive damages, and attorney 's fees. Therefore, I am prepared to pursue litigation to hold Equifax accountable for these violations and seek {$1000.00} per infraction as stipulated by law. 

In light of these violations and the XXXX  and financial harm caused by your negligent handling of my dispute, I am formally demanding compensation of {$1000.00} for this violation, as provided under XXXX XXXX XXXX. 

Please be advised that I am giving Equifax one final opportunity to rectify this situation and compensate me for this violation. I demand the immediate and permanent removal of the XXXX XXXX XXXX account from my credit report and the payment of {$1000.00} for your failure to comply with the FCRA. Failure to comply will result in my taking legal action to enforce my rights under the FCRA and seek additional compensation for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX and Experian are all in direct violation of the FCRA laws listed below. 
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.

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

These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX  XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 All above should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with a troublesome account that is misleading and false, as it incorrectly indicates that the account is in foreclosure while it was actually paid in full. After disputing this with you countless times, you failed to perform a reasonable and complete investigation, causing me severe distress and actual damages as a result of being rejected numerous things for which I should have been approved. This XXXX XXXX XXXX account with an account number of XXXX on XXXX and account number of XXXX experian is destructive to my health and I need CFPB to enforce the fairness and proper reporting of this account on my credit report. I have proof that i will attach showing the account paid off and in good standing.
Product: Credit card or prepaid card

I was a victim of fraud on or around XX/XX/XXXX in the amount of {$340.00} for an XXXX XXXX charge. I contacted my credit card company on or around XX/XX/XXXX, when I discovered numerous other fraudulent charges on my card ( over $ 3k worth ). The fraudulent charges were waived except for XXXX XXXX XXXX charges which, after a nearly 6-week investigation, the company decided were not fraudulent. They absolutely were fraudulent charges - no one else is authorized to use my card. XXXX XXXX helped me get one of the charges cleared up - but the {$340.00} charge remained. It remains to this day, despite my having made literally dozens of phone calls telling them to reopen the investigation. Customer service reps have promised to reopen the claim and have not. I sent certified mail regarding the situation on or around XX/XX/XXXX and received no response. I also demanded my fraud investigation file, and they have not complied. They are completely unresponsive and ignoring me, a client of over 15 years.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because TransUnion, XXXX, and XXXX did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX Address : C/O XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXXXXXX XXXX  Credit Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : XXXX XXXX ) XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX XXXX Mortgage Compa Address : XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Credit XXXX : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.In accordance with the Fair Credit Reporting act. 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 Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX, now filling bankruptcy, misplaced my mortgage payments for most of XXXX and reported information to the three credit reporting companies that I was past due for a good share of that year. I contacted the three credit reporting companies and filed a dispute. XXXX  and XXXX  removed the reports from XXXX that showed payments past due but did not change my credit score back to where it was prior to XXXX erroneous reporting. Experian did not correct the past due notation on the XXXX account even though I sent them copies of my bank statements showing that I had made payments on time for each month in XXXX and XXXX. In fact I have never missed a payment since the mortgage loan was taken out. This has not only caused me a lot of grief but has also cost me money in the form of increase interest rates with my other lending institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX after checking my credit report I noticed that several files were not mine. Equifax was reporting XXXX, XXXX, XXXX and XXXX XXXX. None of these accounts belonged to me. I disputed with Equifax. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Equifax several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Equifax is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX a consumer has asked the XXXX ( XXXX ) major credit reporting agencies to update, the inaccurate, incomplete and incorrect information on my credit report. I have sent letters on several occasions to no avail. XXXX, Equifax and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately. 
I am asking that you remove the following accounts : XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
According to the credit reporting laws it ensure that bureaus report only 100 % accurate credit information. I believe that every step should be taken to remove this from my account as soon as possible. 
The following information need to be removed according to ACRA guideline ( ASAP ).
Product: Money transfer, virtual currency, or money service

I have tried on many occasions over the last few months to access my old cashapp accounts ( I have rotated through several different phone models lately and all have required a re-installation of the cash app ). Every time I reach out to the company to get access to my prior wallet, they tell me they can not provide access and that I should open another account and they will automatically identify any prior accounts I have and migrate any balances. That has NEVER happened. All I want is for these scammers to provide me with a list of ALL transaction TO and FROM my accounts. I've provided them all the necessary information they require to validate me as the owner of the ( NOW ) XXXX accounts. All the customer service reps refuse to provide me the information- under the pretense of " security ''. I gave them personal information to create the wallets, all they should need is the same personal information to provide me access to my old funds, they are refusing to do so and keep making me open more accounts- which actually does not resolve the problem and only adds to the confusion by creating MORE accounts. 


Their response to my prior complaint is a circular argument. They say they can not provide me access to my prior accounts because they can not validate me as the owner, yet to validate me as the owner, their only mechanism to to request prior account credit card information that has since changed because the credit card used on the prior account no longer exists. They need to have ACTUAL HUMAN BEINGS involved in the account verification process. All they provide is a chat window. I want to speak to a live person that can identify me as the owner of all my prior accounts ( that have balances they are withholding from me ) using means other than old credit card numbers that no longer exist. That is not a valid means of identifying an account holder, they have my other personal and financial information such as my birth date, my social security number and my banking information ( which has NOT changed ). They are preventing me from accessing my funds because I no longer have the old credit cards used to open my prior accounts, yet they can easily verify my identity using other means and refuse to do so in order to keep the funds in my prior accounts for themselves. 

The CPFB needs to look more closely into the practices and policies of this company, as they are essentially scamming funds that do not belong to them. Are they even reporting into the public database of " abandoned property '' that states require institutions to submit? If my funds are no longer accessible because they can not identify me, then they should hand them over to the state so I can claim the funds from the state- and they should provide a means for me to do so as part of their failed account verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Transunion for the fourth time and I wrote Transunion a letter on XX/XX/XXXX regarding a collection item, that was not verified. I spoke to a " XXXX '', who stated he was a supervisor. I told him that the collection item was not mine and that it was inaccurate and unverifiable, unfair as per FCRA section 611 ( a ) ( 1 ) ( A ). And should be removed from my credit report. He was very rude and discourteous, and did not listen to what I was saying at all. I asked him what " method of verification '' under the FCRA, section611 ( a ) ( 6 ) ( 7 ), was used, that I had previously requested and Transunion,  did not honor. He said the method of verification was automated through a computer. I told him computers make mistakes and errors all the time. I asked who did Transunion speak to regarding this item and he stated they never speak to anyone, it is done by computer. Transunion is practicing illegal and unethical business practices. He also, stated that whatever the creditor says goes. I then told him I never consented to XXXX   or any type of automated verification. My name means something to me and Transunion is in violation of the Fair Credit Reporting Act and something should be done about them. Transunion should not be in business. They care nothing about the laws, or consumers. Transunion should be held liable for their willful non compliance. This is the worst service I have ever received. ( XXXX XXXX Transunion XXXX XXXX. XXXX, XXXX   XX/XX/XXXX ). The public should be made aware of Transunion unethical business practices. As well as the Attorney General and Federal Trade Commission.
Product: Debt collection

Capital one has an account that originated in XXXX, in XXXX my husband 's wallet was stolen and they issued a new card. At some point XXXX bought capital one, and subsequently sold my debt to XXXX XXXX XXXX. According to XXXX XXXX XXXX, The debt is the capital one account that they are collecting on and they purchased it in XXXX. They indicate that the XXXX years is from the date that they purchased the debt and it will not just fall off until XXXX. These are reported separately on my credit report and I have disputed it several times. Neither company will remove the negative remark nor will they provide proof I had XXXX separate credit cards that I opened. I have never had a credit card with XXXX nor did I have XXXX capital one  accounts. The XXXX XXXX  account that was opened by my XXXX prior to my XXXX  should have been dropped off credit XXXX if this year.
Product: Credit card or prepaid card

I have applied for a new credit card with American express through their mobile phone application officer. Amex has been cheating customers by decreasing the credit line on the older cards when they apply for newer cards without the customer 's consent. I have been reading this online and just shocked to see they can play as they want. I know how smartly they can get away from the cheating they do by saying Amex has the right to do so. That is the reason I have explicitly asked the agent during the application would the credit line on older one decreased and he confirmed with a clear NO, can trace the voice recording and figure it out. 
I have tried to reach out to customer care service after I have received the card and he mentioned there is a manual request to decrease the credit line on my account, which is very unethical and I think it is illegal as well as they said something and doing something else. I have been trying to contact their customer service and they keep on making excuses and transferring to other departments and no one knows how to solve it correctly. 
I really want an explanation with concrete evidence of what went through the case and why they are lying to the customers and how do they get away with it.
Product: Credit reporting or other personal consumer reports

I filed a identity theft report in XX/XX/2023. Listed on my credit report is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have no contracts with either of these creditors.