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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Your Account XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) + XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$3500.00} ( Credit Card Opened by the Thief ) Delete XXXX XXXX  XXXX, XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Product: Bank account or service

XX/XX/XXXX 2015Federal Bank RegulatorOn XXXX XXXX, 2015 Chase Bank confiscated {$14000.00} from my checking account. They did this with a simple debit entry. They did not provide any advanced notice. This was done without any discovery of fact procedure, arbitration or legal hearing. My account did not have sufficient funds and therefore was overdrawn. A check for local property tax was outstanding and subject to penalties. The entry that triggered this action was a direct deposit from the IRS on XXXX XXXX, 2015, a month and a half earlier. I have not received any correspondence from the IRS about any issues. I understand the clearing of funds between banks and the need to reverse transactions. Chase shows this in funds available for withdrawal. This normally takes days not a month and a half. I believe all issues are with Chase Bank and their handling of the transaction and their procedures for confiscating money. I have contacted Chase and they are working to resolve the error. I hope and expect the monetary portion to be resolved. What can not be resolved is the procedural issue which allows a bank to at their whim without notification and any formal procedure to confiscate money from an account holder. This requires Federal regulation. In summary my question is : Can a bank at any time confiscate money from an account holder without advanced notification and without a formal fact finding hearing? 

Banking is not practical without assurance of funds. If this is not legal, what is my recourse? 

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I Contacted Chime Bank on XX/XX/2023 after I noticed 3 charges in my transactions that I did not initiate or authorize. I informed Chime that I did not recognize or authorize these transactions and also informed that I had misplaced my card at some point. I reported the three transactions for dispute and cancelled my debit card, then ordered a new one. Chime informed me that they would investigate the matter and I was eligible to receive a provisional credit and would by XX/XX/2023 if they were unable to resolve the dispute. 

I then received an email on XX/XX/2023, informing me that Chime concluded no error had been made and the claim was denied. I would also be able to request the documentation Chime used to determine this outcome. 

I requested the documentation and was informed that I would receive the documentation within 10 business days. I still have not received the documentation! 

After the initial claim was denied, I reached out to one of the vendors in regards to the charges. I informed the vendor that I did not authorize the charges and would like a refund. The vendor apologized and then informed me that I would need to contact my bank for a refund. I took screenshots of the chat transcript and contacted Chime. 

On XX/XX/2023 Chime bank informed me that I could submit a rebuttal for the denied claim and email any supporting documentation. I emailed Chime and attached the screenshots indicating I reached out to the vendor and I forwarded the email from the vendor and submitted my rebuttal. I was then told Im still eligible for a provisional credit. 

On XX/XX/XXXX, I received an email from Chime informing me that the claim was denied. I informed chime that I had submitted a rebuttal and I requested documentation from the first claim. I called Chime XX/XX/2023 and was informed that the rebuttal claim was denied. I then called Chime on XX/XX/2023 to submit a second rebuttal and asked Chime to remove one of the three charges from the claim because the amount was small ( {$30.00} ) and I would deal with the two remaining charges. I was informed that I was still eligible for a provisional credit by XX/XX/2023. 

On XX/XX/2023 I received an email from Chime stating that I had withdrawn my claim. I called Chime and my call was escalated to a supervisor on the dispute team. I informed him that I still hadnt received paperwork from the first claim back in XXXX and that I didnt withdraw my claim. The supervisor then informed me that he would escalate the issue and ask for more information. I then emailed chime on XX/XX/2023 and requested for them to send me call logs from all conversations to indicate I had chosen to do withdrawal my claim. 

Chime needs to do better and hold themselves acceptable to the deadlines they establish and deliver on promises they have in writing. There is no reason I have no obtained the supporting documentation used to determine the outcome of my claims.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} INQUIRIES : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with TransUnion, XXXX, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

Details of the Inaccuracies Incorrect account dates that do not match the original creditor 's records. 
Inaccurate balance amounts, which are not consistent with actual account statuses. 
Payment history errors, such as reporting late payments that never occurred. 
List of Accounts with Errors The following accounts contain inaccuracies : Account XXXX : XXXX XXXX XXXX XXXX Account XXXX : XXXX  XXXX
Product: Vehicle loan or lease

AutoCash finance will not release after car loan have been paid. They say the are not able to release the Georgia electronic lien.
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my consumer right under 15 USC 6802 to opt out of any information sharing by Eagle Loan Company of Ohio.

Additionally, I would like to address an important matter regarding my account, which has been charged off. Despite this, I have not received a Form 1099-C ( Cancellation of Debt ) from your company. This omission has resulted in inaccurate reporting of my account status. Therefore, I request that this account be deleted from your records to reflect its accurate status.

Please confirm in writing once this request has been processed. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to dispute an account ( XXXX - XXXX ) on my report on XXXX/XXXXXXXX. This company never sent a 1099 as well as furnished MULTIPLE discrepancies on report including date of last payment, last active etc. The account was charged off but there was still a past due balance. They stated the information was verified but was not able to produce how the information was verified. This company was also inaccurate with my payment HISTORY. I disputed this account with all 3 bureaus and urge this account be deleted for violating 15 usc 1681eb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

JEFFERSON CAPITAL SYST THIS WAS FOR AN ALLEGED SPRINT BILL I HAVE NEVER HAD XXXX  ALWAYS HAVE HAD XXXX I INFORMED THEM IT WAS NOT MINE. 
IT WAS FOR {$790.00} AND THIS WAS FROM OVER XXXX YEARS AGO THEY ASKED FOR A PAYMENT WHEN I REFUSED I WAS THREATENED THAT THEY WOULD MAKE SURE THIS ALWAYS STAYS ON MY CREDIT REPORT IF I DO NOT PAY THEM. I REFUSED AND THIS IS NOW HAUNTING ME MORE THAN XXXX YEARS LATER. 
I EVEN CALLED THEM RECENTLY TO TRY TO JUST PAY THEM TO REMOVE IT FROM MY ACCOUNT AND THEY INFORMED ME THAT THEY DID NOT OWN THE DEBT AND COULD NOT TAKE A PAYMENT. 
WHEN I INFORMED THE CREDIT BUREAU AND ASKED THEM TO REMOVE IT UNDER A DISPUTE. THE BUREAU DID NOT REMOVE IT AND ADVISED THAT JEFFERSON CAPITAL PROVIDED THEM INFORMATION THAT MEETS THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit reports, I noticed my XXXX Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and Transunion reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.
Product: Prepaid card

I have had a problem with this account since the pandemic. They froze my account more than once, which left me in a very bad situation. I was homeless during most of the time that this occurred. I had to pay for many charges I did not make, and many duplicate charges which totaled {$10000.00}. I reviewed every ledger sheet and highlighted these charges, along with check marks on each duplicate entry. When calling Bank of America, the employee was very nice, and assured me he would file disputes on each and every charge. So, I spent 3 hours on the phone the first call to file the original disputes and I waited for their response. I have spent so much time trying to get the results I feel I deserved, but I did get a check for {$4400.00} dated XX/XX/XXXX. I am very grateful to have received that refund, but I felt that they were overlooking the whole problem. I think they thought I would just go away if they sent something. This whole episode has really taken its toll on me. They acted as though it were my fault that this happened, and they treated me as though I had done something wrong. They would not allow me to access my account for weeks at a time. They were not helpful in trying to communicate anything as to why I could not have my money. They just said they were investigating my account. I enclosed a letter from a check they sent back on XX/XX/XXXX, which I never received until the end of XX/XX/XXXX for {$160.00} so I was unable to cash because it was void after 90 days. I have tried to explain why I want them to be accountable for their actions. I think you will be able to see what happened to my XXXX account just by looking over the enclosed ledger sheets. This has truly been a nightmare, and I know I am not alone. Many people have suffered great loss from this whole situation. I hope that they will do the right thing and give me the rest of the monies they kept from me and return the {$1000.00} that was not spent by me at a smoke shop! I hope I have given enough information for you to review and I would be glad to answer anything else you may need to further assist me in this matter.. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX, XXXX : XXXX Balance : {$4700.00} XXXX  XXXX XXXX XXXX XXXX : {$6400.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

The representative for First Horizon Bank, Attorney XXXX XXXX XXXX stated under oath in a federal tribunal hearing that I had signed for Certificates of Deposits and Money Markets in regards to my deceased partner who I was the listed Co-Owner at First Horizon Bank. I am requesting the account numbers for all CDs and Money Markets held by us as Co-Owners at XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX, 2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX , XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Product: Debt collection

I am filing this complaint against Midland Credit Management ( MCM ) for their failure to adhere to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the principles of the Truth in Lending Act ( TILA ) in their handling of an alleged debt they claim I owe. 

Failure to Validate Debt ( Violating FDCPA 809 ( a ) ) : I sent two certified letters to MCM requesting validation of the alleged debt, as mandated by the FDCPA, specifically under 809 ( a ). Despite these requests, MCM has failed to provide any such validation or documentation proving my obligation to pay the alleged debt. These requests were made on XX/XX/XXXX and XX/XX/XXXX, with USPS tracking confirming their delivery. 

Unauthorized Collection Actions Without Providing Debt Validation ( Violating FDCPA 809 ( b ) ) : Despite my requests for validation, MCM proceeded with collection actions, in direct violation of 809 ( b ) of the FDCPA, which stipulates that collection activities must cease until the debt is validated. 

Lack of Notice Regarding Debt Sale ( Impacting Rights Under FCRA and TILA Principles ) : I received no notification of the debt 's sale to MCM, a practice that seems contrary to the transparency and accuracy required by the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), which mandates the furnishing of accurate credit information, and principles under TILA, which emphasize the importance of informed consent and disclosure of significant financial information to consumers. 

Ignored Attempts for Information ( Undermining FCRA 611 and FDCPA Principles ) : My attempts to obtain information regarding this debt have been consistently ignored by MCM. This behavior not only contravenes the FDCPA 's mandates for fair debt collection practices but also undermines the FCRA 's 611 provision, which gives consumers the right to dispute and obtain information about the accuracy of information reported to credit reporting agencies. As of this correspondence MCM has not provided the original contract, terms of agreement, proof of reassignment of the debt, and other supporting documentation required by law. 

I urge the CFPB to take immediate action against Midland Credit Management for these violations and to ensure that my consumer rights are upheld in accordance with federal law.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Global Payments Check Services consumer credit report sent to me via mail.
Product: Money transfer, virtual currency, or money service

This complaint is related to current case # XXXX, involving XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX Instead of XXXX XXXX refunding me monies of $ XXXX, he instead referred me to this other investment program known as a XXXX XXXX XXXX being operated by a XXXX XXXX with the bank account registered under a business name of XXXX XXXX XXXX This involved $ XXXX being wired to this specific XXXX XXXX  account by XXXX XXXX XXXX bank , with XXXX bank not trying to contact me regarding me giving final authorization to complete this transaction, they just went ahead and processed the wire. It also has turned out that this investment program has been operating fraudulently according to the contract that is being used by XXXX XXXX and possibly operating as a Ponzi scheme were new investor money is used to pay old investors. 
I plan on providing proof of the wire transfer being submitted by XXXX bank on XX/XX/year>. Again this was done without me providing a final authorization. I have tried numerous times to request a refund of monies by contacting XXXX XXXX and XXXX XXXX with proof showing a request to XXXX XXXX on XX/XX/year> with no response from either party. The checking account which monies were wired to involved a fraudulent investment known AS a XXXX XXXX investment that never paid out profits and is possibly operation as a Ponzi scheme. For these 2 reasons I am requesting a refund of all monies previously listed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I the consumer XXXX XXXX is making a statement I noticed negative marks on my report TransUnion is reporting inaccuracies on my report however these accounts are closed, and the balances, and account type on my reports are inaccurate. ( ACCOUNTS : XXXX XXXXXXXX ) it shows on my report the account type : open, remarks closed, also the date closed shows XX/XX/year>, XX/XX/year>, and the balances on each of them are inaccurate. If theres a date which shows the account was closed how is the account type OPEN this is inaccurate information. According to the FCRA, any inaccuracies should be removed from consumer reports. U.S.C 1681b permissible purposes of consumer reports it states a consumer report may furnish a consumer report under the following circumstances and no other in response to the order of court having a jurisdiction to issue such order, child support, employment, and credit. Which means TransUnion is violating the FCRA. I ask for TransUnion to remove these closed accounts from my credit report which are in violation of the FCRA, and theyre affecting my credit worthiness.