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

I bank with chime also know as XXXX Bank. They have a pay anyone bank transfer system. And on the XXXX XXXX at XXXX I initiated a bank transfer to my niece XXXX XXXX, but the transfer never got to her somehow her phone number is connected to an account of a XXXX XXXX. At XXXX when I realised this mistake I contacted my bank and informed them of this fraudulent transaction. The banking representative asked me to provide a copy of my nieces bill showing that her phone number belongs to her and that it is not a prepaid phone number also a copy of the screenshot where I typed in her phone number and it showed her name in my contacts but the money still went to XXXX XXXX. I provided this information to the bank I also filed a police report and the bank denied my transaction saying no error occurred. this dispute was denied in less than XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, 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 does state a consumer reporting agency can not furnish a account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and purpose.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE XXXX ACCOUNT IS STILL REPORTING MISINFORMATION TO MY PROFILE. AFTER SEVERAL ATTEMPTS FROM CONTACTING THE CREDITOR DIRECTLY AND CREDIT BUREAUS VIA CERTIFIED MAIL. I WAS ADVISED THE ACCOUNT WOULD BE REMOVED DUE TO THE INACCURATE INFORMATION BEING REPORTED. THIS HAS SEVERELY IMPACTED MY CREDIT. 

EACH COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681 EB. 

THESE COMPANIES ARE REPORTING INACCURATE : PAYMENT DATES, PAYMENT HISTORY, AND ACTIVITY. THIS ACCOUNT SHOULD'VE BEEN REPORTED AND FURNISHED THE EXACT SAME TO ALL CREDIT REPORTING AGENCIES. AS AGREED THIS ACCOUNT WAS, PAID, SUPPOSED TO BE UPDATED AND DELETED FROM MY CREDIT PROFILE.
Product: Debt collection

Date opened :XX/XX/XXXX Date reported : XX/XX/XXXX Delinquency first reported XX/XX/XXXX Amount : {$1000.00}
Product: Credit card or prepaid card

I had filed a dispute against XXXX XXXX on XX/XX/XXXX. Claim # XXXX for {$200.00} as the refrigerator that was delivered to me was missing the internal shelves. XXXX had refunded me {$380.00} which you will see as a credit on my account and this refund was due to scratches and external damage on the exterior of the refrigerator. When I asked XXXX to refund me for the internal shelves, they said they wouldn't refund me for the shelves and would refund me only for the external damages and those shelves cost {$200.00} and that's why I disputed only {$200.00}. 

When I initially opened this dispute, I had clearly mentioned to the bank that the credit of XXXX was for external damages and I still need credit for the internal shelves that XXXX is refusing to give and hence this dispute. 

I got a letter from the bank on XX/XX/XXXX stating that " thank you for letting us know that you no longer wish to dispute the {$200.00} and we are closing this dispute '' - Are you serious? I never ever called you to cancel this dispute. you guys closed it on your own without any consent which is ridiculous. When I called the bank they stated that XXXX already gave you a credit of {$380.00} so we canceled this dispute. Are you serious? Did you even read my initial claim properly? I need this dispute reopened and {$200.00} back from XXXX or the bank whoever wants to give it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts.

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions US DEPARTMENT OF ED ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act US DEPARTMENT OF ED Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account 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 a account without my written instructions XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & # account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers 1 to 26 has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX  7. XXXX XXXX 8. XXXX XXXX  9. XXXX XXXX  10. XXXX XXXX  11. XXXX XXXX  12. XXXX XXXX  13. XXXX XXXX  14. XXXX XXXX XXXX. XXXX XXXX  16. XXXX XXXX  17. XXXX XXXX  18. XXXX XXXX  19. XXXX XXXX  20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX  23. XXXX XXXX  24. XXXX XXXX  25. XXXX XXXX  26. XXXX XXXX  15 USC 1681 section 602 A, states that I have rights to privacy.

15 USC 1691 Section 604 A, state that a consumer reporting agency can not furnish a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in reference to some unauthorized inquiries on my report. I requested they be deleted. 
Equifax sent information back to me stating the information I disputed had been received, but failed to state they investigated and verified the results. They stated the inquiries are factual record. I would also like documentation as to how they determined these inquiries were factual record. They also stated they were results of a REINVESTIGATION, but this was the first time I had made this request.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX southwest credit systems. {$210.00} XXXX {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported a late payment on my account causing my credit score to drop significantly after I stated previously times my car was stolen and the insurance pay my car in full. The last payment I made was XXXX. My car was stolen XX/XX/XXXX and the insurance approved the claim XX/XX/XXXX. They issued out the payment to td today is now XX/XX/XXXX and td claims they havent received anything and there was two separate checks sent out and I received my check XXXX XXXX2023. And td claims they still havent received anything after the insurance stated they sent it out twice. There was a representative who I feel was very XXXX to me and I feel he or she may have parts into playing with my account causing my account to recieve a late payment to the credit bureau I will be filing a civil lawsuit against them as well
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Credit reporting or other personal consumer reports

I viewed my credit report and notified the credit agency OVER XXXX ago that my credit report had fraudulent accounts. 
I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from XXXX YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.
Product: Vehicle loan or lease

My car was repossessed by my auto lender EXETER Finance on XX/XX/2022, according to ( Cal. Civ. Code 2983.2 ) Before selling the car, your lender must provide you with a notice at least 15 days before the sale date & to collect a deficiency, the notice must be given within 60 days of the repossession and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. The deficiency letter has a date of XXXX XXXX but I did not receive any contact from the company in the month of XXXX at all and I did not receive the deficiency letter until I had to call them on XX/XX/2022 and I have the secured email to prove I wasnt notified of the deficiency letter until 83 days after the car was repossessed thats well over 60. I tried to speak with them to get them to realize theyve violated a California Civ. Code and they did not remove the debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX XXXX Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXXXXXX XXXX XXXXXXXX Account Number : **** Please remove it from my credit report. 
3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. XXXX XXXX amount {$140.00}. 

XXXXXXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. XXXX XXXX amount {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/2018 XXXX XXXX - Twice i didn't authorize neither from XX/XX/2018 Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Debt collection

Debt collector is seeking payment on an inaccurately reporting account that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

Equifax Customer Data Breach ( Case XXXX ) I have been impacted by Equifax, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : Opened : XXXX : {$6300.00} XXXX XXXX : Opened : XXXX : {$640.00} XXXX XXXX : Opened : XXXX : {$1700.00} XXXX XXXX  : Opened : XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$820.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$96.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$90.00} After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Debt collection

I called waypoint directly and they had no record of an account under my name, social, or phone number, once I told them it was a XXXX debt that gave me a number to call at XXXX. I talked to someone there and was told they have no record of my account ever going to collections. I have disputed this account with all the credit bureaus and they all have removed it but XXXX. They keep coming back with it being a legit debt and update the account with a number I can call. I have called this number over and over and it doesnt lead anywhere. No one ever picks up. I want this taken off all bureaus since its not accurate. The debt doesnt exist