23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : Preferred Lease # XXXX balance {$5000.00} 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 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

am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation. 
XXXX and remove them permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian thru my membership with them that I am a victim of identity theft
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 XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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

I am formally disputing and requesting the immediate removal of these fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. 

The banks have acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has mistakenly been on my report for over five years. 

However, these fraudulent accounts are still on my report under your bureau, and I am curious about the confirmation process you have conducted. XXXX and XXXX credit bureaus no longer report these fraudulent accounts since the submission of the required documents. Why is your bureau still reporting these accounts, and what actions are you taking? Additionally, I have contacted the banks associated with the following fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything. 

I explained this to XXXX once I received a bill and they agreed. 

A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ). 

The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.
Product: Credit card or prepaid card

I have reached out the American Express several times attempting to remedy this situation. All times they have failed to comply. 
I applied for XXXX credit cards with American Express in XXXX of XXXX. After crediting them twice, I received nothing. 

Credit pursuant 15 USC 1602- the term credit means the RIGHT granted to a creditor by a debtor to incur debt or to incur debt and defer its payments. 

By American Express denying me of credit cards twice -blaming it on credit bureaus- they are acting as if they are XXXX. Only XXXX can take away my birth rights. I am the original creditor! I credited American Express to EXTEND credit to me. 

If you have an extension cord and plug in something, does the power come from the extension cord or the source the extension cord is plugged into? The answer is the latter. 

I have sent a letter to American Express by certified mail that was delivered XXXX weeks ago. As well as reaching out the representatives from the company expressing the fraud that has taken place. 

American Express has violated title 18 USC section 241- Conspiracy against rights! Title 18 USC section 242 - Deprivation of rights under XXXX of law! Title 42 USC section 1983 - Civil action for deprivation of rights! Title 42 USC 1985 - conspiracy to interfere with civil rights! Title 42 USC 1986 - Action for neglect to prevent!
Product: Credit card

I have a credit card account with Bank of America for the purpose of a balance transfer promotion. This balance transfer promotion is until XX/XX/XXXX. I called Bank of America to see if I could add additional purchases and if they would be covered under the 0 % apr. I was informed that they would be. I made a purchase and on my next billing cycle was charged interest. I called Bank of America again, to see why this happened. The representative informed me that my new purchase was NOT covered under the 0 % apr and to avoid further interest charges, I would need to pay off the new purchase amount in full. I did this. I received my next statement with even a larger interest charge and again called Bank of America. This time I was informed by both a representative and supervisor that my payment was only partially applied to my higher rate purchase and the rest was applied to my balance transfer of 0 % interest. The supervisor told me there was nothing she could do except reimbursement this once for the interest charge. Through my research and what I have read about the Credit Card ACT of XX/XX/XXXX, this company is not abiding by this legislation. I was misinformed on XXXX separate occasions by the same company.
Product: Payday loan, title loan, or personal loan

we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

i have a inquiry on my credit report that i did not authorize by XXXX on XXXX/2023
Product: Debt collection

This company reported to the credit bureaus that I owe them a debt of {$380.00}. They have never provided proof of any kind to me. This debt is not mine and I don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I found items in my report that is not supposed to be there.
Product: Credit card or prepaid card

On XX/XX/2020, Chase Bank N.A. sent me an e-mail message with the subject line " Please review : ( NAME REACTED ), action needed for your credit card payment. '' the message went on to state " Make a payment to stay on track '' and " Your minimum payment of XXXX is due on XXXXMaking payments on time keeps your account up to date. '' On XX/XX/2020, I went to the Chase.com website and scheduled a {$4600.00} payment ( which was the full balance due ) to be made on XX/XX/2020, on this account. I have had this credit card account for approximately four years and have never been late on a payment. 

When Chase Bank N.A. sent me the above-referenced XX/XX/2020 e-mail message in which they stated, inter alia, " Action Needed '' I was deceived into thinking that I was required to take some sort of action or would risk being " off track '' as their message stated. Chase Bank N.A. knew, or was careless or negligent in not knowing, that I had in good faith scheduled a payment in full for the account on XX/XX/2020, and had not cancelled or altered it in any way. I feel that Chase Bank N.A. targeted me for misleading marketing due to my age and/or my political beliefs, both of which are protected by federal law. 

On XX/XX/2020, I wrote to Chase Bank N.A. through their website ( www.chase.com ) and expressed my concerns ; on XX/XX/2020, they replied " I have forwarded your message to the appropriate department for review. We will contact you again in the next 10 to 14 business days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX XXXX : {$3900.00}
Product: Credit reporting

XXXX dollar tax lein has reported on my credit report and has been satisfied over a year ago. I have re leased letter. Need to have removed from all credit reports. Please advise as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

Someone stole my credit card then charged {$17.00} on the card. I contacted the issuer of the card ( USAA Bank ) and informed them of the fraud. I sent an ID theft affidavit and a police report. USAA Bank is refusing to remove the negative information from my credit report thereby violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$640.00}
Product: Checking or savings account

I am an XXXX national who lived in the XXXX to study from XXXX to XXXX. I opened an account with Washington Mutual which was later taken over by Chase. Since leaving the XXXX I have had considerable problems accessing my account, with access to my online banking denied for many years on the grounds that my identity can not be confirmed without coming into a branch, something that is not possible in the foreseeable future. I believe the account only has around XXXX in it, so a trip to the XXXX from XXXX- where I now reside - makes no sense. In XXXX I briefly regained access after a friend connected me to a lawyer who was able to confirm my identity with a branch manager. Sadly I have been unable to reconnect with him for additional support. I can supply my social security number, addresses linked to the account since opening, recent sources of incoming funds and the persons to whom I made outward transfers when i regained access. I still receive monthly emails and post from Chase. The account is now linked to my friends address in Minnesota. I was even notified by email about the new branch manager in XXXX XXXX XXXX who I requested support from but was told, again, the only option was to come into a branch or call the main customer service line. I cant believe there is no way to verify my account other than to come into a branch. At XXXX point a customer service rep said the only alternative would be for the branch manager who opened my account to verify my identity. Given this manager worked for Washington Mutual almost XXXX years ago in XXXX, I dont see how there is a realistic expectation that I could find him and that he would remember me. If another person can verify my identity I have ample personal, academic and professional contacts in XXXX XXXX  who could do this. I seek support to find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an reinvestigation into my credit file with Transunion. They responded by deleting items from my credit file. They are civilly liable for the reporting of this information and in violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied housing, and almost employment due to inaccurate criminal background information on my Transunion screening report. The report indicates that I was found guilty 13 years ago of a misdemeanor when in fact I was found NOT GUILTY and the charges were expunged. It also has false traffic violations etc. I have tried to dispute for years, Ive it to no avail they continue to tell me that they dont have it on report and transferring me to different departments that refuse to assist me. I am desperate for help. This has ruined my livelihood completely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXXXXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Debt collection

Fraudulent account, inaccurate info, reporting inaccurate and fraudulent information back to my credit
Product: Checking or savings account

Your Name : XXXX XXXX XXXX [ Your Address : XXXX XXXX XXXX Place City, State, Zip Code : XXXX, IN XXXX [ Phone Number : ( XXXX ) XXXX [ Email Address : XXXX Date : XX/XX/year>XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX Washington , DC XXXX Re : Dispute Settlement Payment Agreement Regarding Unresolved Compensation from Chime Financial ( XXXX XXXX XXXX  ) Dear Sir/Madam, I am writing to formally address the issue regarding my unresolved compensation related to the settlement between Chime Financial and the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year>. 

As part of the settlement, Chime Financial agreed to pay at least {$1.00} XXXX in redress to consumers who were harmed by the delayed refunds of their account balances. Specifically, the settlement promised that consumers who had an unrefunded balance of at least {$10.00} or more after 14 days from account opening disputes and or closed accounts would receive compensation. 

Although my account with Chime has not been closed, I have not received any compensation, despite the fact that I am owed approximately {$3000.00} under the terms of the settlement. The refund delay caused significant harm, and despite winning my case with the United States Government, I have yet to receive any compensation. 

I respectfully request the following : 1. Immediate Issuance of Compensation : A payment of approximately {$3000.00}, which I am owed under the terms of the settlement agreement between Chime Financial and the CFPB. 
2. Confirmation of Payment : A written confirmation or communication from the CFPB that the payment has been processed and is on its way. 
3. Timeline for Payment : A clear timeline for when I can expect the compensation to be issued, along with any tracking or reference number for my case. 
4. Explanation for Delay : A statement regarding the reason for the delay in processing my compensation and the steps being taken to ensure that this issue is resolved promptly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency XXXX, block information appearing on my consumer credit report that is a result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the afore mentioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.
Product: Debt collection

XXXX XXXX with Model Finance in XXXX XXXX CA has contacted me multiple times by phone and text ( also attached photos of another family member 's home ) on the pretext of trying to collect a debt from my XXXX yr old son who does not live at my home. He also had a representative deliver a letter to my home and a letter to another family member 's home addressed to my son - who does not live with either one of us. I had no part in the financing or application for financing for the recreational vehicle for which he says a debt is owed.