23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My account details became exposed leading to funds being stolen from my Chime account. On XX/XX/year> money was sent from an undisclosed location from my account detailing a total amount of XXXX $ sent to a XXXX XXXX In New York XXXX the reason for transaction was only written as a symbol. I was very confused and attempted to regain control of my account the same day, changing my password and phonr number which had also been changed by an unknown party preventing me from accessing the account. The protections department was instrumental in reclaiming my account. My problems begin with Chime 's disputes department where i described the transfer, usimg chime 's pay anyone feature, which does not have any way to refund the amount transfered when it is sent to another chime member, and they promptly asked me support questions and for any documents before filing the dispute for investigation. On XX/XX/year> the dispute was resolved and treated as solved, although i never was refunded, nor did i have my funds replaced through any kind of loss compensation or insurance. Currently my appeal to reopen the dispute has been pending since i submitted it on Saturday, XX/XX/year>. I will request a new debit card and cancel my current one on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about this noted Company having a reputation as being an easy target for Identity thieves. I have been experiencing identity theft since XXXX, XXXX due to a Data Breach by XXXXt XXXX XXXX XXXX . XXXX XXXX  XXXX has my Case. Loans, Credit Cards, etc. were taken out in my name as these thieves had my personal info. due to this Data Breach. All Companies have been easy to work with, except for this company. I had well over 20 fraudulent inquiries on my Credit File. This company wants me to do all the work for something they allowed. This is not a XXXXustomer Oriented Company, and I would not recommend the financial services of this Company to anyone. 
XXXX XXXX XX/XX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Someone attempted to apply for credit using my name on XX/XX/2023, without my authorization. I have made several calls to JPMCB in an effort to obtain a fraud acknowledgment letter, but they have not provided it ( a week now ). XXXX has stated that they can not remove the hard inquiry from my credit report without this document.
Product: Debt collection

Received multiple letters/phone calls from Webcollex LLC dba CKS Financial, trying to attempt a debt. Requested a notarized debt validation letter between self and Webcollex LLC dba CKS Financial.
Product: Checking or savings account

I opened account with US bank using a promotion code of XX/XX/2023. I was told once my account had {$5000.00} in deposits I would receive {$300.00}. They have lied repeatedly saying they would research the account but dont have any intention of fulfilling the incentive.
Product: Debt collection

XXXX XXXX calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card account at XXXX XXXX. 
It was charged off for non-payment. 
However, I made a repayment agreement with XXXX XXXX to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and Experian ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement.

I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, XXXX XXXX is still reporting that I have not paid any of these accounts as agreed. 
I made an attempt to dispute this information with both the Credit Bureaus and XXXX XXXX  on XX/XX/2020. I was told by XXXX XXXX  that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This account continuously shows up my account past the CO date XXXX/202. Which is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXXIn accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Transword system incXXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXX dollars starting XXXX XXXX.The Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX XXXX  any Money XXXX I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit card

I purchased a hotel room through XXXX XXXX XXXX on XX/XX/2023, order # XXXX. XXXX XXXX XXXX advertised on their website best rate guarantee policy. I arrived at the hotel and the room was actually less than what XXXX XXXX XXXX charged at {$170.00}. I made a claim on the best rate guarantee on XX/XX/2023. In the morning of XX/XX/2023 the hotel room was infested with ants and bugs. I let the front desk know of the issue and they said they would let the bug guy know. XXXX XXXX XXXX posts on their website the procedure you have to follow to make a claim on the best rate guarantee. It lists an email address that you have to write to with the details. I did. At the end of that email is another email address you have to email and I did. Then there was another email to write to and that box does not respond and no one answers that email box. So I moved on to disputing the charge with Barclays XXXX, which asked for more information which I supplied by certified mail twice. Barclays card attempted to confuse the issue by disputing a different charge of {$170.00} which I did not dispute, that charge is paid. I asked for a refund based upon the published best rate guarantee by XXXX XXXX XXXX of which XXXX XXXX XXXX has dishonored their own published policy. I have spent XXXX hours preparing documents, printing emails, researching, mailing and making phone calls times {$400.00} an hour is {$1400.00} plus certified mails costs of {$9.00} and {$10.00} on the refund on XXXX XXXX XXXX order # XXXX of {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
5. The following personal information is incorrect Account Number : NAME : XXXX XXXXXXXX XXXX  XXXX 6. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Equifax would not allow me to put a freeze on my credit report after I was alerted to a Data breach. Their website after logging in will not let you place a temporary freeze, their customer service would not verify my ID, even after sending a photograph of my valid drivers license and a photograph of myself. After which I was locked out of the website entirely, including links from other credit sites, XXXX XXXX and XXXX. Their links to Equifax are dead links.I believe that as a for-profit company, it does not behoove them to allow credit freezes and therefore they intentionally make it impossible to do so.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, placed a collection on my credit report on XX/XX/2018 from a old XXXX XXXX debt. The account was already previously removed from my credit report and they some how were able to place it back on without sending me any written notices or letters. I have never received an official document from them. When I did dispute the collection they then threatened me on the report saying Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. But I still have not actually received any official letters or documents from them.
Product: Debt collection

robo call/voicemail left on my cell phone for a debt paid many years ago. Threatened legal action if i did n't call back. I called and a man answered, when i said i did n't have the case # he became very upset. I said i was recording the conversation, he said he was too. He verified who i was with my legal name and last XXXX of my social. I then said i needed him to mail me the info, he said i was being rude and that i interrupted him and he was n't going to put up with it, he would see me in court. Then he hung up on me. I called back, he immediately hung up on me. I called back and he said he was giving me a verbal warning that i was harassing him and he would sue me. Then he hung up on me again.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with my monthly rent payment reporting to XXXX. I have been using the BILT card to pay my rent, but I have noticed that the XXXX card company inconsistently reports their name to credit bureaus like XXXX. This inconsistency prevents me from having three consecutive months reported under the same lender, making it impossible for XXXX to recognize the consistency in the lender 's name. As a result, I am unable to participate in XXXX 's Boost program. I kindly request that all my payments be reported accurately and consistently, reflecting the correct lender name each month. This change should be applied retroactively to ensure my payment history is correctly represented, allowing me to benefit from the Boost program. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing 8 late accounts. These accounts were discharged under bankruptcy. While they are showing my bankruptcy, they are also showing 8 accounts as late when they have been discharged, therefore, lowering my score. XXXX and XXXX have it correct. This is an incorrect practice. I should be showing my bankruptcy not late accounts. I have already disputed and there was no change ; still showing late and it states it as late payments. Please correct this
Product: Checking or savings account

On XX/XX/year> at or about XXXXXXXX XXXX  ( PST ) I made a cash deposit at the Capital One Bank ATM located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. While counting the cash, the ATM turned silent and the following message appeared on the screen : " Withdrawals, cash deposits, bill payments, and check deposits are currently unavailable ''. The machine did not return cash and did not issue a deposit slip. 

On XX/XX/year> at or about XXXX XXXX  ( PST ) I contacted Capital One to advise that the money was captured by the ATM but the new balance is not reflected and I did not get a deposit receipt. 

After a detailed interaction with the bank 's representative, I was advised by that representative that the bank will not issue a temporary credit and instead, it will conduct a 10 days investigation only to determine if a temporary credit can be issued. 

I am not in a position to wait for this extensive investigation as I must pay bills and bank 's refusal to cooperate negatively affects me and my family.
Product: Money transfer, virtual currency, or money service

money transfered but not received at any location or desired location in XXXX XXXX XXXX XXXX XXXX I transfered {$760.00} to XXXX with tracking XXXX XXXX WITH WESTERN UNION but the money is not received .I have called western union and e-mailed several times but no response hence this complaint
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

Incorrect Address ( XXXX ) : Wrong 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 Correct : XXXX XXXX XXXX  XXXX List Erroneous/Inaccurate/Fraudulent Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681 e ( b ) Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

4. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA.

Enclosed are copies of my identification and proof of residence for your reference. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please REMOVE the following inaccurate items in my report : 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX
Product: Debt collection

Explained that i have no knowledge of company. Asked for documentation providing proof of accuracy of account. Never received. Company tried to verify to consumer reporting angecy that all information is accurate but impossible due to identity theft.