23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 and again on XX/XX/2024 there were XXXX hard inquiries on my credit report from JPMCB Card Services. Neither of these were authorized or consented by me as I did not complete a credit application. 

Additionally, XXXX phone numbers that I do not recognize are linked to my credit report. These are # XXXX and # XXXX I have been in contact with JPMCB, and they have denied/cancelled both credit applications, as well as connecting with the credit bureaus seeking a fraudulent claim with ask to have the XXXX hard inquiries and the XXXX phone numbers removed from my credit report. All credit bureaus have frozen my credit and placed fraud alerts. They have advised that I report this to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company 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 an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including XXXX, TransUnion, and XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX, I transferred SHIBA from my Coinbase Wallet to my Coinbase SHIB Wallet account, I paid the required fees as mentioned but still have not received my money in the SHIB Wallet of my Coinbase account, Have tried to send emails, call Coinbase, send all the pics and images but there has been no response and Coinbase in obstructing and holding my SHIB fund money without any update or response. If you can please help me recover my XXXX $ plus XXXX $ from Coinbase Wallet, this is the amount as of XXXX at XXXX, would really appreciate your help and prompt resolution Thank you Sincerely XXXX XXXX XXXX XXXX XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue I have been experiencing with Equifax regarding my credit report and their refusal to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. After submitting the necessary documentation, including a police report and FTC reports regarding fraudulent trade lines, I expected Equifax to act promptly. However, they have failed to comply with the law, which stipulates that upon receiving such documentation, they must block the fraudulent accounts from reporting on my credit report within XXXX days. 

Instead of taking appropriate action, Equifax has placed my case in a XXXX dispute and falsely claims that the creditors have verified the accounts as correct. To investigate this matter further, I reached out directly to the banks reporting these fraudulent accounts. Each bank confirmed that Equifax never contacted them regarding the trade lines in question. This behavior is troubling, as it appears Equifax is prioritizing its financial interests over the legal protections afforded to victims of identity theft and fraud. 

It is critical for credit bureaus to understand that cases of identity theft are not ordinary disputes. These are serious matters involving fraud where someone has obtained credit, merchandise, or loans in another person 's name. The ongoing presence of these fraudulent accounts on my credit report has caused immense pain and suffering, preventing me from obtaining necessary credit to care for my family and meet our needs. 

XXXX years ago, I filed a lawsuit against Equifax, which they settled, acknowledging their wrongdoing. More recently, I filed a second complaint lawsuit against them but chose to pause the proceedings, hoping they would take the necessary steps to resolve this matter and restore my credit. 

I was disheartened to learn that the CFPB is currently suing Equifax for {$15.00} XXXX for similar failures to comply with the law. This tells me that millions of people are being held liable for their failure to provide adequate oversight. It is my hope that you take my situation seriously and take the necessary actions to ensure my credit report is corrected, restoring my reputation in the process.
Product: Checking or savings account

Chime bank/ XXXX bank froze my bank account on XX/XX/XXXX at XXXX claiming I broke internal policies. 
No reason other than has been given. 
They requested Proof of identity Photo of ID front and back Proof of Address I submitted these documents and they claimed they needed more information and requested a W-9 I submitted that information and have not received any communication afterwards.

I have emailed 10 times and called multiple times and have been told i should of been updated in 24/48 hours but I have received no updated at all.

Multiple workers have said they will escalate the situation but when I call again the next worker tells me it has not been escalated. 
I need access to my funds and I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was XXXX  when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.
Product: Vehicle loan or lease

Pre-approved for auto loan at 3.23 % for a new car XXXX model year for up to XXXX XX/XX/XXXX USAA member # XXXX Confirmed the rate on XX/XX/XXXX at 3.23 %. Had to verbally go over the terms of the deal with USAA Submitted request for payment forms to Dealership {$61000.00}. 

Received a call from USAA that since it was a XXXX new USAA would not longer honor the confirmed rate and had to raise it 3.58 %. 

USAA refuses to honor the original confirmed rate. Please explain how this is not a bait and switch
Product: Debt collection

I have been harassed and threatened by this company for over three years now and this company has yet to prove anything to me on what debt they claim I owe! This has affected me since XXXX  a total of XXXX YEARS of this misrepresentation on my consumer report. They have been collecting money on this account since they purchased and it is unacceptable!
Product: Debt collection

We are trying to buy a home and when pulling our credit report it is showing AR Resources , Inc 9 times with Medical Health Bills. It is from XXXX XXXX when my husband was in last year. The amounts range from {$61.00} to {$560.00} Totally just over {$3000.00}. They each have different account numbers. My lender told me to pay the smallest ones and work my way up and they would come off as I pay them. And our score would improve each time. I paid 2 payments and they did not drop off. When I called I was told they could not take those two payments off of the credit report until it was all paid in full. I asked why they did not have it as one account then and one payment. He said that is how it was sent to them. So I asked again then why when I pay off one acct payment why that one still shows up when it has been paid. They are taking my payments and spreading them though the whole amount and not paying off each account separately. I have called our insurance company XXXX and they said they did not understand why it was that way on our credit either because it should been one lump amount not several small amounts. They are not even sure if those bills were ever sent to them for review before they were sent to a collection agency. When I had them check the amounts to what they were billed they do not see these amounts. I have also asked the AR Resources if we can settle for a lesser amount to get it all off of our credit and they have told me no. They can not. It needs to be paid in full. Which now we owe {$2900.00}. I aIso have a bill from the hospital which shows some of these same amounts saying we were uninsured. Which is not the case. So thinking some of these were never sent though the insurance. I have asked for an explanation of the bills that were sent so that I can check the dates that were billed, they said they will be sent but could take up to 30 days. There are also duplicate amounts on there that seem to be the same. I have called the Insurance commission but since it is not an insurance problem more of a collections agency problem they gave me this email to file a complaint and said you may be able to help me with it.
Product: Debt collection

Hello CFPB, This complaint is for XXXX. There was fraudulent charges that were done with and without my card ( manually ) and I discovered the fraud when I went to my XXXX XXXX account and saw an unusual high balance that should not have been that high at that time. I filed a dispute in the amount of {$6300.00} for the fraudulent charges that were done on my account ending in XXXX. The initial claim number with XXXX is XXXX. XXXX is falsely accusing me that there was no fraud indicated when in fact there was. XXXX and its employees that contacted me to ask me questions were very rude and they were accusing me that there was no fraud when in fact there was. On XX/XX/2022 I spoke to another agent in the fraud department and she informed me to file a police report which I did so they can re look this claim. On XX/XX/2022 I filed a police report in the amount of {$6300.00} which I will attach to this complaint. XXXX is not only accusing me falsely but they are also holding a innocent card holder to pay a balance that does not belong to me. They are also jeopardizing my credit because if the balance is not paid they will report it to my credit bureaus which they should not because I do not know what those charges are coming from. I have never been late on any of my payments with XXXX and they are holding and jeopardizing my credit for a balance I am not obligated to pay for since I have no knowledge in those transactions. XXXX and its 2 workers that contacted me were very unprofessional and were falsely accusing me. XXXX needs to be investigated for falsely holding someone responsible for a debt I have no knowledge in. I will be attaching my police report that I completed on XX/XX/2022. XXXX has no right to accuse a innocent individual and jeopardize there credit for transactions I have no knowledge in. CFPB please investigate XXXX for unrightfully blaming me and holding me responsible for a balance I am not obligated to pay by law since I have no knowledge in those transactions. Please investigate XXXX. By law a consumer is responsible to only pay for debt they create and in this case those charges were not created by me however XXXX is threatening my credit that I have worked extremely hard to keep clean. These charges have been reported to the police. I will also be filing a complaint with the CA Attorney General towards XXXX for falsely accusing me and holding my credit as XXXX for a debt I am deemed not responsible for. Thank you.
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 : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms 36 Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} Terms 1 Months1234, Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} Terms 84 Months Account name :, Account name : # XXXX, These Companies 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

This is not my account and was open due to fraud. 
Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/year> Status Open/Never late. 
Status updated XX/XX/year> Balance {$23000.00} Balance updated XX/XX/year> Recent payment {$590.00} as of XX/XX/year> Monthly payment {$490.00} Original balance {$26000.00} Highest balance - Terms XXXX Months
Product: Mortgage

I have called Freedom Mortgage several times on XX/XX/XXXX and XX/XX/2019 as well as today. I have asked them several times about my yearly escrow analysis which is done the first week of XX/XX/XXXX every year. The representative today said she does not see where they have started on my escrow analysis and that my mortgage payment will still be the same next month. I told her " that would not be fare because I have already did my own calculation of my yearly escrow analysis and my payment will go down as well as they would owe me a escrow refund check. She stated that, since she does not see where they have started on it all she can do is put in a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and for the year XX/XX/XXXX enter the Alma Financial program ( license XXXX   XXXX ) to help us consolidate our debts in a single monthly lake. We were in the program until XX/XX/XXXX, since I completed the correspondent payments with my clients. With the exception of a single creditor, who rescues them, since, as we are trying to buy our first home, in the managements of it, we realized that we were affecting the credit and decided to handle it personally without intermediaries. Today I have communicated four times to the offices, because we need a payment experience letter. I even went personally and it is closed, they do not have a fixed schedule. They do not attend clients in person. I urgently need that letter, since, we are in mortgage process. First they respond that they can write me a letter because I'm not in the program anymore. Then they tell me they have to talk to management, but they are not available. Then they tell me, that it is the legal division that has to do the most. And finally they tell me that they are going to send me a letter indicating that we already cancel the program, and they will send it by mail but in several weeks, they do not know when they can do it because they have a lot of volume. I'm terrified that because of the inefficiency of this program, I can not get my home. At this time, my family is living separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureau Transunion on XX/XX/XXXX regarding being a victim of their inquiry issue. Customer service refuse to help me remove the unknown inquires. I have listed them below 1. XXXXXXXX XXXX XXXX CREDIT REQUESTED ON XX/XX/XXXX 2. XXXX  Requested on XX/XX/XXXX & XX/XX/XXXX 3.XXXX  REQUESTED ON XX/XX/XXXX 4. XXXX XXXX XXXX REQUESTED ON XX/XX/XXXX & XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX  REQUESTED ON XXXX, XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX REQUESTED ON XX/XX/XXXX & XX/XX/XXXX 7. XXXX XXXX  XXXX  Requested on XX/XX/XXXX & XX/XX/XXXX 8. XXXX REQUESTED ON XX/XX/XXXX 9. XXXX XXXX XXXX Requested on XX/XX/XXXX 10. XXXX XXXX  XXXX  Requested on XX/XX/XXXX 11. XXXX XXXX  XXXX Requested on XX/XX/XXXX 12. XXXX XXXX Requested on XX/XX/XXXX 13. XXXX XXXX Requested on XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX Requested on XX/XX/XXXX 15. XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX 16. XXXX  XXXX  Requested on XX/XX/XXXX 17. XXXX XXXX XXXX  Requested on XX/XX/XXXX 18. XXXX XXXX XXXX Requested on XX/XX/XXXX 19. XXXX XXXX  XXXX XXXX Requested on XX/XX/XXXX 20. XXXX XXXX on XX/XX/XXXX 21. XXXX XXXX XXXX Requested on XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX REQUESTED ON XX/XX/XXXX 23. XXXX XXXX XXXX on XX/XX/XXXX 24. XXXX XXXX Requested on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE