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

I was trying to purchase a home and I realize I had damages on my credit report from child support not being credit and unknown inquiries and other damages reporting and according to the 15 U.S.C 1681 there should not be any damages on my credit its defamation to my character
Product: Checking or savings account

I opened an account with chime in XXXX of 2020 period at the time I was living in XXXX and had to provide proof of residence as well as a copy of my XXXX driver 's license which I did. I have been using the account since XXXX lost my debit card one time even and had to get a replacement sent to me. Around the XXXX  of XXXX I started receiving my unemployment benefits from XXXX  that comes to my XXXX account direct deposit noted regular unemployment for XXXX XXXX which is the name the account is in. the end of XXXX I had to come to XXXX and was going to be out here for a few weeks maybe a month or so I called chime to ask if I should change my address they advise me yes I should. I changed my address and did very next day chime froze my account with every XXXX of money I had in it. I provided the same day the account was closed all the information that they wanted and spoke with a manager who advised me yes they had everything and that I should have got a warning before they close the account as well as when they close the account but at that time I had received nothing. The very next day I did receive something from chime saying that they closed my account and said why and with a list of stuff they needed I proceeded to call spoke with another supervisor this time and was advised everything was in there that that was automatic replied that my account should be open in 24 to 48 hours I waited the 48 hours still nothing I called back was advised they didn't have anything and was told that I was lying that I had not seen anything and was hung up on I called back and got a manager and the manager found the stuff I had and said that they did need a copy of the picture of me holding my ID which I provided to him as we were on the phone and verified with him that he received it fast forward same story 24 to 48 hours I should have my account back keep in mind I can't claim my unemployment for these time either because there's no account for it to go into and they've got every XXXX I have so fast forward till today I get an email saying that they close my account because it was not in compliance because I was getting unemployment from XXXX  and living in Arkansas even though I started getting my unemployment in XXXX  and I provided proof where I was working in XXXX  and moved to XXXX  temporarily but I can't get unemployment in XXXX  because I worked in XXXX so since then has they've been dragging me on I have lost my place to live I am now XXXX I have no money and I've lost sight in my right eye because I could not get the medicine needed to get the XXXX out of it
Product: Checking or savings account

Chime employees have been stealing my money using my card to large XXXX XXXX purchases and XXXX purchases that I didn't authorized and they refused to return the money, I went to the XXXX  and they sent a stop and desist notice just because I went forward with involving the FBI, and XXXX XXXX stole {$750.00} XXXX from me as well, XXXX stole my accounts, now no one is responding to me
Product: Credit reporting or other personal consumer reports

I sent Transunion dispute letter last month informing them that there is a medical violation on my credit report for account XXXX. The original creditor is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. I never signed any disclosures or permitted my personal information to be shared. This collection company/debt collector does not have permission to furnish this alleged debt. I have no binding contract with them, and Transunion failed to do their due diligence. I am protected under HIPAA laws. Transunion has removed these accounts from my credit report XXXX and XXXX. Please see the attached dispute letter which is dated, and time stamped and remove the following accounts : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from Experian credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( XXXX XXXX XXXX XXXX ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX  XXXX Balance Owed : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.
Product: Debt collection

I recently pulled my credit report to find Hunter Warfield was listed as a collections with all 3 bureaus. I haven't received any paperwork or phone calls from this company regarding any balance owed. I have tried to dispute previously with no response. I do believe this is fraudulent activity nonetheless.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account and only XXXX  has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the XXXX  year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number experian is reporting XXXX and XXXX  is reporting XXXX XXXX both cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of fraudulent information from my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking information resulting from identity theft, and Section 611 ( 15 U.S.C. 1681i ), which requires an investigation and correction of disputed information. 
This is my XXXX dispute, with prior disputes submitted on XX/XX/year>, and XX/XX/year>, both sent via certified mail and including all required supporting documentation, including my Identity Theft Report and evidence of the fraudulent nature of the accounts listed below. The lack of resolution within the legally mandated timeframes is a flagrant violation of my rights under federal law.

Under FCRA Section 605B, once an identity theft report has been provided, you are required by law to block the fraudulent information within four business days. Your failure to do so is an egregious breach of your statutory obligations. Furthermore, under Section 611, the credit reporting agency is prohibited from including unverifiable or inaccurate information in a consumer 's file. These provisions are not optional, and non-compliance exposes Equifax to legal liability.
Product: Checking or savings account

I recently received a letter from Zions Bank regarding an issue in response to an email I sent. The email contained attachments that provided evidence of a claim of malfeasance by XXXX. The letter I received from Zions indicated that the claim was denied and that Zions considered the matter closed. 

I, however, do not consider the matter closed. The lack of consideration of Zions Bank has caused me financial and personal distress to me. I did not authorize the deduction of {$360.00} from my account, thereby putting the account into a negative balance of {$380.00} ( including NSF ). The charge should have been declined when attempted by XXXX. Clearly, Zions Bank entered me into a contract against my will.
Product: Mortgage

The bank foreclosed and now ALL contents from the home have been placed on the driveway since Tuesday XXXX/XXXX/16
Product: Debt collection

Today 's date is when a phone number called me having my last 4 of my social security number my full name and my home phone number which is impossible to be a real debt collector because Noone has my home phone number and they called from XXXX pre fix which is from iowa where I currently live and when I asked them for proof of the debt they were trying to collect was from California but when they sent me an email it was found in spam and had California colorado website which was found to be odd and when I called the toll free number from the email it just kept ringing and no one answered.. I'm very worried for people having my information like this please help me figure out if it's real or fraud they called me from the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and the toll free number is ( XXXX ) XXXX and stated I owed $ XXXX.and some change to them by Wells Fargo and that's impossible I've never received any mail or any information about this so called debt
Product: Credit card

I signed up for the Capital One Venture card because of it's benefits to use miles/reward points with partner travel airlines XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. ). 

When I try to use the " convert rewards to partner airlines '' feature, I am put into a XXXX loop that never works. When I click " Convert Rewards '' I am sent to a XXXX page that asks for my phone number. I then input my phone number. The system then tells me the number I have entered does not exist on my account. Even though the phone number clearly does exist on my account because I have XXXX enabled on login, that works just fine. When I try again, the system pops up an error that says call customer service and they will be able to fix my issue. When I call customer service ( I have called 3 times now ), nobody is able to fix my problem and I am told it is a " known issue ''. When I call customer service I am told they can't do anything to help me, don't offer a timeline for the fix, nor provide compensation for my flights increasing in cost while their software is broken. 

I believe Capital One is intentionally creating a " bug '' for users when trying to convert miles to partner airlines. All other travel reward functionality works just fine. XXXX works just fine on my login and other parts of the app. Capital One tells me to use their travel portal instead. Booking through their travel portal my flight is XXXX miles. Booking through the partner airline is XXXX miles. It would make a lot of sense that Capital One intentionally restricts this functionality as users get a much higher $ /Mile ratio sending miles to partner airlines versus spending miles on Capital One 's XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Product: Debt collection

I was sold solar panels by a company called XXXX XXXX out of XXXX, TN. The debt is owned by a company called Solar Mosaic. I have never signed a contract with Solar Mosaic and I was never provided written proof of my ownership of the debt when requested via telephone. The debt is for XXXX dollars and I was promised by the company who sold them to me ( XXXX XXXX ) and the debt owner ( Solar Mosaic ) that I would not be charged anything until the work was complete and I had a working system. All that was ever done was the panels were put on the roof and a bunch of holes were put into my exterior walls to put an inverter and battery. The system was never hooked up nor did it pass inspection to be allowed to be hooked up. The company and lender knew what they were doing and are attempting to scam me out of my money. Since the panels were " sold '' to me the company that I dealt with has been forcefully put out of business due to alleged " pervasive and ongoing deceptive and unfair business practices '' and is currently under the control of a federally appointed receiver through the United States District Court. However I am now stuck with non-working solar panels and a XXXX debt that I did not agree to.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Vehicle loan or lease

I had a auto loan with a high interest rate before I traded my vehicle in for a different vehicle in 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account XXXX XXXXXXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Product: Credit card

My complaint is with Self Financial it's a Company that is supposed to improve your credit score credit builder they call it. Well I was supposed to get back XXXX $ after completing all my payments but they took two to three months to credit my prepaid credit card {$320.00} because I completed the payments in XXXX or XXXX of 2023 and I didn't get the credit until XXXX. Well in XXXX I was XXXX  for something they didn't end up prosecuting and I could have posted bail had the money been on the credit card. Instead 21 days and all those hard aching hours XXXX XXXX XXXX XXXX because of self negligence that's # 1 # 2 t only got XXXX $ back in direct deposit when you do the math I only got back XXXX $ where's the rest of my money. I had positive credit until they closed my account for late payment charged my account numerous fees and want me to pay off a card when they won't give me anymore credit no way. I want the rest of my money and I want them to fix their credit reporting to the bueros and I do realize I may have to take them to court to reimburse for my XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Venmo debit card was stolen and used to make unauthorized charges to my account, I filed a dispute and Venmo denied all my claims so I gave them more information did my own investigation then they suspended my account refusing to refund my money stolen now I cant use my account and they didnt do anything about my stolen money, I even showed them gym records showing someone used my card when they knew I was going to the gym
Product: Checking or savings account

Amex Bank makes it very easy to open an account, but apparently very difficult to take money out of an account. I have been trying to link my primary checking account at another bank to my XXXX at Amex Bank for over XXXX weeks. I want the flexibility to take money out of the account when needed. There is an opportunity to link an account online, but it doesn't work. I was told that there is a glitch in their software that they are working on, and that I would have to submit a form to link the Amex account to a checking account I have at the other bank. They told me that would take XXXX business days to process. I submitted that form over XXXX weeks ago, and still my Amex XXXX is not linked to my checking account at my primary bank. I talked to a representative over phone, and she told me that they were not allowing linked accounts at the moment. I told her that was unacceptable, and contrary to the website statements, and that I wanted to talk with a supervisor. She took my phone number and said a supervisor would call me within XXXX days. That was XXXX days ago. This is really terrible, that I basically don't have access to my XXXX at Amex Bank.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX