23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY I SPOKE TO THE FRAUD DEPARTMENT AT XXXX SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST AFFIRM FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH XXXX. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.
Product: Consumer Loan

I had a toyota XXXX on lease since XX/XX/XXXX. I was three months behind.I called XXXX to verify a check was being sent out on XXXX for {$670.00} from my church. The guy noted my account. But noted it wrong, said I told him my church was paying pay due amount which would of been {$1000.00}. I never stated that. On XXXX I called to let Toyota know the check was in its way N I wanted to make a payment to being my account current. They said we are only excepting cash through XXXX XXXX or atm ... I said ok I want to pay the XXXX since the check is already in its way. They said no we ca n't except the check you need to call the church to put a stop payment on it. I said excuse me, that 's crazy. She said you should reach out to family and friends for help.So I called my mom got the money its still the XXXX, I call back to make the full payment of XXXX $ the lady said no we are not taking any payments, I said what why not you Told me to call when I had the money, I 'm calling. She then put it in repo status. which is crazy when I was paying with a debit card. I called the next day on XXXX n tried to make the payment thinking I would get someone else nope same person and still would n't take a payment, there was no reason as to why she would n't take the payment. On XX/XX/XXXX my car was repoed I called and asked why they said because you failed to make payments or to bring it up to date with payments. I said excuse need I have been in contact with you since XXXX n before that date ... .. Now they want me to pay the full amount of the vehicle which is XXXX $ Which makes no sense cause I was trying since the XXXX to bring it to a XXXX balance and the customer service reps kept telling me no they not taking a payment ... Now how is this even right too tell someone no if the car want in repo status but then repo the car n ask for the whole purchase price when it 's a lease? I do n't understand as to why I was denied a payment give days straight, I understand I had difficulty paying but it 's not like I totally avoided them I was in contact with them monthly and if not weekly ...
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that at current time, Experian Credit bureau is reporting a account named XXXX  under account # XXXX that has numerous errors and discrepancies that violate the F.C.R.A. and due process of federal law. Experian is also failing to report a accurate and complete report regarding this XXXX  account. A dispute was filed and assayed to be accurate and updated. Copies of the consumer 's Experian credit report along with his smart credit 3 bureau report are herein incorporated for all errors and incompleteness to be seen. The errors are as follows : 1. Days late under 7 year history says consumer was 90 days late four times. Contrary, under 2 year payment history, it shows the herein consumer was only 90 days late two times and not four. The only 90 days late were in XXXXof XXXX and XXXX. Of XXXX. Both can't be correct. One has to be incorrect. The consumer asserts he has never been 90 days late four times but only two! 2. Payment history begining from XXXX of XXXX until XXXX. of XXXX is missing and or absent making report incomplete. 3. Date of last payment is incorrect. On report it says XXXX. is XXXX of XXXX. Contrary, on two year payment history calendar, it shows date of last payment was made in XXXX of XXXX. Both can't be correct. Only one Date/Month for last payment can be correct! 4. Date account was closed is missing making report incomplete. 5. Date of last activity is missing making report incomplete. 6. Monthly payment amount is missing making report incomplete. 7. Date of first Delinquency is missing making report incomplete. 8. Terms are missing making report incomplete. All errors are in black and white and anyone should be able to see them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account on XX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.
Product: Checking or savings account

I am a XXXX XXXX with a Chase XXXX checking account. On XX/XX/23, I received multiple critical security alerts from XXXX  about suspicious activity within my XXXX  account and suspicious apps and malware on my computer that would allow someone to access my XXXX  account. Later that same day, someone transferred {$720.00} from my checking account to an account in the XXXX XXXX XXXX XXXX XXXX. I have not authorized this and someone has stolen my login credentials for Chase. I keep my passwords auto-filled and saved on my XXXX  account so when my account got breached the passwords went with it. 

I called up Chase immediately the next day and explained to them what had happened. Chase then locked my account and asked me to run antivirus scans on my computer before unlocking my account and setting up a new password. I ran several antivirus scans from several different antiviruses and they all came up negative. I then changed all my passwords and called customer service to unlock my chase account. On XX/XX/23 Chase credited {$720.00} to my account as they continued the investigation. However, on XX/XX/23 I received a notice from chase that the investigation was closed and that they believed the transaction was authorized. As a result, they are taking back the {$720.00} that was credited to my account. I had no part in this fraudulent transaction. I also filed an identity theft report with the FTC regarding this claim, as my personal information and passwords were stolen by the hacker. I have attached my FTC identity theft report and my XXXX  account alerts documenting the security breach. 

Chase still refuses to believe that this was a fraudulent transaction and return the money that was stolen.
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. 

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 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, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone created a Cash App XXXX using my personal information. The fraudulent XXXX  is " $ my first name my last name ''. There is not another person on earth with my name. People have tried sending me money, using this fraudulent XXXX  account - thinking it belongs to me. This is not an account that i previously created. It is associated with an email address that i am unfamiliar with. I have tried desperately to access the funds sent to this fraudulent account. And have tried hopelessly to work with the business 's support team to have the issue rectified. Because i do not know the full email address associated with the account, nor do i have access to the phone number associated with it, nor can i recite the associated debit card on file under this fraudulent account handle, i am unable to access these funds. Including a wire sent as recently as XX/XX/2022 at around XXXXXXXX XXXX. XXXX for the amount of {$60.00}. In addition to retrieval of these misdirected funds, i would like for the company to close out this fraudulent account so that payments do not continue to be misdirected to this XXXX.
Product: Credit card or prepaid card

Purchased a prepaid visa gift card from Kroger XX/XX/2019 for {$500.00} tried to use it and could not. 

1. The magnetic stripe didn't work. 
2. They said the balance was used XX/XX/XXXX in a store I did not recognize for {$490.00} before the card was even open. 
The card was compromised before I could even use it. How could this be? I researched and other people are having the same problem only with the US bank cards. Why are they allowed to continue selling compromised gift cards or gift cards that are easily compromised?
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/XXXX, I contacted all three bureaus to verify some accounts were inaccurate. XXXX removed the account but XXXX refuses to remove the items that were investigated and deleted. Under the FCRA all bureaus must be accurate, complete and verifiable. If any of the Bureaus find information to not be accurate, they must share this information with the other major bureaus. I have attached a copy of the investigation results. in accordance with the Fair Credit Reporting Act, XXXX and Equifax have violated my consumer rights under 15 U.S.C B 1681a sec 603 15 U.S.C 1681 SEC 602a 15 U.S.C 1681 SEC 604a Sec 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 want to remove inquiries from my credit report that are not linked to any of my accounts. These companies did not have my authorization to check my credit, and it's fraudulent. I've already filed a report with the FTC. It's necessary to have these inquiries removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX  ( Bank ) XX/XX/2022, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX - XX/XX/XXXX - XXXX XXXX has changed or modified the opening account date several times since the date of the first delinquency which was XX/XX/XXXX. The date opened states that it was opened XX/XX/XXXX but attached is evidence to the contrary stating that the account had already been closed since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX has changed or modified the opening account date several times since XXXX ; the date of the first delinquency is also obsolete as I was on XXXX XXXX orders and XXXX and was not able to attend.
Product: Checking or savings account

On XX/XX/23 I opened a savings account online with Chime Bank. It was my intention to transfer funds from my XXXX Bank checking account into The Chime account, since Chime paid a much higher interest rate on savings than XXXX. On XX/XX/23 I received a congratulatory email from Chime informing me that my account had successfully been opened and I was invited to link my new Chime account with my XXXX account in order to make online transfers. I subsequently did exactly that and transferred an amount of {$100.00} from XXXX account, to Chime, in order to complete the account verification process. My XXXX account reflected that the transfer had successfully taken place on XX/XX/23. On XX/XX/23 I was informed by Chime that my account had been closed, and for security reasons, they were unable to provide more information regarding the closure. I then sent an email to Chime demanding the {$100.00} transfer which had occurred prior to the closing of my Chime account be returned to my XXXX account, considering my Chime account had been closed due to no actions of my own. Chime demanded I forward to them photocopies of both sides of my drivers license, a photo of my US Passport, as well as copies of any type of correspondence sent to me from XXXX bank with my name and address clearly visible on the document. On XX/XX/23, all of the foregoing documentation was sent to Chime Bank, however, as of the date of this correspondence, they are refusing to credit the {$100.00} to my XXXX checking account. I am requesting the assistance of CFPB to assist me in compelling Chime Bank to release the {$100.00} they are retaining from my closed account, and please inform me of what actions can be taken to sanction Chime Bank for their highly fraudulent and unethical business practices.
Product: Credit reporting

Transunion reports the wrong SS # on the credit report and it is keeping me from getting a mortgage as well as hurting my credit.
Product: Consumer Loan

At the time I applied at Lending Club for a {$20000.00} loan I was desperate, but did not fully understand the fine print, nor did I fully understand my payment would be $ XXXX/mo and they would only give me {$19000.00}. I am experiencing extreme financial difficulty currently and ca n't make the payments now and am afraid of legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts : XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$3400.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX {$890.00}, XXXX XXXX XXXX {$8900.00}, XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX  {$530.00}, XXXX XXXX XXXX  {$530.00}, XXXX XXXX {$1900.00}. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

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

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

I was unemployed for the bulk of XX/XX/XXXX and fell behind on my credit card payments with Citi Bank/Best Buy Mastercard. In XX/XX/XXXX I called to start a payment plan with them to return my account to a current standing. I was told by the representative that if I made XXXX payments of {$88.00} each my account would be brought current again and I could begin to use the card again. I made my XXXX payment in XXXX. In XXXX I received some extra income and called to see how much of a payment I could make to become completely current and under my credit limit. I was told that my account had been closed in XXXX and that I could n't bring it current just pay it off. In XXXX I pulled my credit report and found that the account was n't actually closed until XXXX, meaning I could have saved the account and only had late payments instead of a closed account on my credit report. Citi is still charging late fees to the account monthly, and was even charging late fees while I was on a payment plan with them.
Product: Credit card

I filed multiple disputes with my credit card company Apple in the amounts of : {$40.00} on XXXX won in my favor {$25.00} on XXXX won in my favor {$25.00} on XXXX won in my favor All these amounts were unauthorized and I am happy with the above amounts won in my favor. I am however filing this complaint because my credit card was on file with this company " XXXX '', so " XXXX '' fraudulently billed my Apple credit card in the amount of {$500.00} on XXXX for filing a chargeback with my credit card company Apple. I closed out my credit card with Apple immediately, and filed a dispute against this {$500.00} amount.XXXX tried to charge me an additional {$500.00} on XXXX but my Apple card had already been closed out. 
Today XXXX I get a response back from Apple saying XXXX won the chargeback against me for this " Dispute Fee ''. How can this be though when the 3 above only charges were wiped away because they were won in my favor. So this makes it where I never did any business with " XXXX ''. You can not charge me a chargeback fee, when I never did any business with this company " XXXX ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX FXXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my 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 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.