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

On or around XX/XX/XXXX : I sent a dispute letter to Experian for reporting an " unknown '' account that is reporting negatively on my credit report. 
Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 2nd dispute letter to Experian requesting deletion of the negative " unknown '' account and requesting documentation proving ownership of the said negative account. Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 3rd dispute letter to Experian again requesting deletion for failing to accurately report the " unknown '' account. Experian was notified that they were reporting different years and dates under the Date Of Last Activity and to delete for inaccuracy and re-aging violation. Experian responded that the account has been updated and verified without any correction of violation. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian again requesting deletion for " unknown '' account for failing to report a " disputed '' account in the comments and remark section of my credit report. Experian responded that the account has been updated and verified without adding remarks and without any investigation or proof thereof. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian again requesting for deletion of " unknown '' and " unverified '' account. I requested the Method Of Verification showing me actual documentation bearing my signature when this " unknown '' account was opened as required in section 609 of the FCRA. 
Experian responded that the account has been updated and verified without any investigation or proof thereof.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/ XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

An amount of {$51000.00} was not wired to a mortgage company, XXXX, because Robinhood said that it was a payoff rather than a pay down. The issue is that the pay off was sent in a check form from Robinhood and arrived before Robinhood processed the wire transfer. Then when they looked into the transfer and asked for further documentation from XXXX, the remaining amount was the {$51000.00} because the payoff check received had been applied to the principal at XXXX. I was not able to send a check in the amount of {$51000.00} to XXXX from Robinhood because Robinhood has a limit of {$25000.00} per year on money sent via check. 

This resulted in a variety of issues that were all caused by Robinhood rather than myself. They finally said that I had to wire the {$51000.00} to my own bank account and asked for documentation that the bank account which they had on file and had been withdrawing money from was actually my bank account. They were perfectly fine with withdrawing money from the bank account to put into my account but when it came to sending money to that bank, XXXX XXXX XXXX XXXX, it became an issue as to whether the account was actually mine or not! 

Every time I have attempted to reach out to Robinhood, the representatives seem to not be able to give me correct information as to what should be done to do the transfer. as a result, Ive tried several different methods of transferring money. XXXX to date. I dont know what else to do. Ive tried to find someone at Robinhood who knows what theyre talking about and who can lead me to accomplishing the goal Ive been trying to accomplish, which is to transfer {$51000.00} to XXXX XXXX . 

I did try to wire the money to my bank after everything else failed. This has not happened and I dont know why and theyre not telling me where in the process the wire is. Ive moved money from my spending account at Robinhood to my brokerage account per the request of a representative. Ive moved money from the brokerage account to the spending account per the request of a representative. ive sent documentation that includes my identification, verification that the lender XXXX account is mine, documentation that the bank account is mine, wire transfer form completed, and Im sure there are other things that Ive sent as well and, to date, I have not received a single response about where in the process the money transfer is. This is so incredibly unprofessional that I have to assume they are really just not able to send the money. 

I dont know what else to do. I need to complete this transaction. Its part of a divorce settlement that had a time limit on it. Nothing Robinhood has done has allowed me to withdraw my own money. They have done everything they can to prevent money from being transferred out of my account. Ive paid paid fees to XXXX for transactions, not being complete. Ive paid fees to XXXX for creating a payoff report. everything is costing money and Robinhood is the cause of the problem and the extra fees.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX is inaccurately reporting information about an account that has been closed, which is misleading and unauthorized. Despite the account being closed, it is being reported as active, with inconsistent and inaccurate payment history across credit bureaus. Additionally, the account is marked with statuses such as in forbearance, which is inappropriate for a closed account. These actions violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( accuracy of furnished information ) and 15 U.S.C. 1681c-2 ( blocking unverifiable information ). I never provided written consent to Grid Financial Services to report this information, and their continued reporting has caused financial and emotional hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I've never made a late payment XXXX  This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. XXXX have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.
Product: Checking or savings account

Complaint Against Chase Bank for Failing to Prevent Ongoing Check Fraud Request for Investigation and Compensation Dear CFPB Officer, I am submitting this formal complaint against Chase Bank for its failure to prevent ongoing check fraud in my account and its refusal to compensate me for fraudulent transactions beyond the past two months. I request that the CFPB investigate this matter and help me recover my financial losses.

1. Background of the Issue I am an account holder at Chase Bank, with an account ending in XXXX. Since XX/XX/XXXX, I have noticed a recurring pattern of three unauthorized check transactions per month in my account. 
After carefully reviewing my bank statements, I found that these fraudulent transactions have been happening since XX/XX/XXXX. The pattern remains consistent, involving small check amounts ( typically {$29.00}, {$31.00}, and {$34.00} ) every month. In total, it's XXXX. Below are some examples of these suspicious transactions : Date Check Number Amount Bank Fee Deducted XX/XX/XXXX XXXX {$29.00} - {$3.00} XX/XX/XXXX XXXX {$31.00} - {$34.00} XX/XX/XXXX XXXX {$34.00} - {$29.00} ... ... ...... 

2. Chase Banks Mishandling of the Situation Upon discovering these fraudulent transactions, I immediately contacted Chase Bank to freeze my account and request reimbursement. However, the bank stated that it can only reimburse fraudulent transactions within the past two months, refusing to investigate prior unauthorized checks. I find this response highly unreasonable for the following reasons : 1 ). This is a long-term, ongoing fraud case, not a single incident The identical small check amounts appearing every month indicate that fraudsters have been exploiting a loophole in the banks security, yet the bank failed to detect this pattern. 
2 ). Chase Bank has a duty to protect account security If the bank had monitored account activity properly, it should have flagged these recurring small-dollar fraudulent checks, but it failed to take action.

3 ). Chase Banks reimbursement policy is unfair The refusal to reimburse fraudulent transactions beyond two months does not provide adequate consumer protection. 
4 ). I was unable to detect the fraud sooner Since the fraudulent amounts were small, they were easy to overlook. I only noticed the accumulated financial loss over time, which is when I reported the issue. Chase Bank should bear responsibility for failing to detect this earlier.

3. Conclusion Chase Bank failed to detect and prevent repeated fraudulent check transactions in my account, causing me financial loss over an extended period. I request that the CFPB investigate this issue and hold the bank accountable. Please contact me if you require further information. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX 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 I gave XXXX my insurance information ( XXXX XXXXXXXX, XXXX ). They also copied my insurance card. I was XXXX on XX/XX/XXXX. 

XX/XX/XXXX I consulted with my insurance assistant at XXXX XXXX XXXX XXXX to ensure I had taken all steps to have medical bills fully covered. Assistant stated that if XXXX was billed I would have no financial responsibility for emergency services. 

XX/XX/XXXX, email from XXXX credit monitoring informed me of a new collections account on my credit report ( {$4700.00} ). Shocking news ; I had no indication of outstanding charges on the verge of collections. 

Turns out a third party, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, was billing on behalf of attending physicians at XXXX  ; they added the collection account to my credit reports. I never received paper bills from XXXX  ; I had no knowledge of any accounts or collections. 

XXXX  medical account claim was never submitted to XXXX. The collection account was inaccurately reported due to XXXX  and XXXX  never submitting the medical claim to XXXX. 

As of XX/XX/XXXX, I have worked with XXXX billing and XXXX to try to submit a retroactive claim to XXXX. Turns out XXXX filed for bankruptcy on XX/XX/XXXX, 2 months after my emergency service. XXXX  is unable to reach anyone at XXXX due to the bankruptcy. No one I have spoken with at XXXX can determine why the XXXX account was not billed to XXXX, how the account went to collections, or who the new account owner is. 

XXXX billing is now handled by a different company, XXXX ; they can not retroactively bill an account that they did not own at time of service. XXXX billing also stated that the XXXX account should not be on my credit report ; it is inaccurate information. Furthermore the bill should be submitted to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Credit reporting or other personal consumer reports

Someone applied for multiple credit cards, auto loans, and checking accounts in my name without my knowledge. I disputed with the credit bureaus but XXXX did not delete all of them.
Product: Debt collection

Admin Recovery , LLC ( XXXX ) told me that I had several months missing payments toward my XXXX card. I don't have any XXXX accounts, confirmed with XXXX XXXX about that. When I called Admin Recovery back, and told them about it ; they asked me to ignore their calls. It was someone's else debt whose last 4 digit SSN matches mine!!!
Product: Credit reporting or other personal consumer reports

On my credit builder account with the company chimes bank I overdrafted my account by {$21.00}. I have tried to pay the account but chimes has stated I am unable to do that because the account is closed. I asked them how would I pay it off because I do not want it on my credit report. They had told me I cant. Ive been dealing with them since they closed my account which happened in XXXX, 2022. After so many calls on asking what can I do they had brought my account statement to {$0.00} which means it was paid in full. It still shows on my credit report that I owe them {$21.00}. I went to the XXXX credit bureaus, XXXX, XXXX, XXXX, and filed MULTIPLE disputes on regards to incorrect information on my credit report with chimes banking. Every single dispute was denied by chimes. I would call chimes asking why would they deny my dispute and they stated they cant do anything about it. I asked for bank statements and also a letter stating I dont owe them anything. I was able to receive that from chimes. I resubmitted my dispute with the documents I received and still was having my dispute denied. No changed to my credit report and still shows I have XXXX XXXXXXXX with chimes. I will provide the documents needed to help my case, please help, I dont know what to do anymore
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX  Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity
Product: Credit card or prepaid card

Capitol one closed my secured card and I want to dispute they have no right closing a card when I put money down as a payment I put XXXX down plus just made XXXX and they closed it, please help and they will not even approve me for a basic credit card, credit card companies should treat everyone equally, not a low number special people should not only get credit, I am very XXXX off when I go to make a payment and the card is closed please fix this I want my refund back XXXX or they open me a new credit card with no obligations, credit reporting agencies need to stop reporting old credit, Capitol one should be investigated for this they have no right closing a XXXX card when I pay the bill please help DO NOT Discriminate against people with bad credit who work hard, I always paid this card early not late, these credit practices need to be stopped, I am outraged It said restricted now its closed, I am disputing this I want a new unsecured card in my name with no restrictions, they owe me money on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
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 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ending XXXX XXXX XXXX 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 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

The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. 

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so. 

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. XXXX is reporting XX/XX/XXXX and Experian and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX ( they illegally reaged this account. XXXX is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations Experian and XXXX are saying this account is paid while XXXX is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX on my behalf