23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XX/XX/XXXX, a purchase was made from my XXXX account for airline tickets in the amount of XXXX. I contacted XXXX and chase bank to inform them of the fraudulent purchase. My credit card was canceled and I was given a new one, and chase provided a refund for the transaction, stating they would investigate the fraud. 

In XXXX, Chase rebilled the purchase, stating that I received benefit from it, since the airline tickets were under my name. I did not purchase the tickets, or use the tickets. They were canceled and should have been refunded. 

Chase continues to give me the run around and will not provide me with a refund for the recharge. They continue to claim I need to speak with XXXX, when I already have on numerous occasions and XXXX can not help me further, as their system shows my tickets were canceled and my card was refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX Credit Compliance standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet the XXXX XXXX Compliance guidelines. I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to file an arbitration claim with the American Arbitration Association if these errors are not corrected. I have mailed a notice of my intention to file an arbitration and I am also uploading the same documents to the CFPB for my records
Product: Mortgage

XXXX XXXX of Imagone Home Lenindg has many many non compliant issues on social media. It is a bait and switch with no equal housing or company nmls on her main sponsored picture on profile. It states XXXX  down and XXXX credit. No program is given at all and is very predatory. It seems as if they need a compliance department because they advertise qualifications of programs but never give the program with a bait and switch. Aren't they suppose to have equal housing logo and their company nmls on their profile vicer photo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX Date : XX/XX/23 Action : I called Transunion and they said to contact the creditor and when I contacted creditor they did not want to assist in removing the inquiry that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation.

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life. 

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution.Account Number : XXXX Balance Reported : {$2400.00} High Credit : {$3300.00} Credit Limit : {$2500.00} Status : Charged-Off / Transferred TransUnion has wrongfully verified this charged-off and transferred credit card without proof of the transfer or verification of debt. Under FCRA Sections 609 and 623, I requested : Proof of the original signed agreement. 
A detailed transaction history of the balance before charge-off. 
Proof that the new creditor legally owns the account. 

TransUnion has not provided this verification but still reported the account as accurate. This is a direct violation of my rights under FCRA.
Product: Debt collection

My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.
Product: Debt collection

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Account Number XXXX. 

Company : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I have sent rounds of letter to request that inquiries not related with me should be deleted but they did not take any action about it.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call Experian due to them sending me emails about my account. Have the free credit monitoring with them. Gave my member identification with them and the were asking for my name, social security number, and date of birth. They kept switching back and forth from membership department to other departments. Tried to resolve this with them but, no success.
Product: Credit card or prepaid card

American Express has the wrong social security number listed on my American Express credit card account. XXXX isnt my correct msocial security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have a certain Account passed on that should be withdrawn. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
( Original Creditor : XXXX ) XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX XXXX. Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information of true, Im requesting the information Experian used to verify this account in writing. If such documents can not be produced please notify Experian to delete this account off my credit report immediately
Product: Debt collection

OnXX/XX/XXXX HR through my employer notify me that there was a writ of garnishment placed against me, I quickly asked for more information and was sent a package via email. I called the number listed on the packet and spoke to a lady at Livingston Financial LLC ; I asked the following questions and got the following responses. Q : what is this for? A : credit card Q : when was this account open? A:XXXX and last payment was made on XXXX. Q : can I get verification signatures, who made the last payment? can we trace that information and was told no information was available ; that they could not provide any information as they didn't have it. I went to the court house and filled a challenge of garnishment and the court date was set forXX/XX/XXXXat XXXX XXXX. I showed up at court and explained to Judge XXXX that this was not me and I provided my credit report, Judge XXXX asked the clerk if Livingston was present and the clerk said no the Judge then asked the clerk when they were served and the clerk said on the XXXX of XXXX. The Judge asked if they had been served in XXXX and the clerk said no they were served on the address on the garnishment in Utah. The Judge at that point apologized and then said the hearing would be set for another day. I told the Judge I had already been garnished and I couldnt afford to be garnished, they weren't there and they were served. I was told the garnishment would be stopped until next hearing. Please help me I have tried calling Livingston and they wont give me any information. I feel as XXXX County Court House has treated me unfair due to the fact that I was present they weren't I had proof that its not me and its not on my credit report and the Judge was not willing to hear me out. Its hard being a citizen of color and not being heard.
Product: Credit card or prepaid card

After trying unsuccessfully for 2 months to pay my credit card balance through the online app and basically being told my bank account doesn't exist or doesn't allow electronic payments ( a total lie, since every one of my other accounts accepts payment from my account ), I mailed a check to USAA on XX/XX/XXXX. On XXXX and XXXX I received collection calls. I told them the check was in the mail but probably would be delayed because of the holiday weekend, my due date isn't until the XXXX so I wasn't worried. Another collection call on the XXXX. Another collection call on XX/XX/XXXX, it had been enough time that they should have gotten the payment by now. I checked with my bank, the check was deposited to USAA on XX/XX/XXXX and the payment went through on XX/XX/XXXX ... So why was I still getting collection calls? I gave them the benefit of the doubt, " maybe it takes a day to show up on the app when you pay by check, '' I said. XX/XX/XXXX another collection call. I checked the USAA app again, still no payment applied to my account. This time I contacted customer service. I was able to submit a " review request '' I gave them the check number, amount of payment, and even submitted a copy of the " lost '' check. XX/XX/XXXX can you guess what I got? Another collection call. I asked the operator if they had found my missing payment yet, " Ok, goodbye, '' was the response I received. Also on XX/XX/XXXX, I received my new statement, which still shows no payment applied, now shows a " past due '' payment and interest on top of it. I'm not about to pay late fees on money they already recieved.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below because According to 15 USC 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices in which violates the consumer financial protection act. Specially cash app failed to take timely and effective measures to prevent and address fraud on their platform in which left my account vulnerable and unprotected causes me to lost {$4700.00}! Furthermore their dispute resolution process was unfair and deceptive and didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These action have cause significant inconvenience and financial lost ( {$4700.00} ) and I seek appropriate redress for these violates!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX  XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Product: Debt collection

XXXX offered me a lower cell phone account, along with internet. I told them I wasn't sure my son would switch the internet and would they send me a return label. They said " yes. '' A month or so after I got the box for internet, I found the XXXX card and I couldn't do it myself. They wanted me to come into the store and I told them never mind. I asked for a label to return the internet box and they couldn't find my account and told me no. I said I would take it to the store and they said no, I would still have to pay for the box. So, here I sit with this on my credit report and I never used either the XXXX  card or the internet at all. Please help me with this dispute. XXXX will not accept this dispute as a good reason to take this off my credit report, but XXXX did. Of course they did- it is not a valid charge.
Product: Credit card

XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. 
The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : 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 have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.
Product: Money transfer, virtual currency, or money service

This complaint is against Coinbase Inc., ( www.coinbase.com ) who are currently holding my funds of {$3000.00} wrongfully.
On XX/XX/2017 I made a wire transfer from my bank ( XXXX XXXX XXXX ) to Coinbase Inc ( for {$3000.00}. The wire was successfully completed by the bank, but I did not see the funds in my Coinbase account. When I raised a support request, the support rep from Coinbase said they had rejected the wire as the account names did not match. ( My bank account is a joint bank  account that has both my name and my husband 's name, I do not see why this was rejected ). The customer service rep from Coinbase said they will wire out the {$3000.00} back to my bank account and I should see the funds back in my account within one business day.
It has been four business days so far, and I have not received the funds. I have called up my bank several times and they say they do not see the incoming wire transfer. I have tried contacting Coinbase several times ( raised support tickets, messaged them on XXXX and XXXX ) but to no avail. They have not responded to my request.
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 XXXX  Account Number : 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 sent a letter to Experian dated XX/XX/2022 regarding XXXX XXXXXXXX XXXX ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX {$6300.00} XXXX Remove XXXX XXXX XXXX {$2400.00} XXXX Remove