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

I trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 
Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. XXXX using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

On XX/XX/2023 I got a txt msg from Chime asking if I authorize a transaction, I replied No ; and they replied back to me that the transaction was block an decline. They I kept getting the same txt but different amount over and over and I kept replying No. So, I login to my account and see 6 pending transaction within 6 minutes at the same location. So I called Chime and while I was with them on the phone some of the transactions where coming in. They told me that the transactions are pending and will be rolled back to my account. Chime later approved the transaction, they blocked my card saying they'll send me a new on, I didn't receive the new card in 10 days until I call again. I got the new card on the mail and still Chime refused to tollback, credit or refund my money back. Chime is a Fraud enabler, they authorize transaction fully knowing its fraud and leave the customers with zero, empty handed. If you link your paycheck, it will be the same Chime will steal all you funds in a minute. It shouldn't be that easy and that's exile I fully believe Chime and they employees are stealing customers money. I JUST NEED ALL MY MONEY BACK. IT'S BEEN 15 DAYS NOW!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite multiple attempts to address this issue, the fraudulent entries persist, causing significant distress and jeopardizing my financial standing. 

I am reaching out for several time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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: Debt collection

In XX/XX/year> I was in a XXXX  accident where I had received the ambulance ride from XXXX XXXX XXXX. Waterfall revenue never followed up with my chores, but dad took out a bill under my name. They have been contacting me for several years, our insurance has already repeated. It is now making my current credit card towards delinquent status.
Product: Checking or savings account

On XX/XX/2021, I received an email from Wells Fargo that an account was created under my name and a debit card was being mailed to my address. 
On XX/XX/2021, I contacted Wells Fargo customer service. I told the agent that an account was created under my name and that Wells Fargo had been retaining my personal information in their database even after requesting to have it removed, including my name, address, DOB, SSN and Driver 's License number. I was told that it will be taken care of ASAP On XX/XX/2021, I received an email that my account will be closed on or before XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

exerian dosent even have my correct last four of my social security number so how is there any collection and delinquent past due accounts on my credit report? if the social dont match? ill tell you because there not verifying nothing thats reported. because the more info the more profit they make only when i try to remove fraudelent items do they do everything they can to keep as much data they can. more data equals more profits so they have an financal intrest to not delete any data thus a conflict if intrest results discrimination. im being discriminated and as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received repeated calls and voicemails from a company claiming to be Cambridge Asset Management. The voicemails threaten some type of legal action and threaten to attempt to find me at my home and place of employment. The name of the individual they reference in the messages is not mine.
I received calls and voicemails from this group on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 2017. Each time I have returned these calls and advised that I am not the individual they are looking for and requested that I receive no further calls. Each time I was advised that my number was removed and that calls would stop within 48 hours.
On my most recent call I spoke with a XXXX XXXX who claimed that I had never contacted this group as they had just opened the file. She later stated that I had received several voicemails from XXXX XXXX, but that no return calls had been logged. She advised that she would remove my number. When I asked to speak with her supervisor as this was the same information I had been given in my previous calls, she ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Debt collection

I requested a sign contract with my signature verifying the amount owed.and for what i owed {$110.00} the FCRA law require the Notification be available. this is my second attemp I ask that information be available within seven days that i may veiw the information if not available remove the information from my consumers file and stop reporting false information.
Product: Credit reporting or other personal consumer reports

I am filing a complain against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was involved in a motor vehicle accident involving a XXXX XXXX which I co-own. My son was taken to the hospital and the vehicle taken to a tow yard. Shortly after, during XXXX  period my XXXX  and XXXX got XXXX. In the meantime, XXXX got XXXX  and shortly after my XXXX was XXXX  and out of work. This was also causing delays in us being able to handle any business. I was out of work for two months, my son was out of work for five months. I requested a deferment on the payment after making the XXXX payment, this was approved by Hyundai up to XXXX. In the meantime, the vehicle sat in the tow yard waiting to be resolved by insurance. I was notified by the tow yard that Hyundai 's appraiser stopped by to look at the vehicle, and they advised them they were abandoning the vehicle and had no interest in removing the vehicle but Hyundai never advised us of this. Hyundai never notified me of such action or their intent. As the days accrued at the tow yard, my drivers license was being jeopardized by the tow company which placed a lean on my license. At that moment I removed the vehicle from the tow yard. Hyundai never notified us of their intentions prior to the CHARGE OFF. I came to find this out through an alert in the credit reporting where it stated that the account was in charge off due to natural disaster and also stated that we were late on our payments. I immediately contacted Hyundai for clarification. At which point they notified me that they no longer had interest in the vehicle and that the vehicle was placed in charge off due to lack of payment. I tried to explain to them that the last payment was XX/XX/XXXX and they charged the vehicle off 10 days later. How could this information be correct? They never offered me true clarification to this matter. When we attempted to call Hyundai they initially advised my son that they would settle the debt for {$6400.00}. They later advised him that they would settle but never give us the title. We were continuously calling Hyundai, they were refusing to give us a payoff in writing and were verbally giving us different amounts from $ XXXX {$11000.00} every time we would call. They charged off the vehicle onXX/XX/XXXX, 10 days after a payment was made. My son and I asked many times to receive a phone call from supervisors and no one ever returned the call. 
I am requesting that HYUNDAI retract the delinquent reporting and the charge-off status from XX/XX/XXXX thru now in all three credit bureaus. Hyundai violated the FCRA by not giving me an opportunity to satisfy the debt prior to the reporting and no notices were sent until I saw the miss reporting information on my credit.
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

I checked my consumer report on XX/XX/XXXX and I still see inaccurate information according to 15 USC 1681 on these accounts : 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 is stated on the XXXX verified report which is wrong.

I have everything attached showing all the inaccuracies and also attached the verification letters from XXXX and XXXX. Experian never respond to any of my letters that i sent out. Everything is documented on this portal so you ( CFPB ) does have all the evidence. 
I asked the CREDIT BEAURUES for the METHOD OF VERIFICATION on XXXX XXXX for those accounts but the CREDIT BEAURUES never responded to me.
Product: Debt collection

On XX/XX/XXXX I received 2 letters from Resurgent Capital Services claiming that they were trying to collect on a debt that I owed. The original creditor was XXXX XXXX XXXX, whom I do not recall having an account with, but the current owner of the debt is listed as LVNV funding LLC, which I have never received a document from trying to collect on the account. I sent Resurgent Capital Services a letter asking for validation of this debt and received a letter back from them dated XX/XX/XXXX stating they initiated a review, see attached documents. I also received an additional letter dated XX/XX/XXXX which stated they had enclosed an account summary which provides verification of the debt, see attached. This " account summary report '', which is also attached, doesn't provide any type of proof that I owe this debt, whatsoever. Also on the documents they have sent me it states that " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency ''. I have attached the verification letter that I sent to Resurgent Capital Services and what I was asking for. This company is trying to collect on a debt that for one I don't have knowledge that I owe them, and the debt was charged off XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, XXXX and EQUIFAX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!
Product: Debt collection

Portfolio Recovery periodically has harassed me for over ten years. At one point more than ten years ago, there was a small disputed debt from a divorce. I wrote to all XXXX major credit reporting entities to have this cleared. Ever since, I have periods where Portfolio will call me nearly daily. They have never stopped calling. In XXXX they tried to harass me into sending money while refusing to send me written explanation or documentation. I asked them to send a written explanation of the alleged debt. They never did. I have told them many times over the years to stop contacting me. I suffer from XXXX XXXX and this harassment causes me physical illness and terrible distress. have checked my credit report which appears to be good and untroubled. My credit score is good. Im not on any payment plans with any entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX via XXXX Mail XXXX. XXXX I submitted to XXXX  XXXX, XXXX i exercised my right to Privacy via 15 USC 6802. 
12 CFR 1016.7 also expresses my rights to OPT OUT of any information I choose as a consumer with rights to Privacy per the Privacy act of 1974 and the listed USC codes within this complaint. 
XXXX XXXX, XXXX responded and has chosen to deny my rights I've exercised per 15 USC 6802 and CFR 1016.7 as I have written a letter to do this because they have 12 CFR 1016.7 ( iii ) Unreasonable opt out means. Nonetheless my rights were exercised and negligence by XXXX XXXX, XXXX, Experian, and XXXX are all apparent. 

Within another complaint made with CFPB regarding this situation regarding my right to opt out, XXXX has honored my request. Their reinvestigation concluded and have fullfilled my opt out request after they said to have reached out to the furnisher " XXXX XXXX, NA. '' What reason is there that XXXX reached out to XXXX  XXXX, NA and honored my request but XXXX and EXPERIAN have not. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One, NA has been notified of my OPT OUT. I have revoked their power to disclose my personal information. 
THE CFPB has a duty to enforce per 15 U.S. Code 6805. THE CFPB is aware of the negligence XXXX XXXX, NA, XXXX, AND EXPERIAN are all committing. evident. 

Any and all consent to Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in regard to any/all accounts pertaining to XXXX XXXX, XXXX. 

Consumer Protection Finance Bureau ( CFPB ) must enforce my rights to OPT OUT being exercised per 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been threatened by the ICE cryptocurrency exchange at XXXX XXXX XXXX that if I didnt send a deposit of {$11000.00} USDT to the ICE cryptocurrency exchange by XXXX XXXX, I would be fined {$1000.00} per day until the deposit is made. 

I received an email from the ICE cryptocurrency exchange on XXXX outlying their demands, which I have included in this complaint with a screenshot of it.