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

XXXX XXXX  - XX/XX/2023 n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 




XXXX XXXX - In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern : I am writing to dispute an inquiry that appears on my credit report, which I believe to be inaccurate and in violation of several federal laws designed to protect consumers ' rights. 

In accordance with XXXX5 U.S.C. 1681b, which governs permissible purposes for accessing credit reports, I request that you investigate this matter, as I do not believe this inquiry is authorized or was made with proper consent. The law requires that credit inquiries can only be made for certain permissible purposes, such as when I provide explicit consent for a credit transaction or application.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws that protect consumers, including : 15 U.S. Code 6801 Protection of Personal Information : Requires financial institutions to protect the security and confidentiality of consumer personal information.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that institutions must notify and obtain consent before disclosing non-public personal information.

15 U.S. Code 6803 Disclosure of Privacy Policies : Requires institutions to provide clear and accurate statements of their privacy policies. 
15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Ensures consumer reporting agencies must adopt reasonable procedures to ensure maximum accuracy of the information in consumer reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports : Specifies that certain types of consumer transactions must not appear in credit reports.

18 U.S. Code 1028A Aggravated Identity Theft : Criminalizes identity theft and imposes severe penalties for using someones identity without authorization. 
These violations reflect the unauthorized access and inaccurate information on my credit report, which must be corrected immediately to protect my consumer rights. 

Please investigate this matter, remove the unauthorized inquiry from my credit report, and send me a copy of my updated credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to your response and a corrected credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

There are unauthorized accounts on my credit report that I believe to be fraudulent. Kindly block and remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter through certified mail to Experian on XX/XX/2022. It is now XXXX XXXX. The company has failed to update my credit report and make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My account was originally with XXXX but sold to SST around XX/XX/XXXX. I was not giving a reason why the account was transferred or that the account that it was being transferred to was a debt collector because I wasn't behind in my payments. 


Recap to my original complaint. I apologize for not responding in a timely manner. I missed the email sent by you and I was going through some health issues that had to be addressed. 

I received {$1500.00}. I made payments starting XXXX of XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from SST of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. SST has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The confusion comes in where the loan was sold to SST ( Systems and Services Technologies ) but the demand for the funds are from XXXX XXXX XXXX XXXX. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Bank account or service

Pretty much, I have XXXX checking account with Bank Of America, XXXX is over drawn due to I did n't have a job couple weeks, but I did told them that I will come in tomorrow to make a deposit to solved the issues, but other account I have money in it, because i started to drive door dash, I was going to use that money to transfer over, but the next day they close my account, I ca n't even used my card to get gas or food, even thought i have money in there. I call them but they were very rude to me. I do n't mind them closing my account but at least let me know or even give me my money back so i can get food and gas. They were very rude to me like i did something wrong, I was in a difficult situation and they were not willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 2 WRONG PREVIOUS ADDRESSES THAT ARE NOT FACTUAL
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Name : XXXX XXXX XXXX  Account XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Account Name : XXXX XXXX XXXX Account 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 the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Product: Checking or savings account

I have been with chime bank for a while now and this past year has been awful. They refuse to respond to any support requests, i mean refuse. I have requests that are upwards of three months that have yet to be addressed and even a request to fix my personal information on my account that was incorrect that is over 7 months old and i have spoken with the 13 times and over 100 emails and nothing has been done about it. 
I also have submitted 3 seperate better business bureau complaints about these same issues and have only gotten one response from them and that response was literally a timeline of lies on their part. I sent the correct informtion to them and they never responded. But so far the issues beyond this are : 1. dispute in the amount of {$1200.00}, has been denied several times when they evidence shows that i paid and never received the product. Even have a letter from the company stating that they did not fulfill the order and had no plans on doing it in the future. And also would not give me a refund. That along with a police report, emails from comapny and even complaints from the XXXX, surgeon general and consumer advocates groups, all saying that the best way to solve the issue would be to dispute the charge. The bank has denied it 3 times now. 

2. dispute in the amount of {$860.00} from when i was homebound during covid someone used my card online to book hotels and i disputed this charge, i included a police report and even contacted all of the hotels involved and the person booked the hotels online and checked in under a different name and the card was never used in person and they were all out of my state and during a time when i coudnt leave because i was in the hospital. athey still denied my dispute. 

3. two seperate disputes filed in XXXX small ones for {$120.00} and one for {$24.00} and the comapny never even filed a dispiute or aknowledged my request after countless emails. 

4. after 45 emails and numerous requests for the information they used in the disputes be sent to me i have received nothing. spoken to them so many times and everytime they tell me ten days and nothing shows up. every ten days i request it and nothing since XXXX. 

5. There was an issue with them in XX/XX/2020 where they illegally froze my account and it was frozen for two weeks appoximataly and during that time they received a deposit to my account int he amount of {$1000.00} from the SBA ( small business administration ). The deposit never posted to my account and i have sent them over 100 emails and the sba over 250 emails about this issue and chime has never responded to a single email. 

6. Their service onlie is always being interrupted and i am left without access to my funds during important times and nothing is ever done about it and noone is ever held responsible. 

I have tried so many options and they basically laugh in my face and tell me that theree is nothing i can do. You are my best shot here at fixing a terrible problem with a horrible bank. 

Please Help
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( A ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved fraudulent items on my account despite multiple attempts to rectify the situation. Despite my persistent efforts and cooperation, the fraudulent charges remain unaddressed, causing undue stress and financial strain. 

This complaint serves as my fourth attempt to seek redressal for the persistent issue of unresolved fraudulent items on my account. I expect immediate attention and a comprehensive resolution to rectify the fraudulent charges without further delay. 

The continued presence of fraudulent charges on my account not only jeopardizes my financial security but also erodes my trust in your organization 's ability to safeguard customer accounts and address fraudulent activity effectively. 

In light of the above, I request the following actions to be taken promptly : Conduct a thorough investigation into the fraudulent charges and their origins.

Immediately remove the unauthorized charges from my account and reverse any associated fees or penalties. 
Provide a detailed explanation for the delays in resolving the fraudulent activity. 
Implement additional security measures to prevent future occurrences of fraudulent charges. 
I emphasize the urgency of resolving this matter promptly to restore my confidence in your organization and ensure the security of my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$37000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$110000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXX XXXX Balance Owed : {$110000.00} XXXX XXXX XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$110000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies Equifax, Experian, and TransUnion, are inaccurately reporting late payments for my account with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reviewed my records and do not believe these payments were late. I submitted a formal dispute requesting each bureau conduct a thorough investigation and verify this information with the original creditor. 

I also asked for documentation, such as billing statements or payment recordsproving the alleged late payments. So far, none of the bureaus have provided this proof, and the inaccurate late payments are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile an

d Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these items that are erroneous in my file for they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2018 {$6500.00} Attempted to contact company and no response. I have no idea what this debt is in regards to, as I do not have any accounts in collections. Nor, do I plan too. This sounds very suspicious to me and the fact that I couldn't get anyone to talk to me. 
Law office of Berman & Rabin P.A. 
XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern I check My Credit and I see That Child Support Has Me Negative on my credit I have proof that its paid in full, Attached with this form will be receipt of full Payment of XXXX I Called The Child Support Enforcement Center, They told me that they would correct the Mistake .... 
well that never Happen, so I'm making this report to help me resolve this matter I only want to do right, if I paid my full balance and have proof why this is not showing on my report that this Account is paid in ful
Product: Credit reporting or other personal consumer reports

I urge you to thoroughly investigate this matter and take the necessary steps to rectify this error as soon as possible. Your immediate attention to this issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Ive paid the debt collection company for XXXX accounts in XX/XX/XXXX and XX/XX/XXXX. Requested if this could be removed and I was told its not possible for collection agency to remove it and for me to call credit bureaus but credit bureaus say opposite Please can these XXXX paid accounts be removed? Im trying to buy a home