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

factual data has done hard inquires on my credit report. I have contacted them they have no response. https : //www.factualdata.com/index.html.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello The problem that I am having are listed on the previous selected options. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I

w as trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers. 15 USC 1681 ( a ) ( 4 )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Transworld Systems for Inaccurate Debt Reporting Dear CFPB Representative, I am filing a formal complaint against **Transworld Systems** , a debt collection agency, for inaccurately reporting a ** {$910.00} collection account** from XXXX XXXX on my credit report. The account number is XXXX. 
# # # Nature of the Complaint : - **I never resided at the address linked to this debt. ** My name is not on any lease associated with that address. 
- **I never received any bills, statements, or prior notices regarding this alleged debt. ** - **Transworld Systems has failed to provide proper verification**, violating my rights under the **Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) **.

# # # Violations Committed : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : ** Reporting inaccurate and unverified information despite my dispute.

2. **Violation of the FDCPA ( 15 U.S.C . 1692e ) : ** Using false or misleading information to collect a debt I do not owe. 
3. **Failure to Validate Debt Under 15 U.S.C. 1692g : ** Transworld Systems did not provide a valid contract or proof that I am responsible for this debt.

# # # Requested Actions from the CFPB : - **Investigate Transworld Systems** for unlawful credit reporting practices.

- **Require the removal of this fraudulent account** from my credit report.

- **Issue sanctions or penalties** against Transworld Systems for non-compliance.

I have already disputed this account with the credit bureaus but have received no satisfactory resolution. I am requesting that the **CFPB intervene** to ensure compliance with federal law. 
Please confirm receipt of my complaint and inform me of any required next steps. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported inquiries that are incorrect and I didn't authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB  : XXXXXXXX  Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and unauthorized items reflected on my credit report. These items violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws, which ensure the accuracy, privacy, and security of consumer credit information. Additionally, I believe these errors may be connected to recent data breaches that compromised my personal and financial information, resulting in unfair credit exposure.

Disputed Items : 1. Negative Items : The following negative entries are incorrect please REMOVE THESE ITEMS FROM MY CREDIT PROFILE XXXX XXXX XXXX XXXX Account XXXX ( Charged-Off ) XXXX XXXXXXXX Credit Account XXXX XXXX Charged-Off ) o XXXX XXXX Account XXXX and Account : XXXX XXXX XXXX XXXX XXXX Account XXXX Grounds for Dispute : Under Section 605 of the FCRA, credit reporting agencies are obligated to : Ensure all information reported is accurate and verifiable.

Remove or correct outdated or unverifiable information ( older than seven years, except for certain bankruptcies ).

Protect consumer credit files from unauthorized access.

I believe these inaccuracies are a direct result of the credit breach that exposed my sensitive information. I have taken steps to secure my identity, including filing reports with law enforcement and placing a fraud alert on my credit file. I have also enclosed the following documentation to support my request : Legal Compliance : As part of your investigation, I request written confirmation of your findings and any actions taken. I expect these disputes to be resolved within the 30-day period stipulated by the FCRA. Please be aware that failure to comply with these requirements may result in additional complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action.

Detailed Investigation Report : Provide a detailed explanation of the outcome for each disputed item, including any supporting documentation used to verify the items. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute by [ insert preferred communication method : email/phone/mail ]. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
I look forward to a timely resolution of these issues. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.crypto.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX Based upon the understanding that www.crypto.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Crypto.com. Unfortunately, Crypto.com provided a formal response to our justified request, failing to provide the requested information about the VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.crypto.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account XXXX XXXX, and XXXX XXXX account XXXX XXXX have 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: Prepaid card

On the morning of XX/XX/2024, I opened my Money Network app to check my balance. I woke up to find that my entire account had been cleared out. I saw that there was a transfer made for the amount of {$1300.00} ; to a personal bank account. I did not make this transaction. Not only did I not make that transaction, I have no clue what bank account it was transferred to. I immediately called Money Network to file a dispute for the transaction. This transaction was obviously theft. A representative from money network then closed my account, and told me that she would mail out a dispute form. It took almost XXXX weeks for the dispute form to show up in the mail. Once the dispute form arrived, i filled out all of the information and emailed it back to Money Network. I ended up receiving a denial letter for my dispute in the mail ; before Money Network even received my filled out dispute form. The denial letter stated that Money Network had found " no error had occurred " and closed out my dispute. Money network did not provide any information or proof, of how they came to that conclusion. I tried calling Money Network to talk to some one about the denial letter. Every time i would talk to some one, they would brush me off ; so i would ask for a supervisor. Every time I asked for a supervisor, they would just hang up on me - or transfer me to the California XXXX hotline. At this point, I am absolutely fed up with Money Network. Somebody stole all of my money, and Money Network refuses to do anything about it. I am currently out of work with a XXXX. It is horrible that Money Network would let something like this happen ; and not do anything to resolve the issue.
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 USC 1681- XXXX XXXX XXXX Account XXXX... 
XXXX XXXX XXXX Account XXXX. 
XXXX XXXX XXXX XXXX- Account number- XXXX .... 
XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX ALL LISTED COLLECTIONS HAVE 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 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 Another 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.

[ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) XXXX DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO EQUIFAX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT.

[ 15 U.S.C. 1681 ]
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an issue involving XXXXXXXX XXXX and ChexSystems. I was recently informed by my lawyer that I am listed in ChexSystems for alleged fraud with XXXXXXXX XXXX including claims that I owe them money.
Product: Credit card or prepaid card

I do not have an EDD card for CA benefits. received this text on my cell : Dear Bank of America XXXX XXXX XXXX XXXX, Due to security upgrade on the Bank of America XXXX XXXX XXXX system, We urge you to verify your account to help prevent fraud. 
Click or copy and paste the secure upgrade weblink below to your browser to continue http : XXXX XXXX, Bank of America XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed my account number with XXXX XXXX as reporting inaccurate on my credit report with late payments and inaccurate statement balances. now the account is not reporting at all. I ask the account be re-inserted into my credit report.This card was lost/stolen and I am not responsible for the {$290.00} balance and the {$40.00} late fee. The account was valid, but account balance were incorrect. After disputing this with Transunion, the company deleted the account entirely which has adversely affected my credit as now I have no credit history whatsoever.
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card

Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. 

After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. 

Further, they had promised to help resolve my issues before the next pay period. They of course did n't. 

When I called back after their account person, ( XXXX XXXX ) literally hung up on me, I was then told that MY ACCOUNT IS N'T IN BAD ENOUGH STANDING to qualify for any settlements. They literally admitted that they were only seeking to help themselves by offering to look into a settlement option. They would rather I keep being stuck in my high interest rate XXXX with no option for a settlement since I had been paying for the last year attentively. 

My calculations show that interest and fees combined put my effective interest near 40 percent over the last year.
Product: Credit card

I filed a complaint with the CFPB and it is currently active. I have communicated with CHASE on numerous occassions as to why my credit limit of {$5800.00} had not been restored. They cited that two payments of over {$5000.00} had tried to clear my account and they had to wait to get that settled first. This occured when I attempted to pay my credit card off and the fraudeluent payment I contacted CFPB about overlapped. My full payment could not be applied because the fraudulent payment removed from my account was in process of being refunded. Eventually the pay off was applied and a balance of XXXX remained. I was told my credit limit of XXXX would be reinstated on XX/XX/XXXX. It was not and I called again being told it would be the first week of XXXX ( I do mnot recall the exact date but I think it was XX/XX/XXXX ). I checked and it was reinstated to the {$5800.00} and the balance of course was the XXXX. I then allowed several charges to go through and set a limit of no more than {$2000.00} ever being charged on this card again. I have these conversations recorded and I am sure chase does too. Please request the conversations so that you will see I asked multiple times about my {$5800.00} credit limit.

To my horror I received a letter yesterday that my credit limit was reduced to {$1800.00}! I was mortified as I have been in constant communication with Chase and was never told my limit was up fpr reduction but was ensured the complete opposite that my full credit line was being reinstated! They reduced it by {$4000.00} causing yet another hit on my credit score! I received an alert today that my credit score dropped by XXXX points! This is clearly retaliation for contacting CFPB. All the reasons stated are fale my credit score is not XXXX but was XXXX I do not have any high balances I have no charge offs slow pays or late pays! I am hypertensive and I was unable to function at work due to XXXX XXXX XXXX XXXX XXXX XXXX. My credit is vital in provising care for my mother with XXXX. She has to have a care giver and ona XXXX  salary credit is a must. My dad recently passed and I shared with Chase as a long time customer the way I have been treated is deplorable. I have been a customer for about XXXX years and to be treated this way in the midst of personal crisis is beyond debilitating. Had I been informed my credit line was going to be decreased to {$1800.00} there is no way I would have used this card. Id have paid the XXXX and left the card unused I have several other cards i could have used. One has a {$9800.00} credit limit and has less than {$1000.00} on it and the other is {$4800.00} with a XXXX balance. This is sabatoge and retatliation and I am going to make sure this is made known to all. Please pull the recordings where I was told the balance would be reinstated to {$5800.00} once my payment of over {$5000.00} cleared. I have good credit and I paid the card almost off.This is criminal. Please provide the CEO of Chases number please. I asked for a number for the complainr department or an emai land was told I had to write a letter????
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern : You recently stated that my dept was sold to a collection agency. Since the dept was sold to a collection agency, it is required by law that you mark this dept accurately on my credit report. If it was pay for less, you must mark it as pay for less or remove it from my credit report. 
XXXX SALLIE MAE BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an email and a phone call from Discover asking me to give them digital access to my IRS Profile. The rep explained that my account had been flagged for verification and if I did not allow access to my IRS Profile to Discover they were going to close my account immediately. 

I currently have an outstanding balance with them and I am just now in a position to start paying payment to them, I lost my husband due to XXXX XXXX which started in XXXX of this year to XXXX. 

Also, the card I have is a special design card in RED BLACK and GREEN which signifies XXXX XXXX  I honestly believe that DISCOVER is targeting XXXX XXXX  bullying them for their information to either sell them more services or take them away, why else go for my IRS Profile. My IRS Profile was not required for approval of the card, why now? I have not indicated any fraud on my account. I need answers because now they are going to close my account sell it to a XXXX company for collection and I will end up paying double what I owe and will never get justification for paying this bill off with fair reporting to my credit bureau account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.
Product: Money transfer, virtual currency, or money service

I have yet to see the proceeds from my US wire transfer created on XX/XX/XXXX, yet an ACH transfer has arrived and the Coinbase site says the wire transfer was completed on XX/XX/XXXX. They state that Wire Transfers only take a day or two to complete, but it has been two weeks and I have not received my funds. 

The amount was in the thousands and it was sent to my bank on the same account as my ACH, which did succeed, so I know the bank information is correct. I have contacted my bank 's wire department and they have no record of any wires for that amount over the past couple weeks - so it was n't an issue with the account details being incorrect, my bank had n't received any wire for that amount for any account. 

I first contacted Coinbase support via their support ticket tool on XX/XX/XXXX - but only received " canned '' responses for issues totally unrelated to mine. I responded to the ticket several times, and got a different " canned '' response for a totally unrelated issue, and eventually Coinbase stopped responding entirely.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!!
Product: Credit reporting or other personal consumer reports

Lvnv funding XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX account XXXX XX/XX/year> This is not my debt asking it to be remove from my credit report