23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The dispute investigation sent to me does not align with regulation E and was not properly investigated. My purse was stolen out of target. My chime card info was stolen and hacked. I filed a police report. I contacted chime to dispute the charges and was given a new card. Within an hour they denied dispute with no info given. I called back and kept having them reopen it and provided all info including the camera footage from XXXX  and they kept denying the claim. The denial letter they sent me had no details of a proper investigation, if it was properly done they would see right away it was fraud. Dispute numbers XXXX and XXXX Disputed Amount : {$3900.00} Desired Settlement : Refund
Product: Credit reporting or other personal consumer reports

I've submitted proof of my time being XXXX  I've Dispute Unauthorized Accounts and Request for Investigation under 15 USC 1681 et seq. I am writing to dispute unauthorized accounts and inquiries on my credit report due to identity theft. I request an immediate investigation and correction of my credit file under the Fair Credit Reporting Act ( FCRA ) and relevant U.S. Code sections. I recently reviewed my credit report and discovered several inaccuracies that do not belong to me, indicating I am a victim of identity theft. The following accounts and inquiries are fraudulent : Account Name : Fraudulent Account XXXX Account Number : XXXX Reason : Not opened by me. 

Account Name : Fraudulent Account XXXX  XXXX Account Number : XXXX Not opened by me. 

Account Name : Fraudulent Account XXXX XXXX Account Number : XXXX Not opened by me. 

Account Name : Fraudulent Account XXXX XXXX XXXX  Account Number : XXXX Not opened by me. 

15 USC 1681b ( c ) : This section outlines permissible purposes for accessing consumer reports. The unauthorized inquiries on my report violate this statute as they were not made with my consent. 

15 USC 1681g ( a ) ( 5 ) : This section requires that I am provided with all information in my file at the time of the request. The existence of these unauthorized accounts and inquiries indicates that my file contains inaccurate information. 

15 U.S.C. 1028A : This statute provides for penalties for aggravated identity theft. The presence of fraudulent accounts and inquiries on my report suggests a violation of this law.

15 USC 1681b : Access to my credit report must comply with permissible purposes. Unauthorized access constitutes a breach of this section.

15 USC 1681 : The general provisions of the FCRA ensure the accuracy and privacy of consumer information. The fraudulent activity on my report contravenes these principles. 

15 U.S. Code 1681c2 : This section specifically addresses the blocking of information resulting from identity theft. I request that you block and delete all fraudulent information promptly.Requested Actions : Conduct a thorough investigation into the unauthorized accounts and inquiries listed above.

Remove all fraudulent accounts and inquiries from my credit report.

Send me a copy of my updated credit report reflecting these changes.

Provide written confirmation of the results of your investigation and the steps taken to correct my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX this year possibly sooner my account was frozen and card shut down XXXX  fear of account takeover. Spent the following months verifying identity, awaiting XXXX investigations all to work in my favor but remained without access to credit line. Repeatedly told month after month new card on the way. Finally novemeber after making all monthly payments on time for 2 years and no bad history yet still without access I called to cancell account. Manager level 3 got on phone and said weren't gon na ask for anymore payments till card was delivered but there would be another 5 business day delay then mailing. So XXXX and XXXX  they would not ask for payments and all monthly fees for past 4 months were refunded as an apology. XXXX comes and reports late payment 30plus days which is possibly interfering with loan application for hurricane damage. Contacted company numerous times. No resolve. Have requested account closure since XXXX if company can't provide card of access to credit line.
Product: Checking or savings account

Citibank blocked my checking account on XX/XX/XXXX without any notice before, and I suddenly lost my account and my money locked in the account. Citibank reply to me to wait 30-60 days to process and close it. On XX/XX/XXXX, I checked my account is closed but I didn't receive my refund check after 3 weeks. And during this period I called Citibank again and again, every time bank told me it is in process. I don't understand why still hold my money so long since the account was closed and I had waited long time. I told them I have to move out next month and hope them push the process quicker, but still no any response! They don't care about their customers situation which I am in urgent to my money. They don't respect customer because they block and close with no any previous call or notification to verify. I am very angry with their service and disappointing their attitudes. Keep delay and keep transfer my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Product: Debt collection

Previously I disputed Commonwealth Financial with the credit bureau in which they said the credit reporting was validated as accurate. So I filed a complaint recently with CFPB XXXX complaint number about the reporting from Commonwealth Financial reporting XXXX the bureaus and how I thought my Hippa rights were violated. In which Commonwealth Financial responded by stating they were in compliance with the Hippa laws in which I was complaining about. However, I also asked for full validation of this alleged debt. I asked that Commonwealth Financial send me documentation of the original contract with the original creditor or provider of services which is XXXX OF XXXX with my signature, and a breakdown of all fees and services rendered but they have NOT provided it. They have failed to meet the requirements to validate this alleged debt. Commonwealth Financial also sent me a letter showing that the account holder aka CURRENT CREDITOR of this alleged debt is XXXX XXXX XXXX. 
XXXX XXXX XXXX is a debt buying agency aka debt collections agency itself. How is Commonwealth showing XXXX XXXX XXXX as a current creditor in the documents they sent me? This is a lie and a violation within all violations! How is Commonwealth Financial collection agency attempting to collect a debt for another collection agency? And why is Commonwealth Financial still reporting this alleged debt to the credit bureaus if XXXX XXXX XXXX owns this alleged account? Why isn't XXXX XXXX XXXX this to the credit bureau? What I do know is that I do not have a written agreement or contract with Commonwealth Financial and they have failed to validate this alleged debt with me. They have no right to be reporting this alleged debt on my credit report especially since they do not own this account. I would like for commonwealth to provide answers and documentation to all my questions and for them to stop reporting this alleged debt to all cra 's. At this point Commonwealth is in Violation of 15 USC 1692e A debt collector can not use false or misleading representation or means in connection with the collection of a debt, 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debts, 15 USC 1692f Unfair Practices attempting to collect an alleged debt, 15 USC 1692f ( 1 ) Attemtpting to collect a debt unauthorized by an agreement between parties and 15 USC 1692b ( 5 ). There is a {$1000.00} fine per violation but I will settle out for {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts on XXXX report
Product: Credit card or prepaid card

Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Our former bank, People 's United, was acquired by M & T Bank and the merger was completed this fall. We moved most of our banking accounts to another institution but left about 17 credit cards with M & T. 

We have attempted to made timely payments on our accounts each month ( XXXX through XXXX ) and there have been multiple issues every month. Including : *Checks cashed but not applied for over 15 days. 
*Checks said to be missing ( so we paid another way ) then found and later incorrectly applied a month later. 
*Online payments that said " accepted '' later not posted ( resulting in late fees ) with no notification of the decline or the payment. 
*We have attempted to may payment at a branch ( told impossible ) It has left us with literally no way to make a timely or accurate payment and hundreds of dollars in late fees and charges. The bank is working with us to reverse these but it has taken days of our very limited resources to work out. I'm told we are not the only customer experiencing this. The processor is a company called XXXX run by XXXX. I don't know if it is the fault of a rough merger integration, something in XXXX or what but I do know that as a consumer, I'm trapped in unavoidable fees and a circle of accounting problems. 

We are moving our cards to another institution but I thought it important for the CFPB to check in with M & T and ask how it is going. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

There is a charge for {$450.00} on my Fidelity Reward Visa ending XXXX that was not made by me. The online system does not seem to work at all since I can't review the transactions or even get my statements from the online portal. Please dispute the {$450.00} fraudulent charge from my account and credit me for the {$450.00}. Thank you.
Product: Credit card or prepaid card

I have a first progress credit card. Where I make a {$100.00} minimum payment. I payed on time thorough out all the pandemic. I recently have gone through a financial hardship and I missed one payment because of that. I then made the payment but I still had a late payment on my record. It was in XXXX of 2021.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I looked at my consumer report with Experian and noticed the following violations. 

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you Experian permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, Experian, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note I have also attached an invoice for said violations.
Product: Credit reporting or other personal consumer reports

I NEED THIS ACCOUNT REMOVED OF MY CREDIT REPORT. 

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

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2021 Credit Bureau : Equifax Address : Not Listed
Product: Credit reporting or other personal consumer reports

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from XXXX that someone placed an inquiry on my XXXX  report with Bank of America. I didnt apply for anything as I bank with XXXX 

On XX/XX/2022 I received an alert on XXXX  that someone placed an inquiry on my XXXX report with XXXX ( XXXX ). I didnt not apply for any credit with this company. I called XXXX I spoke with customer service and they asked for my name, they placed me on hold to review they advised me that they were unable to locate an account and were unable to remove the inquiry to contact XXXX. I Called XXXX and reported the problem. They advised me that they would send them letter requesting that they look into this issue further. They provided me with a case number as XXXX. Please help me with these two issues. Feel free to contact me via email. 

Thank you
Product: Checking or savings account

To whom it may concern : on XX/XX/2022 On my Chime checking account I was charged twice by the same company ( XXXX & XXXX ) 1 ) {$120.00} at XXXX am and anotherfor {$120.00} at XXXX there was no store # included on my bank statement. I called Chime right away and they stated I need to wait until the charges have been finalized. I call back in 2 days and filed a dispute for those charges, the claim was denied stating Chime could not find any errors. I called back and spoke to Manager XXXX XXXX XXXX ID XXXX. He stated if I could send some sort of documentation, I sent over my actual completed form stating I was working that day and that my debit card was on me at the 1st charge at XXXX. I also asked if I could have the store location so that I could call them and see the camera 's that I was actually there, he stated he does not have that information. Per XXXX & XXXX customer relations stated " That in order for XXXX & XXXX to charge a card, we have to get approval provides the back/Card. The approval provides the bank/card with all the merchant information like store #, address and mechant numbers. for a dispute and or/ police reposrt, this documentation need to come from the bank/card for record. They '' ll need to provide the transaction details for any transaction it approves or posts. '' I have also filed a police report # XXXX. I have received another email from Chime stating it was denied. Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
This account is incorrectly reporting that I have 32 late payments with XXXX. On my Transunion report there are 12 late payments being reported. XXXX is showing account past due and balance is {$0.00} Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
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 XXXXXXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXXXXXX XXXX # XXXX, has violated my rights 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 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

Hi Portfolio Recovery Associates reports an account which is not mine I live in XXXX XXXX since XXXX yet this account is reported under my name which does not belong to me. After lengthly connections calls and discussions portfolio recovery is still not willing to remove the account even after XXXX  and XXXX  took it down from y report they put it back on. I need help to have this false account removed from my report. 

statement about the crime. 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX USA Phone : XXXX Email : XXXX Personal Statement Hi I live in XXXX since XXXX I can not possibly have opened this account as I did not live in the US in XXXX to XXXX or after that Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Portfolio recovery Date fraud began : XXXX / XXXX Date that I discovered it : XXXX / XXXX Total fraudulent amount : {$8300.00} Fraudulent Information on Credit Reports Accounts or ChargesYes, fraudulent accounts or charges appear on my credit reportPersonal InformationAddresses : No Data Supplied Phone numbers : No Data Supplied Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.XXXX XXXX XXXXDateUse this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
*Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

PreviousFinalize please remove this fase information from my credit report or at least stop reporting it if it was already removed by XXXX  and XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$250.00} for an excursion ( scheduled for XX/XX/XXXX ). The excursion was not delivered as agreed ( large group vs promised private tour, places to visit different than what agreed, drinks not included as promised ). The merchant did not offer any compensation or refund. I called Chase Disputes on XX/XX/XXXX, and the agent refused to even open the dispute investigation stating my motivation does not qualify for a dispute. However, the FTC Consumer page states how " charges for goods and services that weren't delivered as agreed '' is a valid reasons for opening disputes.
Product: Money transfer, virtual currency, or money service

I wired {$44000.00} from XXXX to Navy Federal Credit Union due to a scam on XX/XX/year>. The scam is not my complaint. The scam is the context. The receiving Navy Federal Credit Union Union identified the {$44000.00} as suspicious activity and held the money while they contacted Chase wire transfer team. I with my local bank employee identified the transfer as due to a scam. All conversations about this matter except with the local bank employee took place on the phone. I understood at the time way back in late XXXX that the money would be returned through a wire transfer recall and that I would pay a small fee under {$50.00}. XXXX agreed to send Navy Federal Credit Union the Hold Harmless Letter they requested. XXXX XXXX XXXX informed me they sent the Hold Harmless Letter on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX informed me they sent a second letter Navy Federal Credit Union did not wire my money back for five months. After multiple requests by XXXX XXXX XXXX including a request by a manager, they only returned 66.40 % or {$29000.00} on XX/XX/year>. Navy Federal Credit Union did not return {$14000.00}. My request is that Navy Federal Credit Union return the remaining funds minus an appropriate transfer fee. 

In addition to my multiple contacts by phone with various Wire Team employees, I called the Navy Federal Credit Union in Virginia where where they held my funds. The employees would not talk with me because the account there was not my account. 

I have the details of my own account number, the date I wired the funds, the account the money was wired to and the address and phone number of where the money was wired to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit and 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 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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

XXXX This account inaccurate from the first day of reporting please have it remove
Product: Mortgage

In XX/XX/XXXX I went to XXXX XXXX to request assistance with obtaining a modification on the mortgage of my property that had been in default since XXXX. The mortgage company at the time was XXXX, although my loan was initiated with XXXX Bank. XXXX  XXXX advised that the best course of action would be to file bankruptcy while we seek a mortgage modification from XXXX. I entered bankruptcy in XX/XX/XXXX, the mortgage modification paperwork was received by XXXX in XX/XX/XXXX. XXXX denied the mortgage modification in XX/XX/XXXX ( during the XXXX pandemic ) citing income inadequacy. The attorneys set a mediation to appeal the denial. The servicer then allowed me to resubmit the mortgage modification paperwork. I attempted over the course of the next XXXX years ( while still in bankruptcy ) to complete the mortgage modification obliging all requests and never received a response. My bankruptcy ended in XX/XX/XXXX. I made XXXX additional bankruptcy payments for XXXX and XXXX of XXXX. The bankruptcy will be XXXX with a successful completion within the next 30 days. I still did not receive a response and the mortgage servicer declined my modification citing incomplete paperwork. I was informed that the foreclosure on my property has recommenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged the same amount twice of {$5700.00} equaling {$11000.00} by this creditor