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

I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

The repeated occurrence of fraudulent activities reflects poorly on your company 's integrity and competence in handling sensitive financial matters. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX XXXX XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX Balance XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

To whom it may concern, one of the Major Credit Bureaus XXXX   exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against XXXX as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX XXXX   XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX  data breach.
Product: Debt collection

Security Credit Services LLC Starting in XXXX law- suit against myself was filed by this company regarding a credit card debt. XX/XX/XXXX, I was facing a serious health treat was not working at the time, as I was starting XXXX treatment. At that time an agreement form was completed at the court outlining my inability to pay. 
in XXXX, once again they filed a petition, where according to court documents the case was dismissed after they fail to service. Security credit services transferred/sold to several Attorney groups. a few weeks ago, I discovered even after case had been dismissed, they had placed a lean on the home dated XXXX. Security Credit Services not only placed a lien on a home after case was dismissed also failed to update /notify the XXXX XXXX court to update system indicating case had been dismissed. Due to this action, I'm having a hard time applying for a loan. During the last XXXX weeks have contacted every attorney group involved with this case and none has any records whatsoever of this file/debt. I have also contacted Security Credit Services
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

XX/XX/XXXX My spouse contacted Chase about return of her misdirected bill pay payment of {$1800.00} to Chase.com. It was intended for our mortgage company - not Chase. Our balance owed to Chase was {$50.00} or so and was paid separately.

Repeated calls to Chase- with long wait times often more than 30 minutes- yielded conflicting and unhelpful replies about correcting the repayment. Including that our bank XXXX XXXX needed to send documents to Chase to facilitate the correction which Chase reps said were received on XX/XX/XXXX. 

XX/XX/XXXX Chase advised an electronic refund payment would be made to our checking account at XXXX XXXX within 3 to 5 business days. 

XX/XX/XXXX Having received no payment, we called Chase again. Rep, XXXX XXXX told us that payment would be sent to XXXX XXXX by XXXX. that day. 

XX/XX/XXXX According to XXXX, payment was still not received. We called Chase. The rep advised that the bank had no detailed record of our calls, including that payment was due to be sent by XX/XX/XXXX, even though other reps assured us that a record was being logged. This rep said we might receive email notice within 72 hours about a means to facilitate a " good faith refund '' by electronic transfer. If no email is received, a paper check would be sent to our residential address within 10 days. 

The rep added that this step indicated a failure with Chase 's error correction process and noted that we were filing a complaint with Chase for same. 

In addition, our bank, XXXX, was not supportive in working to correct the error despite promises to work with us and Chase. 

At this point, Chase will have wrongfully had our money for more that 30 days. We find this unconscionable as this far exceeds any balance otherwise owed to Chase. They have no right to the payment. It was a mistake. They are at best incompetent in resolving this and worse negligent maybe even willfully so.
Product: Credit card

I applied for a zero percent balance transfer and the company changed the rate in one week
Product: Credit reporting, credit repair services, or other personal consumer reports

This accident was filed XX/XX/XXXX XXXX XXXX  by XXXX XXXX XXXX department. I submitted this fraudulent.account to all 3 credit bureaus with the police report, FTC report and XXXX  complaint. The XXXX account was closed with the company as fraud. Now XXXX XXXX XXXX, reopened or purchase debt that was closed already. The account wasnt opened in XX/XX/XXXX and the original price was {$1500.00}. I will attach the police report from XXXX XXXX XXXX department with correct times and date and FTC report. Along with XXXX letter closing the account. I currently have XXXX and that old account & balance isnt mine. 

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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This morning, I attempted to call the debt collector to resolve my issue. I was trying to make a XXXX month payment arrangement. The lady who answered was very rude immediately with a negative tone. She didn't read the mini XXXX before asking me personal questions. After this, I asked to discuss a payment arrangement. She told me no, and the balance in full is the only option available to me or they will garnish my bank account. I told her I am willing to work with her, and I am a XXXX who receives XXXX benefits as I am a XXXX veteran. She refused to work with me. I asked to speak to a XXXX, she said I can't as she is not in, and will send me to her voicemail. I told her I want another XXXX then, she ended the call.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : CAPITAL XXXX Account Number : XXXX
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 : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX Balance : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Ref : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I put in dispute with credit reporting agencies and one removed accounts from consumer report and others didn't and pursuant to 15 usc 1681c ( f ) it states that the credit agencies shall include the facts in each consumer report meaning that if one consumer reporting agency removed the accounts it shall be removed from other credit reporting agencies. Also I never give them purposes my written instructions to furnish these accounts pursuant to 15 usc 16881b ( a ) ( 2 ) clearly states that the consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. If I never gave them my written instructions to furnish these accounts they never were to be on my consumer report. Referencing to 15 usc 1681n any person who willfully fails to comply with any requirement imposed with the respect to the consumer is civil liability for {$1000.00} per action. Referencing to 15 usc 1611 ( 3 ) whoever willfully and knowingly fails to comply with any requirements imposed under this subchapter shall be fined not more than {$5000.00} or imprisoned not more than one year, or both
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get into acct bc my info does not match
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  U XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit card or prepaid card

I bank with Chime Bank and have a checking account and a credit building credit card with them. 

On XX/XX/2021 my account was hacked and my account information ( email and phone number ) was changed to an individual that was not me. I called Chime Bank to inform them of this. I sent multiple emails to get my information changed back to my own. They took over 24 hours to do so. Upon them taking their time to change my information back, 3 fraudulent transactions took place with my credit card, in the amount of {$500.00}. I called Chime bank the next day to let them know about the fraudulent transactions. They said I had to wait 2 business days in order to file the claim. 

Then on XX/XX/2021 I received notifications that my account information ( email and phone number ) has been changed again. The individual who was able to do this then transferred {$100.00} out of my bank account to another user. I called Chime Bank to let them know about the transactions and that my account information was changed again and that the transfers had occurred. They changed my account information back to my own and let me know that I had to wait till file the claim, once again. 

Then, on the same day, my account was accessed fraudulently 6 times again. The person responsible who change my account information as soon as I had it changed back. I reached out to Chime to ask how this would be possible, but they didn't give me any information other than to change my password ( which I had already done 5x ). 

I file a police report with XXXX police to let them know that this is happening. 

They negligently kept sending me the same card with the same card over and over, which none of the new cards I've received. This made it easier for someone to perform fraudulently.
Product: Checking or savings account

Wells Fargo is closing my account because of high amounts going into the account through XXXX and being withdrawn which isnt illegal and my fiduciary account is being closed also that is illegal because it was set up by a lawyer for myself and they wont keep it open when I need it
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section XXXX of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX days. 

Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Complaint Regarding Withheld Direct Deposit and Resulting Financial Hardship Dear Consumer Financial Protection Bureau, I am submitting this complaint to report a significant issue with my bank Capital One bank, regarding the withholding of my direct deposit, which has caused severe financial and personal hardship. 

Details of the Issue : Deposit Date : My employer issued a direct deposit on Wednesday, XX/XX/XXXX, but as of Friday, XX/XX/XXXX, the funds have not been deposited into my account. 

Bank Involved : capital one bank Amount of Deposit : up to XXXX $ Impact of the Issue : 1. Utility Bill : I am unable to pay my electricity bill, and I risk disconnection during extremely cold weather. This poses a serious risk to my family, including my young daughter. 


2. Car Payment : A scheduled car payment was bounced due to insufficient funds, resulting in a late fee. 


3. Basic Necessities : I am unable to purchase food, gas, and other essential items. 



I have contacted my bank to resolve this issue, but they have not provided an adequate explanation or solution. The delay in releasing my funds is unjustifiable and has caused significant distress. 

Resolution Requested : 1. Immediate release of my direct deposit.

2. Compensation or reimbursement for late fees and penalties caused by the delay.

3. A formal investigation into why my deposit was held. 



Supporting Documents : I can provide supporting documents, including : Proof of my employers deposit. 

Correspondence with my bank. 

Evidence of bounced payments and late fees. 


I trust that the CFPB will investigate this matter and ensure that the bank is held accountable for their actions. 

Thank you for your assistance. Please feel free to contact me for any additional details. 

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

I called Navient earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus XXXX and XXXX on Monday, XX/XX/XXXX that my credit score had dropped XXXX points. I opened my credit reports to notice that my Navient student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : Credit Rent Boost ( XXXX XXXX ) ACT # XXXX We are under land contract and the lady that we bought our home from has falsely listed my information under a credit rent reporting program. 
We are not landlord tenant. 
I am under a land contract so this information is being falsely reported as we do not pay " rent '' This lady has already started a forfeiture process and signed us up with this program after the fact to affect our credit.