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

I opened an account with Chime bank in XXXX or XXXX, I had deposited and spent hundreds of dollars into the account. A few month in, I went to log in to the account and got an error message. I reached out and they told me that my email was not verified, even though they had sent me multiple emails before. There is still over {$100.00} that they have not allowed me to access. CHIME - I want my money back!
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 XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.
Product: Debt collection

I receive constant calls from XXXX XXXX XXXX to collect a debt from some credit card purchases made with an Ikea card ( that I've never owned ) and in a state that I've never been in.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI XXXX 'S! How did you actually verify this account? Impossible! I've contacted this company several times for the last 6-9 months because you're reporting old, obsolete, and trying to collect a debt that's beyond the statute of limitations. When i even contacted XXXX XXXX to see if i can resolve the {$700.00} balance, many of the representatives and managers stated that unfortunately, they can not collect the debt because it's paying the statute of limitation that they had submitted a correction to the credit bureau back in XX/XX/2021 to delete this account from my credit report. You are reporting incomplete, misleading, and multiple innaccuracies. You are causing me so much XXXX and medical issues on this account. I'm trying to buy a house and my mortgage company stated that this account is too old to be reported but it's causing issues with my credit score and DTI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX XXXX : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.
Product: Debt collection

A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il.
Product: Credit reporting or other personal consumer reports

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car in XXXX accidents back to back. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX  ) i will also be uploading from there as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to notify Equifax that a crime has taken place concerning my identifying information and my credit report. A suspect has applied for credit in my name and has destroyed my credit reputation. Credit reporting agencies have a duty to only report fair and accurate information. I believe that reasonable procedures should be in place to make sure that the consumer consents before any information that is fraudulent gets furnished and reported. 
Please block these fraudulent accounts within 4 days. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  -Date of inquiry : XX/XX/XXXXXXXX XXXX -Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, I was in agreement for a product for a XXXX  company I work for. The merchant didnt provide the agreed product but indicated fees associated. After sending the fees and funds, I asked for my money back. The individual mentioned it was all a scam and money was sent to other using emails and account information. I attempted to reach out to Chase to support in retrieving information on the recipients for a pending lawsuit or to retrieve the money back. 

On XX/XX/XXXX two scam transactions occurred, one for {$800.00} and another for {$1200.00}. XX/XX/XXXX : one for {$1200.00} abs another for {$1000.00} occurred. 
XX/XX/XXXX : Two transactions one for {$2000.00} and another for {$1000.00}. As well as another for {$1000.00} occurred. Ive reached out to me bank to inform them of the fake business and transactions that occurred. I attempted to open a case and Chase denied it. I mentioned proof that another vendor, XXXX, confirmed this business was a fake business. In addition to hiring a private investigator. Yet, they denied it.
Product: Debt collection

I had a judgment placed on me for medical bills that I never received on XX/XX/XXXX, 2017 by Puget Sound Collection Inc. ( PSC ) in the amount of {$5800.00} and PSC court Fee 's of {$530.00} which totals out for them to be {$6400.00}. I noticed the large amounts of medical bills and immediately contacted PSC Inc. and found out that most the bills were due to a L & I claim that I had years ago that multi-care never bill them for but knew it was an L & I claim. PSC and Multi-care both denied that it was but I had medical proof that they knew but did not disclosed this to me or the court. I began to investigate this insane amount. my findings through doing a discovery with a legal aid service & L & I showed that Multi-care knew that most of my bills that I was being persuade for were in fact a claim from years ago. I contacted PSC and was told to take it to court it does n't matter to them if I can prove that they falsified documentation or not it 's up to the court to decide and since judgement was already ordered against me I was told " GOOD LUCK '' after weeks of hard work and labor and taking days off work to attend to this matter I finally submitted my paperwork to the court on XX/XX/XXXX, 2017. I spoke with PSC Lawyer XXXX XXXX XXXX after I saw the judge on my case who set a court date for XX/XX/XXXX, 2017. we had a conversation and he emailed me the next day. and I responded to his email back in reference to my case. we came to an agreement on the amount owed. and paperwork was finalized in court on XX/XX/XXXX, 2017. I went to PSC Inc. dropped off the paperwork that day from the court and came back on the XXXX of XXXX and made a payment of {$250.00} in cash to PSC and noticed that they are charging me fees for court and there lawyer, this is not what I agreed to with the Lawyer that represented PSC Inc? I have attached the following PDF files in the order of events as they occurred.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX I receive an email on my XXXXXXXX XXXX as below : A new device was recently used to sign in to your account. 
When : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX What : The Capital One Mobile App on an XXXX I don't have XXXX, so I try to log in my account but not able to get on. Someone change my password so I have to use my XXXX XXXX to verify to able to log in. After I got in my account, my saving account show {$7000.00} withdraw from my account from the branch ( don't know which branch ). I call Capital One file the report and have them help me. They close all my accounts and reopen to the new account. They told me it will take XXXX XXXX XXXX  for me to get my new account numbers and get my money back. As of XXXX XXXXXX/XX/2023, I still have no update on when I get my money back. 
At XXXX XXXX, I got email from customer security to ask me to call them as below : " Please call us at XXXX as soon as possible so we can verify this recent activity ''. I call them and they told me that someone have a counterfeit my driver license ( the DL was using is issue in XXXX from XXXX ) and went to the branch in XXXX XXXX XXXX XXXX XXXX from my saving. I live in XXXXXXXX XXXX and not sure why the bank give the that much money. That is all I know from them. 
I call Capital One on XXXX XXXX XXXXXXXX and each customer service give me different answer. The security customer service told me the case still investigate and don't know when the money will get back to me so he transfer me to claim department. The XXXX from XXXX XXXX told me to go the XXXX XXXX branch to file the claim to get my money back. I hand up and call customer service. She told me to the branch in XXXX and they will get my money back. Well, when I go the branch in XXXX, they call whoever then they told me the case still under investigate and no one can give me an update or when do I get my money back. The reference number for the case with capital one is XXXX. Their phone number is XXXX. I file the police report in XXXX but no one get back with me also. I am very XXXX XXXX XXXX XXXX. I need the money to pay for property tax. I hit a XXXX XXXX XXXX XXXX XXXX XXXX XXXXs. Please help. XXXX XXXX XXXX
Product: Bank account or service

wells fargo bank is blocking me access to my account/money & has since XXXX. 
XXXX store manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX she blocked all access to my own money after i reported her for not knowing how to activate an instant debit card. she retaliated against me for reporting her, and told me to call loss prevention & therefore, they told me they she told them to block my from getting my money out of the bank. me & my children have been starving and without for 2 days now because of this banks actions. i want access to my funds immediately! Also, yesterday they printed my balance & i have a paper receipt of : {$4400.00} Open XXXX ( R ) Savings Total {$4400.00} Activity Summary Current Posted Balance & today my account went down somehow by balance of : {$4300.00} ANONYMOUSLY, AND WHEN I DIALED THE XXXX THE OPERATORS WERE ASKING FOR MY ONLINE BANKING USERNAME & PASSWORD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit card

We lived XXXX  & had City National Bank in XXXX credit card. Moved to XXXX in XXXX, kept the XXXX credit card. Used the CNB cr card until CNB sold some of their banks to XXXX XXXX XXXX around XXXX XXXX XXXX Just after the CNB cr card balance was transfered to XXXX XXXX XXXX  XXXX sent a vendor refund to us back to the closed CNB credit card used on the original XXXX payment. Since then we've received CNB cr card statements with a credit balance of {$41.00}. In XXXX I called the old CNB XXXX XXXX  XXXX Bank & asked that CNB pass the XXXX refund on to the new credit card at XXXX XXXX XXXX or a check refund direct to us in XXXX  They said they could not. We received a CNB {$41.00} ck dated XX/XX/XXXX with a letter, CNB refunding the credit balance on the closed cr card. XXXX deposited at our local bank but CNB claimed " non conforming image '' and wouldn't clear the check for our bank. Our bank charged us {$10.00} & reversed our {$41.00} deposit. I called CNB customer service number on the cr card statements and they said that was their error & we should redeposit their check. We did, and again CNB would not clear the check & our bank reversed the deposit & charged us another fee. CNB tried to print better refund cks, but they are not good enough to clear. CNB won't issue a DB card for the refund or electronic transfer direct to our bank. " Refund '' check expires XXXX CNB is in XXXX XXXX XXXX XXXX too far for us to drive from XXXX  to cash in person. Help
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2022, I received a text saying that my request for a credit card had been approved from Bank Of America. I did not apply for a card so I called and was told that a card was applied for and that I would receive card within 14 days. I called and got that card cancelled. There was a XXXX dollar balance but whomever applied has all my info.
Product: Credit reporting or other personal consumer reports

I previously disputed an account on my credit report and the item came back as verified. 

I disagreed with this outcome as I remember paying this account and the creditor is reporting incorrectly. 

I requested a method of verification proving an independent investigation was completed in accordance with FCRA. 

The item came back as updated, but how can that be when everything is exactly the same. They also did not provide me with how they verified this account to be accurate. 

This is a clear violation of the FCRA and I demand this item be deleted from my credit report.l immediately. 

Account # XXXX - XXXX XXXX XXXX I have attached a before and after picture of the so called update that shows everything exactly the same.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, XXXX, and XXXX ) and several creditor companies. 



Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. 



These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored. 



Request for Resolution I request the following actions be taken to address these violations : 1. Immediate deletion of all unvalidated debts from my credit reports.

2. Comprehensive investigation into the compliance practices of the credit bureaus and creditors involved.

3. Assurance that no disputed items will be reinserted into my credit file without proper notification and validation.

4. Compensation for damages caused to my credit health and financial well-being.

Supporting Legal Framework FCRA 611 ( a ) : The right to a reasonable investigation of disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition of reporting inaccurate information.

FDCPA 809 ( b ) : Requirement for debt collectors to validate debts upon dispute.

FDCPA 806 : Prohibition of harassment and unfair practices.

I expect timely action on this matter and look forward to a resolution. Please let me know if additional documentation or evidence is needed.