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

I use chime for my banking needs and for a few months they worked well. When I started getting my direct deposit put into my chime account I noticed fraudulent transactions popping up. I usually get over XXXX in direct deposits monthly from my employment so I even missed a fraudulent charge at XXXX point. These are the details below I was charged XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX as well. I called in to dispute these transactions, but chime does not follow the proper procedure as they themselves say they are not a bank so they never take the dispute up with visa either. They do internal investigation that wraps up quickly and always rules against the customer. I have been reading reviews and it seems many people have had problems with chime. I wish I would of known this sooner, but I closed my account with them as I do not want to do business with phony companies that will allow my account to get drained and don't even follow proper procedures. I assume these charges were all made using my debit card numbers. I need a resolution as it is a little over XXXX that was taken from me and I have XXXX children that I need to feed. I can not allow money to be taken from me.
Product: Debt collection

AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX has purchased a debt that I do not own and re-aged it placing false dates on it to make it reportable and collectable if you look at thier BBB history and complaint history as well as ripoff report they are  famous for false reporting have been sued and are known for this. please have them prove to you that this is an accurate collectable debt.
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 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

After coming across the recent lawsuit with the cfpb and equifax I fear that my credit profile has been extremely compromised after receiving a letter from equifax, stating that the items on my dispute were verified. However, I was not giving any details or documentation proving such claims. This is wildly unacceptable. Also, considering that do to the fcra, all items must report accurately or belong the profile, or be deleted. No such has been done on my profile, and I am now taking further action. You guys will be fined if this matter is not resolved. 


I would like full documentation on proof of these items belonging to me. If you guys arent able to provide me with further details on how your investigation was concluded as verified, I will be taking the next necessary steps to seek full action towards the companies and the cfpb.
Product: Credit reporting or other personal consumer reports

Over the past 5 years I have attempted to have this company remove false information from my credit report with little to no success. Each time they tell me they have verified the information on my account as accurate I ask for proof of this verification which they deny to provide which is illegal. I have good history of reporting false information on my report directly to this company as well as through the CFPB.
Product: Credit reporting or other personal consumer reports

I submitted a complaint for violations found on my credit report, via CFPB XXXX # XXXX. This complaint was submitted and received on XX/XX/XXXX. Per the CFPB, " Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days ''. Experian has yet to complete the investigation for the reported violations. As of XX/XX/XXXX, 59 days have passed and the issue has not been resolved. Pursuant to 1681i. Procedure in case of disputed accuracy, Experian must delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In 2021 navy federal credit union closed my account for XXXX  over draft without having anyway to pay back and sent me into collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to furnish information on my report that is not accurate and complete. I've written several letters to them to no avail.
Product: Checking or savings account

Last week we logged into an account we do not use much, it is solely for paying the mortgage, maintenance and taxes on a building. That is when we found fraudulent activity, where someone was able to clearly get in via online banking, link other accounts such as XXXX, XXXX, etc to pay off bills ( likely from a stolen identity ). We notified M & T immediately, went to the branch, got them involved, and signed all documents. They started to state it could be internal hacking on our side. We are a software company -- and know we are fully protected, but for proof, we ran full scans of our network, of the only computer that could access the account, and came up 100 % clean. Our network is locked down and secure. Furthermore, the bank could easily check IP Addresses that logged into the account, and beyond that, see there are multiple credit card payments made from our account rope in those companies and see who holds those cards. All they keep saying is " its under investigation ''. They sent a letter today refusing the credits, but their VP said " its still being investigated ''. In a matter of 2 weeks, there was over {$11000.00} stolen from my account. XX/XX/XXXX {$1300.00} paid to XXXX. XX/XX/XXXX {$9500.00} paid to XXXX. And XX/XX/XXXX {$980.00} paid to XXXX again. I am beyond disgusted that they are refusing to refund the money, and keep telling me its under investigation, and could be for up to 90 days.
Product: Credit card or prepaid card

Identity theft, the account that was open, was not opened by me and I did not give anyone permission. 
American Express - XX/XX/, Amount - XXXX And I contacted the company and let them know this was not authorized by me and that I gave no consent to open this account. I need this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account number XX/XX/XXXXXXXXXXXXXX Original creditor XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX ) 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have contacted DIGNIFI several times regarding an account which was already resolved with the credit bureaus and remove off my credit account. However, this account continues to reappear on XXXX, and my XXXX credit report. Ive made several attempts with DIGNIFI company regarding this matter, and the company refuses to accept the terms from the credit bureau for this account to be removed entirely I provided police reports and several other documents related to my identity theft issue. Ive never owned a vehicle of any sort to have any account with this specific merchant I requested they accept the terms that was giving from the credit bureau in removing these accounts and to stop them from appearing on my accounts, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Under FCRA and 15 USC Dear Experian, This letter serves as an official and legally binding demand for the immediate deletion of inaccurate, unverifiable, and/or incomplete information reported on my credit file. Your agencys failure to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I demand immediate compliance, as the presence of the disputed items is causing significant harm to my credit profile and financial standing.

Items in Dispute : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX Legal Basis for My Dispute 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of the above-mentioned inaccurate items demonstrates a clear violation of this statutory requirement.

2. 15 U.S.C. 1681i : Upon receiving a dispute, agencies must conduct a reasonable and timely reinvestigation to verify the accuracy of the information. If the data can not be verified, it must be deleted within 30 days.

3. 15 U.S.C. 1681c : Prohibits the inclusion of outdated information, such as accounts beyond the permissible reporting period. If these items fall into this category, they must be deleted immediately.

4. 15 U.S.C. 1681s-2 ( b ) : Obligates data furnishers to promptly correct or delete inaccurate, incomplete, or unverifiable information once notified of a dispute.

5. 15 U.S.C. 1692e ( FDCPA ) : Prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Any inaccurate reporting tied to debt collection activities is a direct violation of this law.

My Demands 1. Immediate Removal : Delete the inaccurate, incomplete, or unverifiable items listed above from my credit report.

2. Verification Details : Provide the name, address, and contact information of the entities that verified the disputed items, along with any documentation used during verification.

3. Updated Report : Provide me with a corrected and updated copy of my credit report.

4. Cease and Desist : Stop reporting the disputed items to third parties during the reinvestigation process, as required by law.

Notice of Legal Action Failure to address this matter within the 30-day timeframe prescribed by law will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Pursuing legal remedies for damages incurred due to your agencys noncompliance, including but not limited to violations of the FCRA, FDCPA, and U.S. Code Title 15.

I expect full compliance with these demands and a written confirmation of the resolution of this matter. You are hereby on notice that I will aggressively protect my rights under the law.

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

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$5200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00}.
Product: Debt collection

I obtained insurance on XX/XX/2018 {$280.00} because I needed to purchase a vehicle. made an additional payment on XX/XX/2018 for XXXX. I called to cancel the policy shortly after and on XX/XX/20118 was refunded {$150.00} and then {$4.00} My account was credited because XXXX was asked to cancel my account. There was no amount owed. I called back on XXXX and stated this via telephone. Now they are saying an amount is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.
Product: Credit card

This is XXXX XXXX. I have account with Bank of America since 2021. On XXXX XXXX, Someone used my credit card at multiple locations. When I received alert from Bank of America, I denied charges and they blocked my card on my request Fraud case filed for fraud charges. After few days I received letter that case is closed and Bank of America decided that I used card personally at these stores. When I called Bank of America regarding claim, lady over there told me that I need to collect video proof from XXXX, XXXX XXXX for this claim to reverse these charges .I told her that how XXXX XXXX XXXX XXXX can give me video proof and she said that is your responsibility to get your money back. I went to XXXX XXXX, XXXX really XXXX and XXXX and they denied to give me any proof. They said they cant give any proof without police report. but during chatting with XXXX XXXX they told that card used by person name XXXX XXXX. I told Bank of America that I dont know this person. I also sent that conversation proof to Bank of America and also sent that I was at work at that time when card was used. I send my payroll hours to them as proof .No one listening to me. I am keep calling Bank of America everyday, no solution. So frustrating. Please help me to resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a house loan but was denied because of XXXX XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$950.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$320.00XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XX/XX/year>
Product: Checking or savings account

I have had a Chase checking account for over 10 years and recently they have been charging me $ 12/monthly service fee despite the fact that my account is not overdrawn and has hundreds of dollars in it. I was never charged this for years despite my income fluctuating greatly over the years. This is worse than an overdraft fee because I am being charged it regularly and I dont understand why. They expect people to always have over {$1500.00} in their checking accounts and its really challenging to do that with inflation and the high cost of living today. This fee is predatory and discriminates against low income individuals and households. Because of these reoccurring junk fees I am being forced by Chase Bank to close my checking account. I will have to keep my money at home and will no longer be able to use a checking account. I spoke with two employees at the Chase Bank and neither were helpful and I left in tears. I was offered no solution and was only refunded one of the fees and was told I would be charged more. They made me feel XXXX XXXX XXXX XXXX and I was told repeatedly this was the Banks policy. I closed my savings account and will be closing my checking account later this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my consumer credit report has been reported improper. These consumer agencies XXXX, Equifax and XXXX are been report my wrongly and there are unnecessary and unfamiliar hard and soft inquiries in my credit record, most especially XXXX. These unrecognized inquiries has hurt my credit scores and records badly, for instance the hard inquiries like follow XXXX XXXX a mortgage company, address XXXX XXXX XXXX # XXXX, XXXX. Date of inquiries, XX/XX/XXXX XXXX XXXX XXXX, Mortgage Reporters, address XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries, XXXX XXXX, XXXX, XXXX XXXX XXXX, Property And Property Management Companies, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries XX/XX/XXXX, and XXXX XXXX, ( {$110.00} ) a collection department on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Date XX/XX/XXXX. This debt has been paid. 
In addition, The activities on my credit are not been updated frequently, for instance transactions of 2-3 weeks ago not been updated yet.
Product: Credit card

XXXX XXXX XXXX Acct ending in XXXX In XXXX when attempting to make an on time payment on XX/XX/2023 I learned that my payment would be late because it was after XXXX. When I spoke to the representative she advised that there is a cut off time which I never was aware of in the 2 years having the card. She also advise that no adjustment could be made on a closed account. I was not aware that my account was closed and why would it be given that the account is in good standing and has never been late. The account online still shows my available credit to use. 
The company is forcing consumers to generate a late fee even though I am paying in the due date. In addition, when I tried to make a payment at XXXX on my due date I also generate a late fee and after speaking with escalation XXXX , with his rude behavior advise me that my account was eligible for any adjustments because my account was closed. I explained to him that I was told by a rep in XXXX that she was escalating my account and things would be fixed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX