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

I received a packet in the mail from Equifax stating inquiries have been deleted and they have not, I have attached what was sent from them and you can see where it shows they were deleted but when I log in and check my credit profile with Equifax they are not deleted
Product: Checking or savings account

Hello, My name is XXXX XXXX. I am contacting about my debit card dispute with USAA that initiated in XXXX and still does not seem to be complete. I am getting all my provisional credits taken back, even though I have proof that my card was stolen. I called about a month after I got my replacement card, issued after I filed the dispute in XXXX, was not working and money was being debited from my account again by USAA. I then called USAA and was informed that they are exercising their right to no longer do business with me and will be returning any remaining money to me within 60 days. It has been well past the 60 days and my documents have not been reviewed, I have not gotten any money back, and just been provided terrible customer service. There is video footage from establishments I claimed on my dispute, showing the purchases were not done by me. No investigation was taken seriously and I have been repeatedly kicked when down, even though I am the victim of theft. Also, addresses on orders that I have never lived at were used from my card. The text I provided is from XXXX XXXX, my ex friend who stole my card. She also stole my XXXX debit card and I can almost guarantee the addresses and names used for the order match up to her or members of her household at XXXX  XXXX XXXX XXXX, XXXX, CA. My dispute case with XXXX was resolved in my favour. I was stolen from not only financially, but physically. This situation is getting worse and worse for me not being able to access any money I own or paying back credit cards.
Product: Credit reporting or other personal consumer reports

The information relate to this account does not relate to any transaction ( s ) that I have made.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate information reported by XXXX XXXX  XXXX on my credit report, as reflected in the data from TransUnion and XXXX. These inaccuracies violate Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to provide accurate and consistent data to credit reporting agencies. Additionally, the reported information appears to disregard Metro 2 industry standards, which are designed to ensure uniformity and reliability in credit data across all bureaus.

For an accurate representation of this account, I request that the CFPB facilitate a verification and update process based on the following Metro 2 Base Segment fields : 1. XXXX XXXX XXXX XXXX XXXX  - I request that XXXX XXXX verify and ensure the accuracy of this field according to Metro 2 standards. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - I ask that XXXX XXXX verify the accuracy of this field and ensure it is consistent with Metro 2 coding. 
XXXX. XXXX XXXX / XXXX XXXX - : I request verification of this field to ensure it is reported accurately across all credit bureaus in accordance with Metro 2 guidelines. 
XXXX. XXXX XXXX / XXXX XXXX & XXXX XXXX- Please verify the accuracy of these fields to ensure they align with Metro 2 standards. 
XXXX. XXXX XXXX / XXXX XXXX - I ask that this field be verified for accuracy according to Metro 2 standards.
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist. 


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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to XXXX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXXXXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$410.00}. The FCRA mandates that the credit bureau, in this case, XXXX must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate.

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA.

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution.

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Product: Debt collection

This company keeps putting on my credit report I own this amount I dispute this and ask for proof or anything to show me that its mine. I never get a response and it keeps showing up Also the start date opened this fake account keeps up dating to the current date.
Product: Money transfer, virtual currency, or money service

I made a Gemini account in the beginning of XXXX. I initially put {$700.00} in. I made a profit of {$150.00} and decided to put it into crypto again. Around XX/XX/XXXX I bought more crypto ( {$700.00} worth ). My account was valued at {$1500.00} on a non market basis. First or second week of XXXX my account got frozen and deactivated with my money inside of it. I heard nothing from the support team for weeks. Last week they emailed me saying they determined it was an issue in my end and will reimburse themselves from my portfolio as necessary. What happened was, when I deposited more money ( the {$700.00} ) in my account, I selected the wrong savings account ( one with insufficient funds ). My bank stopped the transaction for that reason but Gemini did not. When the funds were no good, Gemini took my money and deactivated the account. I still have my original {$850.00} in the account that is completely mine. I have emailed the support team countless times to no response. Like I said it has nearly been a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
XXXX, XXXX and XXXX have also violated my right to privacy according to 15USC 1681 ( a ) 4.

According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX I was never given the opportunity nor told that I had this option, again a violation of my rights.

1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$94.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX
Product: Debt collection

The rebuttal provided by the company fails to adequately address the central issue at hand, namely the imposition of liability upon myself for business-related debts attributable solely to the proprietorship of XXXX XXXX XXXX This assertion finds its basis in the evidentiary documentation submitted by XXXX XXXX and his legal counsel to the Virginia court, which unequivocally delineates the ownership and responsibility for said debts. It is imperative that due consideration be given to the legal clarity established therein, and that any subsequent correspondence or actions by the company reflect a commensurate acknowledgment and adherence to the legal delineation of responsibilities as stipulated by the aforementioned court documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX I spoke to XXXX from the XXXX card XXXX office. She confirmed receipt of my complaint from the consumer financial protection Bureau. I explained that in XX/XX/XXXX, I made a payment through the XXXX  app and upon going into the bank the following month I was informed my payment was 30 days late. I explained to my banker at that time that I made the payment. We immediately called XXXX and they explained that they were experiencing issues with the app. I requested the late payment be removed. XXXX refused. Thereafter, I have repeatedly contacted XXXX to remove the reported late payment, unfortunately, to no avail. 
On XXXX XXXX, XXXX explained that XXXX does not have a late payment in their system for my account and advised me to resend the complaint with pictures. I am doing that now in order to fix the inaccurate credit reporting by XXXX in accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In 2014 I sent numerous emails to my advisor at XXXX XXXX XXXX University. I was a new student attending classes online. It was an attempt to complete my degree after a XXXX XXXX XXXX. Within a week I knew I had bitten off more than I could chew. I emailed stating that I wanted to drop my classes because I wasnt able to keep up and was having bad headaches. I received a response that I could take my time with assignments and drop one of the classes. My response was that I wanted to drop all classes and continue at a later date. My body was telling me that I wasnt ready, and the stress of the quality of the work I put forward was unnecessary to deal with. I sent many emails and left a message asking for my classes to be dropped. If I were able to drop them on my own I would have. I didnt hear anything back until after the cutoff deadline. I was I informed that if I withdrew Id be responsible for paying the tuition because it was after the drop deadline. I emailed stating that wasnt fair as I had attempted to withdraw before the deadline, and I was unemployed so had no way to pay the tuition. Thus why I was receiving Financial Aid. I wasnt withdrawn from classes and I didnt attend either. Account was sent to collections for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the Equifax data breach and this may be the result of the inaccurate items on my reports.
Product: Credit reporting or other personal consumer reports

Several date on credit report have inquires that I didnt not approve
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX  XXXX, MD XXXX DOBXXXX SSN:XXXX  I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped hundreds of points over a few months even though I never got any loans or did not pay for something. I have made any payment on one credit card I have with only {$150.00} limit. Old ( from up to 7 years ago ) are now showing up on the report that have already been paid, settled or do not belong to me. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all invalid information that is hindering my credit report with transunion.
Product: Credit card or prepaid card

KeyBank blocked my card and sent me a new one. I didn't receive that and I can't login in my account. Latter I finally logged in and I sow unusual transaction in my account. I called to customer service and blocked my card. I told them it was not me. I sent them email and they till now didn't receive. I called them again and made a dispute for those transaction. Yesterday I received a latter, where they answered, - We are unable to credit your account.
Product: Credit reporting or other personal consumer reports

I just checked my XXXX Credit Report and found an inaccurate account showing on it, that must be deleted according to the FCRA. The following account inaccurately shows 20 late payments. If this car had this many late payments it would have been Repossessed, but was not. 15 U.S.C. 1681a ( 2 ) ( i ) : Exclusions, states that Late Payments/ Transactions are not to be reported on credit reports. XXXX has also violated the FCRA and my rights by not following Compliance Procedures and by not ensuring Maximum Possible Accuracy in credit reporting ( 15 U. S. Code 1681e ( b ) and 15 U. S. Code 1681i ). Inaccurate Account : XXXX XXXX XXXX, Account # XXXX. XXXX has the responsibility as a furnisher of my information/ credit report to ensure accuracy in reporting ( 15 U.S.C . 1681s2 ). Also, according to the FCRA 15 U.S.C. 1666 ( b ) : Billing Error : Creditors can not treat a payment as late for any purpose. I demand that XXXX delete this inaccurate account because of all of these violations of my consumer rights, and the FCRA laws. Please mail me a corrected copy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX forwarded my information from the court records given to XXXX to Lexis Nexis with out my concent or involvement in which my consent should have been required this is my personal information ... also with lexis Nexis handing my information over to the credit bureaus XXXX, XXXX, XXXX XXXX again without my concent .file : XXXX XXXX XXXX XXXX
Product: Credit card

Date : XX/XX/year> XXXX XXXX : {$230.00} at XXXX XXXX in XXXX CA. 

Regarding security concerns with Chase credit cards. 

Recently, I experienced a concerning situation with my Chase Sapphire Credit Card. Even though, I had the physical card on XX/XX/year>, on the same day within an hour, my card was used physically at two locations 150 miles apart, as per Chase I have made both the transaction. 

But I have only made one transaction and another transaction is a fraud transaction. 
As per Chase, as I did not report all the transaction on that day as fraud, they will not accept my fraudulent request, and they claim the card was used physically at both the locations by me, which is practically impossible. 

And their tone has been like I am lying about the situation, and I have made the transaction. But in reality, I have never been to XXXX XXXX or XXXX CA, in my entire life. If required, it can be verified by my location history. 

However, Chase declined to reverse the charges. Every time I call them, they delay it saying, they will investigate it again in 15 days. Also, they do not agree on sending all the information via email. 

I asked if I could communicate with the concerning decision-making person to understand the technical aspect in decision making, but they denied by request. 

I feel this is a serious security concern with using the Chase Credit Cards.

Additional questions I have are : - Should the Chase investigate how the same card can be physically present at different locations simultaneously?

- How can the customers provide proof that they didn't make certain transactions?

- Instead of being honest, should customers consider reporting all transactions on the same day as fraud to avoid situations like this? 
- What if this transaction was a huge amount?