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

Experian credit reporting bureau can not be reached. I tried calling and even though I called during office hours a recording keeps stating to call during their office hours. Also I can not file a dispute against false reporting. They are claiming I was 90 days late on my old fully paid off XXXX XXXX account. Account number is XXXX. 
This account was not included in any bankruptcy and was never 90 days late. The account was paid off in full.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Chime sent me a debit card in the mail. I called ( XXXX ) to dispute opening an account. This phone number was on the card and when I Googled the company online The said they confirmed my account by my phone number. The representative confirmed an open account after I provided my name. He asked for the last 4 of my SSN which I provided. I then asked for them to provide me the email address that was on the account he refused, I then asked to closed the account, he refused. 
They sent an actual card with a full account number, expiration date, and 3 digit code. They also included a direct deposit slip that could have been manipulated by someone. 
Chime cooperation is supporting or conducting identity thief. 
The following information was documented on the direct deposit slip. 
Chime is a part of XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, Ok XXXX
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XX/XX/2024 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint regarding my credit file, which appears to have been compromised due to a lack of action on previous removal requests, despite the support of FTC reports XXXX XXXX, # XXXX, and the most recent, # XXXX. As a victim of fraud, I am once again insisting on the removal of entries stemming from such fraudulent activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to eliminate any disputed items within four business days following XX/XX/XXXX. This issue was highlighted in my prior communications and is underscored once more due to a new FTC report. The entries listed below are unrecognized by me and have been removed by other bureaus, which casts further doubt on their accuracy. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX. This notice serves as a final warning. Failure to comply with the mandated removals as stipulated by FCRA 605B will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.
Product: Checking or savings account

I have been banking with US Bank for about 10 years. When I transferred my checking account here to XXXX XXXX, I have had several illegal transactions happen. I made cash deposits in early XXXX and the cash was held over the weekend!!! They have been inconsistent with my overdraft protection!!! Just before I closed the account, there are several overdraft charges included in the final checking account statement. Overdraft protection should not be cancelled when a banker feels like it!!!! Very Unhappy with the bank. The branch here in XXXX has been closed!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, I attempted to put a freeze on my credit. XXXX 's site reported that my data was impacted, and suggested I freeze my credit on another website. 

TransUnion hid their fraud alert website, and directed me to their paid services. Their site was unusable. 

I was eventually able to file a fraud alert using the XXXX site, but only after filling out all my personal information, SS #, and email address. So, yet another " web form '' that could be hacked or intercepted, and contains significant information for people to steal. 

The entire Social Security " system '' is a relic of 1940 's technology. When will the government upgrade this system to include multi-factor authentication and including biometrics as well? Like the XXXX XXXX in  XXXX, for example.
Product: Credit reporting, credit repair services, or other personal consumer reports

the investigation I have with cfpb XXXX details the issues more in-depth. 
Experian has already given me an updated email and link to view the issue resolution and they must have done this upon opening of the cfpb investigation and not upon any further request from me ( seems suspicious almost as if they want to look like they are actually doing their jobs properly and to cover up something I wonder what has been edited and or deleted from their internal logs and what phone recording from my calls and or logins can back up any data editing within their system ), though this is now the XXXX time that Experian was able to open and close an investigation within an extremely short window of time. this time is longer than XXXX hrs. but still less than a few days. 
they again have validated and simply updated the files for XXXX XXXX XXXX never actually investigating the validity of the debt collectors documentation and or violations of my rights within each of the XXXX reports made. 
in direct violation of my HIPAA rights, XXXX XXXX XXXX has continued to post, update, and repost debts about medical history on my credit reports. 
they have been doing this on both Experian and XXXX. 
again reiterating that this debt collector hasn't validated debt from the original bill, is double-dipping or double recovery attempts drastically affecting my score, and they are in direct violation of MY HIPAA ( Health Insurance Portability and Accountability Act ) Florida state attorney 's office and the DOJ Principal Deputy Director from the Consumer Protection Branch as well as XXXX, CFPB, FTC. and I reported Experian for allowing XXXX XXXX XXXX to continue violating the FCRA & utilizing unethical & unfair practices XXXX credits accounts are time-barred, Duplicate accounts, Data management errors, being posted under double recovery methods which are illegal, XXXX XXXX XXXX reports are not validated, they are violating my HIPAA rights XXXX violating FCRA
Product: Credit reporting or other personal consumer reports

I have been a current and paying customer of XXXX, and at no point has my account been delinquent or in collections. However, XXXX has falsely reported a late payment and/or collection to the credit bureaus, which is negatively impacting my credit score. I have addressed this multiple times with their XXXX team which is their security department. I have a complaint/service escalation ticket with them ( ticket number XXXX ) I have contacted XXXX directly multiple times to dispute this incorrect information and have not received proper resolution. Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy of the data they report. Since XXXX has failed to correct this false reporting, I am requesting that the CFPB investigate this matter and enforce compliance. 

I request the following actions : An immediate investigation into XXXX false reporting practices. 

The removal of this inaccurate late payment collection from my credit report. 

Confirmation from XXXX and the credit bureaus that my account is accurately reflected as current and paid. 

Attached are copies of my most recent XXXX billing statements proving my account is in good standing, as well as prior correspondence regarding my dispute. 

Please inform me of any updates regarding this complaint. Thank you for your time and assistance in ensuring that my consumer rights are upheld.
Product: Debt collection

To Whom This May Concern, I have written multiple letters for verification of this debt requesting a copy of ; Agreement from the client that authorizes National Credit Management to collect on this alleged debt, An agreement reflecting my signature that confirms my acceptance of obligation, & A full and clear explanation of how you calculated the debt. 

I have also reached out to the Credit Beaus for assistance and I have yet to receive the requested forms of verification regarding this debt. Upon personally investigating this company. National Credit Management at location XXXX XXXX XXXX XXXX. XXXX XXXX, Mo XXXX is NOT registered with the Secretary of State of Collect in the State of Texas. This is a requirement to collect ANY debt in the state of Texas. Company can not provide requested documents for verification. please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are XXXX, EXPERIAN and XXXX continuing to reporting them.Please Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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

My ex boyfriend stole my XXXX card and went and spend almost 200 dollars off of it and I started getting bills and I never once used the card. He stole XXXX when we broke up and spent alot on it and I cant pay them back as I'm a single mom and barely make anything. Please help me it has made my credit go from never having credit to horrible and poor credit and I cant do anything
Product: Credit card

Chase has been charging me a {$40.00} late fee on my card, Even though I pay my card on time and within the XXXX billing period. They also changed their billing display which has made it very difficult to even see that I have been getting this fee. They returned XXXX months of fees, but I only discovered this fee after turbo tax brought it to my attention. Even after seeing this I still can ; t even locate where they put this charge. I have pictures of my payments to show that I usually pay my card a few times a month, therefore I should have no late charges on my card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting XXXX Account Number : XXXX Update to Open/Never late 8. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 




12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.. 


13. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are college loans that been taking out on my credit score and I want it clear up
Product: Debt collection

CAB Collection Agency claims to have medical accounts in their files in my name. They also claim that they have sent me a total of XXXX statements to my current address and that the correspondence was received by me due to the fact that it was not returned to them labeled undeliverable. If CAB Collection Agency has previously sent me correspondence, I request that they re-send it to the same address that they sent the XXXX statements to. 
Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me, but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. 
I request that CAB Collection Agency, Inc : * Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me. 
I request that CAB Collection Agency forwards this information to the address that they previously sent correspondence to that was addressed to me as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after this written request. I request full documentation of what CAB Collection Agency received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await their reply with above requested proof.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I received a XXXX from Cash App on XX/XX/year> showing {$10000.00} with XXXX transactions and Merchant category code XXXX which is automotive repair and services, which neither my husband or I perform. The name, address, and last XXXX of the social security are mine, however, I have never downloaded or used Cash App. I called XXXX times on XX/XX/year> and they wouldn't help at all other than tell me to file a report with identitytheft.gov, which I did. On XX/XX/year> I called my tax accountant and was advised to call Cash App and request a corrected XXXX showing {$0.00} as I never downloaded the app and to file a complaint with CFPB. I called Cash App and once again was told there was nothing they could do but gave me a complaint number which is XXXX. I decided to download the app with my personal information to see what it would show, it states " Your account is closed, so you won't be able to continue. We had to close your account because it was linked to a Terms of Service violation. You can't access most features of the app, but you'll still be ale to withdraw your money. If you think this is an error, you may be able to appeal this decision. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are inaccurate. Please help me remove them. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the owner of 3 small assisted living facilities in XXXX XXXX, Texas and I am forced to purchase appliances with alarming frequency. All my purchases were bought from XXXX/Synchrony Bank. On XX/XX/XXXX I bought an electric dryer for {$1800.00} from XXXX/Synchrony bank. I was given 36 months no interest on account invoice # XXXX. I never requested nor was I ever given a Credit Card but this account number had been used for all previous purchases. I made monthly payments of {$150.00} from XX/XX/XXXX via my security service acct. Paid acct in full on XX/XX/XXXX. In XX/XX/XXXX I  received credit card by mail # XXXX, noticed monthly payments of {$150.00} being put on this new card along with late fees, interest charges etc. Card was never activated. Called XXXX and in spite of my protest they insisted that I called in a lost card, so they sent replacement. They refused to merge the 2 cards into one and continued to report to Credit bureaus that I am now 180 days late on payments. I sought services of XXXX/XXXX  of XXXX XXXX ( see letter of XX/XX/XXXX ) to Synchrony Bank, but got no favorable response. Received statement from Synchrony dated XX/XX/XXXX with new escalating balance owing in the amount of {$890.00} and a new account # XXXX assigned to my account. No new Card was received. Clearly, this company is practicing Credit Card Fraud and has singlehandedly ruined my superb credit. Apparently this devious company has no intention to correct this complex situation. I am unable to obtain credit to build a new assisted living facility. I am a XXXX XXXX  who provide XXXX XXXX XXXX to the XXXX and infirmed through State Funded Programs. Bought a 2.3 acre property to build an up to date spacious facility for my elderly residents. We are now crammed in 3 small homes and the residents pray each day that Synchrony Bank can resolve this issue so that they can live out their last few years in comfort.