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

On XX/XX/2021 my card was stolen. I dropped it out of my pocket and someone picked it up without my knowledge until later on the next day. On XX/XX/2021 my card was used fraudulently at XXXX XXXX XXXX for a purchase of {$500.00}. I immediately turned off transactions when I realized my card had been stolen. I contacted Chime that day and informed them of what had occurred. They informed me that there was nothing that could be done until the transaction finished pending. I attempted to contact XXXX XXXX XXXX directly but they stated there was nothing they could do. As soon as Wednesday of that same week, the transaction had finished pending and I was able to file a dispute for transaction. I submitted all requested paperwork and information to file the dispute. I was told to wait 10 business days and that's when a decision would be reached about a provisional credit. On XX/XX/2021 I was sent an email stating that there was nothing that could be done and their investigation found no error had been made. After this experience, I will no longer be using Chime as my bank period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX, Transunion and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX  and Transunion and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX 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
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. 
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, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

Sequium Asset Solutions , LLC emailed a debt collections notice for {$150.00} from XXXX XXXX XXXX XX/XX/2022. The debt originated from unauthorized access directly related to a XXXX data breach that compromised my personal information. At about XXXXXXXX XXXX XXXX XXXX, I telephoned the company and told one of the debt collectors named XXXX XXXX that the original creditor, XXXX XXXX did not send any correspondence that validated the veracity of the debt. XXXX XXXX did not listen and tried sidestepping the issue by verifying my address in backdoor attempt to force me claim the debt. I told XXXX XXXX that per Fair Debt Collections Act, the original creditor has to provide written information. Also, I told him that I currently participate in the class action lawsuit against XXXX and included the debt in question as part of unauthorized XXXXXXXX  charges directly attributed to the XXXXXXXX  data breach. 
Shortly thereafter, I disconnected the call with the debt collector because he was in no position to resolve the account dispute because his sole purpose included forcing to pay a debt for which I did not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable
Product: Checking or savings account

On XX/XX/XXXX, while I was at work, I was alerted via text and push notification on my phone that my account was overdrawn, after investigating there were 2 charges on my debit card that were not made by me at XXXX and XXXX XXXX XXXX for {$430.00} and {$32.00}. I immediately called my bank, closed my old debit card and had them issue a new card, then opened a fraud investigation with XXXX XXXX. They then provided me a temporary credit in the amount that was charged and they said they would investigate. 

I then received a notice about 2 weeks later stating that there was NO FRAUDULENT CHARGES made and that the provisional credit will be removed on the XXXX. 

I need to re-iterate that i have never made any purchased on XXXX and these charges need to be re-investigated.
Product: Mortgage

I applied on line to Mid America Mortgage for a FHA loan on-line. Their representative, XXXX XXXX took my application and issued a letter of qualification and sent me a request for some additional documents. I was not returning the documents fast enough for XXXX and he began to call me daily and become difficult to deal with. Finally, I told him to leave me alone and that I would get the loan elsewhere. XXXX XXXX then called my real estate agent and complained that I was not living up to the purchase contract for the property. Unbeknownst to XXXX, my real estate agent is my wife. XXXX was obviously using private information that I had given him during the application process to damage my purchasing the house because I would n't use him or Mid America mortgage. When I called him, he said that he had every right to do it and that I was the one in the wrong. He has violated the basic rule that my information is private between us and not for any use other than what I intended it for when I gave it to him.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations committed.
Product: Credit reporting or other personal consumer reports

Duvera reported an account as past due each month, even though it was in collection
Product: Credit card

Filed 2 claims with BOFA, CHARGES 1 FOR XXXX 1 FOR XXXX, that I used to pay a contractor, ( 2 separate CC 's ) Work was totally unacceptable. I PROVIDED THEM PICTURES AND ORIGINAL ESTIMATE STATING TYPE OF WORK. 

Their response was they needed proof of what work was done ... ..they had the document showing this and rejected the claim. 

This is not backing up your policy of crediting back your funds until resolved. 

Attached doc shows payments to company involved. Charges occurred on XX/XX/24 and XX/XX/24. 

I will also try to upload pictures
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that my XXXX score was impacted due to Southwest credit systems LP reporting inaccurate information on behalf of XXXX, i currently have only one account with XXXX service and do not recall owing XXXX, i will like full validation including billing statements and signed contract. Southwest credit systems has been reporting that i owe {$58.00} dollars.
Product: Checking or savings account

Try to use my card and got declined and call the bank and they said my account was on hold and scheduled to be closed on XX/XX/2004 when I asked why they said it was a business decision and its final and that was it
Product: Student loan

My private student loans are serviced through nelnet. I have two separate loans. I have tried to make extra principal payments to one loan, yet the company has a history of misapplying the payments. This has resulted in significant time trying to correct the issue, and I now am having to fight to have interest charges corrected. I am rather exasperated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

- 15 U.S.C 1681 section 602 A. States I have a 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

This creditor has used false, misleading and deceptive means to report the credit card account to my personal consumer profile, and to Credit Reporting Agencies. The account information reportig has multiple inaccuracies, and violations of multiple laws, acts, and regulations. 
XXXX XXXX  has reported the last payment to the account on XX/XX/XXXX, and the date it was closed XX/XX/XXXX. The current payment status is " Derogatory ''. Although the account is a " charge off ''. The creditor continues to report " late payments '' as recent as XX/XX/XXXX. The reporting of any transaction history, without written consent from the consumer, is in violation of the Privacy Act of XXXX. Although the creditor has charged off the account, which is reflected in my consumer profile, the creditor continues to report adverse items. The account has been sold to a XXXX party, without proper disclosure to me from the original creditor ( XXXXXXXX XXXX ). A charge off is a XXXX time event, and because it is the creditor should not be repeatedly reporting/continuously updating my personal consumer profile and reporting to Credit Reporting Agencies . These actions have and continue to incur damage to me on a monthly basis violating 15 USC 1681e ( b ) by misleading and inaccurate reporting. Also because the 3rd party purchaser of the charge off account and original creditor are reporting the same account " derogatory status and late payments '', the impact to my personal consumer profile is two-fold damaging, in violation of 15 USC 1681e ( b ) by not ensuring accurate representation of a debt obligation, 15 USC 1681s-2 ( a ) which prohibits misleading or duplicate reporting and 15 USC 1692e ( 8 ) communicating false credit information. The charge off by this creditor ( XXXX XXXX  ) is required, by IRS guidelines to issue a XXXX for cancellation of debt over XXXX which has not been recieved to date.
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted SLOAN/NELNET SERVICE XXXX notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with XXXX, XXXX, and XXXX. I have yet to receive any response from SLOAN/NELNET SERVICE . XXXX XXXX ( formerly XXXX XXXX XXXX ) did violate Family Educational Rights and Privacy Act ( FERPA ) and Privacy Act of 1974 and 5 U.S. Code 552a for the school was never authorized to share my consumer nonpublic personal information with anyone, however, did share my consumer nonpublic personal information with a student loan company.
Product: Checking or savings account

Wise deactivate my account ( wise is a virtual banking services ) I use wise for my payments which is received from my clients and wise suspend my account almost 3 month ago and I summited an email with all the information which they demand like my picture and my national identity card and they give code and they told me to write on blank page and they told me to hold it beside my face with your national identity card and I summit all of the things and then they reply me after XXXX to 50 days and amount is stuck in that which is almost XXXX $ and wise not demand any extra bank account to give your amount but I send but not giving my amount and not telling me why your account got suspended here is my email from where the wise can verify or find my account XXXX XXXX
Product: Credit card

Today I went to Sears and wanted to purchase XXXX bed pillows at {$3.00} each. My intentions were to use my bank debit card. The cashier, who by all appearances appeared new and struggling with Sears ' computerized register, asked me if I wanted the pillows for free. The cashier further stated that all I had to do was give Sears my information and e-mail address for promotions and related information that Sears was giving their on-line customer base. I gave my information based on those representations although she was struggling with inputting the information on the computer. As it is recalled, at no time did the cashier even mention anything about a credit card. Next a receipt looking document popped up ( attached ) that fraudulently stated that my application could not be processed at this time, The issuer of Sears MasterCard. Remarkably, there was no mention of who that issuer was. I telephoned that number and the prompt said that my application for a credit card was denied because of too little credit. I then got someone on the phone from Maryland who would not identify themselves with any company and told me I would have to take it up with XXXX. The prompt controverted what the receipt said, thus rendering this a deceptive, unfair and abusive practice. I did not want nor need another credit card. I have a XXXX XXXX Credit Card through XXXX ( {$2400.00} limit ) and another XXXX credit card from XXXX XXXX XXXX XXXX. I would n't take another credit card even if it was free since I do n't use the ones I have, and am a " pay as you go '' person. Moreover, I am almost XXXX years old, elderly and XXXX and have been duped. I am presently in a pre-approval posture to purchase a home and the derogatory mark from the decline could cause me to lose funding, and/or cause a lender to use that as an excuse to bump up the interest rate. I have a clean credit history and my credit score is in the XXXX. I am a XXXX Veteran of the XXXX XXXX XXXX and it is reprehensible that Sears would behave untowardly with a person of my age and health situation, not withstanding the fact of causing stress and anxiety. Sears refuses at my request to rescind the credit application garnered through deceit and/or inaptitude and puts it on Citibank ( Citicorp ) and/or XXXX. THIS IS AN UNSUCESSFUL ATTEMPT BY SEARS TO GET AN UNSOLICITED ( BY ME ) ISSUANCE OF A CREDIT CARD WHICH HAS SULLIED MY REPUTATION AND CREDIT REPORT. 
The application reference number is : XXXX ( see attachment )
Product: Credit card

Law 15 usc 1666b clearly states A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose, unless The information in section 1637b was mailed no later than 21 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian, XXXX and XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

Advanced Collection Bureau can not validate that I owe this supposed amount. In violation of law.