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

EQUIFAX Has now returned to my credit report, an account that is in charged-off status which is the result of credit card fraud. Fraudulent charges began in XXXX, and led to the charge-off in XXXX. 
I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my 2nd attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, XXXX, Equifax ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXXsystem/files/consumer_ftc_gov/pdf/fcra-605b.pdf ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Product: Credit card or prepaid card

XXXX company is currently showing 30 days late ( XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX )
Product: Checking or savings account

Chime Bank Cuts All contact and freezes millions of peoples cards and accounts Chime Bank Cuts All contact and freezes millions of peoples cards and accounts. 
After doing some research being denied going to buy food and just checking my bank balance a couple minutes before, I do a simple check again and see a small notice that says chime had " intermittent issues ''. No further detail was given. 
I did a small search on XXXX and after no email or text or any notification, see a XXXX from chime. Were currently experiencing intermittent issues with our mobile app and website. Card purchases and ATM withdrawals are also affected. Our teams are working as quickly as possible to bring everything back online. 

For status updates, visit * link provided*. Looking through the comments I see that millions of others are experiencing the same issue for hours. No email no notice. People are finding themselves stuck at gas stations having police called on them, having cops called on them at restaurants, missing their sons funeral because of not being able to buy a bus ticket, being embarrassed, ridiculed, and worse. Chime blocked all of their contacts. No phones, no in app chat, no live chat. It was as if they tried to disappear and we had no access to our money. Chime then proceeded to block persons complaining on XXXX hide comments about complaints and ignore us continuously for hours. After 4 hours we still received no email, no phone call or text, no update in communication to tell us what we can expect or do. They still have their communication shut off and gave us no warning or anything as we go throughout our days with no idea of what's happening. Millions having been affected in the worse ways possible. Chime has done nothing to apologize even in the original XXXX  that led us to even know something was wrong. I feel violated as I just got the bank and already feel that I can not trust them with my business. I and hundreds of others that expressed themselves on XXXX expressed their disgust and anger and intense situations online with the company with no action to console or help anyone with their situation. Utter embarrassment and despair. 

How can I and many others take action for the damages caused by chimes questionable and harmful business decisions and actions in this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the issues surrounding an account found on my credit reports named " XXXX XXXX '' # XXXX account that had many inaccurate information on payments with CFPB as of to date per Transunion and XXXX it ( shows that I made a payment in XXXX XXXX XXXX ) ; I have Never made any recent payments to this company- ( please ask to see a payment receipt from said company it will show nothing! I have no copy of any paid receipts, no recordings of such kind ) reporting payment dates, etc.. as of to today. This company is reporting something that is FALSE and intentional! This goes against section 623 of the FCRA and regulation V. Second, I have also reported this a few times with credit bureaus and both Transunion and XXXX with the exception of XXXX has removed/ deleted the account. 
This said account was opened XXXX ( it is now aged at 10.4 months old ) and after verifying with a free annual credit report and the bureaus this account has EXCEEDED the FCRA rule which is " a consumer reporting agency can no longer report negative information that is more than seven years old. '' As a consumer they have violated my rights and is not in compliant. I demand that they remove this account immediately across Transunion and XXXX bureaus. They are strictly in violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I received a call from one of the companies ( XXXX XXXX XXXX ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( Prosper ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through XXXX XXXX ; again I have never requested or created an account with any of these companies.
Product: Credit reporting or other personal consumer reports

I BEEN AFFECTED BY THE DATA BREACH AND I HAVE INQUIRIES THAT WAS UNAUTHORIZED BY ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In accordance with the fair credit reporting act American Express has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 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: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX  data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a bunch of emails from Bank of America at XXXX indicating a new account was opened. I knew this was something done fraudulently so I contacted Bank of America Fraud department and they confirmed that someone used my social security number to open a checking account. They also used the name XXXX XXXX and and a fictitious mailing address from California! I contacted the fraud department and they canceled and blocked the account. My major concern is that my social security number is in the hands of criminals and I am reaching out to you for additional support and added protection for my identity and social security number.
Product: Consumer Loan

I leased a XXXX in XXXX of XXXX. Upon lease ending in XXXX of XXXX I was notified that there was a end of lease balance in amount of {$2900.00} for over miladge. I had conversations with American Honda Finance regarding this amount and had setup a payment plan, as I was unable to pay the debt in full in one lump sum. I specifically asked the representative if This debt was reported to my credit. I was assured that it was not. I was advised that after a certain period of time the money owed would go to collections, which I again verified WOULD NOT REPORT TO CREDIT. I have since noticed that this amount Is in fact listed as a negative factor on my credit report. I have called up American Honda Financial at : XXXX and discussed this issue with a representative. I was now being given Conflicting information and told that once the debt goes to collections, it Does get reported to credit. I was absolute, complicit and clear in my original questioning of the weight of this debt. I am in the process of securing a loan for my family to get by, and my credit score is Extremely important. I am Shocked aand appauled by the total disregard for American Honda Financials lack of competence by its empoloyees. I find this practice Highly unfair, unethical, and also a reason that Truth in Lending, Nd Honest Credit reporting rules and regulations have been enacted. I further looked into feedback on American Honda Financial Services and have seen multiple similar complaints. 

Please work with me to get this issue straightened out with them. I am making payments as I am able to on this debt, and was mislead and deceived.
Product: Debt collection

CFPB Complaint filed on XX/XX/year> : On XX/XX/year> and XX/XX/year>, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all 3 bureaus ( XXXX, XXXX XXXX, and XXXX ) : XXXX XXXX LVNV Funding XXXX XXXXXXXX These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 1. **Failure to Provide Validation of Debt : ** I have not received proper validation of the debt in question as required by FCRA Section 809 ( b ). Despite my previous requests for detailed documentation validating the debt, including the original signed contract and a breakdown of charges, this information has not been provided. 

2. **Reporting Inaccuracies : ** The reported information appears to be inaccurate, and it is my right under FCRA Section 611 ( a ) to have a thorough investigation conducted. I am formally disputing the accuracy of this account, and I request that you promptly correct any inaccuracies and provide me with a corrected credit report. 

3. **Failure to Respond to Dispute : ** It has come to my attention that my previous dispute, dated [ Date of Previous Dispute ], has not been adequately addressed within the statutory timeframe outlined in FCRA Section 611 ( a ) ( 1 ) ( A ). This failure to respond violates my rights under the FCRA. 

4. **Failure to Report Dispute to Furnisher : ** I also note that, as per FCRA Section 623 ( a ) ( 8 ), the collection agency is obligated to report my dispute to the original creditor. Failure to do so is a violation of this section of the FCRA. 

Given these violations, I am formally requesting the immediate deletion of the disputed collection account from my credit report. Furthermore, I insist that you provide written confirmation of the account 's removal and a corrected credit report within 15 days of receiving this letter. 

Additionally, I am invoking my rights under the SAFE Act to request information about the original creditor, the nature of the debt, and any supporting documentation that establishes your authority to collect this debt. The SAFE Act requires debt collectors to provide consumers with specific information about the debt in question. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute.
Product: Mortgage

Quicken loans changed their loan conditions for no GOOD reason ( or one we could find out ) after 4 years saying that the employee that set up our loan 'made a mistake ' and we were supposed to be paying hurricane insurance which quadruples the cost of our overall insurance and makes the house NO LONGER AFFORDABLE to live in and now we have to sell. It is not right for them to change an agreement because someone screwed up because we based our decision to buy this home BASED ON THE AGREEMENT AND LOAN CONDITIONS THEY SPECIFIED at the time b/c what they offered made this an affordable purchase. We were told repeatedly ( which WAS WRONG and we PROVED it to them via our state insurance agent ) that the hurricane insurance was 'required by state law ' -- a total lie and proves their incompetence. We accepted this lie for a year and had to pay the increased insurance and then we got hit with a huge escrow bill that we have to pay. So we protested again this year, XX/XX/2018 when we got the nearly {$1700.00} bill and after we proved to them that it is NOT 'state law ' to require this insurance, we were then told that the 'investors require it ' but was NEVER answered about WHY, what basis are the investors using for this decision because if they are using the 'state law ' justification, it is not right or fair to do this to us. We have repeatedly asked them to honor their original agreement with us as they are a multi million dollar company and a couple thousand dollars isn't going to hurt them but it is hurting us to the point where we have to sell and move. They refused. Then we asked them to at least give us a break and split the difference with us to at least make up for their 'mistake '. They refused. All they would do is extend our payments. Big deal. We will still have to pay the full amount when we sell the house. Totally unfair. They told us basically that we should thank our lucky stars we weren't having to back pay for 4 years of hurricane insurance we were 'supposed ' to have. Please! If we had known of this requirement, we would have NEVER chosen to go with this company for the mortgage! They don't care about losing our business or the bad word of mouth and internet reporting they will receive. They NEVER answered us about the reason for the investors requiring this insurance and that is unacceptable. Their needs to be big justification for this forced changed if someone is going to lose their home over it! 
If a company is allowed to change their agreement with consumers willy nilly or because of a 'mistake ' or a 'change in policy, ' that will end up amounting to bait and switch tactics and is unethical at the very least. They can always use these excuses then and get away with it.
Product: Checking or savings account

My sister XXXX XXXX XXXX passport XXXX made a false paper to take my money from mysccount XXXX XXXX  XXXX check number XXXX XXXX XX/XX/2022 XXXX usd.
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 time 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 to 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 these violations.
Product: Debt collection

Portfolio Recovery Associates keeps harassing me with phone calls stating that I owe them {$4600.00} from 2 XXXX XXXX XXXX credit cards I opened in 2013. I was a XXXX XXXX then and I only have had 1 credit card throughout my XXXX years of living and that was a XXXX XXXX XXXX XXXX XXXX card with a credit limit of {$300.00}. Portfolio Recovery has 2 collections accounts on my credit report : one with a balance of {$2200.00} and another with a balance of {$2300.00}. I only had a {$300.00} dollar  credit limit so how could this be? The information that they have is inaccurate. I 've called them on several occasions disputing the inaccurate information but they refuse to remove both collections accounts from my credit report I even asked them to only charge me for the {$300.00} that I actually owe and they still will not do anything. They have sent me settlement letters but I refuse to pay debt that is simply not mine. The statue of limitations for unpaid credit card debt in the State of Louisiana where I live is 3 years. So even if the debt was mine, I still would n't be responsible for paying it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt that in fact therefore exist. ( Please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$8700.00}, XXXX XXXX XXXX balance {$830.00}, XXXX XXXX XXXX XXXX {$300.00}, XXXX  XXXX XXXX  balance {$2100.00}, XXXX XXXX XXXX XXXXXXXX Balance {$180.00}, XXXX  XXXX balance {$100.00}, XXXX  XXXX balance {$280.00}, XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for an investigation because XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it, i never sign any contracts or agreements to receive benefits from this company.
Product: Credit reporting or other personal consumer reports

old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXXXXXX XXXX held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of this
Product: Debt collection

Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.
Product: Credit card or prepaid card

Opened a Walmart credit card through XXXX  XXXX. Advertised {$25.00} statement credit after first purchase. I used card on for three billing cycles and never received credit despite calling after each statement was received and credit wasn't applied. After calling last night the newest ploy is that Capital One now has the card and XXXX XXXX  claims they no longer have access. I want my {$25.00} that was offered and agreed upon when I opened and used the credit card. They also should be compensating me for having to make numerous frustrating calls wasting my time and energy trying to get what they have failed to provide. They have breached a contract and owe me {$25.00} Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent accounts on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized accounts that is a result of identity theft. I have already contacted the bank associated with these accounts two months ago, and they assured me that they would remove it from their records. 

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 
It has come to my attention that other credit bureaus have already deleted these fraudulent accounts from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the accounts continues to be reported on my credit report by your bureau. 

To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of these accounts. I kindly request that you investigate this matter promptly and remove the fraudulent accounts from my credit report. 

I expect a written confirmation of the completion of your investigation and the removal of the fraudulent accounts from my credit report. Additionally, I request an updated credit report reflecting the corrections made.