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

While filing a dispute for multiple unauthorized charges on my chime debit/checking account, I provided all information via fraud claim on the phone and then sent supporting documents to chime via the chime app. Less than a week later I received an email saying the claim was denied. I called and requested any and all information that was obtained for chime to deny the claim and they only sent me the intake form and a copy of the documents that I sent them. I requested the claim be reviewed and reopened. They said they have done that but it still shows the claim as denied and not open. I have received refunds from XXXX of the over XXXX fraudulent transactions. So if the merchant agrees that this is fraud then chime should not have denied the entire claim, especially since I provided proof that orders were made and shipped to a different state.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Bankruptcy from Credit Report Dear Equifax, I am writing to request the removal of a bankruptcy record from my credit report. After reviewing my credit report, I noticed that a bankruptcy filing is being reported, which is inaccurately reflecting my credit history. 

To facilitate the removal process, I have attached supporting documentation that verifies the bankruptcy listed is inaccurately reporting. You list XXXX. This means the bankruptcy was a XXXX XXXX bankruptcy but converted to XXXX XXXX. Do you have supporting documentation for this? You list this on your website under my name and social. I will provide the proof for your records. 

I kindly request that you investigate this matter promptly and delete the inaccurate reporting of this bankruptcy record on my credit report. I understand that accurate reporting is crucial for maintaining a fair credit history, and I trust that you will handle this matter with the utmost professionalism and diligence. 

Please provide me with written confirmation once the bankruptcy record has been removed from my credit report. Additionally, I request that you notify any third-party entities that may have accessed my credit report during the time the bankruptcy was inaccurately reported. Note : XXXX XXXX has no record of this bankruptcy record, yet you state they certified this information as correct to you. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided below. 

Thank you for your assistance. 

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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621. 
An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, XXXX XXXX XXXX, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character. 
The continued reporting of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/2023 ATTN : Consumer Financial Protection Bureau Subject : Complaint Against Experian, XXXX, and XXXX for Repeated Violation of Consumer Rights and Erroneous Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Experian, XXXX, and XXXX, the three major credit reporting agencies, regarding the continuous violation of my consumer rights and the persistent erroneous reporting of accounts on my credit reports. These erroneous entries, specifically closed accounts, are significantly impacting my financial stability and overall well-being. 

I have already submitted previous complaints to the Consumer Financial Protection Bureau ( CFPB ) in relation to identity theft, which have unfortunately been ignored. This has left me with no choice but to escalate my concerns and seek legal action to protect my rights as a consumer. 

The specific accounts that are inaccurately reported on my credit report are as follows : XXXX XXXXXXXX # XXXX & XXXX XXXX XXXXXXXX XXXX SS # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX It is crucial to note that no method of verification was undertaken by the credit reporting agencies despite my repeated requests for verification and dispute. Despite this, the aforementioned accounts remain on my credit reports, causing significant damage to my financial reputation and hindering my ability to access financial opportunities. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit information. The continuous erroneous reporting and lack of proper verification have resulted in grave emotional stress, and I believe I have suffered direct financial harm due to the actions of these credit reporting agencies. 
In accordance with the FCRA, I am seeking monetary damages for each violation committed by Experian, XXXX, and XXXX. 

I request {$1000.00} for each violation of the FCRA, as this is the statutory maximum allowed under the law. I also demand the immediate removal of the aforementioned erroneous accounts from my credit reports to rectify the harm caused. 

I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that Experian, XXXX, and XXXX adhere to their obligations under the FCRA. It is my sincere hope that the CFPB will intervene in this matter promptly to rectify the serious violations and disregard of my rights as a consumer. 

Please see my previous complaints to the CFPB regarding relevant documentation supporting my claims. 

Please acknowledge receipt of this complaint promptly and provide me with updates on the status of the investigation. You may contact me via the provided email address or phone number. 
Thank you for your attention to this matter, and I look forward to a swift resolution to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX a charge appeared on my credit card for {$1000.00} from the XXXX XXXX. I saw this and knew it to be a fraudulent transaction so I reported it as such. A temporary credit was issued for my card, however, on XX/XX/XXXX they denied the claim and charged my card a fee for {$1000.00}. 

I filed a CFPB complaint and the issue was escalated. On XX/XX/XXXX, they once again denied my request. In this document, they got the dates wrong and and simply said no fraud occurred because this charge was in line with my previous charges with the merchant. I have never bought anything from the XXXX XXXX, so this is ridiculous. 

The resolution specialist from Bank of America I dealt with has stopped responding to my calls and emails. The only people I have been able to get in contact with is their fraud department. They have been absolutely no help and told me to talk to XXXX. I attempted to contact XXXX, but they will not give me any information regarding this ( fraudulent ) purchase. 

If I can't get this resolved via the CFPB, then I think my only option left is small claims court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX LVNV Funding LLC [ Their Address ] [ City, State, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by LVNV Funding LLC with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice.

Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from XXXX XXXX XXXX, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the LVNV Funding LLC debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Capital one has claimed a 3rd party vendor is disrupting everyone getting their direct deposits with only half of people getting theirs. I have been waiting since Thursday. My wife and I have a joint bank account and she managed to get hers yesterday ( XX/XX/scrub>/2025 ) afternoon but my significantly higher check is no where to be found. I have bills to pay and a XXXX XXXX XXXX to feed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
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. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX/XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account listed as XXXX and an account for XXXX XXXXThis has caused me tremendous anxiety, stress, and financial hardship.
Product: Checking or savings account

I just recently noticed that Bank of America has been charging my savings account {$5.00} every month as a maintenance fee. This account is a keep the change account, which charges my debit card extra money every purchase. Essentially they have been charging me extra money for years that I didnt need to spend, just to take {$5.00} of it every month. I was never told I had to keep a minimum of {$300.00} in my savings account, only in my checking. I have plenty of money in my checkings that I couldve transferred over if one time out the many times I went to to Bank of America over the years one person helping me couldve told me what was happening. I was never notified that these {$5.00} maintenance fees were happening. I have unknownly lost hundreds of dollars by Bank of Americas keep the change savings account. Really it should just be called give us your extra change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to Portfolio Recovery Assiciates, LLC on XX/XX/XXXX. I attached such exhibit below. 

Portfolio Recovery Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. 

Portfolio Recovery Associates , LLC has only provided me with statements and transactions from XXXX XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. 

According to XXXX XXXX XXXX. XXXX transactions and experiences are not reported on the consumer report. This is a violation of my rights, reputation, and my mode of living. 

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 


( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The notice is to inform that Portfolio Recovery Associates LLC have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You Portfolio Recovery Associates , LLC have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to ExperianCredit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I purchased two XXXX XXXX tickets for my husband and daughter in XX/XX/XXXX with the Chase Sapphire Preferred card, then closed the credit card several months later. On XX/XX/XXXX, I was issued a refund for {$620.00} total for two tickets. by XXXX XXXX to a Chase Sapphire Preferred card. Chase state they can not look up my previous credit card information, and XXXX XXXX says Chase has my money since they were issued the refund. However, Chase is not giving me my money. I have spoken with both XXXX XXXX and Chase six times each and spoken with managers whenever possible. The Chase managers have directed me to submit a message via their electronic system, which I have now done four times and each time I receive a letter in the mail directing me to contact XXXX XXXX. Again, every time I call XXXX XXXX they state that they no longer have the funds and that Chase has them. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} ABS XXXX Balance Owed : {$760.00} ACCT XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.