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

Chime bank denied my dispute. I want proof of how they can deny me, IT WASNT ME. I had 2 transactions ( ATM withdrawals ) come out on XX/XX/2021. One was at XXXX XXXX  in the amount of {$400.00}, the other was at XXXX XXXX, in the amount of {$43.00}. I didnt realize my card was missing, but my phone was missing from work on the night of the XXXX. I never thought about my card. On the afternoon of the XXXX of XXXX, my phone appeared back at work, but had been completely reset. Still had not noticed my missing card. Didnt need it. I thought it was strange about my phone, but was happy to have her back. Well on the XXXX I went to get gas, realized my card was missing. But, I tried to use XXXX XXXX ( connected to my chime card ), and it denied me for insufficient funds. Thats when I looked at my account and realized. {$440.00} missing. I immediately made the dispute, and turned in letter that night. Well, today, day 10 provisional credit day, and they deny me. I am losing everything because of this, power, rent, and theres no way they can stand behind their findings, because it was not me that took that money. Someone stole my phone and had fun. They will not really talk to me or give me a good reason for denying me. Wont let me talk to a superior. How can they deny me? I have a police report now, as well. Because there have been numerous cards opened fraudulently in my name as well. Please help me. My email is XXXX. XXXX is my first name. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. Equifax Mtg 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Equifaxs failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX. 
( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I signed up. with crypto.com to buy and trade crypto stock. I sold all of my stock on XX/XX/XXXX and has since not been able to retrieve my money back to my bank account. I was forced to transfer all of my money into crypto.com stock as that was the only option given to me when I sold my stock. I Have tried to set up a XXXX XXXX to retrieve my funds but have not been successful, as I was told I cant be verified. Which is strange because It is the exact same information that crypto.com used to verify me before I could trade on their site. 

I have reached out to them many, many times in the chat with everyone giving me the exact same scripted answer. I was told through chat to upload documents my ssn card just recently and before a utility bill by a chat rep. They can not give me a location on where to load documents. There is nowhere to upload documents I believe unless it's requested by XXXX XXXX. None have been requested. 
We are in week two and I still have not been verified. they keep reseting my account stating everything is good to go you should have no problems. I have litterly done that 8xs. 
In the mean time my money is in their stock. I am loosing money as they hold on to my money in their stock. I was told they do this often by the chat rep. So they are Stealing my money for their stock price to go up along with others. I have no way of contacting anyone higher. 
This should be illegal
Product: Debt collection

XXXX has once again filed a false claim for the fifth time for a a debt that is not owed. This same claim has been on going for 7 years. Each time I demonstrate that it is not owed and their fraudulent invoice is exposed and returned by a collection agency, they re- file it with a new company, after the last collection agency drops it. 

It should be noted that this false claim has been dropped four other times and the behavior by XXXX has become criminal, as they have no legitimate purpose to keep filing this claim which amounts to stalking. 

I have attached the letter from the last collection company that dropped the debt. There are three more companies that dropped the debt, after review, but the last one should provide all the information needed.
Product: Credit reporting or other personal consumer reports

I am fully aware that Experian, XXXX and XXXX have reported negative credit items on my credit report without sufficient legal standing. This action not only contravenes the statutory provisions outlined in the Fair Credit Reporting Act ( FCRA ) but also disregards the principles upheld by the Supreme Court under the Chevron Doctrine. The FCRA aims to ensure accuracy, fairness, and the privacy of information in the files of consumer reporting agencies.

By collecting and disseminating private information without explicit statutory authority, Experian, XXXX and XXXX is in violation of my rights as a consumer. This unauthorized practice has led to substantial harm, including but not limited to the negative impact on my credit score, which affects my financial stability and opportunities. 
I request that Experian, XXXX and XXXX immediately cease the unauthorized collection and reporting of my private information and take corrective action to remove any and all negative credit items that have been inaccurately or unlawfully reported. Furthermore, I urge the CFPB to investigate this matter thoroughly and enforce compliance with the statutory requirements as dictated by the Chevron Doctrine and the FCRA.

Please acknowledge receipt of this letter and inform me of the actions that will be taken to address this issue within 30 days. Failure to comply may result in further legal action to protect my rights and ensure adherence to federal laws and Supreme Court rulings. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a company called one main on account that I have no clue what it is. Tried to dispute it and called to get information about it but havent heard anything.
Product: Mortgage

I no longer can put my hands on the date information, but we were mistreated by XXXX after my husband had suffered XXXX. I called XXXX numerous times asking whether we could get the assisstance others were getting and were told that " you're doing fine, just keep paying. '' We hired an attorney who gave us what turned out to be unlawful. He is currently being kicked out of the Florida XXXX. On the advice of that attorney, we Quit Claim over to a man who illegally leased it without ever paying XXXX a dime which turned out to be illegal. Of course, we would have preferred to keep our beautiful home, but the treatment we got from XXXX. They caused us to go through my husband 's retirement cash as a result of their behavior. I reported all this to Consumer Finance about a year and a half ago, but we never heard anything about the judgement against them to pay people like us a dime
Product: Mortgage

Ive contacted Bank of America, who has taken zero action or authority and changes their story as to why the next step has not happened. They refuse to proceed with a foreclosure on a vacant, legally abandoned home since XXXX, cancelled a scheduled foreclosure for XX/XX/XXXX of XXXX. My loan is now 11 years old and I owe 56 percent more then its original principal because they have dragged there feet and hid behind the covid moratorium that does not apply given the property is both vacant and abandoned. Please help as the only one that is benefiting from this is Bank of America and it is not right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX under 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX XXXX XXXX different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX XXXX XXXX required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
XXXX. Account Number XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

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

Debt collection is wrong. They need to dispute it. I have XXXX. It has proven what I payed for on debt collection XXXX XXXX and also when I had XXXX XXXX  XXXX in XXXX California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to learn why score dropped by 35 points as nothing on my report would indicate why such a drop. The agent said she does not know why and the computer provides the numbers. I also informed her that one of the items is showing an increase to my account. I explained to her that if my previous month report was XXXX and now my current balance is XXXX how was an increase done. She just kept repeating the same thing. I asked her if she could put in an inquiry to find out why my score dropped by 35 points if nothing on my report is indicating the reason for this. All she could say is the computer generated it. I want experian to look into why my score dropped by so much with details. This is just unacceptable to a consumer that helps to stimulate the economy through purchases and paying for my purchases.
Product: Money transfer, virtual currency, or money service

I believe I have been scammed by XXXX. XXXX  looks to be owned by JP Morgan but they also seem to separate themselves when dealing with issues. 


On XX/XX/2024, my client wanted to make a deposit on a loan to purchase equipment. XXXX  ( JP Morgan ) offered a quick accept payment option that I used. The amount was {$1900.00}. The money has been deducted from my clients account. To make it clear, the money is no longer in his account. 

On XX/XX/2024, I received the following information from 'Chase Integrated Payments XXXX ' " Your payout has failed We've canceled your XX/XX/2024 withdrawal of USD {$1800.00}. 

Common causes of a failed withdrawal : The admin name on the account is not the name on the bank account. For security reasons, the financial admin must match the name of the account we're sending money to. 
The bank account number is invalid or mistyped. 
The routing number is incorrect. Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use. 
If you've already entered in new bank account information, we will initiate a new transfer of funds as soon as possible. We typically allow 2-5 business days for transactions like this to complete. 

If you need any help, or have any questions, let us know by responding directly to this email. '' This email above is saying that the payment failed and therefore it has been canceled. But if the payment failed and was canceled, how did the funds still come out of my clients bank account. For the {$1900.00} to be taken out of their account shows that it was a successful transaction. 

I then contacted XXXX  directly and was told the funds would be held 120 days and they can't give me any additional information. They said due to " proprietary nature '' they can't give me any information on why it was canceled. This doesn't even make sense. They can't tell why they are holding the funds because of " ownership rights ''. They can't and won't talk to the client ether. Its just a fancy way to not have to say anything. 

I then went to their appeals email. XXXX. Sent up for an appeal. They don't ask you to explain anything. They just say appeal the decision to have your account reinstated. The don't care and its just a way to say they have a process to help resolve the problem. They got back to me the following day with no new information and that they will hold on to the funds for 120 days. This is just is just a step that has no real outcome available. 

I also find it funny that the client or his bank can not contract XXXX. They can go through the process of a charge back but the funds are going to be held no matter what. XXXX  is not going to send the money back and the only way to make the client whole again is for his bank to give him the money. 

There are many example of XXXX  doing this to many other companies. The XXXX  has XXXX pages worth of complaints from companies going through the same thing. The is fraud because there is no way to realistically get the money returned to sent through.
Product: Debt collection

Fair Collection & Outsourcing has tried multiple times to collect on a debt that is not mine. They have sent notices to addresses where I do not reside and a number of their notices have had different incorrect iterations of my name. When contacted they press me for additional personal information. I have tried working with the company that initiated the debt, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, but I have been unable to verify that they are an active and legitimate business. I have never lived and or visited the the state where this apartment is located. I have filed a police report for identity theft and I have notified all three credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.
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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXXXXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I looked on my credit report and saw this entry on it by them, stating I owed them money. I have heard nor did any sort of investments with them and requested it be removed.Yet, I asked for them to send me proof, prove it's my debt. I never received a response. That's why im filing this complaint, it's not my debt and I want it removed by them immediately.