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

I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically Metro 2 Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy.

*** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the Metro 2 Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE!

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I have unexpected debited amount to my Bank coming from Sendwave which I did not authorized. My account in sendwave had been compromised. 
I created an account in Sendwave that I only used once. Sendwave stored my bank account without my knowledge and approval. Someone used my Sendwave account to sent money to someone that I did not authorized or never made any transaction on this date. I called Sendwave to let them know that I never authorized and never send money in the amount of {$900.00} to anyone that I dont know, customer associate told me that they already approved the transaction after they suspected its a scammed.Customer associate also said that they sent me an automatic email but I only read the next day XX/XX/XXXX, XXXX! I demand them to return my money back but never happen the refund. 
I need help..what will I do to get back my money that Sendwave anyhow approved to sent to someone using my account with them.
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 violating 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 Electric 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: Credit reporting or other personal consumer reports

I am writing Transunion to do a reinvestigation on accounts listed below in attachments. 

When I call XXXX XXXX and Transunion they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.
Product: Debt collection

I had a medical emergency on XX/XX/2018. I have insurance and submitted my insurance card/info. The hospital visit was paid but the doctor which was a contracted doctor through the hospital was never paid. 

A year later I started receiving calls from a debt collector requesting the payment. I called the hospital and the insurance company and explained I have insurance and why this bill went to debt collection. They could not help me as # 1 it is now a year later and they will no longer submit the payment thru insurance and # 2 since it is in debt collection they will not do anything. 

Main issue is that I had insurance and it is not my fault that the doctor payment was never sent through insurance until a year later and now insurance wont take care of it. 

We have been getting the same calls every year since 2018 and no one can help us. The debt collection is attempting to make us pay {$500.00} for the doctor when insurance should be paying.
Product: Credit card or prepaid card

I found a fraudulent charge on my Amazon Chase credit card in XXXX 2019. I only use this card for XXXX purchases. This charge was from a strange company out of XXXX called XXXX  XXXX and the purchase was for a {$480.00} vacuum cleaner. I called Chase immediately when I found this, disputed the claim, asked if I should close my account or get a different card number. They sent me a different card number. The representative said that the item was shipped to my business address, but only my physical address without the suite number. I stated I would never do that because I always include my suite number when I order anything to be delivered here. I am very shaken because I didn't purchase this item, and someone had my information enough to include my physical address, and used my email address but it went to spam so I didn't catch it. I asked if I should file a police report, she said no. She said that it will be taken care of. I got a letter in the mail today, saying that because " I received benefit from this transaction. '' that I was denied and now owe the {$480.00}. I would like guidance on how to go forward. When I go to the website of where this was purchased it is very sketchy. I'm not sure what to do or how to go forward and would love some guidance.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : 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 XXXXXXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute with Chime for a transaction of {$330.00}, which I never did. I explained that I had my card holder stolen and my card was there. They issued a new card and within two hours and no investigation, they denied the claim. I called and got no help, just rude employees, they also never provided a clear letter or denial. Just a copy/pasted email template. Today, going through my charges, I noticed three more charges, which are also fraud for {$340.00}, {$29.00} and {$33.00} I provided a police report this time, and in less than 4 hours they once again denied my claim. I already have a new card, police report, how come I can not get my money back? I need my {$740.00} back asap They replied to the XXXX complaint as follows, and once again within two hours of reopening the claim : Chime is in receipt of the complaint filed through the XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted us via phone regarding a transaction totaling {$330.00} which XXXX stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 

On XX/XX/year>, we notified XXXX via email that we completed our investigation and based on the information available, we determined that no error occurred. 

On XX/XX/year>, XXXX inquired about reopening the case, and a rebuttal claim was opened. 

On XX/XX/year>, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 

Claim ID : XXXX On XX/XX/year>, XXXX contacted us via phone regarding three ( 3 ) transactions totaling {$410.00} which XXXX stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 

On the same day, we notified XXXX via email that we completed our investigation and based on the information available, we determined that no error occurred. 

We appreciate XXXX for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate XXXX input. 

We thank you for the opportunity to respond to XXXX XXXX XXXX complaint. If XXXX XXXX XXXX continues to have concerns regarding their complaint, please have them contact Chime Member Services at XXXX. 

Ive sent them the police report, got a new card, and they clearly dont mind investigating. Also they customer service over the phone is not well trained. They are one for the banks that gives no provisional credit and does not investigate any fraud. 

I need my money back ASAP
Product: Debt collection

My name is XXXX XXXX XXXX XXXX I was born XX/XX/XXXX the debt the showing on my report is not related to me there are three other XXXX  I need this remove my credit report I need a full investigation are all my debt including inquires I havent had any choir because I have not stayed in the state for almost 2 years please resolve this in a soon as possible my email is XXXX or 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. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

On XX/XX/2019 I attempted to log into my account with Equifax to temporarily unfreeze my account because leasing a new car the next day. Unsuccessful! ( on first attempt to log in message " locked out because too many attempts '' ) After numerous tries with different telephone numbers finally reached a live person and told " system under maintenance ''. 
On XX/XX/XXXX, at the car dealer again after several attempts with different telephone numbers I was advised : " system under maintenance ''. Faxed the requested information to Equfax to unfreeze account - no response. Could not complete the transaction. That night finally reached a live person ( not an easy process ) and had a temporary lift of the freeze to complete lease process. 
Tried again to access my account on line to avoid problems in the future - unsuccessful. Numerous tries to talk with someone led to a repeat " system under maintenance ''. 
On XX/XX/XXXX, again tried to access on line without success. Spoke to a live person ( supervisor ) and told " system under maintenance ''. 
Through this entire saga attempted the usual fixes : cleared history, changed PW, used different browser. All unsuccessful. 
At no time during my live telephone calls was I asked for the pin number issued when first froze account.
Product: Debt collection

I C Systems has reported debt of XXXX $ to the credit bureau and it does not belong to me. I have been fighting to get this off my credit report as I have not one time received a collection notice from the company who sent the debt to I C Systems nor have I received anything from the original collector. They just automatically reported this false information to credit bureau. I am not a customer of XXXXXXXX XXXX XXXX
Product: Mortgage

During the pandemic, while out of work and sometimes having my hours decreased I took advantage of having my mortgage payment deferred with Midland Mortgage which was a great help to me. There were no late payments and no interest during this time period which I want to say occurred for a period of at least 18 months. After that time, I did a modification with Midland Mortgage and my mortgage was decreased to {$1000.00} approximately. On my credit report, Midland Mortgage did not report at all the removed the mortgage all together as if I don't own a home and this impacted other creditors where they either closed my accounts or decreased them dramatically to credit lines of {$100.00}. I have other accounts where they are in deferment like student loans and they just state the facts which is what you are to do that the account is being deferred. However, this is not what Midland Mortgage did to my loan. Also, I am not permitted to make my payments online like other customers and have to call in the payment. I feel like I'm being treated differently, because of the Pandemic which is not my fault. I'm making a formal complaint for the credit reporting or lack thereof and an immediate correction and anyone creditor that reviewed my credit to receive an update with the correct information and an explanation.
Product: Credit reporting

Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$1700.00}
Product: Credit reporting

TransUnion has ignored my request by constantly running around the issue. They yet to explained why an account that shows Paid in Full by the borrower on XX/XX/2015 TransUnion continues to report a 90 days late payment on XX/XX/2015. Even their own report makes no sense as they report the account " OK '' for all previous months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 90 days late on XX/XX/XXXX. I 'm attaching a picture ( sorry can not upload the document to my PC ) of the document proving my claim. They keep sending notice of investigation closed without addressing or changing the negative report. Neither an explanation of how they arrived at the same conclusion than before. TransUnion is in violation U.S.C. 1681i 611-15 ( 4 ) ; ( 5 ) ( A ) ( i ) ; ( 6 ) ; ( 7 ) ( 8 ) The complete arrogance and indifference demonstrated by Transunion is beyond justification. Specially, since other consumer reporting company have corrected it by deleting the same negative item from their report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received an alert via Experian that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX
Product: Credit card or prepaid card

On XX/XX/2021 a fraudulent charge of XXXX dollar was withdrawn from an atm in XXXX XXXX when i was visiting my family in new jersey. Bank of america has open and then closed and now reopened my claim. They are saying it will take 45 days to get my money back. this is unacceptable.
Product: Credit card or prepaid card

Over the course of six phone calls, I've attempted to amicably resolve the dispute with Navy Federal Credit Union. With continual requests for additional information, the requests not being provided in a timely manner, the situation culminated when XXXX with Navy Federal Credit Union security called me at approximate XXXXXXXX XXXX  on XX/XX/XXXX and threatened me with bodily harm and death. 

The initial charge for approximately {$450.00} was made in XXXX with XXXX XXXX, a political sign manufacturing company. After many jobs having gone wrong previously with the company, I requested a refund for one of the projects which had gone wrong. I disputed the charge with Navy Federal Credit Union and the company has taken an unacceptably lethargic approach to resolve the dispute. 

After many weeks of back and forth communication with Navy Federal Credit Union, I provided Navy Federal Credit Union with every possible shred of evidence that the XXXX XXXX company had provided signage that was delivered with unacceptable damage and quality control issues. Today, XX/XX/2018, I sent final documentation to Navy Federal that they've requested with information that I'd sent the merchandise back to the XXXX XXXX  company, as XXXX XXXX revoked online access to my online ordering account and refused to continue communicating with me by email. 

After sending the final requested documentation to Navy Federal Credit Union, I provided final warning that if I could not solve this amicably, I would be forced to pursue this matter in small claims court. It was later that evening that I received a threatening phone call from XXXX on the security team. I'll have to file a police report, as Navy Federal has access to personally identifiable information that would endanger my family if XXXX followed through on his threat of bodily harm and death.
Product: Debt collection

THE REPRESENTATIVE CALLED ON A SUNDAY, XXXX XXXX, 2015 AT XXXX EASTERN STANDARD TIME. I LET THE REPRESENTATIVE KNOW THAT IT WAS A SUNDAY AND I WAS WITH MY FAMILY. HE STATED THAT THIS CALL WOULD ONLY TAKE A MOMENT OF MY TIME. I FEEL THAT HE WANTED ME TO TALK WITH HIM ANYWAYS DID N'T MATTER TO HIM IF IT WAS A SUNDAY AND THAT I WAS WITH FAMILY. THE COMPANY IS PORTFOLIO RECOVERY AND THE NUMBER THAT SHOWED ON CALLER ID IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX