23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am unable to link my personal account to my XXXX app. This app connects with my bank to access my payroll deposits so I can receive advances from my check before I get payed each bi weekly week. Unfortunately because of Pnc I can not do so. I wish to get this handled as soon as possible. This app is a legitimate system that helps others in financial need. I wish to be able to access this application via threw my account just in case my account is overdrawn or if an emergency comes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the last dispute case number XXXX I was told by transunion that I could not receive a report because they are investigating and they will be done before XXXX/XXXX/2022. Today is XX/XX/XXXX22 I have not gotten any updates or emails from them saying that they are working on things and I tries to get a report it's saying that it's working on my report. They are in violation of my consumer rights. How is cfpb sitting around allowing this kind of stuff. I'm not asking for legal advice, but I am questioning the position that the cfpb has to allow abuse from the transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep running credit reports ( inquiries ) on my credit report which i did not authorizeXX/XX/XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00}
Product: Debt collection

I had an account with Avant ( Credit Card ) this account was charged off on XX/XX/XXXX per the attached account summary. I've requested the 1099-C from Avant and received no responds. Then in XXXX of XXXX I started to received request for payment from a third party debt collector. Resurgent they claim that they manage the account for XXXX XXXX XXXX. I requested from Resurgent the following UCC compliance Article 2 : Clarity of Contract Terms and Article 9 : Transparency of Debt Ownership along with FDCPA adherence Section 808 ( b ) : Licensing and Registration, Section 807 : Prohibiting Deceptive Misrepresentations and Section 809 : Validation of Debts. What I received was XXXX account summaries both for the month of XXXX which is questionable, both summaries have a payment due date for XXXX XXXX but the Transaction Dates and Posted Dates are different. But it's clear that in XX/XX/XXXX the account was charged off for the full amount including finance charges that are almost the same amount of the actual charges. I should have received the 1099-C to this date I've not received it. 
Then in XXXX XXXX Avant sent a letter stating that this account was sold to XXXX XXXX XXXX on XX/XX/XXXX. Avant had no right to sell my information to XXXX and Avant has no right to sell an account that they charged off back in XXXX of XXXX. This is unlawful Avant charged off an account and then sold the account to a third party debit collector, Avant received payment twice for this account, this is also IRS XXXX Tax fraud. Not to mention a violation of my right.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I applied for a Citigold checking account with a promotion offer that earns XXXX XXXX XXXX miles after completing a set of requirements within 3 months. After a month of opening the account and meeting the requirements, I sent a secure message to confirm that I met the requirements and a representative confirmed that I met the requirements and that my account is eligible. After waiting 90 days after statement close of the statement where I met the requirements, I inquired again to ask that the miles be credited since I met the terms of the offer. I got a response back saying that an investigation would be opened to determine if I was targeted for the offer, and that if I was, the miles would be credited after another month. Two weeks later, I replied to ask that an investigation be reopened since I never heard back. Now it has been over 10 days, again with no promised response. Citibank should honor the terms of the bonus and stop trying to mislead people and collect more account fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with Discover and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX ; XXXX XXXX XXXX : {$8600.00} ; XXXX XXXXXXXX XXXX Balance : {$9300.00} ; XXXX XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXXreditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally submit a complaint concerning a collection account that appears on my credit report, which I believe represents a violation of my consumer rights. Over the past XXXX months I have submitted several disputes to the consumer reporting agencies : Experian, XXXX and XXXX ; asking them to verify the inaccuracies and have received no response. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my rights are upheld, and that the collection account is corrected or removed if found to be inaccurate or in violation of consumer protection laws. They have failed to provide validation.
Product: Debt collection

I have received repeated phone calls and messages from Comenity Capital Bank ; sometimes identifying themselves as being from this vendor, sometimes not. They are contacting me regarding my sister-in-law 's ( my husband 's sister ) account and I am unaware of how they got my information considering I have very limited contact with her already and am not connected to any of her finances. They threaten action and timeliness and have contacted me using different numbers despite me blocking their calls. 

They have called me from XXXX on XX/XX/XXXX at XXXX and at XXXX in addition to other numbers and times. 

I am verified on the do not call registry since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unauthorized inquiries. As a customer I am fully aware of my rights under the Fair credit reporting act ( FCRA ) and have identified inquiries listed below. The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my Chime account was hacked, and I was scammed out of {$970.00}. I immediately reported this issue to Chime and even provided a police report to support my claim. Despite this, Chime denied my claim and refused to take action to recover my stolen funds. 

Following this, I contacted Chime multiple times to address the situation. They issued two conflicting statements regarding the matter but still failed to resolve it. 

On XX/XX/XXXX, Chime notified me of unauthorized attempts to use my card. I replied that I had not authorized these transactions. However, when I later reviewed my account activity, I noticed multiple unauthorized withdrawals totaling the remaining {$1500.00}. I immediately reported these transactions, but within one day, Chime denied my claims again without conducting a proper investigation. 

I submitted a written statement as requested by Chime. However, before I even received my new card, there was another unauthorized attempt to use it. When I called Chime, they assured me that they would resolve the issue, but as of XX/XX/XXXX, I have received no resolution or reimbursement. 

In total, I have lost {$2500.00} due to a combination of the initial scam and subsequent unauthorized transactions. Chime has failed to adequately investigate or address this matter, leaving me without the funds stolen from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION REFUSED TO UPDATE MY PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - 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. This account [ XXXX XXXX XXXX - ACCOUNT # XXXX ] [ XXXX XXXX XXXX - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXXXXXX ] XXXX  Attn : Dispute Resolution Department [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXXXXXX ] Subject : Dispute of Closed Account and Inaccurate Payment HistoryDear Sir/Madam, I am writing to formally dispute the inaccurate reporting on my account [ Account Number ]. I have reviewed my account statement and noticed discrepancies regarding both the account status and the payment history. 
1. Account Status : According to my records, the account was closed on [ Date ]. However, it is still being reported as open or active, which is not the case. I request that you update the account status to reflect the accurate information that the account was closed as of [ Date ]. 
2. Inaccurate Payment History : I have also noticed several inaccuracies in the reported payment history on this account. Specifically, [ describe the specific errors or dates of inaccurate payments ]. These discrepancies do not align with my actual payment records. Please correct this inaccurate information to accurately reflect my payment history. 
I kindly request that you conduct a thorough investigation into these matters and provide me with a corrected statement or an update on the resolution. As this account and its history are affecting my credit report and financial standing, I would appreciate your prompt attention to this matter. 

Please confirm receipt of this letter and notify me of any additional documentation or information needed to facilitate the resolution. 

Thank you for your immediate attention to this dispute. I look forward to your timely response and a resolution to this issue. 


Sincerely, XXXX XXXX
Product: Credit card

Recently, a credit card bill came to my house from Capital One. The address was mine, but the addressee name was of no one in our household. I called Capital One to report the discrepancy. They asked me to return the bill back to them and told me that they would take care of the situation. The next month, I again received a credit card bill with the same unknown persons name as the addressee. I called their fraud department again and told me that they have opened up case on this. These credit card bills continue to arrive at my home address to this unknown person.
Product: Debt collection

In XXXX of XXXX, I was arrested for XXXX  XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was arrested at XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and stealing was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXX bank account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.
Product: Debt collection

It is stated that I owe a company a debt, that I never had any business with
Product: Credit reporting or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX # XXXX - XXXX. XXXX XXXX XXXX  # XXXX - XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to reach out to Equifax to establish a credit freeze. I was transferred from department to department, all offshore, and kept on hold for almost 90 minutes as they claimed to try to find my file. They asked me the same " security questions '' and for my social security number over and over again. They kept telling me that they couldn't find me in their system, although I have credit and receive credit reports from them. I was also impacted by the Equifax breach, which they notified me of when it occurred. They finally placed a lock on my credit. After all of that, they asked if I wanted a credit freeze -- I told them that's what I'd been talking to them about for almost an hour. 
Then they told me that I can't have a lock and a freeze, so they started the process all over again. I was horrified by the incompetence I faced with this agency. Putting a freeze on my credit with the other two bureaus took about a minute each and was a smooth process. This was a horror -- some of the worst customer service I've ever experienced and created no confidence in their ability to protect my credit.
Product: Credit reporting or other personal consumer reports

1. Discover Credit card opened XXXX XXXX. XXXX without my permission. I realized this fraud opened an account in XX/XX/XXXX with a notice from three credit bureaus about delinquent status.

2. I also got the mail from the PBI that there was a data breach and my information belonged to this data breach accident.

3. I sent all of the evidence to three credit bureaus and a Discover card company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But Discover still remains on my credit files. 
The three credit bureaus noticed today that the Discover card was not accepted delete this fraud account with charge-off status. 

XXXX. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX in XXXX. I lived in XXXX, XXXX. I moved to XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX  has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX  number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.
Product: Credit card

A cellphone was fraudulently purchased with my Bank of America XXXX XXXX for {$940.00} from XXXX XXXX on Sat XX/XX/XXXX in the afternoon. It was picked up the following morning ( Sun ) around XXXX in XXXX XXXX CA XXXX ( I have email receipts from XXXX XXXX for all of this, since my email was tied to my CC number ) The phone was then taken to the XXXX, CA XXXX XXXX and exchanged for a laptop. The exchange happened on Sun evening around XXXX. I have the serial number of the fraudulently purchased laptop as well ( XXXX ) I noticed the activity later that week and called Bank of America. They did issue temporary funding back to my account but on XX/XX/XXXX, they closed the claim and recharged me the {$940.00}, citing a response from XXXX XXXX that the merchandise was shipped to me. They said I could see this letter at a Bank of America location, but the woman at the actual bank had no idea how to do this. 

The claim of shipment is an outright lie on XXXX XXXX part, nothing was shipped and I have the email chain to prove someone purchased online, picked up at XXXX and then exchanged in XXXX. I also called XXXX XXXX after I initially contacted Bank of America on XX/XX/19, they were not helpful at all and didn't even want the stolen laptop serial number. 

I reported this incident to the XXXX Police as well ( I am a XXXX resident, and the initial fraud took place in XXXX ). The incident number is XXXX, I spoke with XXXX XXXX. 

BofA also has all of the email, they were faxed to them on XX/XX/XXXX ( after they sided with XXXX XXXX )
Product: Vehicle loan or lease

Payment was late- no denial of that. But made the payment on XXXX XXXX, used our XXXX acct., NOT the XXXX acct., which is closed. Their system at some point used the wrong acct., and even though it was corrected, they 're still claiming the acct. is +30. We redid all info on their system and they received the payment on Friday, XXXX XXXX. My major complaint is that Ally Financial-who are the note holder - called me at XXXX today, XXXX XXXX ( claiming that the payment is 37 days overdue, which it is n't ). I have told them on at least FOUR SEPERATE OCCASIONS that I am currently on the West Coast on PDT, NOT EDT. Each time they have called at XXXX or so I have reiterated the time zone I 'm in.