23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I have submitted numerous disputes, since this is a paid collection that keep being refused to be removed from my credit report, as I have made the PAYMENT IN FULL for my XXXX XXXX account ending in XXXX. Transunion still has the payment status reporting as " in collectiosns/charge off. THIS ACCOUUNT IS CURRENTLY NOT IN COLLECECTION, THIS ACCOUNT HAS BEEN PAID, SO THERE FOR THE PAYMENT STATUS SHOULD REFLECT ACCORDINGLY. I WOULD LIKE TO SEE THE PAYMENT STATUS AS EITHER PAID CHARGE OFF, PAID AS AGREED. 

PLEASE AND THANK YOU
Product: Credit card

Over time, I've consistently made sure that payments on this account are made promptly, never letting them fall behind. I'm not sure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate 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 Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to follow up on the complaint I filed with your respective organization on XXXX XXXX XXXX concerning a fraudulent incident involving Navy Federal Credit Union as my trusted financial institution, where the fraudulent transactions initially came from before being ultimately received by the scammers. I have also attached my first letter. Unfortunately, Navy Federal Credit Unions response remains unsatisfactory, as they never acknowledged nor responded to my complaint despite the urgent attention it needed and the gravity of the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported to XXXX XXXX manifest clear violations of significant laws and regulations. These violations are not speculative but firmly grounded in established legal frameworks. 

Firstly, 15 USC 1681a mandates accurate consumer information reporting. In this context, the reported accounts fall short, constituting a breach. Additionally, the absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313, signifies non-compliance, reinforcing the violation claim.

Moreover, 15 USC 6802 and 15 USC 6803 are transgressed, as evident in the absence of clear consent for information sharing, a direct infringement on privacy standards. The violation of 15 USC 1681b points to a failure to adhere to permissible purpose requirements.

IRS Pub 4681 and 5 USC 5528 violations are evident, as the discharged debt is not reported as income, contravening tax and disclosure obligations. These violations encompass the illegal reporting of transactions and sharing consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The robust foundation for these claims rests on the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and other pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). The factual assertion of these violations calls for immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may result in legal consequences, as substantiated by the existing legal frameworks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : 14 XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

- On XX/XX/2022, I found out that someone hacked my Chime Checking and Savings account. Multiple transactions and transfers varied and made a total amount of {$1000.00} stolen. That was all I had in my account and all i owned in general. Not only did they steal my money, but they were able to change ALL my information on the app. I'm not sure how in the world Chime 's security was able to be breached that easily but the hacker changed my email, number, and physical address to my card. 

- I made the claims, and on the recorded line, they stated that it was indeed recognized as fraud. Chime 's dispute team said that it would take XXXX days to receive the money back. But being that it was all my money that was taken, I told them that this needed to be treated top priority because i will go homeless if i can not make rent or pay other bills. Plus it wasn't my fault for their lack of security for me to wait on money that shouldve never been taken. 

- As days pass, ( XX/XX/2022 ), I would hear absolutely nothing from Chime. I emailed them multiple times to change my information back to what it was before the hacker changed it ( because the hacker logged me off the app and couldn't do it myself ). And I never got a reply from them. So, when the money was put back on my card, instead of me getting the update, the update ended up going to the hacker and the hacker was able to steal the money AGAIN. 

-not only did chime fail to change my information when i asked, they didn't suspend my account so that my funds could stay safe until I could get in my app again. so not only did they not suspend my account, they allowed the SAME person who stole my money the first time, steal it the second time. And now they are saying that it isn't fraud and that they wont give me my money back. 

-I 've called and emailed to get an explaination from them. I'm about to go homeless and bills are continuing to rack up while we are on the rise of inflation. I've never ever had anything like this happen to my years of having Chime. 

- and now its ( XX/XX/2022 ). i really really need the CFPB 's help to getting my money back because it has physically and emotionally effected my family in so many ways. I told Chime to check IP address 's so that they can see that the fraud is happening in CA- to also prove this wasn't me. They have yet to acknowledge their poor security as well as not having security measures in place. I've spent hours on the phone with chime they aren't willing to help me and now i am willing to sue and go to the farthest extent that i can to get this fixed because i refuse to have my family taken advantage of.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reason re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging, systematic issues such as failing to forward consumer provided evidence of furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, experience has neither corrected nor removed disputed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax in action violates federal law and my rights as a consumer.
Product: Debt collection

XX/XX/XXXX XXXX received a fraudulent collection notice from the Bay Area Credit Service for the collection of a debt for medical service rendered at XXXX ( XXXX XXXX XXXX ) room. This service was not provided, the bill is not valid and because of the facts below it 's highly probable that an Unauthorized Disclosure of Personal Identifiable Information has occured. The details follow : On or about XXXX XXXX XXXX the receipt of multiple falsified medical bills were delivered to the residence and I took action to correct the error. The bills were from XXXX, Emerald Coast Pathology Associates and XXXX. I spoke to the XXXX office and the XXXX former accounts appear to be resolved. Due to the fact the personal identifiable information provided to the staff did not match the information for the person that received care. However, for the XXXX fraudulent charge. I was informed to speak directly to the billing agents. I called the same day and provided the details of the charge and I was informed by the agent that the bill would be placed on hold and a return call would occur detailing the results of the fraudulent charge investigation. The same bill continued to be delivered and subsequent calle were made to address the fraudulent charges. I was told by the agency the charges would be addressed but a notice of collection was still received for services that were not rendered and can be verified easily by comparing and contrasting in close detail the personal information on the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XXXX and XXXX my FICO score dropped XXXX points because I don't have a mortgage. This has happened once before and the next month my FICO score went up previous levels. I haven't had a mortgage ever so there's no reason that this should be changing every month.
Product: Credit reporting, credit repair services, 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. 
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  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 USC 1681 s-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 in the inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX ( which states ) ( a ) Block A consumer reporting agency should 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, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX XXXX XXXX  as well as equifax 's XXXXXXXX XXXX XXXX I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXXXXXX 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 reporting or other personal consumer reports

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below 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. Personal information : Wrong name Variations ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong. Also phone numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other phone numbers are wrong. the only correct phone number is XXXX XXXX XXXX XXXX WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; 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. 

The following accounts are also fraudulent and need to be removed off my credit reports ASAP ( Collection account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feeding my family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
Product: Debt collection

I just came across a derogatory mark on my credit for a {$65.00} collection notice, " opened XX/XX/2018 ''. It is reported under both " XXXX/XXXX  '' ( on XXXX  ) & " Stevensbs '' ( on XXXX  ). I've never been informed or have received any kind of notice or validation of this bill. As a result, I have never known there to be any effort made to collect this debt that is now negatively influencing my credit potential.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) has violated my RIGHTS! 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 an account without my written instructions! In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; My rights are being violated all these account numbers are also reporting incorrectly under. 15US code 1681 e ( b ) Accounts numbers : arent a 100 % accurate if the full account number is not reported and missing information.
Product: Other financial service

I hired Shoreview Financial XX/XX/2014 to modify my mortgage and paid them {$3000.00} up front to do so. The agreement was that they would exhaust all possibilities of a modification, and if they were unsuccessful, they would refund me the {$3000.00}. We had numerous denials in the past 24 months and were asked if we wanted to continue and we decided a refund was appropriate. I was told I would receive one within the week, never did. I called and was told I was n't forgotten and it should be another week or two. I called after that duration of time and received an email in response saying that the company was " shutting down '' but would be sure to pay me what I was owed. I waited another week and called again and I was told that they had no idea when I would actually be paid, and if any company ever told me that they could modify my mortgage for a fee to " run in the other direction, '' because if THEY could n't deliver, then NOONE would be able to. I am still having trouble contacting anyone and have not heard anything more about my refund.
Product: Checking or savings account

PNC says that the security on XXXX is not as secure as theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Debt collection

XX/XX/2023 bill for {$12.00} which was XXXX  out XXXX XXXX. 
Bill XX/XX/2023 saying we can be forgetful send {$12.00} to bring account up to date. 
This is all due to a cancellation of my order as they couldn't send persihables to a po box . I never got any product from them and have been calling, writing to them. I XX/XX/2023 the girl said the account was taken care of and now I have two bills from them.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Money transfer, virtual currency, or money service

I started to use Revolut app about a month ago. Also signed up for premium. 

At first I attempted an exchange and was charged a large fee, so I inquired and was told I was advised to sign up for premium membership. 
Then I attempted another exchange today, I noticed after the transfer that I was charged a large fee ( XXXX $ ) again without any clear notice of the same. This was contrary to what I expected as I was told by customer service to get premium to avoid fees. 

Then when I reach out to customer service, I get an explanation that this was a weekend charge. I did not see a fee displayed prior to the exchange. I attempted to bring up the same screen to see how the exchange makes it clear that there would be a fee. Heres what I discovered - REVOLUT INTENTIONALLY HIDES THE FEES BELOW THE BRIGHT BLUE EXCHANGE CURRENCY BUTTON.

This is clearly intentionally deceptive and fraudulent. I've requested a call from a manager and was told they don't allow speaking with customer service and must rely on chat feature in the app, who are not helpful at all. 

Attached is a picture of your app clearly showing the deception at work. 

Thanks for your attention to resolving this.