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

Chime Banking is offering a referral service if you refer a friend or family using a link that you send them. Each person get monetary value deposit into there account. After, the person has completed a {$200.00} deposit. However, I can and spoke with a Chime Representative and they explained that each would only a {$100.00} instead myself who referred was supposed to get {$170.00}. So, today XXXX XXXX, I called again to see about my bonus, the Representative that I spoke with today was rude and voice was unclear, I asked to speak with a supervisor and they were horrible. Now, the thing is they are saying that the deposit should have been made in 45 days, what? They asking you to send this link for bonus money, and they never give you the money. They found a cause to get out of it. Unethical practices. I'm asking for my bonus payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to obtain services. I cleared the fraud with the company but the information is back on my credit report with 1 ) the name and address on XXXX XXXX used to steal services and 2 ) the collection companies, which worked for XXXX XXXX and were marked as fraud by the companies, are back on my credit report. 

I contacted Experian and the fraudulent information was only off my record for about 3 weeks. The next time I checked the identity and collection information was on the report again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( 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 fraud 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 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Transunion XXXX XXXX XXXX which inaccurately list this account as collection or charge off. the report opening date XXXX XXXX XXXX XXXX XXXX XXXX XXXX possess no evidence of a late payment
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was alerted that my credit had been pulled and several accounts opened credit accounts and bank accounts had been opened. I called all of them. I was told that an address was added to my credit bureau in XXXX Fl. I have never lived in XXXX FL. 

The accounts were with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All agreed to close the accounts. The XXXX rep placed an alert on my bureaus. I was told the fraudulent address was removed. 

The alert on the bureaus lasted one year. I went online to follow up and make sure all bureaus were frozen. Experian still had the XXXX Fl address in their records. And I was not able to go onto their system to correct it because their records have the fraudsters info rather than mine. Then I tried to call but I could not get past their XXXX which would not transfer me to a person. This year someone tried to get another credit card with XXXX XXXX again using the XXXX Fl address. 

I dont know any other way to get this corrected. You cant expect me to fix this on my own, They are choosing to keep incorrect information in their database and then choosing to profit from selling that info to a bank who profits from giving a credit card to someone who is trying to sell my identity.
Product: Credit reporting or other personal consumer reports

I contacted Bank of America in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with Bank of America, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked Bank of America to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) Bank of America has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my Bank of America checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/2020. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with XXXX and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, XXXX has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found. 

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like XXXX, XXXX provide accurate information to the credit bureaus and to correct any inaccuracies once identified. 

Given the clear discrepancies between XXXX  reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for XXXX to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

Sincerely, XXXX XXXX
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, 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 proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX  XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX  XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account # XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXXXXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX 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 : 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 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 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 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 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/ppc did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.
Product: Credit reporting or other personal consumer reports

After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX negative reports for one payment that wasn't late
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX  Balance {$850.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Product: Debt collection

I received notification of settlement to resolve a debt from IC System. On XX/XX/2020 I went online, entered the reference # XXXX noted on the offer and paid the amount offered to resolve the debt. ( XXXX toward a principal of XXXX ) A few days later I followed up online and the debt did not reflect my payment. I called customer service and assured them the payment cleared my account and gave them the confirmation # I received upon payment. After a moment, the representative stated the payment was applied to a different account. An account to which I had no knowledge. The account to which the payment was applied had time-barred debt. I believe the company knowingly mis-applied the payment in order to reset the statute of limitations on the old debt I was not aware of, in order to hold me liable for set time-barred account.
Product: Credit reporting

I have contacted Equifax servel times regarding the Inquiries that I did n't authorize all I keep doing is telling me to contact the companies and when I contact the companies they can I find inquiry at the 1 year
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are 0 XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of 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.
Product: Credit card or prepaid card

XXXX got a loan threw sofi lending corporation, to go see my wife in the XXXX. XXXX tried to use my debit card it was declined I called my back was told that sofi took XXXX out of my bank, I then called sofi to ask why no help. I called again they said I also had a credit card account. I told sofi I just have a loan no credit card I ask for my money back they said they have to investigate, I waited 20 days nothing was done no emails answered nothing I called XXXX XXXX Bank and disputed they said we have to close your account do to fraud, I had a XXXX XXXX got out of the hospital and still no help from sofi I also list my job because sofi depleted my account and no funds to get home. I tried to pay my loan payment with them with a credit card they said only debit cards or bank transfer, again the bank closed my account so sofi reported me late, I got home got currant and they still did nothing about that credit card that was opened in my name. I tried to dispute with all three credit burrows I froze my reports. I again tried to resolve this with sofi nothing
Product: Mortgage

For at least three times since XX/XX/XXXX and as requested by my lender First Key Mortgage, LLC XXXX, XXXX C/0 XXXX XXXX XXXX XXXX XXXX ( XXXX ), I had already faxed and downloaded ( into lender 's website ) proof insurance policy covering the improvements and betterments within my townhouse unit as confirmed several times by lender representatives on the phone and by fax receipts ( see attachment for verification ). But they kept sending me letters saying I did not provide proof of coverage and force me to buy their insurance by setting up an impound/escrow account for my loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX with a balance of {$4100.00} XXXX XXXXXXXX with a balance of {$0.00} XXXX with a balance of & XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX with a balance of {$720.00} XXXXXXXX XXXX XXXX  with a balance of {$150.00} XXXXXXXX XXXX with a balance of {$860.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I noticed XXXX on my credit report and called them to pay an alleged debt so that it would not negatively affect my credit. Upon calling I was informed the debt was transferred to XXXX. The debt reporting on my credit report is {$260.00}. Upon calling XXXX to resolve and pay I was informed that an additional collection fee of {$27.00} was added in which I did not agree to and do not agree to pay. I asked XXXX XXXX XXXX supervisor ) to remove the fee and was denied. I do not owe the additional fee and should not be obligated to pay this amount or have it negatively affect my credit due to my refusal to pay a company whom I legally do not owe.