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

I have had chime for 8 months I been getting direct deposits all this time then on XX/XX/20 my account was closed soon as I got paid XXXX I was in negative XXXX dollars they took my whole check I called chime they told me my account was not in compliance with there policy they wanted a explanation to ATM withdrawal I explained to them they told me to show proof of address picture of my social security card pay stubs i also took a picture with me holding my ID they got all these documents and told me I could not get my money they took all my money I sent them these documents more then once chime keep saying I'm not eligible for a refund I don't understand why when i sent them everything I been broke this whole time since this issue happened I have XXXX kids i been backed up on my bills my rent was due on this day when I got paid and they took all I had I'm a single parent all I want is what's owed to me the money I worked for I have been waiting all this time for my money I couldn't buy my kids no gifts because they closed my account soon as I got paid I will appreciate if you could help me get my hard working money back thank you.
Product: Credit card

I was approved for a {$300.00} cl with Capitol One in XXXX 2015. In XXXX after spending {$100.00} an abusive ex stole my wallet and charged my Credit {$65.00}. I called Capitol One and explained the situation. They said because my Card and Wallet had been returned i was responsible for it. I also complained to the rep that my {$300.00} credit was actually only {$190.00} but my bill was {$350.00}! {$150.00} of it was yearly fees, membership fees and late fees! I explained a few times i was late because of the theft and I had been hospitalized several times from XXXX for XXXX in XXXX. I explained a few times when calling representatives my dilemmas in paying late and that the whole reason i even got the card was to build my credit not make it worse. So in XXXX the representative said they would enter into a hardship payment plan contract with me. When i got the contract in the mail i could not log into my account because they turned me into collections THE DAY BEFORE I just received the paper work! So now this is on my credit report which took me from a XXXX to {$490.00} for that XXXX little fraudulent collection! I opened the card XXXX 2015, on my credit report it says i was late 6 months then says XXXX and XXXX was ok but was late XXXX and closed XXXX.Thats only 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
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 XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX & XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " DT CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " DT CREDIT '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to DT CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested DT CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

DT CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " DT CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description is simple sometime during the month of XXXX of XXXX I received a message from one of the credit reporting agencies. I had a new collection on my credit report. When I checked the credit report I noticed a company called snap finance had sent an account to collections. I contacted snap finance company and inform them that I did not have an account with their company. I asked snap to send me information about this account or remove the account from the credit report I was informed that I would have to contact the collection agency who has the account I emailed both companies informing them the account does not belong to me.
Product: Checking or savings account

I am not getting no ssi check can your mail me a letter cause I need to pay my rent.
Product: Credit card

Someone stole my identity and use my name for a credit card and its showing on credit report and bringing my score down and i m getting harrassed by these company.I would like to get it remove off.account # XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have a Coinbase wallet account, where I had my XXXX  stored for more than a year, of approx XXXX $ in current value. I was randomly signed out of the account and was told the only way I can sign in would be to enter a " 12-word phrase '', which I never remember getting while making the account. I talked to their Customer Care and they basically said they can not help me ad my money is gone. I went online and saw that many similar incidents have occurred to their other customers. I think its absolutely ridiculous tat I have been locked out of my own money and they are frauding the people like this out here in the open. I have the receipts of transferring the XXXX  from their own Coinbase app to the Coinbase wallet.
Product: Debt collection

I received a copy of my credit report noticed XXXX XXXX XXXX account which is not mine. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has no valid proof Ive never done business with them I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting

I recently tried to get my credit report through Experian. I put in all of my identifying information and followed the additional questions to help narrow down the selection. When I was given the report, it was actually for someone else entirely. It had none of my accounts or information. I called Experian customer service and they told me it was likely that I had keyed in my social security number incorrectly. My concern is that if I could get someone else 's report just by incorrectly keying in my social security number, surely someone could get anyone else 's credit history. In addition, what is the purpose of all of the additional identifying questions if their algorithm is so weak that it will give an incorrect report based on one incorrect component? What is to stop someone from blindly putting in information to get a random credit history? How can Experian justify the ridiculous tactics they use to lock people into paying for their service if it is so embarrassingly poor? I asked to receive a call back from a manager at Experian, but have received no call back.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE or CORRECT all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be CORRECTED or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Inquiry
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permission purpose. I also attached evidence XXXX XXXX XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I FOUND FRAUDULENT ACTIVITY ON MY CREDIT REPORT I GOT TWO HARD INQUIRES THAT DOESN'T BELONGS TO ME COMPANY NAME : XXXXXXXX XXXX XXXX DATES : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE DON'T BELONGS TO ME
Product: Debt collection

I'm incredibly frustrated with Experian. Despite my efforts to dispute items unknown to me, Experian claim not to have initiated any disputes on my behalf due to alleged fraud or high risk associated with the provided documents. This seems absurd, and I question how they verified these claims. I'm aware of the consequences outlined in FCRA Section 619 for obtaining information under false pretenses, and I've taken precautions to avoid sharing my documentation elsewhere to prevent fraud. Additionally, according to FCRA 611 ( a ) ( 3 ), a consumer reporting agency can terminate a reinvestigation if they find the dispute frivolous but must notify me promptly. FCRA 617 emphasizes civil liability for negligent noncompliance, providing legal recourse for damages and attorney 's fees. I seek your assistance as a consumer to correct my credit file for my creditworthiness, standing, and capacity, crucial for securing my rights and financial freedom that has been damaged. Here is a list of items unknown to me that require attention : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$89.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to let me manage my own information. I have submitted disputes that were approved and had accounts fall off of my account. At a later time they have added these accounts back to my credit report after found to be fraudulent/and or following policies that are against the law. 

Now they have stated they have a system issue which has been ongoing for 7 months which is there excuse for why I can not login to myequifax. I have been told this about a half a dozen times and promised they would fix this and make it right. 

They have repeatedly made promises to me that have been nothing but lies such as when accounts were to fall off my credit report, ( stated automatically after 10 years an account would fall off, I have accounts over 11 years old they refuse to remove ), and have since PROMISED they would get the issue fixed as to why I can not login and submit disputes via my equifax. 

I do not think it is right for a company like equifax to manage a file on someone that they have no control over. There stance is if I don't like information they have on file for me to take it up with the company reporting to them. It's my life and should be mine to manage, not a credit reporting agency who profits over doing nothing but causing headache and pain for consumers.
Product: Credit reporting

I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on XXXX occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on XXXX occasion. On XXXX other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately.
Product: Debt collection

I XXXX XXXX XXXX enter into a collection contract with XXXX, with XXXX XXXX. File number # XXXX. I paid the car off through XXXX. XXXX, never reported the agreement with the 3 Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like XXXX took my money and never told Westlake Financial that I made the final payments to XXXX XXXX XXXX My credit score is tanking due to XXXX. I called Westlake Financial they seem to know nothing about XXXX collection agency. Westlake Financial still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by Westlake financial and XXXX collection agency. 

Westlake Financial account number XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Company did n't provide written notification of this debt or right to dispute. I called on XX/XX/2017 after a leasing agent said that this debt showed up on my credit as a broken lease despite written notice provided 6 months prior to move out to original property owner. When contacting IQ, a rude agent named XXXX and his even ruder " supervisor '' XXXX refused to furnish any information in writing regarding the debt and declined to make settlement for speedy resolution. XXXX then tried to extort a larger payment by saying that only paying a higher amount would be deleted from the credit report, despite the fact that the negative information should n't have been put on my credit report to begin with.
Product: Credit card or prepaid card

Back in 2016, I discovered my son 's father had being using my credit card and putting it back into my wallet. I had no idea about the transaction until I went to make a purchase and the card was declined at a store. I contacted Capital One and told them those purchase were not mine and that it was a possibility that based on the type of charge and the time that my former boyfriend was using my card. During that time those purchases were made I was at work and there is no way that I could make those purchases. They told me I couldn't dispute any of the charges, because I knew the person who did it. Then they took me to court to sue me causing the bank to freeze all of my bank accounts. I finally got my accounts unfrozen, but this is a permanent stain on my credit report. Is there anything I can do about this?