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

Around XXXX XXXX  tonight I noticed a transaction on my chime Checking account for " {$150.00} money transfer to XXXX XXXX using the pay anyone feature ''. The transaction was done at XXXX XXXX  on XX/XX/2023. I did not make or authorize this transaction. 
1. At XXXX XXXX  the same day I was at tmobile shopping for an upgrade on my phone. I paid my phone bill while I was there usimg my Chime card. That transaction was at XXXX for {$110.00}. 
2. The XXXX store was very crowded. I had placed my phone on the glass display case for some time while I browsed over the new phones. 
3. I came home around XXXX XXXX  and did not use my card again. The last transaction was at XXXX XXXX..the XXXX phone bill. 
4. I started to pay my bills around XXXX when I noticed the unauthorized transaction to XXXX XXXX . 
5. I immediately locked my account. Then I called Chime to attempt to resolve this issue. 
6. I was routed through 4 different operators whom all spoke very broken XXXX. 
7. I asked if they could lock the unauthorized recievers account. Since the transaction was through Chimes " pay anyome '' peer to peer payment option, Chime has the advantage of having the account information of the person who received the unauthorized payment. They said they could not do that. So I asked them to send a notification to that account. They said they couldn't do that. I asked if they could alert the fraud department that there is a Chime account that is receiving stolen money. They said that wasn't possible. They did assure me that " they understand how I feel '' 5. Chime created a dispute bit told me that since it was a peer to peer payment, I shouldn't expect my money to be refunded to me.. '' Have a XXXX XXXXXXXX and XXXX XXXX XXXX 'XXXX 6. My account clearly shows that I have never used Pay Anyone. I asked if Chime could remove that feature or disable it from my account and they said they couldn't do that. 
7. I was able to submit a money request from the person who received the unauthorized transaction. I requested {$150.00} dollars from XXXX XXXX and was able to send a message with the request. The message was to repay my money and I notified him that I was reporting the transaction. 
8. I will be following up with a police report. 
9. There are no XXXX XXXX on my XXXX  or my XXXX XXXX so I have no associations with a person with that name.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

At the beginning of last year, Fortiva sent me a credit card that I never requested. I didn't activate it since I didn't ask for it, so I just let it expire and thought that was it. Out of nowhere, last month I got an email that I'm getting charged {$27.00} despite me never activating or using the card. I sent an email to the company telling them to close my account but they didn't do it. Now I'm getting charged the same amount this month. 

I don't even know what I'm getting charged for. If this is some annual fee or if I'm getting fraudulently charged. They don't allow you to cancel the credit card or your account from their website. I ended up erasing my bank information from my Fortiva account so they can no longer take money from me. I don't even care about the money they already stole from me, I just want to get rid of them. 

Thank you and I hope you can assist me.
Product: Credit reporting or other personal consumer reports

I want to address my concern about a company improperly using your credit report by buying a debt and sharing your information with a different agency, i want to focus on two main laws : the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

15 USC 16 81 section 6028 states I have the right to privacy 15 USC 16 81 section 6048 section 2 it also states of consumer reporting agency can not furnishing account without my written instruction.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crime, which antedate the report by more than seven years.

15 USC 16 81 section 281 a person shall not furnish any information relating to a consumer to any Consumer reporting agency, if the person knows or has XXXX to believe the information is inaccurate. 

1. Fair Credit Reporting Act ( FCRA ) : - Argue that the company may have violated the FCRA if they accessed your credit report without a permissible purpose.

- Emphasize that debt buying alone doesn't automatically grant permission to access credit reports.

2. Fair Debt Collection Practices Act ( FDCPA ) : - Point out that sharing your personal information with another agency might violate the FDCPA 's restrictions on third-party communications about your debt.

3. Consent and notification : - Highlight that I weren't properly notified about the transfer of your debt or the sharing of your information.

4. Data privacy laws : - Depending on your state, there may be additional data privacy laws that protect your personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to TransUnion 's website to get my free credit report. After viewing my report, I received an email telling me I had subscribed to a $ XXXX credit monitoring service, and my credit card had been billed for {$19.00} twice. I was able to cancel the service online but the customer service number given on the website was not connected to a call center. At no point during the account creation process on TransUnion 's website was I alerted that I would be charged. I never consented to be charged for a credit monitoring service, and I do not want to pay for it or receive the service ; I only wanted to view my credit report, which I am entitled to do for free. I would like a refund of the {$39.00} I have been charged without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Portfolio Recovery Associates multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 XXXX case # XXXX Transunion case # XXXX To Whom it may Concern ; I am contacting you regarding XXXX and Transunion Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to XX/XX/XXXX and Transunion. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/2020, I sent a 609 verification letter to Trans Union. 
Tracking number XXXX XXXX XXXX XXXX XXXX. 
This letter was delivered on XX/XX/XXXX at XXXX I asked that 3 accounts be verified. 


On XX/XX/2020, Trans Union sent me a response saying that the accounts were Verified, but did not say how. In addition, Trans Union did not respond until XX/XX/XXXX. 

On XX/XX/XXXX, I wrote Trans Union a letter ( XXXX XXXX XXXX XXXX XXXX ) delivered XXXX XXXX. Stating that XX/XX/2020, is much beyond the 30 days and that per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts entirely from my report. 
Trans Union did not delete XXXX  XXXX XXXX, XXXX, and XXXX XXXX as required by law. 

On XXXX XXXX I also wrote a separate letter, XXXX XXXX XXXX XXXX XXXX that was also delivered XXXX XXXX that that I made under FCRA 611 ( a ) regarding USBK Court Kansas docket XXXX and USBK Court XXXX Missouri Docket # XXXX. As of today, XX/XX/2020, I have not received any correspondence from Trans Union. This is FAR outside of the 15 days and by law must be permanently deleted.
Product: Money transfer, virtual currency, or money service

I am fiing 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 affective measures to prevent and address fraud on their platform, leving my account vunerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvience and fiancial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO IN XX/XX/XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX   FOR XXXX XXXX IN XX/XX/XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XX/XX/XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSOXX/XX/XXXX FOR XXXX XXXX NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A DAUGHTER ON THE WAY AND JUST GOT ENGAGED. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I asked the Credit Bureau to do a verification of my credit report and they did and stated that everything was accurate. i did a thorough research myself and i found improper inaccuracies on my credit report. 
In accordance with the Fair Credit Reporting my rights and account have been totally violated, according to 15 U.S.C 1681 section A, ( states I have the right to privacy. 15 U.S.C 1681 section 602 A ; ( states consumer reporting agencies can not furnish a account without my written instruction. 
Please check for the inaccuracies in the accounts below. 

XXXX XXXX XXXX XXXX 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: Debt collection

Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call XXXX, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called XXXX and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A WEEK. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. I'M WILLING TO PRESS CHARGES ON XXXX XXXX IF HE IS CAUGHT! 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX & XXXX XXXX XXXX XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX : Account Name : XXXXXXXX XXXX, XXXX ; Account Name XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX. When i received notification from the credit bureaus that a negative account had been posted to my account. 

I explained the process that lead up to my cancelling my account with XXXX  XXXX XXXX and me receive errounoues and incorrect bills. I informed them of my contact with an XXXX XXXX XXXX agent explaining my confusion and dispute on the bills that were sent. As you can also see, the amount of the bills increased significantly, which totally confused me. The agent advised me to not do anything until i received updated information on the account and updated amount that I owed, if anything. That was in XX/XX/XXXX. I never received additional information on the account. I am assuming it was because I was not an active customer. So while I am waiting on information from XXXX XXXX XXXX, apparently my account was passed to a collection agency who reported my account as in collection, while I was in dispute and awaiting correspondency and validation from XXXX XXXX XXXX. I had no choice but to pay this amount today to DCI, the collection agency, because my daughter is trying to get into college with our parent plus and I am battling XXXX, so I didn't have many option. I am please asking you request XXXX XXXX XXXX and Diversied Collection Agents to remove this item from my credit report as I was not given the opportunity or correct information to dispute it. It was incorrectly reported. As you review the order/dates I received the following documents, you can see how confused and upset I was. I made the correct attempts to the company in the required amount of time to dispute the amounts. Reporting this as a collection account as an attempt to hurt me and my family was wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day and can not verify these accounts, under Section 611 ( 5 ) (  A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from XXXX without my knowledge. Please advise!
Product: Debt collection

This Debt has been false reporting on my credit report. This collection of debt I do not owe to this collector. This debt states a credit card with XXXX  XXXX and also it states the address in connection with this card I have never lived there in my life. This debt collector has been asked to prove this contract agreement which i signed with them. Silence has proven i owe no debt at all. They are my credit report causing damage. As you can see I have a 98 percent payment history. Other then student loan which are in good standing, i have no other debts. MIDLAND CREDIT does not have my permission to pursue any debts that i do not owe with me. They have been removed before and yet placed again on my report it must STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute an inquiry in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, Radius Global, to cease all collections. Radius Global was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. Radius Global then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. Over a year has passed since I informed Radius Global, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by Radius Global, while Radius Global 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but Radius Global states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from Radius Global and that must be received first before they can comply. I am attaching documents for review.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I just receive a update from XXXX. They are illegally submitting information to the credit bureau. They said the loan open in XX/XX/year> but are only showing the c/o and not the actually payments supporting me paying all those years on time. According to the FRCA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. And Im also entitled to {$1000.00} per violation. This is my last request before I seek lawyer for lawsuit.