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

Acima Credit has reported to credit bureaus that I owe them over {$2000.00} for a mattress set, purchased in XXXX of 2018. This is incorrect. I wished to return the product due to the companys dishonesty in business. I was advised through email that they could not take the mattress set back, however I could donate it to charity and provide Acima Credit as the donators and the issue would be resolved. Acima credit told me to get a copy of the donation receipt and email it to them which I did and I was emailed back and advised that the issue was resolved and I no longer owed them for the mattress set. Now I am seeing this debt in my credit report and it is not right.
Product: Credit reporting or other personal consumer reports

To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : TransUnion, XXXX and XXXX. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my Transunion credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with Transunion and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

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

I have attached letters of accounts that are reporting incorrectly and inquiries I did not authorize
Product: Debt collection

On XX/XX/2020, XXXX XXXX filed a collection bill with Sequium Asset Solutions. The collection for {$460.00} showed up on my credit report on XX/XX/2020 and my score significantly dropped. Since I have never opened up an account with XXXX XXXX, I was concerned. After making a few phone calls, it appears that XXXX opened the account without a social security number. Since I have a very common name, and lived in the general vicinity of the person who accrued this debt, Sequium associated the debt with me somehow. We do not share the same middle name or any address, so I'm not sure how it appeared on my credit report. I have filed investigations with XXXX and Sequium, but this is completely out of their scope. I suffer because they did not find or attempt to contact the original person in debt to XXXX.
Product: Checking or savings account

My tax refund was deposited into someone else 's account, I contacted the IRS they said if the account does not have my name on it the bank is supposed to return the deposit however that was not done. IRS said the bank will need to return the deposit. Chase bank stated that my name is on the deposit however they can not return the deposit because it went into an open and active checking account. It has now been two months, Chase still says there is nothing they can do. The IRS stated they submitted a reclamation however Chase has not returned the funds. I've had a few NSF charges due to my missing deposit but Chase will not assist in any form or manner.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT I HAD A LOT OF UNAUTHORIZED INQUIRIES REPORTING. I REACHED OUT TO THE CREDIT BUREAU AND HAVE NOT RECEIVED A RESPONSE.
Product: Debt collection

I was notified by XXXX XXXX, XXXX on XX/XX/2019, regarding an alleged debt. In which I responded in writing within 30 days requesting the following information : The amount of the alleged debt. 
The full name and mailing address of the original creditor for this alleged debt. 
Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Documentation showing you are licensed to collect debts in Maryland. 

XXXX XXXX, XXXX never responded to my written request and continued to seek payment in XX/XX/2019. At that time I called XXXX and spoke with XXXX XXXX who confirmed that my letter was received and documented in their system. Moving forward to present day XXXX has sold the debt to FBCS , Inc who is now trying to collect on the same debt.
Product: Checking or savings account

I opened a citi bank savings account using a {$450.00} bank bonus offer that was targeted to me on XX/XX/XXXX and made a deposit of XXXX within 20 days by XX/XX/XXXX as per the conditions of the offer. Per the conditions of the offer, I kept XXXX in the account for 60 days which ends on XX/XX/XXXX. Per the conditions, I should have received {$450.00} bonus by XX/XX/XXXX. I contacted the customer care after XX/XX/XXXX and they told me that I have completed all the conditions of the offer and should be getting the bonus. He raised a ticket for it as well. When I contacted them again in a weeks time, i was told that the savings account i opened was not eligible for the offer. This seems to be some kind of scam to fraud customers with the bonus. I used the link provided by the bank on my app to open the account. How can my account is not eligible?
Product: Checking or savings account

On XX/XX/2023, my Chime XXXX XXXX card was fraudulently charged twice in the amount of {$210.00} at the merchant " XXXX* ''. I have never authorized this merchant to charge my account, and the charges are both fraudulent and unauthorized. Upon learning of the transactions that same day, I immediately contacted Chime to cancel my debit card and issue a new one, as well as file a dispute ; I was initially told that I had to wait to file a dispute until after the transactions were no longer in pending status, which I did. After the transactions posted, I immediately contacted Chime to file a formal fraud dispute against the transactions, and expected a credit in the amount of {$430.00}. The following day, Chime notified me that they finished investigating my dispute and denied credit, stating that the transactions were authorized by me, which they were NOT. XXXX covers cardholders from unauthorized and fraudulent transactions, but Chime is choosing to simply deny the claim without truly investigating or issuing a chargeback. I am in dire need of the {$430.00} refund, and I am unable to pay my rent due to Chime 's negligence and failure to investigate. I submitted a rebuttal to Chime and never received a response. It is truly concerning that my money is not safe at Chime and Chime should be investigated by the government as I am told this happens to thousands of Chime members across the country.
Product: Money transfer, virtual currency, or money service

We are an XXXX XXXX  and recently added PayPal to our site as a payment option. Within days we had over {$15000.00} of sales. Paypal put the entire amount on " hold : for supposed security concerns. We complied with all of their requests for information, e.g. shipping labels, receipts from our suppliers, ID etc. They started to release some of our funds after 7 days but continue to " hold '' new transactions. Currently they are using over {$5000.00} of our money. We made numerous attempts to contact PayPal by phone and were disconnected. None of our Help " messages '' were answered. PayPal is clearly taking the float on our money. Please let us know if there is any official action you can take on our behalf.
Product: Credit card or prepaid card

In 2020, I opened a secured credit card account with Navy Federal Credit Union. One of the perks for the card, was to establish credit/repair ones credit. Provided the following is met : keep account in good standing, pay on time/ no late payments, have at least {$60.00} dollars on the card by 19th of the month, before account is reported to all ( XXXX ) three credit bureaus. And because I have XXXX checking accounts, I would transfer every ( XXXX ) weeks, money to my credit card from my checking account to pay my credit card. I have never been late I find it real strange, that its going on ( XXXX ) two years that Ive met ALL of these requirements. Plus, when I opened this account. I had No credit cards. Ive sense obtained ( XXXX ) XXXX credit cards, due to my good history with Navy Federal reporting to all ( XXXX ) three credit bureaus. 
Ive contacted Navy Federal, about this situation several times. They couldnt give me an answer. However, ( on one of my calls to customer service complaining about this problem ) one customer service person said, she had in countered such a problem like mines before. She said, the customer applied for a regular credit card and was approved. Why, should I do that?? I would like to cancel this account. But, it would get me a negative mark on my credit report. I hope you can help. XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts is in litigation and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Inaccurate addresses and along with my name
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there are fraudulent accounts and unauthorized Inquries on my credit report. I would like these accounts removed immediately. Fraudulent accounts 1. XXXX XXXX XX/XX/year>. these are the unauthorized inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I applied for the loan with Unlock WealthXXXX. To be approved I had to pay {$2500.00}. I paid the funds in XX/XX/2021 and was told that the loan payments would begin in 4 weeks. Months passed and I never received the loan. I requested a refund of my {$2500.00} and was told it was processing, but never received it after numerous emails. They do not have a phone number and has turned off the ability to comment on Social Media. I reached out to my bank ( XXXX  ) but was told too much time had passed to dispute it through them. I have never received the loan OR the return of my {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair or correct the account listed below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and TransUnion, two of the major credit reporting agencies, for their failure to accurately report my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute incorrect bankruptcy information listed on my credit reports provided by XXXX and TransUnion, both agencies have unjustly verified this information, directly impacting my ability to secure loans, credit lines, housing, and employment opportunities. 

According to my understanding, the FCRA mandates consumer reporting agencies to ensure the maximum possible accuracy of the information included in consumer credit reports. It also requires these agencies to conduct a thorough investigation of any disputed information upon receipt of a dispute from a consumer. Unfortunately, XXXX and TransUnion have failed to uphold these obligations. 

Furthermore, I have confirmed with the bankruptcy court in Virginia that they did not furnish my bankruptcy information to any credit bureaus, raising serious concerns about the source and verification process employed by XXXX and TransUnion. XXXX, another major credit reporting agency, does not report any bankruptcy information on my credit report, indicating a discrepancy in reporting and a failure by XXXX and TransUnion to assure maximum possible accuracy as required by law. 

I respectfully request the CFPB to intervene and ensure that XXXX and TransUnion adhere to the FCRA by conducting a proper investigation into my dispute and removing the inaccurately reported bankruptcy information from my credit reports immediately. The persistence of this incorrect information infringes on my rights and hinders my financial well-being.
Product: Debt collection

I received court documents " memorandum of costs after judgment, acknowledgment of credt and declaration of accurred interest '' from Midland Funding LLC dated XXXX XXXX. I contacted Midland on XX/XX/XXXX and paid the full amount of {$1100.00}. I recevied a " settlement arrangement complete '' letter from Midland dated XX/XX/XXXX. 

Today ( XXXX XXXX ), I received a " Notice of Wage Garnishment '' from Midland. The same court case number from the above paid account is the same. After paying this account in full and receiving a settled letter from Midland, the company still pursued a wage garnishment violating FDCPA.
Product: Credit reporting or other personal consumer reports

I am filling a complaint with Equifax for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions Equifax consistently respond within 24 hour that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding file number.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Google pay will not reverse a transfer from my bank account for a transfer i have never received. And now they claim my bank account has " been disconnected '' from my account even though it hasnt. Every time i contact support im directed to a XXXX XXXX XXXXXXXX that barely speaks english
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a very difficult time getting feedback from this credit agency. I have sent in the needed items, such as copies of driver license, birth certificate and current utility bill, to verify the items on the credit report are inaccurate. TransUnion is verifying items with personal information that is incorrect, which means it should not be on the credit report. This has caused my family and I great duress. I have gotten denied for housing, paying higher fees due to this inaccurate information. 

The Fair Credit Reporting Act, under 15 U.S.C. Sec. 1681i ( a ), TransUnion has failed to investigate and verify these items within 30 days. To also prove there was an investigation performed and just wrote of as an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Card reported activity on the credit card for the months of XXXX and XXXX with XXXX. However they did not report the activity during the months of XXXX and XXXX to XXXX. Because of this there are 2 months that are missing from my usage total
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below and to request its immediate removal from my credit reports. The account in question is with American Express ( AMEX ) and is being reported by the three major credit bureaus as follows : Account Number : XXXX Credit Reporting Agencies XXXX XXXX XXXX XXXX, XXXX Grounds for Dispute Upon reviewing my credit report, I identified several errors and violations of the Fair Credit Reporting Act ( FCRA ) that substantiate my request for removal : Inconsistent Reporting : The " High Credit '' amount is reported inconsistently across the bureaus, with XXXX showing {$1400.00}, XXXX showing {$0.00}, and XXXX showing {$1000.00}. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting. 
Missing Information : The " Account Type - Detail '' for XXXX is missing, indicating a lack of thoroughness in reporting. All bureaus must provide complete and accurate information. 
Incorrect Account Status : The account is reported as " Collection/Chargeoff '' with a balance of {$1400.00}, but if this account has been settled or closed, this indicates an inaccurate reporting that violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Discrepancies in Payment Information : The " Date of Last Payment '' is inconsistently reported across the bureaus, with some entries missing. This lack of uniformity violates the FCRA 's requirements for accurate information. 
Potentially Misleading Comments : Comments like " Charged off as bad debt '' and " Canceled by credit grantor '' are misleading without context and may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits misleading information.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of 30-Day Late Payment Due to Nationally Declared Disaster Dear Sir/Madam, I hope this letter finds you well. I am writing to humbly request your assistance regarding a financial hardship that occurred during the nationally declared disaster in XXXX, which I addressed with Experian. My intention is to seek your understanding and compassion in addressing a 30-day late payment that has continued to cause a significant financial burden. 

During the declared disaster in XXXX, our household was severely impacted by the COVID-19 pandemic. Several members of my family, including myself, XXXX XXXX XXXX, which led to an inability to work and maintain regular income. As a result, despite our consistent efforts to manage our finances responsibly, we fell behind on one bill payment during this challenging time. 

The 30-day late payment, which occurred during this period of extreme hardship, was an isolated incident in an otherwise impeccable payment history. The account in question has since been paid off, and I have continued to uphold responsible credit practices. However, this single late payment has had a lasting negative impact on my credit report, affecting my ability to secure financial stability for my family. 

I am appealing to your sense of fairness and humanity to consider the extraordinary circumstances that led to this oversight. The COVID-19 pandemic was a time of unprecedented struggle for many, and I believe that showing compassion and understanding in such situations aligns with the principles of the Consumer Financial Protection Bureau . 

I kindly request the removal of the 30-day late payment from my credit report as a gesture of goodwill and recognition of the hardships faced during the nationally declared disaster. This adjustment would not only alleviate the ongoing financial burden but also allow my family and me to move forward from a time we would prefer to leave behind. 

Thank you for considering my request. I sincerely hope for a favorable resolution and am willing to provide any additional information or documentation that may be required. 

Yours faithfully, XXXX XXXX
Product: Debt collection

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX Bank Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.