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

This is regarding Chime XXXX XXXX ) Last Friday, I received a notice that I needed to provide a handful of documentation within 5 days, due to another larger source of income that I recently started receiving. I complied and sent it to them within the 5 day period, and they requested more documentation. I explained to them that there was some documentation I was unable to receive that quickly, and they gave me instructions on how to get documentation they would take. They then locked my account on Wednesday, leaving me with absolutely no access to my funds -- mind you, we were a few days away from bills being due ( rent, utilities, credit card payments, FOOD shopping, etc ). 

I have informed them of this and continued to provide the documentation that they have requested. I am on my third or fourth round of sending them the documentation they requested, and yet their most recent request is to send them something that I've already sent. I have explained to them how crucial it is for me to have access to my funds, especially being a father and sole provider for a household. 

Not only are my funds unable to be used, but I can not transfer them at all -- as I have absolutely no access to my online portal due to the lock they imposed. They have no physical locations. So my freshly deposited paycheck is being held hostage by them, even though I have complied and continued to send them the information that they have requested. 

I have already sent them a notice that I will be following up with legal counsel as early as possible next week to sue. I am incredibly disappointed, disheartened, and now regret any time I've ever suggested them to anyone.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$730.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 CRA 'S are wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. 

I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, AND EQUIFAX. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section XXXX - This section requires CRAs to provide consumers with a copy of their credit report upon request.

Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report.

Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports.

Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA.

Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

The inquiries that need to be deleted are : Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX Cred You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Debt collection

I try calling no one has gotten back with me I disputed it over and over. They trying to charge me for something that I have no knowledge of.
Product: Credit reporting

I have supplied the credit agencies several times the appropriate forms to delete XXXX XXXX XXXX from my credit report. I supplied the final disposition of the legal case which states the account should be deleted. Experian responded stating that the agency was unable to remove the account based on the legal disposition. Instead they placed Paid, Closed Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Ongoing Dispute with Experian Regarding Incorrect Personal Information on Consumer Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an ongoing issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite my previous attempts to resolve this matter, the incorrect personal information on my consumer credit report has not been adequately addressed. 

On XX/XX/XXXX, I called Experian requesting that they correct the inaccurate personal information and remove incorrect addresses and names from my credit report. The inaccuracies on my credit report have the potential to negatively impact my creditworthiness and financial standing, which is deeply concerning to me. 

Despite the stipulated period for Experian to investigate and rectify the inaccuracies, the incorrect information has not been removed or corrected as of the date of this letter. I have been monitoring my credit report closely and have seen no changes in the erroneous data, which leads me to believe that my complaint has not been properly addressed. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I believe that the continued reporting of incorrect data by Experian is a violation of my consumer rights, and I request the CFPB 's intervention to resolve this matter promptly. 

I am providing the following details for your reference : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Address ( es ) listed on Experian report : 1. XXXX XXXX XXXX XXXX, XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Name ( s ) listed on Experian report : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX I kindly request that the CFPB investigates this matter on my behalf and ensures that Experian complies with the FCRA by correcting and removing the incorrect information from my credit report. Additionally, I would appreciate regular updates on the progress of this investigation. 

Please find attached copies of my previous correspondence with Experian, which includes proof of my initial dispute and their acknowledgment, as well as any relevant documentation supporting my claims. 

I sincerely hope that the CFPB can assist me in resolving this issue and ensure that my credit report accurately reflects my credit history. Your timely attention to this matter is greatly appreciated. 

Thank you for your assistance and understanding. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is what XXXX last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called XXXX and they won't update balance. I filed a dispute with all three bureaus but XXXX claims my balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, thank you for addressing my concerns. I have tried my best to correct errors on my credit report, through certified mails, they say they have done one thing, yet they are doing the opposite. Everything they are doing is not in conjunction with one another reports when they say they verified. For example equifax stated they verified accounts of my student loans the same time that XXXX verified. XXXX deleted all of those accounts, at least they sent me proof, I checked today and they are still present on my report ( proof will be attached that they said they deleted ). Equifax stated they verified the accounts are correct, I sent them proof of XXXX results, they still have not deleted and therefore by one verifying and deleting, that makes the other dishonest. Also, I provided a Hippa Violation of a Collection agency that sent me information on my treatment without a HIPPA release attached, direct HIPPA violation, I sent to both, nether have remove. Please can you seek corrections of these credit reporting agencies, they are destroying my life. My credit report was a XXXX, XXXX and with the same items, every payment of mines paid on time, nothing late, and now I was just dropped XXXX points today, but before then even more cause my score is now a XXXX, a total destruction of me accomplishing anything. It time to pursue other actions against these reporting Bureaus so for starters again, I am coming to your organization for help. Some of the documented proof is attached, so very much, wanted to send something to have as a reference.These credit reporting agencies sadly to say is targeting certain cultures to ensure they accomplish nothing. I have perfect paying records and according to what they are reporting with the scores they say the computers are giving is as if I pay nothing on time, all my Credit cards are on time, my car payments, my student loans has never been late and is current. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditors have violated my right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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. 

15 U.S Code 1681e- Apersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ). 

The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 

Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact XXXX   XXXX and Equifax in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to Equifax, XXXX and Equifax. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX, XXXX  and Equifax requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to Equifax as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Product: Credit reporting

My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous messages and attmpted to call TRANSUNION to have htem investigate a PAID deorgatory medical bill on my report. they hang up on you and never reply to the comaint on the website. 
XXXX rectified the issue in a few hours XXXX has a unpaid bill on my report that has been paid for in full! 

transunion has a out of the county customer service dept that hangs up on toy when they dont understand the question
Product: Vehicle loan or lease

TD Finance investigation does not match records at all. 
The vehicle was repossessed 1 yr before they are saying. 
They sold the car and Ihave paid over XXXX for the car Everyone in america has been given discounts on loans credit cards and I have to pay over XXXX for a car I don't have I was in hardship of domestic violence at which time someone took my vehicle and your company said i didn't have a repossession however the man took my car and now Im being forced to pay over XXXX dollars for something I don't have I have also requested help for a fasified eviction and none of your complaint departments lawyers or we the people are not helping me. But I help everyone that needs me. Health care and Civil duty for the unemployed... I am an american asking for help from being a victim of domestic violence and I have been lost in the shuffle of paper work and no one cares.
Product: Debt collection

Heres a revised version of your message, polished for clarity and professionalism, while still conveying your urgency and frustration : Ive called Citibank multiple times in the past two days to resolve a debt on my Best Buy credit card. On XX/XX/XXXX, I called at XXXXXXXX XXXX  three times around XXXX XXXX, and again at XXXX XXXX. The day prior, XX/XX/XXXX, I called at XXXX XXXX. 

I was attempting to make a payment of {$220.00} toward a debt I want to settle, but I was told Im unable to make any payment because the account is under internal review. I asked to speak with someone from that department but was informed theres no one I can speak to. When I requested more information, I was told none could be provided at this time. 

On XX/XX/XXXX at XXXXXXXX XXXX, I even went to a Best Buy location to try to make a payment in person, but my credit card and account information couldnt be found in their system.

This situation is deeply frustrating. Im urgently trying to settle this matter due to a pending job opportunity with the Federal Bureau of Prisons, and today is my deadline. I can not afford to wait another month for an undefined review process. With no clear information or timeline, Im left unsure if this is even my debt, and I feel completely stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/18 Personal Information as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX is correct all other of this address should be deleted/ removed and there should be no 2 same address showing. It seems Experian does this every other month putting or creation information not correct on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has sent me more than 3 times in writing that a item cis information was deleted. I have attempted more than 20 times to have it removed with a incorrect address. The address updated recently after a threat to the XXXX. The inquiry still remains even tho they claim its been deleted. They apologise over the phone every sentence but the information remains in there data bass and on there web site page showing the information remains
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with getting TransUnion to remove an illegal account from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states that a lender must hold a valid license to offer loan products in the state and any loan contracted or received, wherever made, without a license is INVALID and UNENFORCEABLE under the law. It has been validated by the FL Department of Business Regulation and the FL Attorney General that XXXX XXXX does NOT hold a license to offer loan products in Florida. 

I have disputed this tradeline with TransUnion multiple times and provided all legal information, yet they refuse to remove it. Each time I am told that they have " Validated the debt with the creditor '' which is simply not possible as I have also requested this from the creditor and was told they can not validate as the account has been sold elsewhere. When I asked for evidence of their legal ability to offer loans in FL I received the attached response which validates nothing. Just another refusal to validate. I have asked repeatedly for TransUnion to verify the legality of the account and they simply close the dispute with no investigation. This account is illegal and TransUnion continuing to report it is a violation of the Fair Credit Reporting Act. 

The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion remains the only CRA that has not removed this tradeline. They must remove it or remain in violation of the FCRA.
Product: Vehicle loan or lease

I was 3 months behind and the loan was charged off on my account in XXXX of XXXX. Some lady who worked with the company called me literally everyday from sun up to sun down leaving me quite a few messages. Shortly after that is when I saw they reported a charge off on my credit. I was still in possession of the car for an additional 6 months after. I attempted to make a payment anyway but couldn't and the called to only be given the run around on who I needed to contact. I emailed them telling them where I was located and that they could come get the car. After a few more months go by, the car is no longer sitting outside my house. While of this is going on they were still reporting charge offs on my account. They just reported a charge off again in XXXX of XXXX. I contacted them several times to ask if they could removed it from my report. to my knowledge, if they reported a charge off then that means they received a XXXX and is considered taxable income. That means they are reporting income on my credit report. They were paid for it but they never sent me a XXXX At the time I had just got the car in XXXX of XXXX. I paid in XXXX of XXXX. I lost my job but was finally starting a new one. Again I became 3 months behind and then they charged it off my account immediately. The amount was {$10000.00}. They are trying to prevent me from being able to get another loan or any source of credit and its working. I've been turned down jobs and housing because of it.
Product: Payday loan, title loan, or personal loan

I paid the remaining outstanding balance on my CashNetUSA line of credit and requested that the account be closed permanently. 

The company refused stating that it could not be closed due to auditing purposes. I asked for my line of credit to be reduced to XXXX, they refused for the same reasons. The fact that they refuse to close my account is making it difficult for me to close on a home due to underwriters requiring that this account be closed. 

I feel this is both predatory as it is an attempt to trap me with this inferior credit product. Also, a company can not keep an account open for me for any reason when I have no further debt to them - this is also unlawful. 

The account does not need to remain open to satisfy auditing purposes - this was a blatant lie as well as a ridiculously absurd claim. I requested for the account to be closed with my credit line cancelled immediately and to receive written notification thereof, and CashNetUSA refused. 

Please help because as I stated earlier, this account is holding up the underwriting on closing my home loan. 

Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

I terminated my services with XXXX XXXX XXXX on XX/XX/XXXX and I owed them {$370.00}. They continued to charge me and send me a bill for XX/XX/XXXX and XX/XX/XXXX and when I contacted them and told them I terminated my services on XX/XX/XXXX they said sorry XXXX XXXX you are correct we will straighten the final bill out. But they didn't they kept sending me a bill for XXXX.After that they send it to a collection agency and I tell them that's the wrong amount and dispute it in writing But XXXX XXXX XXXX   comes back with the same amount. So I contact XXXX XXXX XXXX by phone twice the last time being XX/XX/XXXX and I talked to XXXX and she said the correct amount was {$370.00} and that she would talk to her manager and get her to sign off on the right amount and send it in the mail to me. They never sent the paper work, I've disputed this bill twice and with no resolve. I tell the collectors I agree to pay what I owe but not when it's the wrong amount and each time I dispute the claim the company don't respond back to me within 30 days. I feel this should be removed off my credit report because they are not reporting the true amount and not responding like the should. I have no trouble paying the correct amount when they give it to me in writing but I truly believe it also should be removed from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Ive contacted Transunion serval times over the past year I was told the information listed on my credit file was mix with another person and would be removed immediately they lied to several times no correction done I need these accounts to be removed immediately accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive filed ftc reports and everything theyve asked of me and more but they fell to honor my request as if they dont care when it truly a mistake on theyre part fix it