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

I use a bank online called chime. I used my chime card to make a purchase online on XX/XX/2020 for {$73.00} for one item. I received the confirmation for the one item but I notice that my card was charged twice when my statement came up on my phone one was for XXXX XXXX and XXXX XXXX both from this same company on the XXXX for the same amount. I called the merchant they only see one order in there system but the bank sees 2 orders both for {$73.00}. The bank says it's still pending as of today the XXXX th. But the merchant is still saying there's nothing in there system for this 2nd charge. I look up reviews for chime because I just start using them and I'm not the only one with this issue it's clearly the chime bank who's stealing our money. They won't dispute it saying it's pending.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I saw those inaccurate fraud accounts that shall delete from my credit report. 

I spoke to the fraud team and the manager told me that those XXXX XXXX XXXX XXXX SHALL DELETE AND HAS BEEN FLAGGED AS FRAUD BY XXXX.
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the XX/XX/XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XX/XX/XXXXbalance {$25000.00}, XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$12000.00}.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT, PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, ITS HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that i have maintained a high balance history on XXXX credit cards. I have attempted to dispute this, they all about 1 day to " investigate '' and sent me a letter saying this information is accurate. This is a lie. At this point they are intentionally lying about my credit history causing damage to my score. I attempt to log back into their site today to again dispute their information and i am prevented from doing so. They made no attempt to contact the credit card companies to verify the information the simply decided its true. 

They report I have a balance of over XXXX on my XXXX XXXX card and have had that balance since at least XXXX XXXX XXXX. This is a lie and can be verified by the credit card company. I have paid off my balance in full each month i had the card and carry a 0 balance now and always yet Exquifax says i have a current balance of over XXXX. And they refused to remove this from my credit report. I called the card company myself and they have never reported me having a balance of XXXX at any time. 

Equifax also reports that I have maintained a high balance on a XXXX XXXX  XXXX credit card for years as well, this is also a lie. I havent even used that card in years. And I had always paid my balance in full each month when i did use it. Equifax could have contacted them to confirm this and they did not. They simply claim the information is accurate, which is a lie. I have to say lie because they will not produce any information to back this up and the credit card company reports a 0 balance since XXXX. They are deliberly falsely reporting my credit history. Their own credit report shows no activity on this account in the time they are reporting a high balance. 

And try calling Equifax to clear this up? Yeh they make sure that is not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on trans union and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter.

Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report.

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of XXXX XXXX and who i trusted with the information that was given to me. I did end up getting the XXXX  computer at a later date which was my intention i send a copy of the receipt.

It would benefit both the company and the customer best interest if XXXX XXXX could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit XXXX XXXX when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with XXXX XXXX any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made.

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as XXXX XXXX could fulfill the request of their customer and to rebuild that relationship with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone been applying for plenty places on my credit I havent had a chance to use my own credit
Product: Debt collection

I am writing to formally file a complaint regarding inaccuracies in my credit report and issues with debt validation. My situation involves duplicate entries and improper debt reporting, which I believe violate federal and California consumer protection laws.

Details of the Complaint : 1. Duplicate Entries : My credit report shows two separate entries for the same debt : - XXXX XXXX : {$350.00} - XXXX XXXX XXXX XXXX  : {$350.00} Under the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. The FCRA requires that once a debt is sold to a collection agency, the original creditor should not continue reporting the same debt. 

2. Lack of Debt Validation : I have disputed this issue with XXXX but have not received a resolution. Additionally, " XXXX XXXX XXXX XXXX XXXX' has not provided valid documentation proving that I owe the debt or that they have the right to collect it. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide proof of the debt upon request. 

3. Failure to Resolve Dispute : Despite my dispute and requests for validation, XXXX has not corrected the inaccuracies. Furthermore, XXXX XXXX has not updated their status to indicate the debt was sold or transferred. 

Relevant California Laws : - California Consumer Credit Reporting Agencies Act ( CCCRAA ) : Requires accurate credit reporting and proper handling of disputes. 
- California Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from unfair debt collection practices, including the need for debt validation. 
Attached are screenshots of my credit report, dispute correspondence, and any relevant documentation supporting my claims. I appreciate your prompt attention to this matter and request assistance in resolving these issues in accordance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach XXXX as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/21 and XX/XX/21, and have received no response providing validation. I would like the account removed from all XXXX credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed ; It has been well over 30 days.
Product: Debt collection

A XXXX XXXX from the Central portfolio control has been calling from an 800 number trying to collect {$1400.00} for a rental property from my son and I. We noticed this when my son tried to open a credit card and he was unable to because of a debt. The XXXX ( the rental property ) which we left in good standing, sold to another company and uses XXXX XXXX XXXX told us they do not have any details of the XXXX rental. I believe this is a scam to collect money that we do not owe! The debit collector who identified as XXXX XXXX, XXXX, like money as he said insisted that we pay the amount of {$1400.00} so my sons and my record of owing a debt will be cleared. He did not, and no one has provided us with any written communication via XXXX or email of this so called debt. I need to clear this mess and have been directed to you by my bank XXXX.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

I am fortunate to be a survivor of debt bondage, a form of XXXX XXXX  that coerced me into accumulating debts. Unfortunately, this has resulted in derogatory marks on my credit report. I am currently receiving invaluable assistance from a representative at the XXXX XXXX, an organization devoted to aiding XXXX XXXX XXXX Together, we are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX  upon the filing of an official claim.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Dispute of Charge/Item XXXX Civil Negligence and Non-Compliance Dear To, Whom It May Concern : I am writing to formally dispute the charge/item referenced under XXXX, which pertains to an issue of XXXX XXXX and XXXX. I believe that these charges/items are erroneous and stem from actions or omissions that do not meet the required legal or contractual obligations. 

Specifically, the issue in question involves [ briefly explain the nature of the civil negligence and/or non-compliance, such as failure to meet agreed-upon standards, breach of duty, failure to comply with regulations, etc. ]. Due to this negligence and non-compliance, I am seeking a resolution, including an immediate review of the circumstances surrounding this charge/item. 

The relevant details of this dispute are as follows : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  Account Number XXXX XXXX {$300.00} XXXX XX/XX/XXXX {$160.00} XXXX {$1300.00} XXXX XXXX  negligence and failure to comply with required [ contractual/legal/regulatory ] standards, as outlined in [ relevant document/contract ].

As part of the dispute process, I respectfully request the following actions be taken : 1. A full investigation into the circumstances of this charge and the associated actions that led to civil negligence and non-compliance.

2. A detailed explanation and supporting documentation regarding why this charge/ite
m was imposed despite the failure to meet contractual or legal obligations.

3. A resolution of this dispute, including any necessary adjustments or cancellations of the charge/item.

I kindly request that you respond to this letter within the required time frame outlined by relevant regulations. I trust that this issue can be resolved quickly and fairly, in line with legal requirements and best practices. 

Thank you for your prompt attention to this matter. I look forward to your timely response and an equitable resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/2024 around XXXX XXXX I was at the drive thru ATM of the Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I tried to withdraw {$760.00} and the ATM didnt give me the money but discounted the amount in my checking account. I immediately made the claim by phone and 7 business days have passed and the bank doesnt have any information about the case.
Product: Credit card or prepaid card

I was out of town from XX/XX/2023 I was XXXX XXXX. During that time, my card was being used in XXXX XXXX/ Multiple transactions were made on my credit card. I notified Citibank immediatel when I discovered the fraudulent charges. Citibank is saying that they were made with the physical card and can't credit me back for the charges. ( which total around XXXX ) I then send them vial email my flight itinerary and purchases I made in XXXX  showing them I was out of town and couldn't possibly make these charges. They credited me back for one of the charges..only totaling {$8.00} made at XXXX 's in XXXX XXXX during the week I was out of town. When I asked them why I was credited back and not for the other purchases ... they had no response. Additionally, these are places or places that I haven't been to or haven been in years. I then asked them to compare my signature with the ones made with these purchases ... they would not provide. I have proved proof that I wasn't even in town, yet they can't give me a valid reason for my claims being denied.
Product: Debt collection

Impersonated me according a letter XXXX XXXX stating I requested validation of debt and in turn they have reported disputes on behalf of the consumer to all ages. I have never attempted nor made any contact with this company. They have committed fraud by impersonating me and taking actions on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, From XX/XX/XXXX until XX/XX/XXXX Equifax was reporting an unknown bankruptcy on my Equifax credit file. As of XX/XX/XXXX Equifax was no longer reporting a bankruptcy on credit file do to consumer invalidating Equifax multiple claims to have had verified unknown Bankruptcy with numerous sources ( XXXX, XXXX, US Federal Courts ) bankruptcy was removed on XXXX XX/XX/XXXX bankruptcy was reinstated for reason unknown. On XX/XX/XXXX I contacted Equifax speaking to Bankruptcy Rep XXXX ID # XXXX. She stated on a recorded line that they received this information directly from the XXXX XXXX XXXX I informed XXXX that I contacted the Federal Courts on XX/XX/XXXX and they provided me with a letter stating that they do not report to any credit agencies, nor do they verify or validate any information. the same letter I presented to XXXX where they did their investigation and removed it from their records, because the information couldn't be verified I have also included that letter. I contacted XXXX  and they provided me with a confirmation letter, stating that they do not report verify or validate any information to any consumer credit agencies and these are the sources Equifax has stated verified the unknown Bankruptcy directly to Equifax which is false! FCRA Law states any information being reported on a consumer credit file must be accurate, complete and verifiable. Equifax Rep XXXX ID # XXXX also stated Equifax has no record of Bankruptcy ever being reported before XX/XX/XXXX and Equifax has no record of unknown Bankruptcy ever being deleted. I have also attached documents showing Equifax report history of when unknown Bankruptcy was reporting and when it stoped reporting unknown Bankruptcy and when it started reporting again on XX/XX/XXXX I have also attached a FTC report for Equifax for reinstall an account on credit file that was removed do to not being verified from Equifax sources for Equifax to continue to report unverified Bankruptcy is Identity Theft.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being composed by me. These inquiries and incorrect information should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these inquiries and incorrect information listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). I disputed a collection account from XXXX XXXX on my credit reports, which came back as validated despite the agencies providing no proof of verification. Neither Equifax nor TransUnion provided me with any documentation showing how they verified the debt or confirmed its accuracy, which is required under 15 U.S. Code 1681i ( a ) ( 6 ).

Both Equifax and TransUnion failed to provide the documentation used to verify the XXXX XXXX account, which suggests they may not have properly investigated the dispute. Their refusal to produce verification documents indicates non-compliance with the FCRAs requirements for a reasonable investigation. Following my dispute, I filed a prior complaint with the CFPB, which was closed without resolution. After this, both Equifax and TransUnion locked me out of my online credit report access for over XXXX days, claiming I had to submit a copy of my drivers license and a bill to regain access. However, without submitting the requested documents, I was able to log in again today, indicating that the lockout may have been unjustified and potentially a retaliatory or obstructive tactic.

My drivers license and gas bill showing my mailing address is included in this complaint. Therefore, there should be no reason for Equifax or Transunion to request this information again or for any internal investigation as stated previously by both companies. Also, there was no such internal investigation completed. 

This account has already easy been removed from my XXXX report one year ago however Transunion and Equifax will not remove this error from my credit report.

Thank you for your attention to this matter. I look forward to your assistance in ensuring my rights under the FCRA are protected and that Equifax and TransUnion are held accountable for their non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no clue why theyre there. When I checked my report, I saw unexpected discrepancies that werent there before. I tried refreshing my browser to make sure it wasnt a glitch, but nothing changed. The unauthorized inquiries remained. I urgently request that you carefully review the documents Ive sent, so this problem is fixed immediately and I dont have to deal with it anymore.
Product: Student loan

I applied for Income Driven Repayment Plan ( SAVE plan ) on XX/XX/XXXX, I called in XXXX for an update. They told me they will try to expedite the request. On XX/XX/XXXX, instead of expediting the request, the representative ended up applying for another type of loan ( Income Based Repayment Plan ) and also put me in Administrative forbearance until the matter resolves. I am on the PSLF program, so forbearance does not help count my payments towards the program. I have repeatedly called MOHELA to remove the forbearance and ask my status on the IDR ( SAVE plan ) and they keep giving me the run around and no one seems to know what is going on. I am urging CFPB to please help me with this matter so I can get my loan type and payments situated.