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

Deposit from XXXX XXXX ( Employer ) XX/XX/XXXX Chime suspended my account on XX/XX/XXXX for suspicious activity regarding a pending deposit that I had no knowledge of. I was asked to submit verification of my identity and residence which I did. I was also asked to verify proof of ownership of several " linked '' debit cards to my account, when I was asked to provide this information I kindly let the support team at Chime know several times that those debit cards did not belong to me and never belonged to me but for some reason they did not believe me and did not give me a reason why the don't believe me and won't provide any additional information. Now Chime is holding my funds of {$2100.00} from my employer in their system and they won't give it back. I was told by several team members that there was nothing i could do until i provide proof of ownership of the debit cards and my identity but i can't provide proof of ownership of something I never owned in my life. I work hard for my money so the fact that the U.S. government allows this company to operate with no oversight and no accountability is senseless. How can the highest level of escalation at the company not assist me with my issue or at least give me my money back. The people at this company are thieves and I demand you hold them responsible. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

A Sallie Mae Account Manager stated Make a payment of {$50.00} on XX/XX/XXXX & my account will be in forbearance until my next due date XX/XX/XXXX. You will not receive a negative report on your credit score if paid before the XXXX. 
I made the payment & still got a negative mark on my credit score. I did what was requested, I spoke of my concern about credit score & they made a negative report anyway. 

Also as of today Navient made a negative credit report although payment, interest & fees are to be waived until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquires XXXX XXXX XXXX XX/XX/2019 and XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
DEPTEDNELNET XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted additional dispute documentation on multiple occasions over the last few months as Experian Credit bureau continues to leaves false inaccuracies on my credit report. This lack of initiative to correct fraudulent line items makes it impossible to have my report accurately reflect my credit worthiness. Despite countless attempts to submit the exact same documentation used with other bureaus to correct these inaccuracies Experian continues to falsely report these inaccuracies with no regard to the US Code for consumer credit protection. I am requesting the immediate proper investigation that I am entitled to per FCRA. I find it hard to believe that other bureaus are investigating the same items and removing the inaccuracies as required by law and Experian continues to let any and all information continue to be fraudulently reported regardless of truth or accuracy. Creditor continues to violate US codes ; collection to consumer report is in violation of 15 USC 1692d ( 4 ) engaging in unlawful extortionate activities and collection of extensions of credit by extortionate means is a violation of 18 USC 894. The inaccuracies in question are XXXX XXXX whom has been involved in litigation since XXXX where there were court ordered to removed delinquent accounts and to waive deficiency balances which the Coalition statement has been provided as with the other two bureaus ( XXXX and XXXX ) and immediate correction was made resulting in the deletion of this account from credit reports. The second inaccuracy is XXXX XXXX in the amount of {$1000.00}, which should be immediately removed due to the creditor violating the US Code for consumer credit protection by attempting to use extortionate means to collect debt which is against the law ( account has been removed from credit reports ( XXXX, XXXX ). The final and most important inaccuracy comes from XXXX XXXX XXXX  whom has added a collection only to my Experian report in the amount of {$3000.00}, this school added this debt to my credit report after receiving cleared funds from the department of education and they are now involved in litigation due to school misrepresentation and misconduct in violation of certain state laws. Sweet v. Cardona ( formerly Sweet v DeVos ). This creditor is attempting to falsely collect funds though they are not legally entitled to them. Experian does not investigate disputes as they properly should to protect consumers.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I paid my account off and they kept charging me for insurance and then late charges I explained it to 25 people on nobody did anything and now they have sold it it to a debt collector and put it on my credit report.
Product: Debt collection

I was informed in XXXX that my annual fee was going from XXXX to XXXX. That I had the option to call and disagree with this tactic on this, at the time excellent payment history card. The person, would not opt me out of the annual fee and refused to cancel the card, that was in XXXX, since then, I have responded to the calls, and asked them to cancel the card, stop interest and please offer me a settlement plan so we can end this predatory relationship, and again, in XXXX, the calls started, to be excessive, I answered all calls, and they would harass me to verify who I am, by giving up personal data and information, they already have, I mean they called me. 

The calls were constant, and then on XX/XX/XXXX. I again, pleaded that they would end this relationship, bill me a payment plan, cancel card and stop interest and to stop calling, seize and desist. They then called more, many times in a day, spoofing numbers, not speaking when I said " Hello '' hanging up on me and violating the law of calling after asking to stop. 

The stress and hardship, from already being declared XXXX and not being able to afford the increase by XXXX a month, I was not late not once, before they refused to cancel card due to a forced increase of XXXX a year. When I tried everything to work with them, it only got worse, and they then abused the phone lines and broke laws that are in place to prevent harassment, intentional harm after offering a workable situation, this company is fraudulent and predatory. 

I have had over XXXX calls, Since XX/XX/year> with many different numbers, after asking them to please stop calling to stop and desist. Harassment starting at XXXX ; XXXX am, actually XXXX minutes before allotted time, so there is another violation, when you call back they say that they use a auxiallary number, actually its fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit  score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Vehicle loan or lease

This loan was for my father, I was the co-signer he passed away from XXXX in XXXX they repossessed the car I dont think its right being on my report
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Loan have been TOTALLY DISCHARGED XXXX on XXXX XXXX. Each Credit Bureau Experian, XXXX and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL. 

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions. 

NOT CLOSED DELETED!
Product: Credit card or prepaid card

I am filing a complaint against Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

The bank is the issuer of my Apple Credit Master Card ending in XXXX. The credit limit set was {$3000.00} I have been using the card for purchases and services charges and in my first month I have Charged {$5300.00} and made electronic payments in the amount of {$4700.00}, so currently I should have a balance of {$630.00} and available credit to spend of {$2300.00} XX/XX/XXXX : {$4.00} Posted Immediately XX/XX/XXXX {$360.00} Posted Immediately XX/XX/XXXX {$1600.00} Posted ( After I called in Customer Service 2nd day ) XX/XX/XXXX {$2500.00} Did not Post The bank posted my first two payments immediately. Third payment did not post until after I called in the second day and the representative informed me that they usually would hold the payment for 3 days for my protection, in case I made it in error! 

The last payment did not post, and when I called in I was told it will not post until XX/XX/XXXX! I asked why and was told that it usually takes 7 to 12 days to " process payment!!, When I told them that the previous customer service representative had told me 3 days and now you are telling me 7 to 12 days, and if that is in the credit card agreement, the supervisor told me YES it is and she will send me a copy of the agreement. 

Upon reviewing the Card Terms and Conditions agreement ( copy attached ), under When We Credit Your Payment section on Page 10/19 ( copy attached ), The bank terms state that they will credit my account the next day. In the section below, the bank reserves the right to withhold credit availability of payments for a period of time, which is not qualified or quantified. 

I can understand if the bank is having a problem with the customer and is looking to reevaluate the credit availability, but when a customer is making payments in full before time, with no credit or payment problems, and when the payment funds have been deducted from my account, the payment should post immediately. We can accept 1 day or -on exception, 2 days processing, but 12 days to process payment is stretching it. This is unfair and violates the terms of the credit card agreement.
Product: Student loan

To Whom It May Concern : This letter is in response to your recent claim that Navient, has verified that the account they are reporting under my name is accurate. your INCORRECT reporting is reporting me LATE ON MANY MONTHS WHILE I WAS IN DEFERMENT AND WAS GOING THROUGH ECONOMIC HARDSHIPS. THE INCORRECT LATE REPORTING ARE AS FOLLOW : 90 DAYS LATE ON XXXX ; 120 DAYS LATE ON XXXX : 150 DAYS LATE ON XXXX : Be advised that the incorrect reporting is detrimental to my credit and is causing substantial harm to my credit reports and it 's holding me back from owning our home one day. Please remove this incorrect reporting from my credit reports and mark as current with the credit bureaus. 
the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete and represent a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with XXXX XXXX XXXX XX/XX/XXXX. This account has been in good standing with them into the year XXXX when Bank of America took over. I have always made automatic minimum monthly payments on this account directly from my bank and had paperless statements and communication. As long as I saw the payments leaving my account I didn't worry about the account status. I was aware that Bank of America took over the account in XXXX but since my payments were still leaving my bank account each month I still didn't question my account status until last month when I paid off the balance on this account. Once the account was paid up, I logged in to see my available credit only to find out the account was closed in XX/XX/XXXX for apparently being past due. 
I spoke with customer service on XX/XX/XXXX to find out how this was possible since I was making my monthly payments. Apparently there had been a returned payment on the account in XX/XX/XXXX and my minimum payment each month was no longer covering the minimum due. I explained to the agent that since I saw payments going out each month that I was not aware of this issue and requested that the account be reinstated since it is hurting my credit score. At this point I was transferred to the credit department and was informed that since they do no have " the original terms of agreement '' for this account, they can not reinstate it. 
It was not my choice to have this account taken over by Bank of America, and if they did take over the account there is no reason for them not to have the original terms of agreement. 
I have asked that this account be reinstated on the merit of this being a long time account in good standing. As explained before, I was unaware of the missed XX/XX/XXXX payment and the effects it had on my account. According to my bank statements, I was making my minimum monthly payments. I do not feel that I should be penalized to this extent for one returned payment.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than XXXX  years. As you know, the FCRA states that all credit older than XXXX years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT