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

I have been having problems with EQUIFAX and I have carefully reviewed my credit report and I have been turned down for a credit due to mis-reporting information. I realized that there was a late payment on my credit report. I have always made my payments on time. For some reason. As you can see, I have always had a stunning payment record with this company. Can you tell me why? I think it is ridiculous. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please investigate and update it from my personal credit file. Thank you. 
XXXX  - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, 700 CREDITXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally Bank is refusing to resolve ALL of my disputed transactions for " merchandise or service not received '' despite sending in all required documentation, waiting 90 days, and the merchant being unable to prove that the goods were delivered to me. 

The merchant has refused to help me and yet Ally has told me, after waiting 3 months, to go resolve it with the merchant. I clearly stated that the merchant is non-responsive on the forms that Ally Bank had me sign in order to move forward with my dispute.That is the entire reason I had to file debit card disputes. 

After waiting almost 90 days since sending these forms back to Ally, I have received several " notices '' that the dispute is resolved. The notice states the exact following : " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant hasn't reversed the disputed transaction. 
We're closing our dispute case, and you'll need to resolve the matter with the merchant directly. You have a right to request the information we used in making our decision. '' Note the part that says you'll need to resolve the matter with the merchant directly. What am I supposed to do when the merchant is unresponsive? I never received the goods I paid for and Ally made me wait 90 days to do absolutely nothing? How is the fact that " the merchant hasn't reversed the disputed transaction '' my problem? What does that have to do with me? It is Ally Bank 's RESPONSIBILITY to forcefully take the money back if the merchant can not prove that I received what I paid for. 

I can not believe how ridiculous this process has been. XXXX entire months of waiting and I sent Ally everything they asked and now they are telling me they won't do anything and to go contact the merchant. I received 4 of these notices for my 9 disputed transactions and I guarantee that I will receive 5 more in the coming days.

I will attach every single form that shows the transactions I disputed and the details are all included in each form, including dates, amounts, dispute case number, and details of dispute. PLEASE NOTE that the " Dispute Numbers '' on the " Dispute Merchant - Completed '' notices that Ally sent me on XXXX and XXXX are all WRONG and do not match my original dispute case numbers. This gives me reason to believe nobody at the bank even looked at the signed forms that they had me send in which contained details of the dispute and noted that the merchant has been unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a student loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is in reference to loan # XXXX. 
Rocket Mortgage attempted to debit my checking account twice for my XXXX mortgage payment. They claim I requested two payments. Incorrect, I asked for a one-time payment that was due on XX/XX/2022. When I became aware that they were trying to take it out twice I called them 3 days in a row and numerous people told me there was nothing they could do, would " investigate '' the matter, or that I had to wait until it cleared the bank, which it would not because of the large negative balance and all of the fees I have incurred from the bank for charges and over-drafts due to the {$2500.00} ish that was taken out by Rocket Mortgage. They just pawned me off to my bank, which of course can not do anything until the money clears ( or in this case did not clear ) the account. So, while on vacation, I have to deal with this mess and Rocket Mortgage offered nothing to make me whole. I am a customer WHO IS CURRENT ON HIS MORTGAGE ARE YOU KIDDING ME? When I asked to work my way up the ladder and/or the litigation department I was told there was nothing I could do and no one I could contact, the matter was essentially closed. ARE YOU KIDDING ME? 

( 1 ) I need a point of contact ( NOT a " supervisor '' ) someone who actually has some pull for all future issues. 
( 2 ) Money/credit/SOMETHING to make me whole with my bank and my time and aggravation. 
( 3 ) The mailing address/point of contact for litigation matters.
Product: Credit reporting or other personal consumer reports

My personal information has been exposed as a result of several data breaches. Experian, XXXX, and XXXX is reporting inaccurate information on my credit report - the following addresses should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I am requesting that all versions of these addresses be removed from myconsumer credit report. As well as the inaccurate Social security number listed ending in XXXX I am requesting that you remove XXXX and XXXX from all 3 credit bureaus as this is inaccurate information as well
Product: Checking or savings account

This is in regards to Chime bank. 

I was going through my statements for tax purposes and saw a bunch of unauthorized and fraudulent ACH Debits on my account from a company I never authorized or even recognized.

Im appalled that I never received notification from chime as this is obvious fraudulent activity based on my spending pattern and Im only finding out about it now. I tried even seeing if there was any email regarding these debits, nothing. 

I tried reaching out to support with XXXX XXXX XXXX and XXXX XXXX  and when I speak to chat or call in, I just get the same generic answer and cant ever speak to a manager or executive regarding this. Ive already filed a with the FDIC and XXXX 

I even reached out to support on their XXXX page, and they IMMEDIATELY blocked me. Something is fishy on their end. Please help me get the funds that were stolen from me returned
Product: Credit card

My payment history for these accounts is marked by consistent on-time payments. Requesting an update to accurately depict this pattern.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion, XXXX, and XXXX due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect, and my previous complaint was closed without resolution. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it.

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.
Product: Debt collection

XXXX XXXX XXXX contacted me by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX telling me that I owe {$1000.00} to XXXX XXXX XXXX. I do not owe this, as I settled the matter with XXXX on XX/XX/XXXX in a mutually agreed settlement. I provided XXXX XXXX XXXX with proof of XXXX XXXX acceptance of the settlement on XX/XX/XXXX in response to their first collection letter and explained to them that no debt exists. They have ignored this and continue to bill me. The only thing they have sent me besides letters demanding payment is an irrelevant copy of a patient agreement with XXXX from before the settlement. 

The Fair Debt Collection Practices Act forbids attempting to collect a debt that is not valid. In this case, XXXX XXXX XXXX knows ( or should know ) that there is no valid debt. I have provided proof that there is no valid debt, and they do not dispute my evidence, but they continue to send letters demanding payment, in violation of the Act.
Product: Credit card

I want to dispute an inaccurate late payment entry on my credit report. I recently reviewed my credit report and discovered a late payment record that does not accurately reflect my payment history.
Product: Credit card or prepaid card

I made an online payment through my XXXX checking account to American Express credit card. American Express didn't credit the payment to my account. Instead, they applied it to someone else 's account. I was told this by XXXX and also confirmed by American Express Representative. I also have the name and account number of the person where my payment landed. I provided proof of payment to them that shows that they accepted the payment and they refused to fix the problem. I opened a dispute with them 4 times and they continue to close the dispute stating that they need more information. However, they won't specify what else they need. XXXX bank has provided all that they can provide to show that the payment was sent to American Express. I am now out {$1500.00} and probably American Express is going to send my account to collections and ruin my XXXX credit score. I am caught between two big companies and they have been treating me like a ping pong ball without resolution since XXXX. Please help. I only have access to representatives who don't seem to have the ability to resolve issues and they rely heavily on computers doing the thinking and sending out auto-generated letters.
Product: Credit reporting

I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Mortgage

Preparing my taxes I discovered a XX/XX/XXXX payment of {$390.00} from my Escrow account for " Windstorm Ins Paid. '' Further investigation I found a XX/XX/XXXX payment for {$580.00} scheduled to pay for " Wind coverage. '' I don't live in a Wind Zone that requires Wind Insurance. Fay Servicing twice opened up insurance investigations and twice came back with, " Case closed, we just paid what XXXX XXXX billed us. '' But XXXX XXXX insists that they have not billed for, nor collected, any premiums to cover me for Wind Insurance. I have requested copies of these bills and Fay has not produced them. 
Supposedly there is a 3rd investigation open and the {$390.00} check has been requested from some 3rd party that does their checks. 
I keep getting told to " Call back in a few days '', or " Call back next week. '' I've made 15 phone calls over 5 weeks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge off account from XXXX XXXX  # XXXX with a balance of {$300.00}, XXXX XXXXXXXX XXXX XXXX  # XXXX with a balance of {$4500.00}, XXXX XXXX # XXXX with a balance of {$4200.00}, XXXX XXXX  # XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account XXXX XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & amp ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX someone attempted to apply for a credit card in XXXX separate transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) portal, highlighting the presence of incorrect name variations on my credit report. I provided copies of my Social Security card, driver 's license, and other supporting documents to verify my identity and correct legal name. 

Equifax 's Response : On XX/XX/year>, I received a response stating that additional time was needed to review my submission. Subsequently, I was informed that XXXX required copies of my Social Security card and driver 's license to update my name. I had already provided these documents with my initial dispute. 

Current Situation : As of today, XX/XX/year>, my credit report still reflects incorrect name variations. This ongoing inaccuracy is concerning and may adversely affect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
CFPB FAIR resolution
Product: Credit reporting or other personal consumer reports

I have over the years tried and tried to have these inquiries removed but they have not removed none of these inquiry for one they didn't get permission from me or they organization to have anything on my credit file hard inquiries and a lot of the credit information
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting

Equifax Report Personal Information : Please remove incorrect name : XXXX XXXX XXXX from credit report Address : Need address corrected from XXXX, VA XXXX to XXXX XXXX, VA XXXX XXXX Two addresses need to be added to credit report.
Product: Checking or savings account

I believe they allowed a debit transaction to go through which made my account over. Then they charged me {$10.00} over draft plus a {$6.00} a day fee for several days. For over {$60.00} in fees when I was only over maybe {$20.00}. I think this is predatory and wrong. They are doing the same thing as XXXX XXXX. Please investigate.
Product: Checking or savings account

On XX/XX/year> I opened a checking account and a XXXX  debit card for XXXX XXXX XXXX with Truist Bank. I called in and notified the company that I was an employee to have the {$95.00} fee waived being that Im a XXXX employee. The representative assured me that I wouldnt have to pay the annual fee due to being a XXXX employee. On XX/XX/year> I was charged the {$95.00} annual fee and it caused my account to get overdrawn. I spoke to the bank on XX/XX/year> and they advised me that I have to wait XXXX  days for a refund and they cant expedite the refund or place a temporary credit to the account to bring it out of the overdraft amount.
Product: Credit reporting or other personal consumer reports

This account is being disputed And should be removed immediately. I did not authorize, nor sign any documents, agree to any disclosure this is a illegal matter ( evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors, ( 15 U.S.C. 1692 ) Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) in 1978, codified PLEASE DELETE IMMEDIATELY LEGAL ACTION BY THE CONSUMER WILL TAKE PLACE