23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this third -round dispute regarding XXXX ( XXXX ) late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX reported by XXXX  Number XXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Credit card

I have a credit card with Citi, its the XXXX XXXX XXXX card and I use it strictly for business travel. I noticed about XXXX weeks ago that I had several unauthorized charges to my account and I raised a fraud case with Citi. I have waited XXXX weeks for the charges to be taken care of ( I have been a victim of identity theft in the past and they were resolved quickly with my back ) but after XXXX weeks I received a letter in the mail dated XX/XX/24 stating Citi determined no fraud. I received the letter on XXXX and immediately called Citi for an explanation. I called at XXXX EST and spoke with XXXX who was not able to connect me to anyone to give me an explanation, I asked to have my account terminated and that I would be submitting a complaint with consumer finance and the Office of the Comptroller. XXXX then transferred me to an XXXX who was his supervisor. I did not catch the gentlemans name, but he explained that he was not anyones supervisor and that he worked in the forbearance department and could not help me. He transferred me to the Fraud department who then told me that they were having system issues and could not look up my account, then promptly hung up on me.

The reality is that I never authorized any of the transactions as this card is strictly for business travel. I would like assistance in have these fraudulent charges reversed so I do not have to unfairly bear the burden for {$1900.00} in unauthorized and unknown charges.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a dispute against the company, the dispute results came back aas verified and accurate. " ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. '' In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Debt collection

I disputer this collection, because this was not submitted to them sooner. 
XXXX the company they claim I owe the debt to. XXXX have not notify me of any debt.
Product: Debt collection

RE : Experian RE : Experian RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX Account # XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine. Please help me because anyone could report anything on a credit report and the FCRA is not being enforced.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX, Inquired on XX/XX/XXXX SHIFT XXXX, Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX  XXXX, Inquired on XX/XX/XXXX XXXX  XXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX to cease using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# XXXX. XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

They took my car after 2 months behind after understanding my bank closed and I had no idea that the payments was coming from a closed account even after I updated it. They are telling me they will not refinance me all I can do is buy the car out I just had a baby I was also just in a car accident do to a drunk driver that speed away. I explained all this and they still told me no.
Product: Bank account or service

XXXX 2015 was a record XXXX in XXXX Washington. As I was moving into property at XXXX XXXX XXXX WA. It was changing from XXXX level to XXXX level evacuation. Fortunately that area was allowing traffic to flow both ways and on good days I continued to move in. After spending nearly {$10000.00} cleaning, repairing broken pipes, pumps, electrical issues and roofing, I was able to pass XXXX and XXXX inspections and finish moving in. Both Wells Fargo XXXX XXXX XXXX XXXX were informed by the Owner that we had a lease agreement and that I was occupying the residence. In XXXX 2015 there was a Sheriffs sale and the next day someone trespassed and changed the locks on the house while I was out of town. When I tried to file a criminal complaint the Sheriffs office told me, " The Bank ordered the locks replaced. '' Neither Bank admitted doing this criminal act and the company ( XXXX XXXX XXXX, XXXX XXXX WA. ) handling the Sale of this property denied having the locks changed and then agreed there is a year of redemption in effect with the owner. The trama & frustration was devastating. XXXX has a class action law suit addressing this issue state wide. Thousands of renters, lease agreements and present owners have been locked out illegally. This should never happen to legal occupants and I pray restitution for these actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted information about inaccurate information on my credit report. Nothing was corrected. The credit bureaus continue to say things are verified and accurate when this is not true. There are inaccurate late payments on my credit report that violate 15 U.S. Code 1666b - Timing of payments. This needs to be corrected. In addition to, my identity being compromised. There are accounts on my credit report that do not belong to me. I have also attached an FTC report that I filed to support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX MORTGAGE XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Product: Prepaid card

I am in a roommate situation. I believe a roommate to have gotten in my purse and stolen things such as cards or account information in order to steal money from my accounts. About the same time my phone was hacked and the XXXX play app to this company " XXXX '' as well as my government XXXX XXXX card used to get XXXX payments were stolen and a large amount of money taken. When I called who I thought was customer service and requested simple info like where the transaction history in the app was or to dispute the irronius charges they refused to do so. Claimed I was not verifying my identity because I had changed addresses. I was and still am able to open the app. But somehow unable to do simple things like change my address. See purchase history. Actually get any logical answers from " live chat. Etc. 
Clearly the person 's are not legitimate business people and are diverting my attempting to get stolen money back. Please help.
Product: Credit reporting or other personal consumer reports

I have written 2 letters to Transunion asking how they verified a bankruptcy item on my credit report, specifically asking which data furnisher they used. One letter on XX/XX/XXXX and a XXXX letter on XX/XX/XXXX which was sent by certified mail and delivered on XX/XX/XXXX. I still have not heard anything back about any of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XX/XX/XXXX, XXXXThere is an account with XXXX XXXX XXXX  with account number XXXX on my creditreport that was opened on or around XXXX XXXX XXXX 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of them.
Product: Checking or savings account

Subject : Complaint Regarding Chimes Handling of Dispute for Illegal Transactions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chime Financial , Inc. regarding their refusal to address disputes related to illegal transactions on my account on both my Chime Debit Card and my Chime Credit Builder Card.

Background : The transactions in question involve payments to the merchant " XXXX XXXX XXXX '' for online gambling services. I recently learned that as a resident of Utah, such activities are strictly prohibited under Utah Code 76-10-1102, which defines gambling and makes online gambling illegal. These transactions are therefore unlawful under state law. 

Issue : Despite the illegality of the transactions : XXXX. Chimes Terms of Service explicitly prohibit transactions related to illegal activities, including gambling. However, Chime processed these transactions without preventing or flagging them. 


XXXX. When I attempted to dispute the transactions through Chimes dispute process, I encountered the following issues : Supervisors refused to investigate my claim. They stated that the transactions were authorized and as such they completly dismissed my concerns about their illegality. 

Repeated refusal to escalate or document denials. Supervisors declined to escalate my claim to a higher department and refused my request to provide me with a written explanation of their decisions.

Unprofessional behavior. My calls were disconnected from their end multiple times and representatives displayed a lack of understanding as to Chimes obligations regarding illegal transactions. 
My request for the chat logs and call logs from today XX/XX/year> were also denied instantly with out any explanation as to why. 


My Concerns : XXXX. Failure to Address Illegal Transactions : As a financial institution, Chime has a responsibility to ensure that they do not facilitate illegal activities. By processing transactions for gambling, which is unlawful in Utah, Chime has violated both their own Terms of Service and their obligation to comply with state law. 


XXXX. Failure to Follow Dispute Resolution Protocols : Chime refused to investigate or escalate my dispute despite my repeated attempts to resolve the matter. Their refusal to provide a written denial upon request violates consumer protection principles and leaves me without recourse to appeal their decision. 

XXXXDuring my interactions with the Chime representitives, I specifically requested chat transcripts and call logs for XX/XX/scrub>XXXX However, my request for these records was denied without any further explanation. I am deeply concerned about their lack of transparency in this matter. These records are essential for documenting my interactions and verifying the information provided by their representatives.
Product: Credit card

My Montgomery Ward account was breached. I have not used this account in years. The hackers purchased a {$500.00} necklace to be delivered to an address in XXXX, Colorado. I do not know anyone in Colorado. When I searched the address, I found it was for a business that is listed as permanently closed on XXXX. The hacker changed my password, and when I tried to change it, Montgomery Ward refused to reset it even though it was still supposedly linked to my email address. When I tried to change my password, I never received an email from XXXX XXXX asking me to update my password. I then proceeded to call them for assistance in this matter. Instead, I was offered to change my account number. How is it so easy for hackers to access my Montgomery Ward account but hard for me to get a password reset to ensure that it was the only fraudulent transaction? I also found a pattern of this scam happening to other consumers via the BBB in which they closed the account order number. XXXX
Product: Debt collection

I've been receiving multiple calls from a company called " CBE Group. '' On the phone, they are extremely vague about who they are and what they are calling about. The first time I answered the call, I let things proceed until they started trying to confirm personal information without telling me who they were or what they were calling about. I hung up. 

The second time they called, I tried to ask who they were. They told me they were just a company who " dealt in a variety of personal and business matters. '' They said they are based in XXXX, XXXX but would not tell me anything else about the company. I spoke to a woman who said her name was XXXX XXXX. She told me her supervisor was somebody named XXXX XXXX ( or XXXX XXXX? ), but refused to connect me with the supervisor. 

Eventually, I was connected to somebody named " XXXX, '' who said he was the floor manager, but would not tell me anything else about who CBE group was and what they were calling about. 

I looked into them and the internet says they are a debt collection company. None of these calls mentioned any debt or disclosed that they were debt collectors. I can't think of any debts that would be unpaid and would be sent to debt collectors, so I worry they are harassing people based on weak leads ( similar name, similar address, etc. ) and hoping to confirm enough information over the phone to justify more aggressive debt collection tactics.
Product: Payday loan, title loan, or personal loan

This company charges exorbitant fees, so I still make it a point to pay it off every month to avoid fees. Again, this month they would not let me pay it off in my usual large payments. I made the first payment and then a second smaller payment when I started receiving errors. When I went to make the third/final payment the system would not allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They had the nerve to tell me making large payments sets off security concerns and made me " validate '' myself all over again by sending them my credit card and driver 's license over email ( I'd done this multiple times in the last few months ). This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.
Product: Student loan

I applied for a private student loan with MeritizeXXXX for XXXX school at XXXX XXXX for {$79000.00} in XXXX of XXXX. My XXXX school got kicked out of XXXX XXXX and was forced to XXXX XXXX  XXXX miles away from my home. Then we had a storm in XXXX of XXXX that totalled most of our planes, delaying my training. As of XXXX of XXXX they stated I didn't finish my XXXXXXXX XXXX XXXX in time and they cancelled my disbursements and immediately started the repayment terms. They did this to everyone and stopped funding for all XXXX  schools. Definitely some predatory loan practices. The loan is 14.5 % interest daily and I owe them the amount that was disbursed {$28000.00}. No where in the agreement does it state that they can stop funding me. It states that they can start the minimum payments for {$150.00} a month for XXXX  months during the time building phase. The school stated that they did this to multiple students and cancelled their disbursements mid contract. The school stated that they should not cancel the disbursements regardless of time or certification. The school admins stated they believe they saw my graduation date as a way out to stop funding me even though I never graduated. The school believes that the loans were cancelled without notice due to the upcoming election and that Meritize isn't allowing applications for XXXX  schools anymore.
Product: Debt collection

Unverified Re-Aging. Name spelled wrong on documents sent to my address while trying to collect debt from me! Account removed From XXXX But wont remove from XXXX  or XXXX!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXX, Unknown - XXXX, Public Record - Federal,
Product: Mortgage

My husband and I went under contract on the purchase of a home located at XXXX XXXX XXXX XXXX TN XXXX on XX/XX/XXXX. This home purchase was based on using the VA Loan Assumption through Freedom Mortgage loan # XXXX. 
The process had been terrible and awful from the very beginning with delay after delay in getting the process started. 

XX/XX/XXXX we FINALLY received an email from a loan processor ( XXXX XXXX ) requesting a few additional documents, which were sent as requested immediately. Said email from XXXX stated " Once all documents are in, I will be submitting the application to the Underwriting Department. They will complete an Initial review for Conditional Approval. Underwriting turn around is 30 Business days ( not including Saturday and Sunday ) to pick up the application for review. 

When we have Conditional Approval, the Underwriter will list out the documents needed for Final Approval. I will reach out to you to go over the documents needed. When I receive those document from you, I will work to submit the application back to the Underwriter to review for Final Approval. Underwriting turn around is 30 Business days. ( not including Saturday and Sunday ) '' We have been going in circles with them as they keep coming up with excuse after excuse on documents they need. It is now XX/XX/XXXX and we still have no idea when we will be closing. This feels very deliberate and intentional of Freedom Mortgage to not want to have the loan be assumed because it is a lower interest rate so their is no incentive for them. The seller of the home and I are BOTH military veterans and are absolutely disgusted with how this is being handled. Their hold music/message boasts about supporting military and first responders but this is far from the truth. I want this resolved and I want answers on the intentional delays.