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

Im reaching out to CFPB for assistant as i have Sent serval disputes on accuracy of investigation regarding XXXX XXXX XXXX that's reporting on my credit. This is my fourth attempt to get this resolved. I ; m well aware that the credit agencies should be following the rules of 15 USC 1681. I didn't get anything in the mail or confirm who they verified this information from.

15 USC 1681 ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later in addition to that I just seen that XXXX responded to my investigation but i just noticed that they also had the incorrect social. So if the social is incorrect how can they credit agency confirm that the account was accurate when that isn't my social.
Product: Credit card

I signed up for a XXXXXXXX XXXX on their website for a trial period around XX/XX/XXXX. The plan was cancelled prior to expiration of the trial. As far as I was aware that was the end of the matter until I noticed that there were recurring charges on my account. 

Since this happened several years ago and I had not received any correspondence I do not have a copy of anything from XXXX nor do I believe I received anything from them for that matter. 

Nevertheless I discovered recently that XXXX have charged me a total of {$730.00} over the last three years for a service I have not used. See attached list of charges. 

I have attempted to contact XXXX to resolve this. I used the contact-us option on their website to reach out. This was the only contact method available to me. To date I have not received any response from them. I provided evidence of this to Amex. 

The only correspondence I have at all from XXXX is a response they sent to Amex when I attempted to dispute the most recent charge, also attached. 

Since XXXX I had not received any communications from XXXX and only became aware they were still billing me when I checked charges on my statement. 

If you look at the correspondence received from Amex, please note that : a ) email address is not one in use by me b ) IP address for authorization is from New Jersey- I do not live in New Jersey, I XXXX XXXX XXXX XXXX, NY XXXX ) Per XXXX 's own admission, this service has not been used since XX/XX/XXXX d ) the billing information provided ( XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX is not mine. I do not live in XXXX. 
XXXX ) This payment was processed by XXXX credit card processor, XXXX I disputed the XX/XX/XXXX charge with Amex because ( a ) I did not authorize this charge, and ( b ) I was a " service not rendered '' / dissatisfied with service. 

After a few weeks I received a response from Amex that they had a simple slip showing an authorization number - nothing showing consent from me or what the service was for. 

I again spoke to Amex and explained the situation as above. They opened the dispute again but after another few weeks provided attached response. I reached out again and this time Amex suggested I file a complaint with the FTC as they are aware that such activity is forbidden by consumer protection law but they would not refund this charge or even agree to open the dispute again. Neither Amex or XXXX have provided any evidence at all that these charges are authorized. 

Seeing as this service was not rendered satisfactorily, in fact not rendered at all per XXXX 's own admission I would appreciate a refund from Amex of at least the most recent charge of {$190.00} if not the entire amount of {$750.00} which was fraudulently billed to my card by XXXX for a trial service provided back in XX/XX/XXXX. 

thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one company is reporting XXXX  all of them should report XXXX
Product: Debt collection

I had a multitude of red flags pop up around mid XXXX, 2014 and obviously took brisk action in fixing it. One of the few conclusions we ( my bank and I could find ) was to close my account and my cards and issue brand new numbers for each one. The date that this supposed money was put into my account was AFTER my accounts were closed and I was issued new account numbers and card numbers. The company Speedy Cash left me a large amount of pretty threatening voicemails including telling me youre going to jail no matter what, just pay ya we need the money after I specifically spoke to them about how theres no possible way the money could go in and if it did it was identity theft and I told them to contact my bank and they asked for the information and I gave them the number of the bank, XXXX XXXX and I also gave XXXX a heads up that they needed verification that it was closed. I never heard a word back again ... AND NOW its in debt collections? No way ...
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that TESLA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has a comment on my student loan account that indicates that there is a dispute on this account though there are no active disputes. Comment reads " Dispute resolved, customer disputes after resolution '' This is incorrect. Need comment to reflect " Dispute resolved, customer disagrees '' The words " Disputes after resolution '' is having a negative impact which may cause my current mortgage application to be denied. Please update.
Product: Credit reporting or other personal consumer reports

XXXX , the consumer reporting agency XXXX in california and Illinois, AND US BANK , is intentionally violating the law and FCRA and credit laws of the US, by stating on my credit report that I am not paying my mortgage to US bank XXXX! XXXX illegally and unethically obtained my property information ( not mortgage payment ) and then DROPPED MY CREDIT XXXX SCORE BY OVER XXXX POINT FOR NO REASON!! I HAVE PAID MY MORTGAGE ON TIME FOR OVER TWO YEARS NOW AND THE BALANCE DECREASES BY OVER XXXX $ EACH MONTH! Instead, XXXX makes it appear that I have paid NOTHING on my mortgage and keeps my XXXX credit score artificially low!! I'm a XXXX person and veteran and you are a dirty awful evil company that is preventing me obtaining any credit by your lies and falsehoods! XXXX perpetually lies on this complaint I file stating its " his ability to obtain his credit report! '' versus fixing my credit report and score! The second trust from XXXX XXXX XXXX  is NOT part of my mortgage and should NOT be reporting as a XXXX $ balance than my US bank mortgage! Stop lying transunion and report my balance accurately and raise my credit score and my mortgage balance decreasing XXXX $ every month!! I have reported XXXX XXXX to the Florida Attorney generals office!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent letters to all 3 credit reporting agencies due to appearance on my credit that I believe are results of fraud/theft. The reached out to me stating they are not able to pull such things off of my credit but have not responded with a reason of why.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Chime Financial Services regarding the closure of my account and the subsequent handling of my attempts to resolve this issue. 

My communication with Chime 's customer service team has been met with a series of inconsistencies and unprofessional conduct. Notably, during a conversation that ended at XXXX XXXX  with a Specialist named XXXX, I was provided with an email address for further correspondence, which turned out to be non-functional. 

The level of service I received was deeply unsatisfactory. I was abruptly disconnected while attempting to explain the situation regarding the ineffective email address provided by the specialist. Throughout this process, I have been told various things by different representatives, none of which have been constructive or led to a resolution. Instead, I have been subjected to a frustrating cycle of runarounds. 

I have not violated any terms of service or agreements, and I believe the closure of my account lacks a valid explanation, as the amendments to the Terms and Conditions do not stipulate grounds for a permanent account closure, particularly not in relation to the XXXX XXXX features. 

As a loyal customer of Chime, I am disheartened by this experience and the lack of accountability from Chime Financial Services. The situation has left me without access to important financial services and has caused undue stress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in reaching a fair and just resolution. Your attention to this complaint is greatly appreciated. 

I would like to add there have been many media reports, and I was told by a XXXX XXXX XXXX that Chime has been under investigations in the media. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, Equifax and XXXX. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.
Product: Student loan

NETNET NEVER INFORMED ME TO PAY A MONTHLY INTEREST RATE. MY ONLINE ACCOUNT SHOWS THERE IS NO RE-PAYMENT UNTIL XX/XX/2020. THIS HAVE NEGATIVE IMPACT ON MY CREDIT REPORT AND SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$22.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX {$1000.00} balance Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX {$2500.00} limit {$2400.00} balance Opened XXXX XXXX Sunbit, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$2000.00} limit {$0.00} balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Balance {$220.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed And then a ton of Hard inquiries are also not from me
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, SC XXXX I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

This company contacted me and I asked what this was about. They told me and I said I didnt want anymore calls. They call me XXXX times a day from different numbers. I keep blocking the numbers and they keep calling me from different ones. I was in a month to month contract with a business that refused to cancel my contract when I called unless I came into the business directly even though I moved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  popped up on my credit report with a debt supposedly from XXXX. first it was one for {$440.00} then it was one for {$1100.00} I have never had a XXXX  account and so I disputed it multiple times and they still wouldnt delete it I got access to the XXXX XXXX  because they emailed me about the debt and when I logged in I see that it is under somebody elses name using my email account doesnt even belong to me and it is being put on my credit due to my email being used which is completely illegal This needs to be removed from my account immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I called XXXXXXXX XXXX XXXX to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXXXXXX XXXX  XXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX XXXX do. I asked if XXXXXXXX XXXX XXXX owned the account. The agent said no, XXXX owns the account, and we are a XXXX party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXX XXXX  XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.
Product: Debt collection

I reviewed a copy of my credit report and noticed a collection that I have no knowledge of XXXX XXXX XXXX XXXXXXXX XXXX This account is the result of fraud
Product: Debt or credit management

Company - Ally Financial - auto loan opened XX/XX/XXXX I have disputed an alleged " 30 days late '' in XXXX of XXXX. This account was never late.