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

The child support account reporting on my consumer report is incorrect and having a negative impact on my equifax credit report.
Product: Credit card

For the past 3 weeks I have been trying to contact Klarna to no avail. Their phone number does not accept incoming calls and their chat never loads. My payment was due today and I can not pay it because my bank locked me out of my account and refuses to fix it. There is a class action against them as we speak over this. I have been trying to speak with Klarna and there is literarily no way to do so and now I am XXXX 

Also my number has changed and I have been unable to call due to my schedule.
Product: Debt collection

this company " XXXX Credit Collection Service '' that represents XXXX XXXX XXXX who is reporting this item on my credit report after XXXX XXXX XXXX instructed them to stop collection activity and close account on XX/XX/2022 By continuing to report this item on my credit report is a collection activity. Im also requesting them provide proof that they as a third company to report this account on my report without giving me any prior notice as the law states... PLEASE DELETE ACCOUNT from all XXXX credit reports
Product: Money transfer, virtual currency, or money service

I woke up to my bank account being completely drained. There are XXXX dollars in my bank account. Someone hacked my chime account and sent themselves all my money. I dont know if it was a chime employee or if chime made a mistake and if the person who was in my room did it but all my money was gone on XX/XX/XXXX at around XXXX. I contacted chime and asked for a dispute for my XXXX dollars and XXXX XXXX they immediately denied it after saying their investigation would take almost 2 months. They did not offer me temporary credit. I called them again asking why it was denied and they could not provide me the reason. I kept assuring them that there was no way I SENT ALL MY MONEY IN ONE TRANSACTION to ONE PERSON. Those were all my savings for college I am a XXXX XXXX XXXX I now have no money. I called chime back later that day on XX/XX/XXXX asking for a rebuttal they said they would give me one but lied and never emailed me. The next day on XX/XX/XXXX I called XXXXXXXX XXXX and had to receive links for rebuttals over 5 times because they kept reuestion documentation. After the fifth time I was told I was eligible for temporary credit and they would open the case and do a rebuttal. They said this would take XXXX weeks for temporary credit and atleast a month for the investigation. THE VERY NEXT MORNING TODAY ON XX/XX/XXXX I WAS TOLD THAT MY CASE WAS DENIED AND I WAS TO RECEIVE NO FUNDS. How are they completing these month long investigations within hours. I have no money. I am XXXX XXXX I can not pay my tuition I can not buy food or books or even pay for my homework. Chime immediately denied all of my requests for disputed within minutes. They are carrying out fake investigations. I really need my money back please I would not be trying this hard if I didnt please. I am on my XXXX rebuttal and being utterly ignored. Chime is carrying out fake investigations done by AI and not people I have not heard from a real person about my money just automated EMAILS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inquiry ( TransUnion ) XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

I hope you are doing well. I am writing to dispute the information related to a student loan that is currently being reported on my credit report. It has come to my attention that this loan is inaccurately reported, and I strongly believe that it was not authorized by me. The presence of this information on my credit report is significantly harming my financial standing, and I am requesting that it be thoroughly investigated and removed as soon as possible. 

The student loan in question is as follows : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX i was talking to XXXX  when the person had spoken too me i told. them that i am not aware of this account by XXXX account i also told them that's its a identity theft too this. account the lady told me in XX/XX/XXXX that she will be removing off my credit report report file in today on XXXX XXXX XXXX  day i had check up on my credit report and its still showing up on my credit report file i call them today and told them that the women that i had spoking with said that she will remove off my credit report file with in 14 days are 30 days most likely it will be off in 14 days i also told them that they are breaking the law because i have a book that congress said that when doing investigation they suppose too ask my neighbors are friends are my associates when doing investigation they not suppose ask the creditors at all.they violated my constitucional rights and also my civil rights as well. I was fighting with this account since XXXX when i found it on my credit report file.
Product: Checking or savings account

I went to XXXX to deposit XXXX dollars into my CHIME checking account shortly after I received a few emails explaining that my accounts have been closed so when I called them they were very rude would not tell me why account was closed but proceeded to tell me that my account is closed and all my fund are not refundable, then they proceeded to hang up on me I called back XXXX more times getting different people on the phone to tell me same thing that the XXXX dollars in my account is gone I will not be getting back and all three of them hung up on me they are very rude and use disrespectful language, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This creditor did not send any information for me to dispute this before they began to report on my credit reports. 
This company should provide proof of agreement or contract that I received their services and then violated them before putting false information on my credit reports.
Product: Debt collection

contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company AmeriHome Mortgage XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report AmeriHome was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Product: Credit card

{$27.00} - XX/XX/year> I filed a dispute with Citicard to address a charge from a merchant that sold me damaged goods. I provided pictures and stated the details as to why I am not responsible for this charge. Citi reached out to the merchant and the merchant in return provided false information about the transaction in question and as a result Citi ruled in their favor, which I felt was unfair. 

I recently reopened the dispute, provided clear and accurate details as to why I should not be responsible for the charge as it was clear the merchant scammed me by concealing the fact that the goods were damaged when sold to me. Citi still reversed the charge and made me responsible, and I am frustrated because I am the one who was wronged and Citi, as my longtime financial institution, did not work to back me at all and instead backed the merchant. I want this charge removed from my transactions as I do not hold accountability for this charge when the merchant did not provide the expected goods. 

Citi- its a shame you state youre on the side of the account holder when clearly youre not. Also the customer service is beyond horrible now that they outsourced to XXXX ; representatives are rude and do not care to provide good services. After all this I am considering closing my Citi account for good and moving onto better financial service providers who actually back their customers.
Product: Checking or savings account

Opened an account last week, was immediately given approval and access to fund. Funded the account with {$2000.00} from my bank account, and received an " Application Approved '' email on Sunday. By Wednesday, my login information no longer worked on their website or app. They " close my account '' due to " fraud '' even though the only activity is my opening deposit. They won't give me an explanation. They never asked for additional information about my business ( been in business XXXX years ) and simply decided to terminate my relationship after taking my {$2000.00}. I should note, Truist has NOT RETURNED MY DEPOSIT of {$2000.00}. So they took my money, then closed my account. That is incredibly shady and probably illegal. The lack of explanation for closure is bizarre, and also shady. How can there be any indicator of fraud if the only thing that happened was a customer with a perfect XXXX XXXX signed up for an account, funded the account, and then did nothing else for XXXX days until it was mysteriously closed. No explanation whatsoever -- just Truist stealing my money ( or rather, TAKING my money, and NOT returning it to me, however you want to classify that ). Super bizarre and I highly recommend you avoid this bank AT ALL COSTS.
Product: Credit reporting 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.

DEPT OF ED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an 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 of 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

Denied credit. when reviewing credit report from experian found XXXX/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. Experian dispute site non-functional.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had been paying on a mortgage my Mom had with XXXX XXXX XXXX since her passing on XX/XX/XXXX. The scheduled installments were {$300.00} per month. I have always applied additional funds to the payment to accelerate the payoff. 
However, I received a request of renewed Flood Insurance, which I furnished to them as soon as I got the notice, which was in XX/XX/XXXX. In XXXX, I received my new statement which was now {$1200.00} per month. I immediately reached out to XXXX and told me that they couldn't speak to me regarding to account because my name wasn't on the loan. this was a total lie. My name was all over the documents .For this reason, and from this moment on they refused to speak to me in any fashion about this loan, although I was the one making the payments. From this time forward the statements would be {$1200.00}, and since no one would speak with me, I continued to make the regular payments. Until XXXX of XXXX, I noticed that the payments I was making were not being applied to the loan, they were holding them in what the called, suspense. At this point I stopped making payments, and hired an attorney. Still, no one speak to me, or my attorney. this went on until XX/XX/XXXX I made arrangements an paid off the loan. However, they reported me to the credit bureau as a foreclosure. To the point, I was not foreclosed on, therefore there shouldn't have been any reporting. 
So again I tried to speak to someone about this matter, and they referred me to some customer service web site. I explained the situation to them, and asked them to remove the foreclosure report, since there wasn't one. again no response. Til this day I've had two people talk to me in a seventeen month span. I have all the documentation to show that this Institution is criminal in their practices. I was never foreclosed on, please have them remove it from my report. 

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

I am a victim of the Equifax data breach. I went upon the website and I typed in my information and it showed that I was impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Name : XXXX, XXXX, XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Colections : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAME XXXX XXXX XXXX XXXXXXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT MISREPRESENTATION, XXXX  VIOLATIONS, FRAUDULENT CONVEYANCE, THEFT, IDENTITY THEFT, MISUSE OF PERSONAL INFORMATION BY XXXX XXXX XXXX XXXX, XXXX ;
Product: Money transfer, virtual currency, or money service

PayPal - negative {$4100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$4100.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Product: Credit reporting or other personal consumer reports

My CFPB complaint number starting this process is : XXXX 

Today I got an email from Experian saying " Your dispute is completed '' ; when I clicked on it, I needed to enter my Experian user name and password. 

I entered each and got an autormated reply that they were not correct. 

So I went through " forgot username '' ( it sent me back the one I had written down ) and then " forgot password '' ( it again sent me back the one I had written down ). 

When I entered them both, the system again said they were incorrect! 

So I still have not seen their response to my original complaint. 

XXXX XXXX