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

Transunion has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Transunion is willfully furnishing this incorrect information. Transunion stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Transunion also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Transunion did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Transunion verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX AS REPORTED
Product: Mortgage

My account has been under review for loan modification since XX/XX/2021. It has been more than 2 months already and I keep on calling to check what is the status of my application and every time I call they say its still under review but it should not take longer than the promised 30 day period. My lender is not helping me save my house but giving me delaying tactics until it reaches my sales date.
Product: Mortgage

Ditech has failed to address my prior three complaints. The response Ditech gives does not align with the action Ditech has taken. Ditech claims to have taken action and has not fulfilled what they stated they will do. Pictures are attached. 

I am seeking restitution of all late fees due to Ditechs failure to properly and legally apply payments ( instead, they have and continue being held as unapplied funds and are not applied to my loan ). Also, no notice was received regarding change to my payment amount. Ditech claims to have sent this, and it was never received. In previous message, company apologied for handling my account inefficiently.
Product: Checking or savings account

On XX/XX/2022, my account funds were depleted due to 4 unauthorized transactions via XXXX ( time stamps show these transactions were initiated in 60 seconds ). As a result, my account was overdrawn. 

I called Chime as soon as I noted the activity and had my card cancelled and re-issued. I waited until activity posted to initiate a dispute. 

Meanwhile, same day I spoke with XXXX customer service who confirmed these transactions were not made under my XXXX account. 

At approximately XXXX on XX/XX/2022 I observed the charges had posted to the account and immediately contacted Chime to initiate the dispute process. 

Immediately following the call, I sent an email to Chime ( per the request of the dispute team ) with following details : Name, date and time of call with XXXX Screenshot taken of my account history with XXXX showing that there were no transactions initiated by me for the amounts of the activity in dispute. 

It's worth noting, that XXXX customer care was not available as my dispute was initiated outside of the merchant hours. 
To my dismay, at XXXX ( less than 2 hours later ) I received an email stating my dispute was being denied as they found no evidence of error. 
TAt XXXX I received notification that my claim was reopened after being in receipt of rebuttal documentation. I never sent further documentation. This suggests that Chime has an automated process in place to deny claims without investigation as my evidence was not taken into account before closing my claim. 

I was then advised via email sent at XXXX that per my request the claim was reopened and upon review, the decision to deny my claim would remain. 


AS of XXXX I received documentation from Chime in support of their decision to deny my claim. 

Their decision ( per the notification I received ) was made because of hte following : I had the card in my possession No lost/stolen items reported ( I '' m assuming like a wallet or purse ) I initiated a XXXX transfer not long before the activity. 

I've replied back explaining the transfer I initiated which was to cover what would have been insufficient funds for an AUTHORIZED transaction which still was returned unpaid as my account was depleted by the activity with XXXX. 

AS of writing this complaint, Chime has failed to comply with XXXX regulations, provided insufficient documentation. Clearly has an insufficient program in place to protect its customers. 

I will be contacting a lawyer to seek assistance in recovering my funds + legal fees against Chime. 
I've attempted to contact XXXX Bank ( with whom Chime partners with to provide these services ). Attempts to reach XXXX were unsuccessful as their phone menu redirects all Chime customers back to Chime. 

Further, the team handling disputes at Chime appears to be only in place to record the complaints but that investigations are conducted by a separate team with whom customers are NOT given the ability to communicate with outside of emails. Something must be done, XXXX should be held liable for facilitating a partnership with this company. Chime should be further scrutinized for misleading its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several items to dispute on my credit report with supporting documentation. I started the dispute online and was only able to upload 3 items. Once I logged back in to upload the rest of my supporting documentation, I was locked out of the dispute center. I called in to customer service and was advised that I would now need to mail in the items. I proceeded to mail in the items USPS express mail and paid {$25.00} for this service. I was told the information would be reviewed within 5 days of receipt. When I called back in to check on the status. The package was delivered on XX/XX/XXXX, but I was told that I would have to wait until XX/XX/XXXX for a status on the disputes. On XX/XX/XXXX, I received a response to the disputes in the mail, but it was in XXXX. I will attach this letter for review.
Product: Checking or savings account

I have had a business checking account with Chase for several years now. I recently attempted to open a new business account and was approved. Then, because I was using XXXX software to protect privacy ( according to Chase ), my bank accounts were blocked and shutdown by Chase due to suspicious IP address activity. I then repeatedly, over and over and over again called Chase and verified my identity and was able to have the checking accounts reactivated and unblocked. However, despite repeatedly being told by Chase that there was not a problem, Chase has continued to block and deactivate my checking accounts. I will then call Chase and verify my identity and be told that Chase made an error or mistake and that I would be provided access to my accounts again. And for a day or XXXX I will have access to my accounts. Then Chase will block them again and I will have to repeatedly call, verify my identity and get the accounts unblocked. Then, a day or XXXX later, Chase will block them again for no reason and I will have to go through the same process. I have spent HOURS, upon HOURS on the phone with Chase for over a week dealing with this issue. I am repeatedly told that Chase has made a mistake and that the issue is resolved. But it's not. Chase is denying me access to my money, they are interfering with my business operations, and they are causing me to be unable to perform my military job. This has been XXXX of the worst experiences I have ever had. Chase refuses to get this issue resolved.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX loan, cosigned by my mother. My ex boyfriend managed to tap into the pay out. Im On an unpaid status with XXXX XXXXXXXX XXXX living in low income housing. Im A veteran with XXXX student loan debt. I need assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COLLECTION WAS REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) XXXX XXXX XXXX {$8800.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX Bank for engaging in deceptive, inaccurate, and abusive credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

FCRA Violations by XXXX XXXX XXXX  : XXXX. Illegal and Repetitive Charge-Off Reporting : XXXX XXXX XXXX  has XXXX reporting a charge-off on my account every single month throughout XXXX and XXXX, which is factually and legally incorrect. 
A creditor is only permitted to report a charge-off once, not on a recurring basis. This misleading practice is designed to artificially extend the negative impact on my credit and is a clear violation of FCRA guidelines.

2. Retaliatory and Conflicting Reporting After Dispute : After I disputed this fraudulent reporting, XXXX XXXX XXXX  falsely updated my account as Open and Over the Credit Limit. 
This is completely inaccurate and deceptive because a charged-off account can not remain open or have an active over-the-limit balance.

This misrepresentation is an intentional attempt to damage my credit standing and is a direct violation of 15 U.S.C. 1681s-2 ( a ) (
1 ) ( B ), which prohibits the reporting of inaccurate information.
Product: Mortgage

Country Place Mortgage has failed for the second year in a row to make timely payments from escrow for my hazard insurance, resulting in cancellation of the policy. We have been trying to rectify the situation for four days now, but leave messages with no return call, or when they do answer, feel as if we are getting the run-around. I was finally able to talk to a supervisor. She blamed it on the fact that the company switched insurance trackers in XXXX. When I asked if they swapped companies last year because it happened then, too, the system was down so she could n't check. I refused to hang up and said I would hold. She finally got back to me, though the system was still down, with the reason being the insurance company only billed for the minimum amount due. ( ..last year they never received the bill. ) They are n't able to make partial payments and must pay the full amount. They cancelled the minimum payment, and, since the bill was only for the minimum amount and they did n't know the total amount due, no payment was made. She could n't explain why we were n't contacted, just that it is n't the customer 's problem to have to deal with. I asked what would happen if disaster struck. She answered they had a blanket policy, but could n't assure me that my interests were protected with that policy or just her company 's. When I asked about last year 's issue, the excuse was that they did n't receive a bill. Before I got off the phone, she assured me a credit card payment was made on my behalf, but could n't give me a confirmation number, rather they would email me with the information. I have n't received that yet. I have done a little research and it seems that there are rules in place to make sure that timely payments are made. I interpret that to mean " on-time. '' I inquired about what I could do to be responsible for the payment myself, but she informed me that, per my loan, that is n't allowed. What can I do to make sure this does n't continue to happen? To make sure that my property is protected in these types of instances?
Product: Checking or savings account

Account and funds being overdrawn and not properly credited funds were available mysteriously funds were missing
Product: Debt collection

Law offices of Howard Lee Schiff sent me a letter stating I owed XXXX 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of Howard Lee Schiff and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I submitted my initial complaint against XXXX XXXX. It is as follows : On XX/XX/XXXX of XXXX I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXX XXXX that same day. On XX/XX/XXXX of XXXX I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of XXXX I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my XXXX and Experian reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.
Product: Money transfer, virtual currency, or money service

Coinbase global says I dont have an account Ive contacted them several times since XX/XX/2021 its about those guys the Feds arrested
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My auto finance loan was set up for auto pay. The last payment of my loan was never automatically taken and I had no idea. I had bought a home in XX/XX/2108 and I had moved from my apartment. My address was never updated. I never received a letter from TD Auto Finance that I was missing my very last payment of a 6 yr loan that I had paid monthly on-time, every time. I assumed the car loan was paid off. Around XXXX I received some vague phone calls from TD autofinance asking me for my information to confirm who I was. At first I was skeptical as I had no idea what they were calling about because they refused to give me any information and I thought the call was someone trying to obtain my personal information. I then logged into my TD bank account and realized I still had a balance which I didn't know why. I finally called the TD Bank phone number back and was told that since my payment was for less than my monthly payment, the Auto Payment wouldn't go automatically. I paid the balance on the phone that day and thought everything was ok. I recently applied for a credit card and was denied due to my credit report. I obtained my credit report and it states that I have bad credit due to this incident with TD Bank Auto Finance. I am unsure why this wasn't cleared. To date I still do not have any letter or email notifying me of my payment being overdue or the threat of this ruining my credit score. I am very upset since my credit has always been relatively VERY GOOD and this error was not entirely my fault. Shouldn't I be notified via email or at least within 30 days by phone of this issue and not 90 days later? What is TD Bank 's gain for not clearing this? I can't even login to their account for additional information because they closed my account since my loan is done.
Product: Credit reporting or other personal consumer reports

This financial institution was asked in writing to remove a good faith credit inquiry and refuses to remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX Act : XXXX ( XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Equifax and XXXX is violating my rights I did not give written permission to report this on my credit report Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 XXXX days before the payment due date.

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

There have been 15 unauthorized Inquiries on my Trans Union credit report. That I did not authorize. 
XXXX XXXX XXXX XXXX XXXX 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, XX/XX/XXXX, XX/XX/XXXX Please Remove these unauthorized Inquiries Sincerely, XXXX XXXX
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.