23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently filed a claim for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. 

I sent over all the necessary documentation to Chime ( including a dated credit slip screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. 

Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.
Product: Credit reporting or other personal consumer reports

Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter 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. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, XXXX, Equifax and XXXX are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report
Product: Credit reporting or other personal consumer reports

Equifax is continuing to report information that was identified as a result of identity theft and they refuse to delete the information. There is an inquiry reporting that was not authorized by me. They were provided an FTC identity theft report back in XXXX and have still reported the inquiry as accurate. I have attached a police report and another FTC report that states I did not authorize this inquiry and it's the result of identity theft as I have no credit account attached to this inquiry. Please delete the following : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I pulled all three credit reports. I noticed an account from Portfolio Recovery Associates, LLC. In XX/XX/XXXX I disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC. ( Letter enclosed ) Prior to this Portfolio Recovery Associates, LLC did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage several weeks ago to find Equifax blocked my consumer file from lenders deleting my student loan and refusal to report credit items being reported by newly opened accounts through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 



I submitted a dispute regarding the deletion of my student loan in the amount of {$1900.00} from my Equifax file XX/XX/XXXX. Contacted Equifax they stated I must submit request to Creditor. XXXX was contacted via phone and in writing. Result of XXXX investigation showed account was deleted by Equifax and to contact them in writing along with letter provided with results of their findings. Equifax claim creditor can not contact them to have account re-opened without my authorization. 

I've made several request to Equifax requesting XXXXt account to be reinstated over the last 12 months upon notice. Equifax denies all my request to reinstate account rather over the phone or in writing requesting that I send in my identification, social security card, and proof of residency over and over again. 

As of today XX/XX/XXXX Equifax state their is nothing they can do to report my student loan opened XXXX.
Product: Credit card

JCPenny credit card - issued and managed by XXXX XXXX. 
XX/XX/XXXX - Called and explained the bill I missed due date, a deal given was to pay off original charge {$250.00} on XXXX and waived interest and fee of {$37.00}, which was qual to total balance was {$290.00}, I was told I was clean owing nothing. 

XX/XX/XXXX - found I still got charged on interest {$3.00} and {$2.00} fee, called twice, agents were very rude by telling different rediculous reasons- one said it's system issue couldn't do anything, the other said due to policy/term changes. Asked esclating and told " whoever you talk will have same answer '', I asked to talk to customer complain/relations then was told " no customer complain/relation department. 

XX/XX/XXXX - called JCPenny for help, it transfered my call to Synchrony, I got kicked to amazing the same overseas team handling my request before, even after I expressed clearly to file complaining to Synchrony 's headquarters or customer relations department. The same team with three roles - athelete/referer/policy maker, file a complaint to themselves? Totally waste time and got yelled. I learned! 

It's small amount of money, but customers should be treated fairly and with dignity/respect. As a bank most important is your credit and people 's trust. You can't develop into a big bank if you only issue cards as many as you can but ignore or without service. Your overseas service team is really helpless at all, most importantly they don't like their job except making money there!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONSUMER PORTFOLIO SVC HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.
Product: Mortgage

2nd complaint Reference # XXXX I have called everyday and automatically placed on hold for long periods of time TODAY ( 2days before foreclosure ) I am on hold now for 36min and still waiting PHH has set up 3dates for telephone conference which THEY NEVER CALLED CAM YOU HELP PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sick of this and it shouldnt be so hard but you give me the freaking blues about accounts i didnt open. These accounts do not belong to me. 
Also, you can not report income on my credit. When you charged this account off youdid it as income. the irs defines a charge off as ordinary income or 1099C in which I did not receive. This is no longer a debt. income does not get reported on a consumer report and canceled debt. 

A chargeoff is gross and ordinary income, it is a canceled debt. under fairness and accuracy of reporting, a chargeoff is not supposed to be on my credit report 1681eb. 

the agencies dont even have account numbers : XXXX  XXXX {$400.00} XXXX XXXX {$750.00} XXXX  XXXX XXXX  {$0.00} XXXX XXXX {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with Experian and XXXX  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.
Product: Debt collection

Yesterday, XX/XX/2020, I received a call to my phone number in which the first time that I ring I did not answer because I rarely answer unknown numbers but I check the voicemails hoping to obtain information from the person before contacting them, in this case, there was no voice mail. 

After a couple of seconds, the same number tried to contact which I answered, a man showed up and indicated that he could not leave the voice message so he called me again followed by the mini-Miranda. 

I present myself that debt for a moving fee that I had had been taken into the hands of a third party for its collection, a debt that I was aware of but had never been contacted by phone or email, but by mail using the address of the apartment that had been delivered which is the reason for the deduction, which seemed inefficient to me that the contact was through an address that they knew was no longer living. 

While the call was developing, I expressed my desire to pay the debt because I was only waiting to be contacted, however, he indicated that they were not taking XXXX XXXX, so request that you call me the next day or the following Friday to make the payment. 

This is when he began to insinuate that he did not want to start calling me constantly and so it was better that he pay my debt now, I pointed out that this was not a fair practice of collections that can only call me once a day, in which he replied that he only wanted to help me so that my debt is not reflected in my credit and at the same time save me money. 

I told him that what he was saying was considered harassment and that he did not understand why I wanted to pay this debt as soon as possible, only at that exact moment I did not have my cards in addition to XXXX and that I should take it easy and stop carry out this type of illegal collection, in which he replied and a rephrase " I see that you have a plan '' a phrase that left me in shock and told him that I could not continue in this type of call, immediately afterward he told me that I was leaving transfer with your manager, then I hung up the call. 

Today XX/XX/XXXX I made the total payment of my debt of {$3200.00}, as it was my intention from the beginning, however, I feel that I have been the victim of an unfair collection act. 

In the first instance, I should not have been contacted more than once to the same number, granting that they could not leave a voice message on the first call. 

Second, instigating myself to pay when I clearly told him that I was going to pay the next day, in addition to the threats that could affect my credit and that they were going to start calling me constantly, and to complete assuming that I had planned all this to not pay or some act to evade my debt. 

My credit is impeccable as I have never missed a debtor tried to get away with it as suggested by the debt collector.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit card or prepaid card

Date reported- XX/XX/2018 Charge off amount- {$530.00} Lost my job so wasn't able to make my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account number ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX XXXX  dated XXXX. XXXX, XXXX. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on the Experian Credit Report is incorrect with the exception of one name, one address, one year of birth. That correct data is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX DOB XX/XX/XXXX, and with one state ID ( no drivers license ) NV State ID = XXXX I was XXXX during the XXXX XXXX into the early XXXX XXXX 

The creditors - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 

During the years I supposedly went into debt with these companies, I was XXXX and not only unable to use their service but had no access to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXILXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Credit Collections Services attempted to collect on an account that was never mine. I am not sure if this is identity theft or a scam collection attempt but regardless, I want the damage to my credit fixed immediately or I will have to waste time and resources pursuing this case legally. I have uploaded identity theft report and also information on what was reported to credit bureaus to better identify fraud account further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask that Experian fix the below errors on my credit report that I've either already disputed or there is no section to add the particular dispute. 

I respectfully ask that the CFPB leave this complaint open until Experian provides an updated credit report to me, in-hand, not simply when they reply to this complaint and say, " we'll investigate but it could take some time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX