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

Ive opened a chime account online I got approved I linked my XXXX XXXX account using plaid to my chime account Ive made a opening deposit over XXXX XXXX few days later I seen an email saying my funds are available in my chime account and I went to login to chime and it said my online acces is blocked Ive then contacted them via phone call they asked me to send documents of my drivers license and bank statement so they can verify my identity Ive sent everything and its been over 1 month and I didnt get no updates regarding this
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation. Please remove it as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have not been able to use a monitoring service with Experian for 2 months. My credit report has not updated since XXXX XXXX, 2016 and I have been in contact with the Executive Management with Experian since XXXX/XXXX/2016. I have made 32 phone calls with regards to this since XXXX/XXXX/2016 and spoken to XXXX different people about this issue and I have not been helped. After several months of contacting the staff members of Experian and not being helped I contacted the corporate office who promised me return phone calls, but they never called me back. After reaching out to the corporate office and not being contacted back I contacted XXXX XXXX the Vice President of Information Services by phone and email and she refused to respond to my phone messages left or emails sent. No one at Experian is concerned with the fact that I as a consumer ca n't access my credit report. 

I was a member of Experian 's XXXX Website that should have allowed me receive updated credit reports and scores on a daily basis, but as of XXXX/XXXX/2016 that service no longer worked. Even the people within the credit monitoring department at Experian ca n't update my credit file, but they have not cared one bit to fix this issue or assist me in any regard and this constitutes a breech of contract since I purchased their service that would allow me to update my credit reports and update my credit score on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I heteby acknowledge that the name of this complaint is being submitted through is ( I ) ) And not a credit repair company or any other entity. After reviewing my current credit report on XXXX. I've notice that TransUnion has once again submitted an account under the name XXXX XXXXXX/XX/XXXX XXXX ; original creditor XXXX XXXX XXXX without notice 5 business days prior to reinserting this account. A violation of FCRA rules section 1681. 

Please see attachment This account has been removed, this account was removed in XX/XX/XXXX, but has been reinserted today XX/XX/XXXX. A violation of FCRA rules.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting incorrect inquiries that I do not recognize. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
Product: Mortgage

I am still waiting for a response from Ocwen. Case # XXXX. My first letter was XX/XX/2016. Ocwen responded with nothing more than a copy of my modification. That was n't what I asked for. I sent a follow up letter XX/XX/2016 and have not heard anything. I want an accounting of the numbers used in my modification and if Ocwen is not hiding anything, why wo n't they provide it. I work for XXXX Mortgage and the numbers I am referring to are in the modification waterfall. I provided them in my original letter. Further, when you apply for and are approved for a modification, is the Lender supposed to provide the numbers prior to your acceptance?? They did not. What about the Reg. Z and Reg. X with regard to modifications. Also, I was told the modification was a fixed loan and turns out it is an adjustable. Does the lender not have to provide that information when they are doing a modification? Please respond and have Ocwen provide the calculations used in the modification. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : INQUIRIES : XXXX XX/XX/2022 EQUIFAX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Equifax. It was ignored. 
I filed a complaint with CFPB and Equifax claimed that my student loans are now reflected as XXXX balance... They lied. I have their company response on file and I'll attach it. 
My balance hasn't changed or my status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX Total XXXX XXXX$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. Nelnet- {$3600.00} XXXX. Nelnet- {$3500.00} XXXX. Nelnet- {$2200.00} XXXX. Nelnet- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by Nelnet. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. XXXX removed the fraudulent accounts. However, XXXX and XXXX have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with Nelnet. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Product: Debt collection

I noticed a collection on my credit report for a medical bill that was invalid and that I was unaware of. The account had been sent to collections with CommonWealth Financial. I mailed a certified letter to the collection agency disputing this debt and requesting its validation and/or removal from my credit report. This letter was mailed on XX/XX/XXXX. I waited the customary 30days for a response from the collection agency, but none was ever received. I then mailed another certified letter to CommonWealth Financial requesting validation or removal of the debt from my credit report on XX/XX/XXXX. I have not yet received any response to my disputes from this company. The original debt remains on my credit report, and it is negatively impacting my purchase power as a consumer in good credit standing. I am now completing a complaint with XXXX against CommonWealth Financial for their failure to comply with my repeated request, and their violation of the FCRA and FDCPA, as well as potential state and local laws. I would advise any person that has business with CommonWealth Financial to be cautious of their business practices, their lack of transparency, and willingness to violate the Fair Credit Reporting Acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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: Checking or savings account

I opened a checking account with Citibank that promised {$400.00} cash bonus if I satisfied a series of requirements ( {$15000.00} balance, direct deposit ... ). I satisfied all of the requirements and received an email informing me that I would be receiving the {$400.00} within the next 30 days ( attached as PDF ). I received that email on XX/XX/2019. I have subsequently called Citibank 's customer service 4 times, spoken with supervisors, and had tickets opened investigating why the money has not been deposit into my account. Everyone I have spoken to at Citibank is in complete agreement that I have held up my end of the agreement, as well as that Citibank is in violation of the agreement. Each phone call takes a hour or more and its so unfair that customers have to chase Citibank over and over to receive what they promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX loan company or XXXX shared my loan information to XXXX XXXXl without my permission. 
I paid back my entire loan amount to XXXX XXXX I never wanted any other loans I dont want a loan from XXXX XXXX XXXX XXXX All I could do was delete XXXX XXXX email.
Product: Credit card

I have a credit card through synchrony bank for XXXX as well as for walmart and amazon. I fell behind on my payments and missed a payment XX/XX/XXXX for XXXX. Since XX/XX/XXXX I have made XXXX to XXXX payments every month but XX/XX/XXXX. I new I was behind so I logged in and set up auto payment for XXXX payments ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) to at least pay something until I got my refund XX/XX/XXXX and could pay account off. I have been getting up to XXXX calls a day from them between the XXXX accounts all while I am at work. My job is upset my phone keeps going off I am a Therapist and I can not take calls while in session all day every day. According to the FTC they have harassed me by calling up to 50 times a day, I emailed them ( which I have ) stating I can not take calls do not call me and they continued to do so anyway. I logged into my account and set up these payments within a day or two I got notice that immediately after they closed my account. When I called to ask them about this today I was told that making a payment every month expect one and setting up a payment arrangement was n't good enough. So now, my credit report reflects a bad debt despite me making payments.
Product: Credit card

I received a letter ( dated XX/XX/XXXX ) informing me that my Macys American Express account was previously closed and I would be receiving a new card. The last four numbers of the account are different from the Macys store credit card. I tried calling the number shown in the letter several times only to be told the wait time was more than 30 minutes. I found another number and called that only to get the same wait time information. I never had a Macys American Express card nor do I want one. All I want to do is cancel this credit card that I did not request or apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. Please update or correct this immediately : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX   XXXX  ( Original Creditor : 11 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Mortgage

Charged the incorrect amount on XX/XX/23. Escrow statement dated XX/XX/23 says my new payment is {$1400.00}, effective XX/XX/23. I was charged {$2200.00} on XX/XX/23. Want the charge reversed and the correct charge effectuated. 

I called in no less than 4 times about this matter in advance and promised that I would be charged the correct amount. 

I've had to make a CFBP complaint 4 times now because Freedom makes so many mistakes and the folks there seem to be unable to manage my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX the XXXX family froze it I need a hearing I reported XXXX XXXX XXXX XXXX who files new mortgages daily XXXX harassment XXXX XXXX XXXX terminated my employment demanding XXXX XXXX XXXX drug addict woman I filed bankruptcy ch XXXX XXXX XXXX XXXX XXXX I need a loan to file legal proceeding XXXX XXXX appointed XXXX XXXX XXXX appointed assembly he arrested XXXX XXXX XXXX XXXX gaming commission The XXXX XXXX XXXX XXXX human service XXXX @ XXXX XXXX move int XXXX XXXX please read XXXX XXXX XXXX please XXXX XXXX / XXXX XXXX IRS / XXXX the check XXXX XXXX XXXX restraint XXXX XXXX 2001 XXXX XXXX crash crew XXXX XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$5700.00}
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. Please send proof of the reinvestigation of these accounts because the information provided show several different dates and account balances According to15 U.S.C 1666B The timing of payments creditors 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.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : Previous Address ( es ) : 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 TransUnion : 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

I contacted Chase and applied for a mortgage refinance with Chase. I provided all information about my situation up front. I was told that I qualified for the refinance, and I needed to make a {$500.00} deposit on the transaction, which I paid. They used the information that I provided before I made the deposit to reject my refinance application. I was told I would receive a refund for the {$500.00} deposit since the information used to deny me was all given before I made the deposit. I have not received the refund, and they will not return my phone calls or emails for a status update on the refund.
Product: Credit reporting

I supplied a " statement of up to XXXX words '' some years ago regarding this debt. The credit reporting company has failed to report my explanation of this disputed debt to XXXX Bank, resulting in the denial of my application for credit.