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

On Saturday XX/XX/XXXX I submitted a dispute for several fraudulent transactions with chime. I had stopped using chime back in XXXX of 2022 because I believed they were scamming me because of the money that was being taken out of my account without my knowledge and i had also had my phone stolen at work with my chime card and ssi & ID in the back of my phone case. I told them I believed thats how i was scammed for all of those fraudulent transactions that I disputed and also that money from my job had still been posting in my chime account after i had stopped using it because i was unable to change my direct deposit information with my job because i couldnt access my chime account anymore so I didnt have access to my routing and account number but i still had my card connected to my apple pay which I eventually stopped using because i was getting paid but most time my card on apple pay was declined because i was still being scammed out my money. Ive tried ordering new cards several time before I completely stopped using chime however the same thing was happening with each card and chime couldnt figure out how to stop it. 
A few days ago i tried to create a new chime bank account because i had completely forgotten about my old scammed chime account but that app prompted me to sign into my old account Chime told me that they would do a complete investigation and let me know of the results. 
However, on Sunday XX/XX/XXXX at XXXX i got an email from chime stating Hello XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I emailed them back for the documentation on how they did the dispute and verified the information was inaccurate. I also asked how is it possible that a investigation for 20+ transactions had been completed in less than 1 day. 
I truly believe chime did not do any investigation at all and that they lied about my investigation/dispute They have been unable to provide me with the documents and dispute information. In fact, they said id have to wait 10+ business days to receive that information in mail because they arent going to email it to me I found this very unfortunate. 

Here are my reference numbers for my disputes XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX ; CREDIT BUREAU ; XXXX ; XXXX ; EXP ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me. 

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of them, and the company acted without my permission.
Product: Credit card or prepaid card

Credit card with Indigo seviced by XXXX and XXXX XXXX XXXX. I have only used the card 1 or 2 time and was under my balance at all times. I made payments on time and then was told to make a payment of {$170.00}. I told them I could not make that type of payment but would set up a plan to pay {$50.00} on the XXXX of each month and on the XXXX of each month. I made these payments direct withdrawal. My problem has been because I could not make the XXXX they have continued to charge me a late fee every month for the last 6 months and have reported to my credit card rating which has taken my score to the depths. They have collected interest on this amount as well as one of the {$50.00} payments XXXX goes to late fees. I want to get out from under them but they way it is going it seems to be an impossible task.I am a XXXX year old woman on a fixed income and have always keep my payments current. This company makes it almost impossible. Any help would be greatly appreciated. Thank you so much XXXX XXXX . The Indigo cards last 4 numbers are XXXX and my email address is XXXX. phone # XXXX.
Product: Checking or savings account

Chime closed my account due to fraud which stopped a transfer I initiated from my XXXX account to my chime account so I contacted chime to see why and they said due a {$200.00} transfer that I initiated to my chime account from my XXXX and the only way I can get my account back is provide them a letter from XXXX saying that my account was hacked into and XXXX froze my account so contacted XXXX and XXXX had me to put call Chime on XXXX XXXXXXXX XXXX told Chime that they put a freeze on my account because someone hacked into my Account and took all of My funds out and I had to dispute them all and Chime still told XXXX they had to provide them a letter and bank statement saying that so XXXX said they couldnt generate that letter or bank statement because it didnt gong through So I called Chime today and ask them about the funds left in my Chime account they guy told me I couldnt get my find a out until I provided the documents they asked for after I told them that XXXX  couldnt generate the letter or bank stat.
Product: Mortgage

I was approved for HAF payments for 18 months. The last couple of months I have had to file a complaint to get my payment posted. When I call shellpoint they cant say weather or not a payment has been recieved on my behalf.
Product: Debt collection

I received a call at work today from XXXX who said he was with XXXX. Refused to provide any information other than he had been trying to deliver documents to my address from HC. When pressed for information I was transferred to someone else who refused to provide the name of the company he worked for or contact information and told me if I did n't set up a payment plan with him then " good luck to me ''. I requested verification of any debt owed and was told it had been sent previously and would not be sent again. I never received anything from this company for any supposed debt owed. Since that time this morning, they have contacted XXXX co-workers, my son, my sister-in-law and nephew ( both of which live XXXX miles away ) and who I have never given any information on to anyone. I was told these are legal documents to be delivered and if I was n't home today to receive them they would be showing up at my place of employment. Again, they refused to provide any information or verification of any debt they claim I owe.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX and XXXX XXXX I conducted a Bank Wire Withdrawal with Coinbase App. Coinbase did not imform me they were having delays with their Bank Wire option and charged me a service fee of {$25.00} for each Bank Wire. 

On their website it states bank wires are immediate or 1-2 business days unless submitted after XXXX. Well its XXXX XXXX now and I still have not received my monies from them. I have communicated with them VIA phone call. After hour long hold, they did not give me an estimate on when I will have my funds released to me from them. I have opened to escalation tickets and no replies from them. I have even tried getting their attention on XXXX and no replies back on the matter. 

I am waiting for {$570.00} in total. When I first spoke to a Coinbase representative on XXXX XXXX they stated that the only thing they can do is escalade the matter. I requested a refund of the two {$25.00} wire service fees but was denied. The second time I called on XXXX XXXX They told me they are having small delays and I should have my monies soon but could not give be a solid estimation. On their website by time it stated they are having 1-10 business day delays on wire withdrawals. The third time I called I got the same information, they do n't know when they will have the monies in my bank as promised before. 

Its been 20 business day Coinbase has not paid my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

BRIDGECREST CREDIT C and XXXX XXXX XXXX C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
Product: Debt collection

I contacted Kenneth, Eisen & Associates , Ltd. at ( XXXX ) XXXX. I called to ask why I was showing a flag from them on my credit report. They gave me the information about the bill and I let them know that it was not accurate information. They tried to get me to confirm personal contact information and I let them know that the date they are saying I gave birth is wrong. They changed the tone of their voice and said well this has never happened and was trying to start an argument with me. I did not respond and just asked for the correct spelling of the provider they were trying to seek payment for and the number to contact the provider.
Product: Credit reporting or other personal consumer reports

The items in question on my credit report are currently involved in pending litigation due to reporting errors. As a result, these items can not be verified during the litigation process. Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from a credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15
U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts Im talking about it XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently tried to purchase an XXXX  and my transaction was declined for inadequate balance according to my bank when I was under the impression that I have more than that in my account or better I should have more than that, only to discover several unauthorized transactions of which most where multiple transactions from Company or Businesses I've never done business with before, my jaw was on the flow upon this realization and wondering why is it that my bank will allow merchants that i've never had contact in the past access to my account without notifying me. I'm currently on the phone with the bank rep who is initiating a fraud claim regarding this transactions and as that its taking place I am filing this claim because of the bank 's negligence in protecting my account. 

Bank Claim # XXXX # XXXX # XXXX
Product: Debt collection

I work at a XXXX. THe following person keeps calling here and harrassing us. XXXX XXXX XXXX HE calls here sometimes XXXX times in a row. We are an XXXX. Every time he calls the employee he needs in XXXX OR not even here. When he starts to yell at me I have been told to hang up by my XXXX. He will call back and ask " is this the ignorant person i was just talking to? '' " you ; re not very smart! '' I have had at least XXXX calls in the past two weeks. Our district attorney has been contacted to stop the harrassment also.
Product: Credit reporting or other personal consumer reports

Transunion did not remove and update my credit report as requested in the dispute. 
TransUnion is still reporting invalid and inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed proof ( XXXX ) and most recently AGAIN to both XXXX and XXXX that items on my credit report were either not mine ( I was a victim of identity fraud ) or they were inaccurate yet my score with each continues to decrease. When I try now to dispute yet again, both companies have me locked out so that I ca n't even access it online anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX, XXXX, Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


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

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
Product: Debt collection

I had a car that I had previously sold that was towed by XXXX XXXX XXXX. I spoke with the company and they informed me that since I had filed out the " Release of Liability '' that the car was no longer mine and that I would not be charged and to ignore the bill that was sent in the mail. I have now received a letter from " Lien Enforcement , Inc that I now owe them money? I have the letter from the DMV showing the release of liability was filled out and processed before the car was towed. I am going to attach this paperwork if the app allows me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX 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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

Nothing but problems trying to dispute or follow-up on outdated or incorrect listings on my credit report, since XXXX. The website is down or broken half the time. They removed their 'Chat ' feature, where you could instantly converse with a licensed agent about problems with your report. Instant repetitious errors, when clicking into an incorrect item, telling you " sorry, but this has already been disputed. Can not investigate at this time '' nonsense. More than a dozen items found on my current report that are duplicated, outdated, or grossly incorrect, that I've been unable to update, because of their garbage website. Nobody is at the wheel. I've already filed three ( 3 ) separate, recent complaints against them, to the XXXX. And received the following email response - that I needed to " call the XXXX XXXX XXXX  XXXX. '' Which I did. And the SAME response - They couldn't help me. Nothing but ludicrous runaround. Well, I checked into this, and discovered there are several pending lawsuits against Experian for 'abandonment ' over their deliberate lack of follow-up with, or disregard for Consumer information/ concerns. 

You appear to be my last hope, in getting matters with my personal credit report, corrected/repaired. My score in XX/XX/XXXX was at XXXX. Now six ( 6 ) months later, it's at XXXX, because of these errors. 

Thank you in advance, for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my consumer reports : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX ( XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my numerous efforts, these items remain on my report, negatively impacting my credit score. I have already contacted your office on four separate occasions, providing evidence of fraud and requesting the removal of these items. Enclosed, please find copies of my previous dispute letters and your responses, along with additional supporting documentation. Given the ongoing nature of this issue and the lack of resolution, I am requesting immediate action to delete these fraudulent items from my credit report. Failure to do so will leave me no choice but to escalate this matter further. Kindly help me remove the following items immediately : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with Experian on my credit report. My rights as a consumer rights have been violated, I am highly disappointed that you refuse to follow the laws that were written by the FCRA. I have requested a thorough investigation and have asked for the original signed documents of this alleged debt. You have refused to send them and have refused to investigate this alleged debt correctly. 

Not only that you my rights as the consumer have been violated according to 15 U.S.C 1681 ( b ). Permissible purpose, 15 U.S.C. 1681b ( 2 ), in accordance with the written instructions of the consumer to whom it relates.

I Consumer, XXXX  never gave any written consent to put this alleged debt on my credit report/file.

15 U.S.C. 1681 ( a ). accuracy and fairness of my credit report.
Product: Debt collection

XXXX XXXX  XXXX debt collection company sent me repeated emails and mailed letters in XX/XX/XXXX to XX/XX/XXXX threating to sue me for {$14000.00}. They eventually filed a civil sue against me for a loan from another creditor. I filed a response in court within 14 days of being served. This company is still sending me repeated emails after i have filed my legal response with the courts. I have repeatedly explained my situation and details about this debt. I have nothing further to share with them about this suit.