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

I have contacted Chime ( XXXX ) several times since XX/XX/XXXX regarding the XXXX XXXX XXXX  I had loaded the card with {$150.00} and only used {$120.00} which was paid in full before the billing cycle was complete. I continued to receive emails and notifications that my payment was past due and that my card had been deactivated. 

I spoke with several agents who advised me to simply make the payment again then transfer the funds to my checking and simply not use the card and this would not continue to happen nor would my credit be affected. 

This Monday XX/XX/22 I checked my XXXX XXXX account and to my surprise my credit score had dropped XXXX points because of late payment referring to the Chime XXXX XXXX XXXX. I spoke with a rep immediately that day to express my frustrations as I had called several times from XX/XX/22 until this point because despite what the reps told me I continued to receive emails saying my payment was past due. I was told to disregard those emails and that nothing would be reported. On my call on XX/XX/22 the rep told me someone from their team would be contacting me within 24 hours to resolve this issue. I have yet to be contacted.
Product: Debt collection

I rent for a year on those apartments and as soon I want to move out I ask them 4 months prior how many day notice should give them and they said 30 day notice I, my contract was over in XX/XX/2023 I give my notice XX/XX/2023 I have proof of that and I paid everything before I move out! 
1 year later I got a letter that I was on debt because they put an eviction on me when I was 100 % I paid everything I went to the apartments and they told me old manager do fraud on more than 10 people with the same thing! I also notice that they put in the description I was moving out because I lost my job something that isnt true
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX/ {$6000.00} / XX/XX/2022
Product: Debt collection

I was contacted by a collection agency. The agency information was incorrect. The address, visa card bank name and amount of {$5000.00} was definitely not me. The agency name and email is XXXX I will be providing my credit report from the beginning of the year. I am attaching my recent report as well due to cleaning up my credit report from the new year.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

[ Identify item ( s ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/XXXX through XX/XX/XXXX, Experian has not provided information regarding their investigation reports, verification process, and has continued to wilfully report damaging information on my consumer report. Their negligence has caused significant negative impact on my credit approval. I have made many attempts in requesting the accounts in dispute be investigated, all of which have seemingly been ignored.
Product: Mortgage

I live in XXXX, Florida. I took a 2016 HELOC from Wells on my residence. I drew down approximately {$68000.00}, with {$50000.00} approximate placed in one account, and {$18000.00} in a second account. Wells was taking {$420.00} each month from the smaller account. When that account was depleted, Wells did not draw on the larger account. Wells filed to foreclose on my home for the total draw amount. When I asked for information on the larger account, Wells would only advise that the account had been closed, with no other information available. Based on what little Wells has provided, I believe the amount diverted/retained/stolen to be {$48000.00} approx. There are additional amounts due, such as overcharging interest, but I can not calculate that without further records. I have filed a Counterclaim in the Wells foreclosure lawsuit against me, seeking additional damages.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You
are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the prolonged delay in the removal of fraudulent items from my credit report, despite multiple attempts to address this issue. The presence of these fraudulent entries continues to unjustly impact my creditworthiness and financial standing, necessitating urgent action from your agency. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit report. Each time, I have provided substantial evidence and documentation to support my claims, including affidavits, police reports, and any other relevant information. Despite my persistent efforts, the fraudulent items persist, causing significant distress and frustration. 

The prolonged presence of these fraudulent items has had severe repercussions on my financial well-being. It has unfairly tarnished my credit history, making it challenging to obtain credit, secure loans, and access financial services. Furthermore, it has caused considerable stress and anxiety as I continue to navigate through the dispute process without resolution. 

Given the multiple attempts made to address this issue, I urge your agency to prioritize the swift removal of the fraudulent items from my credit report. Specifically, I request that : The fraudulent items be thoroughly reviewed and promptly removed from my credit report without further delay. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar occurrences in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

I ordered copies of my credit report and noticed an account with National Credit Adjusters in the amount of {$1200.00}. I immediately filed a dispute with the bureaus to dispute the debt and additionally forwarded correspondence to National Credit Adjusters to validate and verify this debt by providing signed contract information and other various debt validation information ( creditor, debt amount, what the debt pertains to, contracts, interest, fees, etc ). 

By law I am aware that dunning letters are supposed to be sent to consumers to allow them an opportunity to dispute accounts/debts within 30 days. To my knowledge, I have never received a dunning letter from National Credit Adjusters, nor can recall engaging in business with National Credit Adjusters. 

On XX/XX/2017, I received a response letter from National Credit Adjusters informing me that they were in receipt of my dispute, and that per their letter, " To properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for research and investigation. '' This response is alarming! Per the FCRA and the Texas Finance Code, by law a company should be able to validate/verify a debt, and in the event they are aware that they can not within 30 days, they need to remove the trade line from the credit files. 

By law, this information is not supposed to report on a credit file with XXXX, XXXX and XXXX unless it was substantially verified and validated with the required information as established by the FCRA. Therefore, if this was completed, 30 days is sufficient time to furnish the information to a consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully looking over my credit report I ran across several items that are reporting incorrectly on my credit report. I then called Experian and they refused to remove the items because they claim a creditor is reporting it that way. But I told them it is incorrect and they refused. I even went online and disputed this with Experian as well and it will not give you the option to dispute on their website because they are claiming these items are reported. they are reporting inaccurate, unverified, untrue information on my credit report. Causing severe damage, stress, and mentally draining me. I am attaching my letter to this claim that I have submitted to Experian as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account that appears on my credit report. The account in question is listed as Source Receivable Manager with a balance of {$810.00}. I believe that this information is inaccurate and I request that it be removed from my credit report. 

I am requesting a thorough investigation into this matter and ask that you provide me with a written explanation of the results of your investigation. If it is determined that the collection account is indeed inaccurate, I request that it be promptly removed from my credit report. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate disputes within 30 days of receiving them. I trust that you will conduct a fair and timely investigation into this matter. 

Thank you for your attention to this dispute. Please feel free to contact me if you require any additional information.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX- OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following Items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I have an unverified account from CAINE & WEINER. I had previously disputed this account. I have never done business with CAINE & WEINER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEINER provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEINER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

This complaint is in response to closed CFPB case to Equifax ID # XXXX submitted on XX/XX/2024. 

ATTN : Equifax Equifax Response States : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. 

This was not a valid response to the issue at hand. As mentioned in case # XXXX. Documents have been provided to prove that this account has been discharged per the IRS 1099C cancellation of debt that was processed by the company which should have resulted in a {$0.00} balance for this account, instead XXXX has now sold the account to a third party to collect on a debt that has been cancelled. This account should not be on my credit report. This is a breach of TILA and my consumer rights are being violated.
Product: Credit reporting

Experian In CFPB complaint XXXX and XXXX stated that XXXX XXXX XXXX which appears on Experians credit report with account XXXX ... had each time Experian contacted XXXX XXXX XXXX verified the debt and noted that I disputed the account. However, the fact that XXXX XXXX XXXX which lists a XXXX, XXXX XXXX MN XXXX and which the Minesota XXXX has confirmed that all mail to that XXXX is returned as non-deliverable lists an address identification number XXXX which belongs to XXXX needs to be clarified. This is the first time I have ever seen a company use another companies address identification number without authorization and suggests that XXXX XXXX XXXX does not have an address identification number with Experian which also would indicate they are not authorized to place any account with Experian. I have no doubt when Experian investigates the unauthorized use of XXXX XXXX address identification number Experian will delete this account from my credit report or at the very least provide and explanation as to why a company in Minnesota is using XXXX address identification number.
Product: Debt collection

Jefferson capital has 3 accounts they are trying to collect from me. These accounts are not verified and not validated under the FCRA and the FDCPA. THIS IS A VIOLATION OF MY RIGHTS, HAVING THESE ITEMS REPORTING ON MY CONSUMER REPORT. THEREFORE I WILL BE SEEKING COMPENSATION AND LITIGATION BECAUSE THESE ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}
Product: Consumer Loan

I applied for a loan for emergency purpose and was never notified of the decision. The institution did not provide me with consumer credit review or an adverse action letter. I called the company several times only to be told that the application is still in review process.
Product: Student loan

Hi, I XXXX XXXX mailed out on XX/XX/XXXX, XXXX XX/XX/2022 and XX/XX/2022 correspondences to Great Lakes Educational Loan services via certified with return label pertaining to the student loan debt listed on my credit report across all 3 bureaus. XXXX listed one of my student loans as charged-off and US Dept of Education is not responding in which the servicer Great Lakes is acting on their behalf as they serviced the loan. It's to my understanding I asked this company for the original instrument of indebtedness in return for full payment of these loans in which I will attach below. Till this day XX/XX/2022 I have not seen the requested documentation I have requested in direct and immediate exchange in which if they are able to provide this I will accept payment in direct and they have failed to provide anything pertaining to this document or speak about this in exchanges between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my agreement, XXXX ( XXXX XXXX XXXX XXXX ) States that they will not share my personal information with non-affiliates. Experian, XXXX and XXXX are non-affiliates of XXXX and yet they shared my personal information with them.
Product: Credit card

My wife and I have a Macy 's credit card. Today I received, in the mail, a notice that they had automatically enrolled us in credit protection program and would charge for this monthly based upon the outstanding balance. I called them and cancelled as I did not want nor ask for this. The reason I am writing is to complain about Macy 's in the context that it should have been an " opt in '' program not something that they could process to customers in an underhanded way and hope that people missed the notice and they could bill them. It was just lucky I read the notice and could just as easily missed it.
Product: Checking or savings account

Our money is never available and it never shows up in our account
Product: Debt collection

I am contacting NATIONAL CREDIT SYSTEMS regarding the complaint # XXXX. Again, this unit was not damaged and I have communication with the manager as well as photos of the unit on my end. I will not provide to you as you are not the direct contact. 

I expect NATIONAL CREDIT SYSTEMS to provide proof of a {$2000.00} damage to the unit and if you can not provide within 15 days I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. Again, I will be seeking damages if you can not provide proof of damages to the unit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are incorrect, this is affecting my livelihood and ability to use my credit, remove these accounts listed down below at once I demand deletion for the damages that have been done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX