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

There's a report on my credit report that is inaccurate, outdated, fraudulent amount, and if it's mine it's over seven years. The  account was opened in XX/XX/2019 by Credit Resolution XXXX XXXX XXXX, XXXX, CT. Telephone number XXXX. The amount of {$3300.00} was placed on my report XX/XX/2019 without proper explanation. 
I have been in Georgia for five years, prior to that I was living in a home for four years. 
They gave no clear explanation. And if this is an old build sold to them, why is it still on my credit report, and opened XX/XX/2019. 
This is a malicious act, and I want it remove. Thanks.
Product: Credit card or prepaid card

My ex roommate was sneaking using my card with out my permission, so I disputed the charges one of them was approved the other one they was supposed to give me a provisional credit for on XX/XX/XXXX if they were not finish completing the investigation I woke up this morning the credit wasnt there. So I called Today and they told me I didnt fill out the form correctly and to fill it out again and send it back because if they are not done investigating by the XXXX business day they have to issue a provisional credit on the XXXX day they closed the dispute without even investigating because they didnt want to give me the provisional credit for my card being used without my knowledge. They have another dispute on my account that has been open for almost 3 months now that they havent completed so I dont understand how they can complete this dispute so fast and the other one has been open
Product: Checking or savings account

On XX/XX/XXXX I reported a series of fraudulent transactions that emptied my accounts on chime. These are the claim ID 's I was given : XXXX and XXXX. The claim ID XXXX was for charges totaling {$6600.00}. Claim ID XXXX is for charges totaling {$2500.00}. This was literally all of the money I had. Essential funds I needed to live on while pursuing my XXXX XXXX XXXX XXXX Money from student loans and personal savings needed to just stay alive and eat , drive my car places, etc. 

Claim ID XXXX was found to be in my favor On XXXX XXXX over 4 months after I originally reported this claim. I reported these charges over and over again for months and fought and fought and out of nowhere on XX/XX/XXXX they finally find it in my favor after denying me EVERY time on the SAME exact date I'd report it and re-open the claim since XX/XX/XXXX. It took them over 124 days to return my money. The pain and sufferring that occurred between filing the claim to XX/XX/XXXX was MUCH greater. I had to max out credit cards, let interest accrue, borrow money from friends and family and pay them interest, and STILL am in debt to credit cards and other people because I had to borrow this money. When they emailed me on XX/XX/XXXX, and returned the funds on that same day, I noticed they also CHANGED the " date reported '' for these charges to XX/XX/XXXX. They are LYING. You can see in the attachments below the charges and amount and date reported, then the new email with the charrges and same amount with the date reported changed. I reported these charges XX/XX/XXXX, and on top of that NO NEW INFORMATION was sent to them by me. The entire time, they claimed they investigated and reinvestigated every time when really, they were provided NOTHING by that merchant and never even reached out to them. I am owed well over this {$6600.00} they returned for the sufferring I've been through and continue to go through. I expect at a minimum of {$10000.00} as a fine to Chime to pay to me so I can cover my interest and debts accrued over the last XXXX months, this is absolutely unacceptable. 

In addition, the same action has still not been applied to Claim XXXX, all charges from the EXACT SAME merchant on the EXACT SAME date reported on the EXACT SAME date as well of XX/XX/XXXX. I expect this total of {$2500.00} to also be returned to my account ASAP along with interest and fines to be paid to me promptly ; I have been a victim of electronic funds transfer fraud committed by Chime as well as records falsification with Chime clearly changing the dates on when these fraudulent charges were originally reported.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the violation of my rights by your organization. Despite providing you with accurate personal information, I have discovered that you have displayed inaccurate information on my credit report. This has caused significant inconvenience in my life, including missed job promotions, higher interest rates, and even denials for housing opportunities. Such inaccuracies have had a detrimental impact on my financial well-being and overall quality of life. I demand that you immediately rectify this situation by removing the inaccurate information from my credit report and taking the necessary steps to ensure such violations do not occur in the future. Additionally, I expect to be compensated for the losses and distress I have endured due to your organization 's negligence. I trust that you will promptly address this matter and provide a satisfactory resolution. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 

Please remove the following items from my credit report, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute the accuracy and validity of the following account ( s ) that are currently listed on my credit report. Under the provisions of 15 U.S. Code 1681g, I request that you provide physical verification of the original signed consumer contracts for each of the following accounts : DEPT OF ED/XX/XX/XXXX Acct # XXXX DEPT OF ED/XX/XX/XXXX Acct # XXXXXX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Acct # XXXX As a consumer, I am entitled to full and accurate disclosure of the information in my credit report, including the method and sources of information. I am concerned that fraudulent accounts may have been reported under my name, and therefore, I am requesting that you verify the authenticity of the reported accounts by providing physical copies of the original signed consumer contracts.

Without physical verification of these contracts, anyone paying for your reporting services could easily fax, mail, or email fraudulent account information, which could then be mistakenly reported on consumers ' credit reports. This lack of verification can lead to significant harm and undue hardship for consumers who are victims of identity theft or other forms of fraud.

Please take this letter as a formal request for the following actions : 1. Investigate and verify each account listed above through the physical examination of the original signed contracts.

2. Provide me with copies of these original signed contracts as proof of the validity of these accounts.

3. Remove any and all accounts that can not be verified with the original signed contracts from my credit report immediately.

In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation and respond to my request within 30 days. Please confirm in writing that you have received this request and outline the steps you will take to address my concerns.

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX have illegally obtain my credit report. I have checked the records and found that XXXX, TransUnion, and XXXX are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of XXXX XXXX XXXX Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. XXXX blatantly told me on a recorded call that XXXX is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which XXXX has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form XXXX XXXX and a Form XXXX as all XXXX credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a XXXX charge filling as you have all colluded to defraud myself and my rights.
Product: Credit card

On XX/XX/XXXX, someone accessed my information and purchased airline tickets with my credit card. The purchase totaled {$270.00}. Contacted Citibank and attempted to file a fraud alert, however they processed the transaction as a dispute. The merchant responded back defending themselves stating the flight was taken by the fraudster. However, the bank is separating their liabilities from this matter and is not further helping. They said they can not raise this as a fraud claim because I had interacted with the merchant before. This is not an authorized purchase and I raised the pertaining police report as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. 

Details of the Disputed Inquiries : Requesting Entities : XXXX  Inquiry Dates : XXXX XXXX XXXX Entities : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXX Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX  Inquiry Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report.

2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly.

3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud.

Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information.

Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Between XXXX XXXX and XX/XX/XXXX, I had 28 late payments on my car loan. This was due to XXXX, although I communicated this to my lender, Mechanics Bank, and begged them to stop reporting late payments, they continued to do so. I paid the loan off XX/XX/XXXX, during COVID as they repossessed my car, even though I still had a deferment to use, they refused me the right to use. At the time, I had paid close to {$3000.00} and was only owing {$2500.00} to pay off the car. Their reps and management were rude, unprofessional and were adamant on no flexibility, resulting in an influx of car repossessions in my area, they sent their repo men out and they were taking cars, while in the pandemic, from people as they were going to the grocery store, picking up kids from school, grabbing food, etc as they were targeting the area and the consumers who were hit hardest, in lower income areas. Mechanics Bank auto department was set toXX/XX/XXXX and they instructed them to be relentless against consumers as their days were coming to an end. This is why they refused to comply with any of the laws/directions that was issued to the industry. Since then, I have repeatedly disputed, via XXXX and XXXX, using the guidance provided by the CFPB regarding late payments not being reported during the pandemic, however, both of these entities has failed to properly investigate disputes, allowing these late payments to remain on my credit. Even since the CFPB has sued them both, for this very reason. As recent as today, I disputed with XXXX and same day, it returned, accurate and will not be removed. Currently, I have several complaints in place with you, against XXXX for this exact issue. They still remain to disregard your Compliance regulations, and negatively impact consumers credit with their low level approach to thoroughly investigating disputes. These multiple agregious offenses are terribly impacting consumers and with these multiple examples being provided, daily, it appears that they will continue to proceed, disregarding your guidance. Mechanics Bank auto finance department is now shut down ( very shady ) so it's highly unlikely that they were able to investigate 28 payments within hours, they just clicked the button and as usual, XXXX went along with it, and proceeded doing the same. This is what I call " duplication without resolution ''. This vicious cycle is detrimental and allows these mega companies to go unchecked, while the consumer suffer significant loses. This most likely is something that has impacted millions. Please research, in depth, and remove these late pays from this paid off account so that I can have the opportunities of fair credit. See docs attached to support.
Product: Student loan

I have had a student loan with XXXX XXXX now Navient since XXXX. I have always done my best to make sure to pay my student loans. I 've never been the type to purposely not pay them like a lot of people do. Even with their unreasonable payment plans simply because I know it can destroy my credit. After being on the phone this morning for a total of 75 minutes and spoke with 7 different people. There was no resolution and I was hung up because they refused to transfer me to speak with a manager. I called in XXXX XXXX to have my loan reduced as it was about to increase to an amount that I could not afford. At the time I was also in the middle of trying to purchase a home since I was staying with my parents for 6 months in Pennsylvania commuting back and forth to NY. As the rents in XXXX are similar to mortgage payments, it was time to own vs rent. I was told today by a supervisor named XXXX at Navient that because I decided to take on the purchase of my home, that I am able to pay my obligation to Navient. After several minutes of going back and forth with her ; which I do not appreciate a customer service rep dictating my financial needs and obligations. I was simply calling because the monthly payment plan they put me on is not working with my finances. It is extremely counterproductive how we as students who want to pursue a better education to have better lives have to be held like prisoners because we have decided to be better than the status quo and make the sacrifice to purchase a home. To then to be told and penalized by XXXX XXXX because we have moved forward in life. I truly have not had such a problem with XXXX XXXX up until today. I have asked to make split payments throughout the month to make it easier on myself to meet the monthly payment of {$280.00}, I was told this was not possible and could only be done through direct withdrawal from my bank account. I was told that they could not lower my monthly payment any lower than what it was, they were not willing to work with me to find any other alternative solutions stating that was the ONLY solution they had for me. I 've been paying them religiously for years. I am not trying to be unreasonable and not pay ; on the contrary I am trying to find a middle ground that can make all of us happy. I pay, they get paid. I was rudely transferred to whom I thought was a manager and was told was another supervisor who said to think of him as second in command. I find this very insulting and a complete waste of my time after being on the phone with them for 74 minutes. While I know my story is not as horrific as a lot of other stories out there with people who have dealt with XXXX XXXX ; it 's extremely frustrating to me how they are not willing to work with anyone and hold everyone hostage by their terms. I would like a reasonable payment so that I can continue to pay my obligation to them and they can continue receiving their payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any Influence from any third party or agency. Please see attached files with my ID. I received a copy of my credit report and I am disputing Inquiries that need to be deleted. I have listed the Inquiry, and the date it was furnished below. 

1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10XXXX Date of inquiry : XX/XX/XXXX 11. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove the inquiries from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reported on my account, and I was made aware of that on XXXX of XX/XX/2022. I called Equifax on XXXX XX/XX/2022 to file a dispute which Equifax confirmed that they filed a dispute, and when I called them back on XX/XX/2022 to know the status of the dispute, to my surprise they confirmed that there was no dispute made on my name. But, when I asked Equifax to check for the call notes, they checked and confirmed that Dispute was made but due to technical reasons it did not go through. 

Since XX/XX/2022, I called Equifax multiple times to get my issue resolved, basically to get my collection of XXXX $ removed from the record as it was paid off and also the collection agency confirmed that by sharing the collection removal letter. 

One of the equifax agents told that they would expedite the request, but the status never changed. Also, Equifax doesn't give an option to me for submitting the collection removal letter online. 

As per FCRA, the issue needs to be fixed within 30 days, but Equifax did not resolve the dispute within XXXX, and also claims that I raised a dispute on XX/XX/XXXX. Please have Equifax share the call notes where the dispute information is logged on XX/XX/XXXX ( multiple calls ). 

Due to this problem, I am unable to get mortgage and got it in contract. Now, the buyer is saying he would sue for the damages if I can't fulfill the contract. I have done my part by called Equifax on XX/XX/XXXX to fix the problem, but because of their poor customer service, the dispute did not go through and now I am facing the lawsuit, and would lose XXXX $ plus legal costs. 

The lender wants me to get this removed, and then he would provide necessary loan which I would like to take and fulfill the contract. 

Also, Equifax is not ready to share any information related to the Call notes with me via email for evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX