23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins of these inaccuracies and the verification of my claims regarding the correct opening and closure dates of these accounts. Immediate correction of these late open accounts from my credit report. Please help me correct the accounts : 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

On XX/XX/2022 CCS COLLECTIONS add a derogatory mark on my credit report per XXXX. Upon further research, This account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Still lying about still working on the issue AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit card

XX/XX/2016, I received a letter from American Express informing me that it has decided to close my credit cards account due to a charge that occurred on XX/XX/2016 that involved XXXX for {$6200.00}. American Express believes that the charge was submitted by a merchant with which I associated with and it believes that no goods or services were rendered by the merchant in connection with this charge activity. I state that this claim is false, since I did purchase windows from XXXX and I do not own or have any association with this company.
Product: Debt collection

I received a addendum to retail contract from AMER ASSIST in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. AMER ASSIST has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from AMER ASSIST. 
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Product: Checking or savings account

I am writing to file a complaint Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i had a 41 point drop in my Equifax report via XXXX XXXX. It shows 4 changes, all of which are POSITIVE, none are NEGATIVE changes. I want to know why and how they justify this. I have had almost 80 point drop in 30 days with NO NEGATIVE REPORTS. Equifax will not respond. Its unfair and unjust and needs to be fixed and addressed!
Product: Credit card or prepaid card

i made a payment for XXXX of XXXX they only credit XXXX then they reported me to the credit report agencies late i never been late in my life to any of my cards in 40 years now they cheated me out of XXXX and they reported me late to the credit report
Product: Mortgage

Mr. Cooper has continued to decline my application for a loan modification and prolong the process with needless demands to resubmit documents. During this process the appraisal I was instructed to pay for expired due Mr. Cooper 's negligence. Despite the documents I submitted, Mr. Cooper reviewed and listed the incorrect income and insurance costs and property value as they repeatedly declined my loan modification application. As a result, my home is now in foreclosure, again, due to Mr. Cooper 's negligence.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX  system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable.
Product: Debt collection

creditor : resurgent captial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, sc XXXX ( XXXX ) on XX/XX/2019 we had sent a notice of dispute of debt and request for debt validation to the creditor listed above, which is listed on our credit report. We have not heard anything back, and it has been over 30 days. We do not know what this debt is, and any attempt to try and figure it out has been unsuccessful.
Product: Debt collection

I sent a cease and desist letter to Medicredit , Inc that included a debt validation letter as well on XXXX/XXXX/2022. I received noticed that Medicredit , Inc received the letters on XXXX/XXXX/2022. It has been 31 days since I sent the letter and I have not received the information requested to validate the alleged debt pursuant to 15 USC 1692g. I have not received a response to my cease and desist which is a violation of 15 USC 1692c ( c ). I received account summaries in the mail instead with a balance that is due for each account. This does not validate the debt. The documents that were sent are misleading because this is supposed to be a debt that I owe but every account sent is in a positive balance which is a violation 15 USC 1692e ( 2 ) ( A ).
Product: Mortgage

We've struggled for 2 months now to get $ XXXX of surplus escrow funds distributed from NewRez.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 checking my credit report I see XXXX Removed XXXX points from my score for opening an account TransUnion only XXXX with more changes on my report I feel XXXX is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account
Product: Credit reporting or other personal consumer reports

XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Michigan Address : XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$680000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History XXXX XX/XX/XXXX ; XXXX Late Dates : XXXX XXXX XXXX ACCOUNT ; ACCOUNT TRANSFERRED OR SOLD Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following account ( s ) on the following date ( s ) : Late Dates : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. This account was sold to XXXX XXXX XXXX after the late was reported during the transfer XXXX XXXX have send the request to have it removed it still show after the removal Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : mail CFPB FTC Office of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX 
Office Of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. View Map Main Number : XXXX. 
[ Please ensure to fill in the placeholders with the appropriate dates, personal information, and creditor details before sending the letter. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Bank account or service

On XXXX XXXX, I opened a citibank gold check account, per advertisement from citibank, I will receive XXXX thank you points after I fulfill the following requirements Do one bill pay in two consecutive months, as described above for the ThankYou Requirement. 
Make {$1000.00} in debit card purchases with the Citi debit card. This requirement must be met within 60-days as well. 
I have fulfilled those requirements on XXXX, XXXX, after that, I have contact citibank multiple times to confirm the offer, every time, I was told by citibank that I have fulfilled the requirements and the points will be posted by XXXX XXXX. 
XX/XX/XXXX, those points still have not bee posted, I have submitted XXXX cases ( XXXX. ) to Citibank, to my surprise, the letter from citibank stated that I am not going to receive the point because " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account ; To me, this does not make sense because 1. I still have the screenshot of the application page which shows that I will receive the XXXX thank you points, which can prove that the statement is not true & quot ;, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. & quot ; 2. In the last few month, I have been confirmed by multiple customer representative that I am eligible for the offer and have fulfilled the requirement, I should receive the points on XX/XX/XXXX. Citibank can confirm that by looking into my previous chat history. 

As a long time loyal citibank customer, I am very frustrated with this experience. This checking account has monthly fee of {$30.00}, I would not open this account without the bonus offer Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

What : Charge- off Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Phone XXXX Activity Auto Loan Balance Date XX/XX/XXXX This company has reported a charge off when they were included in a BKXXXX that was discharged XX/XX/XXXX. Contacted credit Beauru Experian to investigate and during that time this company contacted me to extort money for me to pay for delete on XX/XX/XXXX. Experian came back on XX/XX/XXXX to state the company verified this was my account. It is illegal to report a charge off when the account was already included and discharged way back in XXXX. In fact, the even deleted the account when it was going through the bkXXXX proceedings.
Product: Checking or savings account

On XX/XX/2024, I noticed unauthorized charges on my Chime checking account. I filed a dispute for 4 different charges. These are the charges. 
XXXX XXXX XXXX {$47.00} {$26.00} XXXX XXXX  {$41.00} XXXX XXXX XXXX XXXX  {$39.00}. 
Within two hours they denied the dispute. I requested proof of their investigation and 30 days later still had not received anything. 
Since that date I have filed 3 rebuttals, sent in documentation that they requested and requested the proof of investigation each time, and still have not received anything. 
The last rebuttal was made on XX/XX/2024, in less than one hour the rebuttal was denied. 
I have also demanded an email or even an address of somewhere I can send a complaint and they have downright refused to give to me. 

I did not authorize these said transactions, and can get no where with their dispute department. Its like a merry go round nightmare. Im feel like they are hoping that I will finally just give up. However that is not the case. 

I also sent this in with the documentation, Subject : Formal Complaint Regarding Disputed Transactions and Lack of Response Dear Chime Support Team, I hope this message finds you well. I am writing to formally address a series of ongoing issues regarding disputed transactions on my Chime account. Despite multiple attempts to resolve these matters through your customer support channels, I have not received satisfactory responses or resolutions.I have diligently followed your procedures by submitting documentation and following the specified links provided in your emails. However, I continue to encounter difficulties as the emails bounce back with an " unable to deliver '' notification. This has made it nearly impossible for me to provide the necessary evidence to support my claims that I did not authorize these transactions.Furthermore, I have reached out to your support team numerous times to request information about the investigation processes and the findings of your investigations into these disputed transactions. Unfortunately, I have not received any substantive information or updates regarding these inquiries.As a result of these unresolved issues and the lack of communication from your end, I have decided to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and intervention. I believe that this step is necessary to ensure transparency, accountability, and a fair resolution to the disputed transactions on my account.I kindly request that you take immediate action to address these concerns and provide me with the necessary documentation and information regarding the disputed transactions and your investigation processes.I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.Sincerely, XXXX  I have also attached what is said on Chimes website about unauthorized charges. 
XXXX XXXX XXXX. 
Shop worry-free at millions of merchants. Chime debit cards are protected by the XXXX XXXX XXXX Policy to ensure that cardholders will not be responsible for unauthorized charges.
Product: Student loan

I paid off the balance in full based on the information I had about this student loan and one other student loan XXXX now has an overpayment ( credit ) of {$75.00} and the loan remains open student loan XXXX has been paid in full and closed as it should have been I have sent multiple messages to Edfinacial requesting the credit be paid to me and the loan shown as paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

These are blatant lies. I never and repeat never received any documentation on how they verified this inaccurate information. I have sent letters asking for their method of validation and received no reply and followed up with a letter demanding them to comply with my request or remove the inaccurate information. To this date, I haven't received the documentation and I am demanding this inaccurate information be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have attempted calling last Tuesday XX/XX/XXXX and was placed on hold for four hours which at that time had to hang up to go to work. The previous Tuesday before that I was on hold for four hours which at that point was 4 hours and required to hang up. I am trying to clarify what my monthly payments are because I have had three different documents on varying days tell me three different amounts. The most expensive amount is the one associated with the auto debit payments which I find awfully convenient.
Product: Checking or savings account

I opened the new account and transferred a deposit of new to bank money into the account. I was supposed to receive a {$600.00} bonus. I deposited the {$25000.00} and maintained it in the account for over 90 days as required by the disclosure. I want my {$600.00} bonus as I expected. Customer Service Rep said a manager would call me back because her system said the deposit was labeled a transfer. No where on the disclosure did it say I had to make the deposit in person. I did the {$25000.00} deposit transfer from another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and Transunion of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and Trans Union again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, XXXX and Transunion XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, XXXX or Trans Union. 
Called Trans Union and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no clue how they got there. When I checked my report, as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request that the documents I submitted be carefully reviewed so that I can have peace of mind.
Product: Credit card or prepaid card

Yes I received a XXXX debt collection from XXXX XXXX XXXX saying I owed XXXX but yet I never had a XXXX acct and want this investigated