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

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (Experian  , XXXX , XXXX) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently found out that I was a victim of fraud. I have previously disputed these items, but they got reinserted on my Credit Profile. Please remove them as they are affecting me negatively. This account I just recently found out : XXXX XXXX - XXXX XX/XX/XXXX. I never had a joint account. This is not mine. You have already removed this from my report and I don't understand why this fraud got reinserted. Please remove these inquries too from my credit reports as they are fraudulent : XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have tried over eight times to resolve this matter with all three credit reporting agencies none of which I have been successful with. For all the accounts list below, I have asked for validation of debt along with the original agreement and original ID and his original signature to validate that that was mine because these accounts are not mine, nothing has been provided for me at all, this is my request. This is wrong and this is fraud. This has impacted my daily living, along with my work and being able to be mobile Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To Whom It May Concern, I am submitting this formal complaint regarding the handling of disputes on my Chime account, ending in XXXX. Below, I have outlined the sequence of events, actions taken, and the issues I have encountered : What Happened In XXXX, XX/XX/XXXX, I began disputing several transactions associated with my account. The merchant involved had closed my account with them and refused to issue refunds directly, instead advising me to seek assistance from my bank. I provided Chime with clear evidence of the merchants refusal to process refunds, along with : Proof of account closure with the merchant. 

Correspondence showing the merchants willingness to issue refunds contingent on communication from Chime. 

Despite my efforts, Chime mishandled my disputes in several ways : Forced Individual Filing of Disputes I was required to file each of the disputes individually, totaling over XXXX transactions. This process consumed significant time and effort, including over five hours spent on the phone with Chimes support team. This excessive burden appeared to be an attempt to dissuade me from pursuing the disputes. 

Account Closure by Chime Chime closed my account before I could finish filing disputes for the remaining transactions. This premature account closure impeded my ability to recover funds.

Lack of Investigation and Communication I was informed repeatedly via email that my disputes had been resolved with no error found. However : There is no evidence that Chime contacted the merchant, despite the merchant confirming they never heard from Chime. 

I requested documentation of Chimes investigation process multiple times but received no response. 

Failure to Provide Provisional Credits Federal regulations require provisional credits to be issued during dispute investigations, yet Chime failed to provide these in a timely manner. 

Timeline and Details Dates of Disputes Filed : XXXX & XXXX Dispute IDs : there are over XXXX of them at this point. i can provide a full list if needed but the list will be large The mishandling of these disputes has resulted in : Financial hardship due to unrecovered funds. 

Hours of wasted time attempting to resolve the matter. 

Emotional stress caused by poor communication and lack of resolution. 


Conclusion The handling of my disputes has been deeply unsatisfactory and appears to violate consumer protection regulations. 



Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ;  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Equifax  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2024, I opened my cashapp to find it was a business account. I did not set it up as a business account. I had only ever used it for personal transactions. The only way to contact customer service was through support in app messaging. Which after some work my account was changed back to a personal account. I had asked how and why my account could have been changed without my knowledge and approval, and was told the next day during business hours that I had to have changed it myself. I have never used my personal account for business and I never will. But they couldn't explain what had happened.
Product: Credit card or prepaid card

I just received and activated a credit card that was sent to me because my credit card company was bought out by a new bankComenity. The XXXX XXXX XXXX card already has several fraudulent charges, all of which are titled XXXX XXXX and originate from OH. The charges pre-date my activation of the card. I tried locking my card online and the website says there is a glitch. I tried adding alerts to my card and it says there is a glitch with that too. Nothing I do on the website will save. I called customer service and they are unable to report fraud or send me a new card. The system wont work on their end either. Their recommendation was to call back in an hour. I have seen online that many people are having similar issues.
Product: Mortgage

We are senior citizens. I am XXXXyrs old, XXXX & a XXXX veteran. We qualified for a VA mortgage & applied for a home refinance with Veterans United. Process was completed XX/XX/2019. For the next 8 months, we have been told that the loan is in underwriting. They keep giving us new closing dates. They want us to pay for repeated updated pest and well water inspections. We have spent {$900.00} thus far and now they want us to repeat these tests as the dates have expired because they delayed too long. They have also repeatedly pulled our credit, causing it to drop considerably. We can only assume this is a way to make us Walk away from our application without them blatantly declining us for age or nationality. This is emotionally and financially distressing. Is there any recourse?
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. Account name : XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my Experian 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 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 supposed 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

My consumer rights have been violated by XXXX XXXX XXXX XXXXXXXX. Pursuant to 15usc 1692 ( h ) they are reporting multiple debts on my credit profile. 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

ive been having issues with this particular account for some month now and it does not belong to me and needs to be removed asap. I did not have a student loan with them, i already have a student loan with another company so its wrong. perr 15 usc 1681b this is illegal and you all must remove asap! this is caused by identity theft/fraud
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$710.00}
Product: Money transfer, virtual currency, or money service

My account was frozen due to action that violated the Venmo user agreement. I still dont understand why it was closed. They froze it and told me I had to send in my photo id and that I had to wait 7 days for a response l. I waited the 7 days and the sent a email saying they are permanently closing my account. I have XXXX from my tax refund this year. I have the transactions on the account to prove it. I also was get my paychecks from work deposited into the Venmo account as well. Now they are saying I have to wait XXXX u til I could access my funds. I have XXXX XXXX  I pay market rent I cant afford to wait 6 months.
Product: Mortgage

My mortgage is with USAA and I live in XXXX XXXX XXXX. New York is under a state of emergency due to XXXX. Governor XXXX XXXX approved a 90 mortgage deferment for New York. I called USAA and they have explained that the 90 day deferment is in effect in their systems. However, what was explained is that after the 90 day deferment, there will be a balloon payment due for three months which in my case would be {$8300.00}. The {$8300.00} will be due on XX/XX/2020 ( after 3 months ). The logical thing to do is to put the amount owed towards the end of the loan/at maturity. It does not make sense that there will be a balloon payment due after three months. New York is under a state of emergency, how can one  participate in such a program where a huge balloon payment will be due after three months? The proper solution would be to take the amount and add the amount at maturity.
Product: Credit reporting or other personal consumer reports

I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

The repeated occurrence of fraudulent activities reflects poorly on your company 's integrity and competence in handling sensitive financial matters. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX XXXX XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX Balance XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called Equifax on XX/XX/year> I informed them that i wanted to remove my disputes and all dispute verbiage as i was applying for a mortgage. i was told it would take XXXX to XXXX hours to process. i called back on XX/XX/XXXX for an update to make they cleared before my lender pulled my credit they assured me they were removed. so my lender pulls credit and they are still on my credit report so i call again that and request them be removed. instead of removing them the representative resubmitted the disputes without my knowledge. so i was under the understanding that they had been removed so i called back on the XXXX of XXXX where i was informed that they made a mistake and resubmitted the disputes that they were filing a complaint against the representative and would fix the issue. So i call back on XX/XX/XXXX to make sure the disputes were removed and they weren't so i asked to speak to a supervisor. The supervisor was so rude and put me on hold for an hour and XXXX minutes without even letting me know wouldn't listen to what i had to say just that she would fix it. she never returned to the call to let me know she fixed it and i was hung up on. i immediately called back and asked to be reconnected with the supervisor and was told my issues had been resolved but they could try to transfer me. i sat on hold for over an hour and was never connected. they said they were having technical issues. so i called them back the next day XX/XX/XXXX same thing i couldn't be connected with a supervisor to call back late in the day i did and still no supervisor. i was advised to call the next day. XX/XX/XXXX i called again an spent over an hour on the phone and was told the same thing technical issues cant connect to to a supervisor. XX/XX/XXXX I've called 3 times and still haven't be able to talk to a supervisor to figure out if the disputes had been removed or not. Because of there inability to do there job i might lose the sale of the home I'm trying to buy. we had to request an extension because of this with very likely couldn't be granted. what should have took less than XXXX to XXXX hours has now been pushed out over XXXX weeks. This has caused me financial hardship and an extreme amount of undue stress and hardship.
Product: Credit reporting or other personal consumer reports

I have a issue that I have accounts reporting in accurate information and I requested to receive the same Documents used to verify how this information was verified because its inaccurate or I will like it deleted, This issue has caused big problems in my life and lost of jobs and my next option if I cant get resolved is legal action I need same verification that is used to verify accounts sent to me as well because information is inaccurate I will be uploading Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.
Product: Debt collection

Rash Curtis & Associates Debt Collection Agency has continued harassing me for the last year or so. I received letters to my address and old address, phone calls daily, and they now have affected my credit score and I have no knowledge of this company. Even if these accusations were true, debt has been paid in FULL. This company is relentless and ruthless. They might as well be knocking on my front door because they will not QUIT!
Product: Student loan

I am a XXXX. Have been for XXXX now. I love my job. I love my patients. But with this love, came student loans. I had federal student loans at one point. I paid on them for 7 years. After having a family to care for, I had to refinance ( to afford caring for my family ). The lower monthly payments help out. I switched to XXXX XXXX private loan. Not knowing or being explained to, that I would lose all of my benefits of a federal loan. They just offer you that low rate and sucker you in. I wrote to them asking for some type of direction. Some type of assistance. All I got was the attached. I have written to both State, Local and social media. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the 0 % balance transfer promotion on XX/XX/XXXX. I attempted to set up auto pay in my online banking account to pay balance due instead of the minim payment. I was unable to utilize the auto pay option, as the button would not activate. I continued to manually make the minim payment. Through written correspondence they finally set up a debit deduction each month in XXXX of XXXX. However, in the mean time I did overlook making a manual payment over XXXX on XX/XX/XXXX. With out any notification until I was 36 days late, they charged me a {$27.00} late fee, which they have reversed and reimbursed me the {$27.00}. 
I have had several conversations requesting the 30 Day Late Payment be removed from my Credit Report as my Credit Score dropped 50 points, and will stay on my Credit Report seven years! 
When I finally did reach a supervisor who had the authority to remove the Late Payment informed me that since BBVA has merged with PNC, they can not do anything about correcting my issue!
Product: Debt collection

As a victim of fraud I placed a seven year credit freeze with XXXX, XXXX  and XXXX  in XXXX. A fraudulent account was opened XX/XX/XXXX by XXXX XXXX. I disputed with XXXX, XXXX  and XXXX. The account was closed by XXXX  but not XXXX  or XXXX. Now collection agency trying to collect debt. 

XXXX XXXX fraud department is investigating the fraudulent account. The account was sold XXXX XXXX who sold the account to XXXX XXXX who sold the account to XXXX who denies responsibility and deferred back to XXXX. Portfolio Recovery Associates LLC has started a fraud investigation as well