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

I am disputing the XXXX XXXX XXXX account on my credit report, which is inaccurately listed as a charge-off with a balance of {$480.00} as of XX/XX/XXXX. This account was originally opened in XX/XX/XXXX with a credit limit of {$300.00}. In XX/XX/XXXX, the account was reported as charged off, but I dispute the accuracy of this information. 

I previously filed a dispute in XX/XX/XXXX and was informed that an investigation had been conducted. However, I have not received any documentation, evidence, or verification to substantiate the charge-off. Despite this, the inaccurate information remains on my credit report, causing harm to my credit score. I believe that no proper investigation was completed.
Product: Checking or savings account

Citibank froze my account and blocked my online access for no reason at all. I have received no communication and when I called in several times I was told to wait for a letter in the mail that would take some time. I need access to my funds sooner and I want an explanation as to why my account was frozen.
Product: Checking or savings account

Chime allowed my debit card to be hacked. A strange person in XXXX XXXX has been taking small portions of money from my card without physically having the card. How is this happening if they dont have my card? Chime should have a more secure banking system. Why wasnt I notified with a text message when they have texted me before about other transactions? Also, I keep my card locked within the Chime app. Most of the time my cards are locked so I dont understand how they scammed me. There were 9 transactions that were unauthorized. Starting XX/XX/XXXX, XXXX XXXX, 2024 totaling out to {$430.00}. I am requesting my money back from Chime, who shouldve protected my account but did not. Chime has refused to refund me my money. They are allowing someone to get into my account without authorization. They did not send me a text like other times asking did I make this transaction. I didnt get that text when someone was scamming me. Im starting to wonder if its an in house job and if they need to be looking into their own employees. Not sure but its very odd that this is happening when they dont even have my card AND I always have my card on locked. I want Chime to refund me my {$430.00} due to their negligence in keeping my account safe. I also have the address to the location this scam is happening at XXXX XXXX XXXX XXXX XXXX. I called owner he says he has no idea but the atm machine is outside the store. I dont know whats going on but I want Chime to refund me my hard earned money I worked for. Thank you
Product: Credit reporting or other personal consumer reports

I reviewed of my consumer report and noticed that I have two late payments on my account that I was never late for my Consumer Reporting agency have assumed a vital role and have responsibility to report consumer information to the best of they ability with maximum accuracy in have never been late on payment to the account XXXX XXXX XXXX XXXX  please investigate and provide proof with statements showing that this payments were late if proof can not be provided i demanded this payments be updated to on time as they should be as i was never late thanks
Product: Credit reporting or other personal consumer reports

Checkr Background Services performed a Background check on me with inaccurate information, they also provided information that was beyond the time allowed in their search, causing lost of employment and hardships. I would like to proceed with filing a lawsuit against this company for negligent reporting of said background. I will be needing guidance and advice on proceeding in this process.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Mortgage

my loan required a PMI. By law, the PMI is to automatically terminate on the date the principal balance is first scheduled to reach XXXX % ( ltv ) of the original loan of the property. As of XX/XX/XXXX, my ltv is XXXX %. However, according to my mortgage company, the pmi will not be terminated until XX/XX/XXXX because that was the scheduled date the ltv was to reach XXXX % by the original amortization. The reason the ltv is now XXXX % is because we made XXXX extra payments on our mortgage and we feel that we are now being penalized for extra payments. Our loan was orignally with another company but was sold to the current company in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is being reported on my credit report. inaccurate addresses, and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted these companies about hard hit inquiries on my credit report with no resolution. Ive also contacted TransUnion about these issues, but I could not get the representative to understand my concerns. It was very difficult to understand her. On XX/XX/XXXX, XXXX XXXX has 2 hard hit inquiries on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX had a hard hit inquiry without my consent. On XX/XX/XXXX, XXXX XXXX XXXX XXXX had a hard hit inquiry without my consent. Ive tried 2 resolve these issues but to no avail.
Product: Credit reporting or other personal consumer reports

I have made several attempts to obtain XXXX XXXX from United Auto Credit but was unsuccessful both on the phone and in writing. 


Cancellation of XXXX XXXX XXXX is to be used only for cancellations of debts for which the debtor actually incurred the underlying debt. XXXX XXXX XXXX, XXXX of XXXX, for each. debtor for whom you canceled a debt owed to you of {$600.00}. 

Instructions for Forms XXXX and XXXX - IRS IRS XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes for inaccurate information that has been put on my credit report and experian refuses to investigate properly so that the items can be removed. Experian wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to Experian and was told that they verified fraudulent activity. I would like to know How is fraudulent information verified, how and what date and what is the process. I had nothing to do with the information listed on the FTC reports.
Product: Checking or savings account

On Saturday, XX/XX/year>, I contacted a Regions Bank representative to inquire about why funds were still being withdrawn from my account despite my card being locked until I was ready to make purchases. The agent, XXXX XXXX, mistakenly assumed the transaction was unauthorized and proceeded to deactivate my card without my consent. As a result, I no longer have a card to use until the replacement arrives in the mail. 

This situation has left me in a very difficult position as a college student in my final year, with limited financial resources. I had only {$5.00} in my account at the time, which I planned to use for lunch. Now, I am unable to access those funds, which has caused significant inconvenience and stress. 

Additionally, I found the agents behavior unprofessional ; she closed the chat abruptly before I could ask further questions or clarify my concerns. I believe this situation warrants immediate attention and a reimbursement, as it has directly impacted my ability to meet basic needs. I trust that Regions will address this matter promptly and take steps to ensure such incidents do not happen again. 

Thank you for your time and understanding.
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. 

Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the XXXX situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.
Product: Credit card or prepaid card

I was charged a {$99.00} annual fee on XX/XX/XXXX. I called to close the account by phone on XX/XX/XXXX. The account was closed but the fee did not refund. They then processed an automatic payment on XX/XX/XXXX and took the {$99.00} from my checking account. 

I contacted them by phone on XX/XX/XXXX. I was told I wouldn't get the annual fee refunded. They indicated that I had used the account this year and owed it. I disagreed and asked to be transferred. I was transferred to a department that then hung up on me. 

I have not used the card since XX/XX/XXXX. The annual fee is a prepayment for the ongoing year, not a bill in arrears. 

Further, nothing in the term indicates that the fee is non-refundable. Industry practice is to refund the fee if contacted within the billing cycle.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/2019 approximately XXXX XXXX   from my residence in XXXX OH, I did not receive a letter stating how much I would need to pay to retrieve the vehicle, the lender then sold the vehicle at auction and I did not receive a letter stating the sell of the vehicle. I found out by the balance lowering on my credit report which states I owe them around 12K. I have not received any communication from them at all.
Product: Debt collection

This is not a duplicate complaint. This company stated the following for case number XXXX-XXXX  dated XX/XX/2019. 

**The account has been marked as disputed and a deletion request will be sent to the credit reporting agencies to temporarily remove the tradeline from reporting during the Validation Period dispute. ** These amount are still on my credit reports and it has been 30 days. Below is my original complaint : This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!
Product: Student loan

I have been repaying my loan since its deferment ended. It is serviced by AES. My XXXX continues to be a cosigner on the loan and I undertook the process to remove him as a cosigner. I filed out the initial form on their website to do so, mailed it in in XXXX XXXX and in XXXX received a reply letter asking for further documents. I sent further documents in XXXX, in XXXX I received another letter denying again and asking for more documents. I sent these and finally in XXXX XXXX received a final letter denying my request. On the denial it states to call AES if I have questions about this decision. I did so but AES informs me that they are unable to provide any further information as they are only the loan servicer. They however can not allow me to speak with anyone from the actual lender to provide any clarification and simply ask me to submit a request again via letter. They have created a circular process in which the inertia required to accomplish anything is so great that most people will give up at some point. The only service my servicer is providing is to obstruct my access to my own lender in order to receive any sort of satisfactory response. Furthermore the credit score that they note in their reason for denial is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.
Product: Student loan

I have been paying on my student loan for over 10 years, how do I still have a {$21.00},  XXXX  balance?     In  XXXX  I fiel d Chapter   XXXX , my bankruptcy began paying {$500.00} towards my student loan for at least  3 1/2  years. {$500.00} for 30 months is around {$15.00},  XXXX . After the bankruptcy was  discharged  in  XXXX  i continued making payments and balance is still not decreasing. What is  Navient d oing with my money? Ive tried contacting them and get the run around.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer reports, and I notice Experian, XXXX, XXXX furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), 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 ; A consumer 's transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer 's credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report 1. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXX  ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX XXXX XXXX My account with XXXX XXXX was never late! This was clearly a billing error. This act is shameful, it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX XXXX XXXX XXXX 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Delete the following late payments from my consumer reports ; List accounts here with late payments. 

XXXX XXXX XXXX XXXX XXXX