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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Hello. 

I have submitted a request to close my account with Chime. I have expressed to them on more than one occasion that my information was stolen when my cellphone was hacked. My ID, SSN and personal and business information was stolen as well as account numbers. These individuals have been calling to check deposits, account balances and everything. I have requested my full account history more than once with this institution and they have not given me anything. 

I have been trying to work with them to resolve this or get added security so I did not have to close my account as I have had this account for a few years, but they have not been working with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting or other personal consumer reports

My credit report shows late payments that seem incorrect given my payment habits. Kindly review and fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Payday loan, title loan, or personal loan

I made a payment online on XXXX- I should have only been charged one payment-but the system charged me for 2 months. I contacted customer service immediately, the agent told me the second charge would be reversed, but to wait since that day was a holiday. I checked the next day, XXXX- and no refund had been received. I have called back every day since the XXXX and have been told that Advance America `` Treasury '' would reverse the charge. This has not happened, and I am again on the phone with Advance today, on hold while sending this notice on XX/XX/10. 
I was told by one of the staff at the store where I got this loan " You are not the first customer to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX B-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima is on only on my XXXX  report. I have paid them XXXX dollars monthly that they took out automatically. My account has been deemed as late 30 days and 60 days however I was only late by a few days, nagain which are the days they took the payments. They are saying they got XXXX, but no payments on XX/XX/XXXX-XX/XX/XXXX. I paid them offnin XX/XX/XXXX but they are reportingXX/XX/XXXX. I have the receipts they emailed to me. In XXXX there was 3 payments taken. This company is ruining my credit. And XXXX  system won't take thebproof, the proof, emailed and uploaded the proof and mailed it in. Please help
Product: Debt collection

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX  XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Mortgage

On XX/XX/2020 I sent in a check for {$400.00} to cover a short fall in my escrow which was notified by my mortgage company to keep my mortgage payments down. They stayed at {$600.00} a month. In XX/XX/2020 I changed home insurance companies for a better rate and informed my mortgage company of this change. They in returned sent me a notification that I was short in my escrow and that I needed to send in short fall to cover my escrow. I sent in a check for {$1000.00} on XX/XX/2020. Then in XXXX I was notified that my monthly mortgage had gone up to {$670.00}. When I contacted the mortgage company they explained that I had a major shortfall in my escrow account. I asked where did my to checks go that I sent in for escrow? Upon examination it was found that the {$400.00} had gone to principle and interest and I am really not sure where the {$1000.00} check went. I have been in contact and written letters to this mortgage company with not a response from them. The latest episode is they said I had not paid my XXXX mortgage payment when my bank shows that on XX/XX/2020 The mortgage company had been paid the full amount. Please refer to my enclosed letters.
Product: Debt collection

Company calls daily. I have spoke to them twice ; I do not know the person they are trying to collect from, but they continue calling every day.
Product: Mortgage

On XX/XX/2018, XXXX XXXX XXXX, at my direction, submitted a payment of XXXX via Bill Pay to Di Tech financial to pay of my mortgage loan number XXXX for my home at XXXX XXXX XXXX. in XXXX, CA ( XXXX ). I spoke with XXXX XXXX ( XXXX x XXXX ) and XXXX XXXX, Member Service Center Assistant Manager of XXXX XXXX XXXX ( XXXX ) faxed proof of payment and cashed check to Ms. XXXX at XXXX, Ms XXXX has not responded with follow up, nor has she replied to two subsequent follow up voice mail messages. The missing {$100.00} has still not been applied to my account.
Product: Credit reporting or other personal consumer reports

I asked XXXX to investigate the negative account with American Express and provide a copy of a contract that I agreed to do business personally with them but they have failed XXXX  to provide such information. 
They have not responded provided any details of their investigation and they just update the XXXX  information. 
This is causing me tremendous harm as I XXXX  not able to get a XXXX loan which is much needed at this time.
Product: Credit reporting or other personal consumer reports

I am sending in these documents at your request. Let me continue to explain what took place. My card was hacked for {$3000.00} and {$1500.00} and I called you on a recorded line to dispute these charges on card ending in XXXX. So you sent me out a new card ending in XXXX which I never received. But you gave me the last XXXX digits of the card that was coming by mail which was XXXX. Upon checking my statement it had a {$1500.00} balance on the card which I never received. You said the other XXXX fraud charges would be taken off. Then you advised me that you would send me another new card because of the fraud on the card with {$1500.00} on it and that you would be looking into that matter. Now mind you I have not used any Barclay card since I paid it off in XX/XX/XXXX. I believe you have a thief in your department that used my cards. But the biggest problem I have and I want it corrected immediately is some XXXX from Barclay requested {$1400.00} out of my checking account on XX/XX/XXXX and you received it on XXXX as payment. I never authorized any payment to you. I didnt owe any payment to you. My bank did not authorize any payment to you. I tried a stop payment on it but it went through. I have spoken to XXXX of your representatives that barely speak English that I could not understand to try and solve this to get my money back. I have went through your fraud service and everything. My next step is my lawyer. I have sent you these documents to you of drivers license, social security card and bank statements. Now its real simple to give me back my money by reversal of payment. I never owed you {$1400.00}. I owe you a balance of {$19.00} for donuts from XXXX store. I have been a customer of yours since XXXX you dont treat people like this. You figure out who frauded me and who your thief is on your own time. Dont let my money set idle while you figure it out. That is my monthly bill money I need to pay my bills. I had to borrow from my bank to correct all my returned items to my other creditors because you wont return my money sent to you by an outsider or insider in your organization. This is not a way to keep my business with you. I will be calling you on Monday to get some results or my attorney will take control if we cant reach an agreement on the money taken from my account. You should be able to see who authorized money from my account to you. If you cant then you got a XXXX poor system. 
Sincerely. 
XXXX XXXX XXXX All this was sent to Barclay Card Services. Thier is a thief inside their organization. I just received an alert on XXXX that Barclays had requested an address change to experian. I did not do this.
Product: Student loan

In XX/XX/XXXX, I provided FedLoan Servicing with my employer certification, per policy for the Public Service Loan Forgiveness program. Because the signature was electronic and not 'wet ', they stated the form was not correct. In all the years past, this has been accepted. 

In XXXX, I provided the form again. In XXXX, I called and they stated it would be expedited and the payments would appear on my account. I called again in XXXX, because they still had not been accepted. I was told they were trying to see if my employer qualified. I have been employed with the same government agency since XXXX and my payments have been counted before. 

It is now XXXX and my payments still have not been added to my account. I am tired of calling and getting the run around. You are placed on hold for extended periods of time whether it is on the phone or chat. Everybody gives you a different answer and none of it appears to be the truth. It is rather ridiculous!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. ( XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of my Acima account ( # XXXX ) on my credit report due to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX and its founder, XXXX XXXX, for illegal lending practices. Given these allegations, I believe my account was subject to deceptive and unfair business practices, and I am requesting that it be removed from my credit report immediately. 

XXXX engaged in misleading and predatory financial practices, including a lack of transparency regarding fees, payment structures, and total financial obligations. These practices not only violated consumer protection laws but also directly impacted my financial standing. Because this account was established under these unlawful conditions, it should not be allowed to negatively impact my credit. 

I am formally requesting the following actions : A full investigation into this account to determine whether it was reported in compliance with federal lending laws. 
Written confirmation that my account has been removed or a detailed explanation if my request is denied.
Product: Credit reporting or other personal consumer reports

this loan on my report don't belong to me its a result of fraud the address on the loan is not my address the name and all other information don't math with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting.

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Product: Debt collection

I received a copy of my consumer report and found a collection/chargeoff account that I didn't recognize and reported only by XXXX. I was distressed and it affect my mental and physical health. I want to take legal action about this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I requested XXXX to wire transfer $ XXXX, xxx.xx USD from my account to my savings account at Chase Bank. Unfortunately the monies never arrived. 
I mistakenly inserted the wrong XXXX XXXX account number as follows XXXX, the underline denotes a number missing. However it should have been the correct account number as follows XXXX. 
I notified XXXX of what happened and requested that they contact Chase to have Chase to return or credit the money to my account. 
On XXXX XX/XX/2023 XXXX submitted the correct documentation to Chase. Neither XXXX nor I have yet to receive any response from Chase that they had received XXXX request. 
A number of weeks and during the past weeks XXXX tried contacting chase numerous times but no response by phone and e-mails. 
In the meantime, I requested my Private Client banker ; XXXX XXXX XXXX XXXX and Branch XXXX XXXX XXXX XXXX if they would assist me in having Chase return the money. Their reply was that they could not since it is up to XXXX to initiate the process. I also asked XXXX XXXX and XXXX XXXX several times if there was an account anywhere in Chase with the afore mentioned incorrect number, and both replied that they could not do this due to privacy concerns. 
I attempted numerous times to contact Chase Wire Transfer Department and as soon as I gave them the my correct account number, I was transferred to someone in XXXX XXXX Department even though I mentioned several times that this was concerning a Wire Transfer and not a Private Client matter, it fell on deaf ears. 
On, XXXX XX/XX/2023 morning, I sat with XXXX XXXX XXXX Manager-Client Relationship Support for more than an hour trying to contact someone from Chase to help us, we were spun all over the place and nothing happened again. 
XXXX XXXX also tried to contact XXXX XXXX XXXX Chase XXXX XXXX at XXXX and had to leave a message with her secretary, XXXX XXXX nor I, have not had any response to the numerous requests. 
Please understand that I am a Senior Citizen and XXXX XXXX Veteran suffering from XXXX, amongst other things ; I find the afore mentioned very frustrating and difficult to deal with. 
I am requesting that someone in Chase look into this matter and respond to me or XXXX XXXX of the status of my money. 
Thank you
Product: Credit reporting or other personal consumer reports

According to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Miscellaneous Medical/Related Health XXXX XX/XX/XXXXXXXX XXXX  Miscellaneous Medical/Related Health Individual XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Restaurants/Concessions Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Service Reseller Individual XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX Automobile Financing Company Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my reports, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I checked my credit report and notice many incorrect items being furnished without my permission. 
I reached out to the debtor with no success and then sent a letter to Transunion to address the illegally furnished items. I requested them to address these items as well as send me proof as to why they are on my report. 
It has been well over 30 days, which I know by law they must respond by then.