23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A XXXX  company charged my card almost {$200.00}. When I called to let them know they told me they were processing refund but didnt so I contacted Cash app and they refuse to give my money back even after I showed proof it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started a credit monitoring service and noticed several accounts that do not belong to me.There is also incorrect " late pymt '' entries from companies that I do have accounts with also.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 account XXXX was disputed with company XXXX XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.
Product: Credit reporting or other personal consumer reports

I filed my last dispute on XX/XX/year> with Experian regarding a fraudulent XXXX XXXX  account ( Account No. XXXX ) that was unlawfully reported on my credit file. Despite submitting an FTC Identity Theft Report, Experian has failed to take corrective action as required under the Fair Credit Reporting Act ( FCRA ). This account was reported without my authorization, violating 15 USC 1681b, which limits consumer report disclosures only to those with a permissible purpose. Additionally, this account appears only on my Experian credit report, while XXXX and XXXX have already REMOVED it or NEVER reported it, making Experians continued reporting a clear violation of 15 USC 1681e ( b ), which mandates credit bureaus to ensure maximum possible accuracy. If Experian were following the law, it would have deleted this fraudulent account just as the other bureaus did. Despite my multiple disputes, Experian has ignored its legal duty under 15 USC 1681i to conduct a proper reinvestigation and remove unverified or fraudulent accounts. Experian has failed to provide any proof of my authorization, method of verification details, or supporting documentation linking this account to me. By continuing to report unverifiable information, Experian is engaging in willful noncompliance, making it liable under 15 USC 1681n, which allows for statutory damages of up to {$1000.00} per violation. Furthermore, Experians refusal to correct its inaccurate reporting is causing ongoing harm, affecting my financial opportunities and violating my rights under federal law.
Product: Credit reporting

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does not belong to me. 

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does Infact belong to me. 

XXXX and XXXX Credit Bureaus purged the above entries and removed from my Public Record on my credit report. 

EQUIFAX refuses to stating they did n't file this information the Bankruptcy Court supplies the information which is not true. I have filed XXXX disputes and talked to XXXX different people up the chain of command. My end result has been it 's equifax decision to report this information for 10 years instead of 7 years as the other credit bureaus have done. Please help me. I need to buy a home. Each employee has told me different information and they have straight out lied. If the phone calls are recorded you can hear them yourself. Your told it can take up to 30 days for the result of a dispute but the last XXXX I filed had results less than 24 hours later and I have the email to show that. My dispute case # XXXX are : XXXX, XXXX, XXXX, XXXX dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ... 

Please contact me with any question. This is a very important issue. Thank You for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX # ***********DOB : XXXX would also like to add that my credit score with Equifax has actually gone done since filing disputes as my credit score Has gone up with XXXX and XXXX . I have a score of XXXX with XXXX company and a score of XXXX with Equifax. I. Desperately need help. The reason we had to file for bankruptcy in XXXX was my husband was XXXX. It certainly was n't something we wanted to. We had no choice. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a written request to the three major reporting agency ( XXXX, XXXX, and TransUnion ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD A CHANCE TO TAKE A LOOK OVER MY CREDIT REPORT AND CAME ACROSS AN ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT IS AN OPEN ACCOUNT THAT IS ONLY REPORTING ON EQUIFAX. THE NAME OF THE ACCOUNT IS ( XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE MADE. THIS IS ALSO CAUSING MY SCORED TO DROP EVERYTIME IT REPORTS LATE. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT IT CAN BE RESOLVED IN A TIMELY MANNER.
Product: Checking or savings account

Suntrust Bank opened up a checking and money market account for me on XX/XX/XXXX. I deposited XXXX in the money market account and XXXX in the checking account. On XX/XX/XXXX Suntrust told me my accounts have been closed due to undisclosed federal regulations. They would not tell me the reason even after going into the branch. They then told me my money would take 30 days to mail back to me. I find this unacceptable that over $ 21k dollars is tied up by the bank for this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX communicated a change in my score. Transunion reduced my score from XXXX to XXXX a drop of 58 points from XX/XX/XXXX to XXXX, 2020. This is devastating. Why? I had just paid my bills on time. XXXX dropped my score to XXXX. Both scores fair. I had an autopay with A service and I canceled it why drop my credit score. I contacted the autopay company and they said I could cancel so What caused the drop in score?
Product: Credit reporting or other personal consumer reports

I filed a dispute on Experian with accounts : Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX  Account XXXX : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Due to inaccurate and unlawful, unreliable information. Experian denied following up with the investigation. I recently was notified that CFPB had filed a lawsuit against Experian. They alleged that the company accepts unreliable information and fails to notify consumers of dispute results. 
This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian has violated federal laws and my rights as a consumer.
Product: Checking or savings account

Include dates, amounts, and actio

ns that were taken by you or the company. Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Product: Debt collection

Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and opened up cards in my name
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to follow up on my previous communication dated [ date ] regarding inaccurate and unverified information on my credit report, as reported by your agency. To date, I have not received any response or resolution to the issues outlined in my initial complaint. 

The inaccurate information pertains to the following items : All information is inaccurate and lawfully verified I.e legal standards. 
Incorrect address I.e multiple and inaccurate, It has been months since XXXX any update or fix or correction Acquiesce to claims. By law they need to remove all closed inaccurate accounts I was not notified of any posting of any information on my account. 

I want to emphasize that all of the information in question is inaccurate and unverified. I have not received any communication regarding these matters, and no documentation has been sent to me via certified mail or any other verified method. 

Given the lack of response and the continued presence of inaccurate information on my credit report, I am now considering the applicability of the Freedom of Information Act ( FOIA ) to this situation. 

I expect a prompt and thorough investigation into these matters, and I insist on the correction or removal of the inaccurate information from my credit report in accordance with the FCRA. If necessary, I am prepared to exercise my rights under the FOIA. 

Please treat this matter with the urgency it deserves, and I look forward to your response
Product: Money transfer, virtual currency, or money service

WIRE TRANSFER via REMITLY.COM ( for accommodations booked on XXXX  through a company called XXXX to a " apartment owner '' called XXXX XXXX with a bank account at XXXX XXXXXXXX XXXX XXXX. ) : XXXX : None of the information below is my personal information. It is information related to the party who committed the fraud. 

WIRE TRANSFER 1 Company : Remitly.com Date : XXXX Amount : {$3000.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXXXXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 2 Company : Remitly.com Date : XXXX Amount : {$3000.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 3 Company : Remitly.com Date : XX/XX/ Amount : {$850.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 4 Company : Remitly.com Date : XXXX  Amount : {$93.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Name Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dismanting Addresses Inconect XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Inquiry CapitaloNe Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized Inquiry CC XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX Unauthorized XXXX XXXX Date of Inquiry : XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed all. 
XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXX XXXXXXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX  ACCOUNT XXXX THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX  ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer.
Product: Credit card

I been getting the run around from chime customer service about a deposit return from XXXX XXXX XXXX XXXX office located in XXXX AZ for rental car rented on XX/XX/2024 and returned in XXXX XXXX on XX/XX/2024. Original amount was {$160.00} until I kept the car 1 extra day bring it to {$120.00}. I contacted XXXX XXXX XXXX management which confirmed the exact amount and date the deposit was sent to chime being {$120.00} on XX/XX/2024 where chime denies receiving deposit and each chime agent gives me different excuses each I contacted them and i have not received my deposit yet.
Product: Debt collection

XXXX XXXX  XXXX charged my credit card for a service I did not order. It was done without my knowledge, using my name, social security #, an address not mine, and an incorrect email address. I called their fraud dept. and was assured it would be corrected. After it was not, I wrote the president of the company and was assured by his assistant that it would be taken care of. It wasn't and it went to first collection agency. I explained to them and send backup attachments that it was not my account. A few months later I get contacted by a second collection agency. I again sent attachments proving it wasn't my account and that was that. Just now I have been contacted by my cyber protection company that another collections company wants me to pay even more money for a debt I do not owe. They suggested I call XXXX and get it straightened out. The third collections agency has let the credit ratings companies and my credit rating has plummeted. My credit card company has also contacted me that the money that had originally been reversed from my card is back on the account.
Product: Vehicle loan or lease

Starting XXXX of XXXX when I bought the car they told me nothing was wrong with it even though the check engine light was on. I was told to call the bank I bought the car through and speak with them about insurance mind you I have full coverage insurance on the car however they told me that I would have to pay for repairs out of pocket even with full coverage and extended warranty on the car. The car has not been driven in 4 months now due to the severe mechanical issues the motor is having its unsafe to drive. The bank has called / email or texted me every day of the month telling me I need to make my car payment. I explained I would be late on a payment and theyd advised me that they couldnt help me anymore because Ive threatened them with a lawyer. However I have asked them and told them along with blocking many numbers and emails from them for the harassment every single day all hours of the day and night. They told me I was 11 days pass due for my payment and said I need to make a payment or they would repossess my car which is illegal my contact says I have to be a full 30 days behind and that I have 72 hours after that to make the outstanding balance or my car would be confiscated. Im not sure what else to do but I advised them to stop the threats and harassment or I would file a lawsuit as the car is in the middle of a lawsuit ( XX/XX/XXXX ) for auto fraud and warrant in debt for my name being forged on a paper I never signed or received and them harassing me nor wanting to fix the car even with insurance or warranty. A bank should not be able to call, message or email me all hours of the day and night from many different numbers or tell me I have to make my payments through XXXX or XX/XX/XXXX. I have tried to arrange something with this bank for lower car payments or refinancing the car as I have had it 10 months and theyve denied me any help. After theyve already threatened to repossess my car 2 times ( I have evidence ) when I want a full 30 days behind.
Product: Debt collection

I have paid this balance about 6 month ago, but it 's still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed collection remark from my credit report. Equifax. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate and Unverified Account Information Reported by Chex Systems Account Information : XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX Dear CFPB, I am writing to file a formal and urgent complaint against Chex Systems for the continued reporting of inaccurate and unverified information regarding my XXXX XXXX XXXX account. Despite repeated requests, Chex Systems has failed to provide the original consumer contract for this account, a fundamental requirement for validating the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the bank statement provided by Chex Systems is inaccurate. The account was closed on XX/XX/2023, with a XXXX balance at the time of closure. Chex Systems is inaccurately reporting this account as an over drafted account with a balance of {$240.00}. 

Chex Systems ' refusal to provide the original consumer contract and the reporting of this false and misleading information demonstrate a blatant disregard for my consumer rights. This inaccurate and unverified information is negatively impacting my ability to access essential financial services, including opening bank accounts and obtaining loans. 

I demand that Chex Systems immediately cease reporting this inaccurate and unverified information. I request that the CFPB investigate this matter thoroughly and take appropriate action to hold Chex Systems accountable for its violations of the FDCPA and other relevant consumer protection laws. 

I expect a prompt and comprehensive response to this complaint, including a detailed explanation of the steps taken to address the issues raised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

Recently due to inflation and my need to track each and every dollar I make, there seems to be a discrepancy to my charges and balance. If a charge is pending it takes from current balance and again takes after it ends pending state. My account is deducted at time of purchase as well as later once the transaction exits pending state. My transfers pend as well. If I move a dollar amount to a goal amount or to one of my other cards it could pend. I requested twice for something's similar to an audit to my account as well as a refund. First I had the wrong department second I didnt get a response. As I continued on it literally changed to negative as soon as I used the card and my purchase was declined. Im like wait I know exactly what I made how much I spent and what very little I had left. I check the balance every time before I purchase to budget. It was little because every transaction had been deducted. This would need to be an entire review of my account because its been the entire time. It isnt till now I realized how the process took place and wasnt just poor luck. Its a fallacy on how it hasnt been processed and just use debit not charge. The option isnt always available and I shouldnt be penalized for charge versus debit when both do the same for me. This is false process because I watch it down to my last dollar and once it deposits or I transfer to another card and that doesnt happen on those accounts. Im afraid quite a bit has been stolen from me and getting a refund looks overwhelming in its feat. Hopefully this helps others who arent getting a solid trust with the XXXX card. It is required to get this card if XXXX wants to have funds available immediately as direct deposit after making it.