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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX Transunion Consumer Solutions XXXX XXXX XXXX, XXXX PA, XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, Not later than 4 business days after the date of receipt. It has been 30 days you are in violation of this law because I am victim of identity theft! Please delete these items IMMEDIATELY. 

XXXX XXXX {$500.00} These accounts should not be furnished on my consumer report as they are in VIOLATION.

Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject To subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In Accordance with the WRITTEN INSTRUCTIONS 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 account listed immediately. 

Thank you. 
XXXX XXXX
Product: Prepaid card

I am writing to formally dispute the unauthorized transactions on my Chime account and to address the failure on Chime 's part to properly notify me of these transactions. Despite my diligent efforts to ensure that I received all necessary notifications from Chime, I did not receive any alerts or warnings regarding these unauthorized activities on my account. 

At the time of the transactions in question, Chime failed to notify me as agreed upon. This lack of communication directly contradicts the protections and services that Chime is obligated to provide its customers. As a result, I hold Chime responsible for negligence and willful disregard for my account 's security, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ). 



Due to this failure to notify and the resulting financial loss, I am requesting an immediate investigation into these unauthorized transactions and a full reimbursement of the disputed amounts. Additionally, I urge Chime to review and rectify their notification procedures to prevent such issues from affecting other customers in the future. 

I expect a prompt response to this matter and a resolution that reflects the seriousness of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Please I need an investigation on some fraudulent accounts that are being reported on my credit. I was viewing my credit yesterday when I detected some accounts that our not mine. I did not approve these accounts, nor have I given anyone permission to use my credit. Now I am unable to obtain new credit because of this. Please have these accounts removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian about several unauthorized inquiries on my credit report. On XX/XX/2022, XXXX XXXX XXXX fraudulently obtained a credit report on me resulting in a fraudulent inquiry on my credit report. I also have a fraudulent inquiry, XXXX on XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022. I was told by each of those companies to contact Experian and file a fraudulent inquiry complaint. These inquiries are fraudulent and I want them removed
Product: Student loan

We have had an ongoing issue with Mohela and the XXXX loan forgiveness. My wife and I had loans that were combined together under a spousal consolidation. My loan portion was forgiven, but we did not reveive forgiveness for my wife 's portion. After months of trying to get an answer from Mohela about my portion, we received a call on XX/XX/year> stating that they now understood the problem with the remaining loan balance. They gave me case # XXXX, said the account was now being tracked, we would be receiving a forbearance, and that the loans would be forgiven after we went through the process. One portion of the remaining balance was forgiven, but there is still a balance of XXXX. The forbearance has now expired and once again Mohela states that the loans are due to be paid this month. We are requesting to be put back on the forbearance and to have the remaining balance forgiven.
Product: Credit card

My payment for this Cerulean MasterCard is due on the XXXX of every month. After the XXXX all my payments are late and subjected to penalties ... which I understand. 

Cerulean/Continential Finance received my payments before XX/XX/2024. On XX/XX/2024 I made a {$25.00} payment for the upcoming XXXX payment. On XX/XX/2024 I made a {$25.00} payment towards the XX/XX/2024 payment. On XXXX the XXXX, I made a {$58.00} payment for XX/XX/2024 totalling {$100.00}. 

On XX/XX/XXXX, Cerulean/Continential Finance billed me {$41.00} saying that I was late paying when I had all of my payment in before the XXXX of XX/XX/2024. They also charged me an addition {$36.00} for interest on a purchase. Last month it was {$35.00} for the interest on the same purchase. 

I called they told me they had no payment for the {$25.00} and therefore I was late because my bill was not paid on time. I told them this was not true and I am looking at all my payments for XX/XX/2024. The agent wanted to argue with me. This is the 2nd month in a row that they have been cheating me, and I have had enough of it. 

The credit card has a XXXX balance. After paying XXXX installment of {$100.00} from the {$1500.00} balance. I received a statement stating that I owed {$1400.00} total balance. I never was credited to have the amount paid taken off my balance, and have decided not to pay anymore on this card until I am placed in right standing without extortionary, predatory practices being inflicted upon me as a cardholder. 

They have suspended all purchases, and take my money but do not credit my account accurately or fairly. On top of my installment I am charged {$35.00} to {$36.00} per month plus late fees in which I am not late. 

I want my purchases to reflect my payments, and to be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute regarding an incorrect amount for my auto loan thru XXXX XXXX XXXX XXXX XXXX. The correct amount remaining is {$580.00} Experian is the only credit bureau company reporting a {$2800.00} balance. I have sent a current statement and the XXXX also emailed a payoff statement to me to prove the amount on the payoff letter is up to date. Experian is refusing to update the correct amount. Please advise the next step. I have disputed this 3 ot 4 times Thank you
Product: Credit card

Hello, I have a XXXX credit card through Alliant Credit Union. This card offers 2.5 % cash back provided XXXX meets certain conditions. I had accumulated {$2600.00} in cash back through out 2023. On XX/XX/XXXX, I redeemed the entire cash back amount earned of {$2600.00} for a statement credit on my card. By first week of XXXX I had still not seen this statement credit come through. I called Alliant Credit Union and they confirmed that there was no statement credit yet. They transferred me to " cardmember services '' and the agent informed me that it can take up to XXXX billing cycles ( 2 months! ) from the time of the order to show up on my statement as a credit. 

She also informed me that had I chosen to deposit the cash back amount into my checking/savings account at Alliant Credit Union that would have taken only a few business days. However, since I had already placed the order they did not have a way of cancelling the order and change the mode of redemption. All of this seems like another way to hold on to MY earned cash for up to XXXX more months. I do not see why it would take that long for them to issue my statement credit. Nowhere along the order path was I informed it would take that long and nowhere was I informed there was an alternate method of redemption. I would like to not wait for another month ( I have waited almost a month now ) for my statement credit in the amount of {$2600.00}. 

Thank you XXXX 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. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is reporting false information on my credit report. Two accounts do NOT belong to me, and these accounts are hurting my credit and my ability to obtain potential employment. I believe these XXXX negative accounts were removed in the past, but sold to another third party collection agency in hopes to collect on a debt that does not belong to me.
Product: Checking or savings account

i have verified all appropriate means with my account number social and debit card number but the bank has frozen my account and states i need to go to a branch to verify my identity i am currently sheltering in place in XXXX due to conrona virus and cant visit a us branch i need access to my funds as this is my only source of money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX has violated my rights.

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.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with XXXX XXXX. I am also requesting a receipt of this loan, as well as please provide the note!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a thorough investigation to be conducted and for someone to review the discrepancies I reported that I did not consent on my credit report.
Product: Credit reporting

After having multiple inquiries about loan options, I received a copy of my credit report and see that my credit score has dropped severely. At no point in time has anybody representing the company with which I checked about a loan warned me about the negative impact of a simple lookup of credit. I 'm now unable to qualify for a much needed home loan, and I 'm told that it will take at least 2 years to fix this issue. My dispute is that these inquiries were not made in a fair manner and should be removed from my credit history.
Product: Debt collection

I have advised debtor this account is not mine and I need it removed from my credit report as soon as possible. At this time I Am looking to buy a home.
Product: Credit reporting or other personal consumer reports

I took out an installment loan XX/XX/XXXX for a XXXX XXXX XXXX and paid it off XX/XX/XXXX. 
It was originally reported to the credit bureaus as a closed account a caused my score to decrease. 
The account was paid as agreed on time every month. Never any late payments. 
I do understand the account is closed but no comments added detailing my payment history. This account was paid as agreed.
Product: Debt collection

We disputed the debt 's validity according to the Fair Debt Collection Practices Act. We sent a certified letter within 30 days of receipt of the unjustified notice. The debt collector, I.C. Systems, received the certified letter disputing the debt 's validity on XX/XX/year> at XXXX XXXX. The disputed validity stated, " ... this is not my debt. " The debt collector, I.C. Systems, despite evidently having received the " not my debt '' letter on XX/XX/year>, violated the Fair Debt Collection Practices Act by sending an additional unjustified notice dated XX/XX/year> for the same claimed debt that had been declared as " ..not my debt, '' within 30 days of receipt of the unjustified notice. 
Under the FDCPA, specifically Section 1692g ( b ), if a consumer sends a written notice within 30 days of receiving initial communication from a debt collector I.C. Systems disputing the debt ( e.g., a " not my debt '' letter ), the collector I.C. Systems must cease collection efforts until they verify the debt and provide that verification to the consumer. Ignoring such a letter isnt just a procedural slipits a direct violation of federal law. If collectors persist despite repeated disputes, theyre also potentially breaching Section 1692d ( harassment or abuse ) and Section 1692e ( false or misleading representations ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX removal 41 inquiries of credit file. Called XXXX and spoken to an assistant for an hour. To date, company failed to remove inquires off credit file. Company continues to furnish improper information on credit file.
Product: Credit reporting or other personal consumer reports

I do not know these hard inquires so please remove these from my credit report. Thank you. XXXX XXXXXXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

CFPB, EQUIFAX won't fix the the problem they do a 30 day investigation and then they will leave the information the same someone needs to hold these credit bureaus accountable for messing up consumers credit scores my new XXXX XXXX  credit card I've had for over a year never late they are doing the opposite of taking your credit score down. How can that be my next step is I'm contacting my Attorney General about this matter as well. At this point I'm done calling Equifax as well with online disputes. Also as you can see they turn there online dispute system off.
Product: Vehicle loan or lease

On XX/XX/XXXX we sold the vehicle of this lease to a dealer. The dealer sent a check with the payoff amount to Chrysler Capital who financed the lease. Since then I have tried many times to receive a XXXX satisfaction letter from them so that I can use it to get a refund for the extended warranty from the dealer which we did not use. They require a XXXX satisfaction letter before they will refund us for the warranty. I have contacted Chrysler Capital at least a dozen times over the course of XXXX weeks requesting this letter. I have talked to several members, even managers in the correct department who all assure me I will receive it in the mail. After waiting many weeks ( much more time than how long they said it would take to arrive ) I requested it be sent via email. I have now requested XXXX separate times to receive the letter by email and each time they assured me it would arrive within XXXX hours. I have never received this letter, either by mail or by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have inaccurate information removed to no avail. Names on my report are still incorrect. Address are incorrect. Employers are incorrect. Debts have been paid or settled yet negative information is still reflecting on my report. This information needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX XXXX XXXX I need to file an FTC report for fraudulent inquiries on my credit report for them to resolve the matter.
Product: Bank account or service

I opened a citigold checking account with Citibank. The promo code was supposed to be applied to my account 90 days from the opening of the account.we are now over 90 days and they advised the are now investigating promo code. Opening of account was done through their website and promo code was applied automatically. I was advised they will need 30 to 60 days to complete investigation. This Citibank has mislead me and now I am forced to keep my funds with them as I will need to keep my bank active.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet has been reporting inconsistently on my credit report. I have 13 loans with nelnet but 1 account number. Each loan has a different date of being late. I only pay 1 time a month. So it doesnt make since for it to be a different date on each loan showing Im late. Recently nelnet has reversed one of the late payments on the loan and kept all the rest of the loans late. They have the same account number and I pay 1 time a month.
Product: Mortgage

On XX/XX/23, XXXX ( XXXX XXXX ) from the " advocate '' area ( I guess? ) called me and left a voicemail. With no information. No direction. No help. No reason. NOTHING. Just XXXX, Roundpoint mortgage. Call us back. *END* Their phone tree takes far too long. There was no direction, no 'general ' area to talk to someone who can get me to the right place. I have spent 45 minutes on the phone with them and still do not have an actual answer as to why I was called.

Further, the amount of literature/information that was provided regarding whether autopay was or was not set up, who/how/when payments that were set up with the old company are or are not going to be switched over etc. were all confusing as XXXX. Some of the emails I received I have a minor in finance. I was a XXXX in college for a finance class. While I am not the smartest in the area, I am certainly far above average, so if I can not dissect that information, what hope does the average ( or below average ) person have? 

A company that handles dollar amounts the size of mortgages needs to have a level of service that is commensurate. A reasonable amount of time with any customer service representative should at least indicate if it is worth my time to discuss further. To find out that this was a voicemail in regards to a complaint I filed about the transfer process being garbage was a full circle failure by this company.
Product: Credit reporting or other personal consumer reports

I am reporting Equifax for failure to properly to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions. Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) XXXX U.S.C.XXXX, which mandates reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act, XXXX, U.S.C XXXX ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administration proceeding, ( File number XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Experian when I received an alert about my account. I checked and a company, XXXX XXXX, had filed a collection against me for {$530.00}, destroying my credit. ( I worked hard to build up my credit and my payment history is exceptional ) The original creditor was listed as XXXX XXXX. 
I do not have and never had an account with XXXX. They do not even operate in Alabama. 
I called XXXX XXXX on XX/XX/XXXX. The representative asked for my SS number and insisted I pay. I refused without knowing what it was about. I was told that they would have to investigate it. I asked if I would be charged for this and she said yes, but wouldn't tell me how much. 
On XX/XX/XXXX I was able to find a phone number for XXXX where I could actually talk to someone. The rep transferred me to the collection dept where I was instructed to file a fraud report with the police. She said when they received it, they would remove the collection from Experian. I was given a website to go to fill out a form, but it is overwhelming to me. I am XXXX XXXX XXXX, ill, and have XXXX XXXX. It is difficult for me to figure out things. 
I did file a fraud report with the police and can get a copy of it next week, but don't know what to do with it.