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

Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I believe these entries have NOT been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 



As you are aware, the Consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Equifax and Transunion for FAILING TO CONDUCT LEGITIMATE INVESTIGATIONS IN TO CONSUMER DISPUTES. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process.

I have provided a 1099-C form which confirms that the debt associated with these account were canceled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file.

The continued presence of this charge-off is inaccurate and non-compliant with the law. I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

called TRANSUNION ... trying to tell them I am a victim of identity theft, I told him why would I run my credit over and over with the same company 's and I already have a bill with one of them. guy didn't try and listen to what I was saying brush me off and I tried explaining to him I already contacted XXXX and they are working on it to get it fixed. he told me I need to mail a police report for inquires. 
XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I went to purchase a car. The only approval I want was through the XXXXXXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX that was pulled XX/XX/XXXX. I also did authorize XXXX XXXX XXXX. I didn't authorize XXXX XXXX XXXX. They was all pulled XX/XX/XXXX. I have also didn't authorize XXXX XXXX that was pulled XX/XX/XXXX. I have reached out to all credit bureaus to settle this matter XXXX of them provided the proper steps to verify that I have personally authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 34 inquiries on my credit file and their duplicated unnecessary hard inquiries with the same companies withe no credit history with the companies. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, I switched cell phone service from XXXX to XXXX and paid any balance in full. Months passed and eventually got a new bill under my name with a DIFFERENT PHONE NUMBER that I never had. I communicated with customer service and they transferred me to the Fraud Department. The rep determined the account was created by an unknown employee by using my identity. I contacted the local authorities and filed a report, which I have attached in you page. 

Debt has been sold to third party collection companies that I have called to inform it has been fraud. 

On XX/XX/XXXX, I wrote a certified letter to CBE GROUP demanding proof that this debt was mine. I also included the police report. 

On XX/XX/XXXX, CBE GROUP responded with the attached letter ; informing that the debt was confirmed. 

This situation has affected my life and credit opportunities. 

I respectfully request to investigate with hopes of removing this record from the bureaus XXXX, XXXX, and XXXX. 

Thank you.
Product: Checking or savings account

On XXXX XXXX my Chime checking account was fraudulently charged {$180.00}. The transaction was listed as having been placed by " XXXX XXXX XXXX ''. I researched the company who placed the transaction against my account and found it they are engaged in massive fraud. Having XXXX  them I found thousands of posts and articles about this company and other names they have been operating under when fraudulently withdrawing money from people 's accounts. 

I contacted Chime providing them all the details on the transaction. Stated I did not engage in any financial transactions with XXXX XXXX XXXX  and never authorized any transactions by XXXX XXXX XXXX. 3 weeks passed and I emailed Chime support for an update. I received a automated reply. I replied to the automated reply and within 2 hours received a notice that they had closed my dispute claim and determined the transaction not to be fraudulent.

I appealed and provided more details on the company and digital printout of various articles detailing the fraud XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX ) was engaged in. Another 3 weeks passed with no response. I contacted Chime support AGAIN requesting an update to which they replied back in less than 5 minutes that my appeal had be closed and they found no fraud. I have requested their documentation and evidence supporting their finding. I have yet to receive a reply much less copies of the evidence they claim to have based their decision on. 

I have run out of options where Chime is concerned. After searching for help through XXXX I found that filing a claim with your offices is my best course of action.
Product: Credit reporting or other personal consumer reports

This Complaint is against XXXX XXXX XXXX XXXX for a Fraudulent Credit Inquiry which remains on my TransUnion Credit File. This inquiry has been noted as Fraudulent, and XXXX responds that this Fraudulent has been masked, whereas only certain people can see it. However this is a Fraudulent inquiry, and it was placed on my Credit File by XXXX XXXX XXXX XXXX. I need this Fraudulent Inquiry totally and fully removed from my Credit File, whereas it can no longer be viewed by myself nor anyone else. I had no part of this Fraudulent Inquiry before it was placed on my Credit File.
Product: Debt collection

XX/XX/2015, XXXX XXXX diagnosed my computers problem as needing a new hard drive. They told us we couldnt just pay for this repair and would need to purchase a service plan that would cover the work needed. We were heavily persuaded to purchase a 3 year plan of nearly {$350.00}. Plus purchase the additional hard drive, which was not covered in the plan. 

When they went to install, they realized that the hard drive was, in fact, not the issue and the motherboard needed replaced. This assessment forced us to junk the computer and purchase a brand new one. We have been trying ever since to be removed from the service plan and receive a refund for it. We even offered to pay for the labor hours, but have been denied at every turn. 

XXXX XXXX roped us deceptively into a contract under the pretense of need. When that need was proven false, they refused to allow us out of the contract. Oh, and to add insult to injury, when we took our dead hard drive to a retrieving service to get our precious data from it, it was found that the blank new one was still in it. It took XXXX XXXX two days to even find our actual hard drive, which they never returned to the housing. 

We have never used this service for anything else and essentially paid {$350.00} for a wrong diagnosis and were forced to buy a new computer anyway. We tried repeatedly to receive a refund from XXXX XXXX, Best Buy, and Best Buy Credit. We were brushed off at every attempt. Since it was a credit purchase yet paid from pocket, I continued to make payments on the account until only the disputed funds remained unpaid and simply stopped making payments at that time. My credit report will show that this is not typical behavior for me and Im not trying to just avoid paying my debt. 

We are currently being sued by the collection agency representing the debt, and have since acquired documents from the original creditor containing fallacies regarding the transaction. These lies assert that work was done when in fact, they're charging us {$350.00} for a diagnosis.
Product: Vehicle loan or lease

On XX/XX/XXXX my Vehicle was repossessed by 5/3 Bank, for what they are claiming was missing payments. I was not contacted in any manner regarding late payments or that my loan was in default. I have gave express consent to contact me via Cellphone and Email as you will find my attached documentation. The consent was given in XX/XX/XXXX for Paperless statements, for which I have not received a single one ( still to this day can not view on XXXX ). I gave consent for my mobile phone on XX/XX/XXXX which I have attached photo evidence from the XXXX XXXX XXXX on 53.com. I have been in contact with XXXX XXXX, constantly, since the incident took place. I have left countless voice mails over the past months, some were given response, the most recent have been ignored. I have provided to their agency documentation proving that my bank account had sufficient funds, that attempts were made to make those payments, that previous consent had been given for contact. My online payments were made but never received, hence the default result due to technical difficulties that 5/3 Bank have admitted to experiencing in and around those months.
Product: Debt collection

I contacted the company on XX/XX/2024 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received. Unfortunately, I have not received any correspondence by XXXX Mail. The company is in default and has failed to respond.
Product: Credit reporting or other personal consumer reports

I have tried several times to dispute and demand investigations on the negative accounts on my Experian, XXXX and XXXX XXXX, credit accounts. I have reached out to original creditors and collectors to provide proper investigation report and haven't received any result under my rights to remove all negative reporting without full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2019 a mobile deposit was made to my secured credit card with Wells Fargo Bank, in the amount of {$530.00} and change. On XXXX XX/XX/2019 the money was made available to my card, ( card number not available to me as it was reported lost by me on XXXX XX/XX/2019. On XXXX XX/XX/2019, Wells Fargo bank did not report to me that the money was returned, UNPAID! The mobile deposit was paid by a friends sister. I found out the money was returned by looking at my online account and noticed my account closed. That the balance due is over {$850.00}. My secured credit card has an available balance of just {$300.00}. When the mobile deposit was made on XXXX XXXX, the money sent, {$530.00} and change paid off the entire balance due! When the {$300.00} became available to me on XXXX XXXX, I spent {$280.00} plus ATM charges and advanced payment charges, not yet told or shown on my online account. So, how in the world is Wells Fargo bank, holding me liable, closing my secured credit card and ruining my chances of increasing my credit score by making on time payment and closing the card. Why am I liable for the {$530.00} in returned GOOD FUNDS. A mobile deposit can not be made unless the funds are available and are instantly sent! This is the third time Wells Fargo bank has done this to me! I want my secured credit card account re opened. I want the {$530.00} taken off of my balance due immediately. The prior two times a mobile deposit was returned was in the amount of {$610.00}, twice, that I later, foolishly paid them. I also the amount of those two mobile deposits returned to my checking account with Wells Fargo. That's a total of {$1200.00} plus the most recent returned mobile deposit for {$530.00} returned to me immediately! Thank you. Wells Fargo bank is simply an organized crime syndicate stealing money from its own customers! The many lies told to me include by a woman in the executive office of credit cards on the phone lied and told me that the deposit was a " bad check "! If it were a bad check, why are they not doing a criminal investigation as required by law?
Product: Debt collection

I called XXXX & XXXX and was told the account reporting on my credit file does not match my address or my identifying information yet Target/TD is still reporting on my credit file. My address : XXXX XXXX XXXX XXXX KS XXXX. I 've been a victim of identity theft many years ago and I have submitted yet another police report.
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX XXXX of IL. XXXX XXXX XXXX XXXX XXXX XXXX of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX XXXX of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Credit card or prepaid card

XXXX XXXX RE : Account number ending in XXXX Adverse action Discover card is in violation of ECOA ( equal credit opportunity act ) and Regulation B which require creditors to provide statements of specific reason as to why adverse action was taken against me ( consumer ). Discover for no reason decreased my credit line from {$1000.00} to {$6500.00} never gave me a written notice or explanation which they are required by law as to why this adverse action was taken, I have never miss or made a late payment to my account with discover. 

According to the CFPB In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. 
According to the statement above per the CFPB Discover hasnt provided me with a statement of specific or showing why adverse action was taken against me which made Discover civilly liable to me under 15 USC 1691e ( b ) because Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion XXXX and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a account with XXXX  XXXX  from XX/XX/XXXX. i paid the debt off but instead of it reporting as debt paid and closed it is wrongfully reporting as collection/chargeoff this debt was paid two years ago. i spoke to a XXXX rep on XX/XX/21, they assured me a manager was going to call and it is XXXX  & experian  who refuses to put correct status on the report this effected me horrible and drop my score over 200 points and i can not receive my fha loan for my house. i am a father of XXXX  living a middle class life. i need my credit to reflect correctly, i owe no one and this was not reporting on my XXXX  at all, i would like this to be deleted off my XXXX  & experian  asap so i can purchase my family the home they deserve its irresponsible & unfair. I sent a demand to comply & method of verification 2 weeks ago because i havent had any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting EQUIFAX and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. 
It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 
I was never late ( XX/XX/2021 ). Investigate properly and please update for 100 % accuracy. 

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

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
Product: Checking or savings account

I opened XXXX accounts with bank of the west in XXXX XXXX California. Personal checking and savings. Everything was good until i received a noticed that I couldnt deposit some checks from a job o had done 3 months prior but barely I was getting paid. I deposited a check and the bank teller last name XXXX, asked me questions where was it from and why it was given to me. When Im the check memo said it why. Then she said if the issuer of the check was going to give me more checks then I replied yes. Then she went ahead and ask why couldnt they wire the money instead. Then I replied well Im not sure as long as i get paid for the job that I did. I dont care how they pay. Then she went talked to manager assistant then proceeded to deposit the check. I went in a couple of days later to deposit another check and the same thing I got question. At this point I felt singled out and also profiled. The 3rd time I went she went and spoke to her manager again and she started to question me more then said she would need some type of prove for the job that I did. Ive never had this done to me before and thats when I felt singled out for sure. I got question more and then she said she will hold on to the check until I send prove invoice or the job. I did so later on that day and the same day the manager XXXX XXXX XXXX called me and spoke to me and told me they couldnt take the check and to please pass by pick it up. By this time the rest of the finds where being hold and she notified me that my account was going to be placed under investigation by them. Not telling me why or the reason. So in my mind it was because of my race. But I dont want to think like that. Then I walked into the branch trying to get a letter stating that my account was under investigation but they refused to give me one then the manager XXXX was not there but the assistant manager was there and was being rude to me telling me she was not aware of it and that she didnt know what was promise to me or nothing. While the whole time I was calm she was getting upset raising her voice telling me she couldnt give me no letter and telling me she wasnt there. Instead of saying let me look into it or hold on let me check your account nothing she did not help at all very unprofessional and need more training. After she just told me Im walking away know like if she didnt want to assist me for personal reasons but thats the first time Ive ever spoken to her. This was around the begging of XXXX and ever since XX/XX/XXXX my account has been on hold with my money in there I was left with no money and still have no money at all. I havent paid my bills nor my rent and I called but the manager is out no one to help me at all. I feel useless and helpless I had a very horrible experience with this bank and I just want my money so I can go ahead and bank some where else. The funds left the account that paid me so banco of the west got paid and has the money from the checks.