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

XX/XX/XXXX, I looked at my report. I sent a letter to TRANSUION on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX, XXXX, KIKOFF XXXX XXXX XXXX, XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TRANSUION really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting

After looking at my credit report I noticed an unusual amount of credit inquires. Most of the inquires were inquires that had previously fallen off. I called transunion after learning about their security glitch. I was told that there was nothing they could do to help remove the high number of inquires. I believe this is negatively effecting my credit scrore. 

hard inquires not authorized or orginally fell off report ; XXXX XXXX I XXXX XXXX XXXX XXXX I 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 Also I attempted to have my name updated my personal information. I am now married and would like my married name reported on my report. Its hard trying to apply for credit and not being able to be verified because my name is different in tranunion 's system.
Product: Checking or savings account

On XX/XX/XXXX, I had TWO fraudulent transactions occur from two merchants, XXXX XXXX and XXXX for {$100.00} and {$110.00} respectively. I called Chime to dispute the transactions. They advised me that I would receive a provisional credit, an investigation would occur that could take up to 90 days, and I'd be receiving a new debit card. On XX/XX/XXXX, I received the provisional credits. I called both merchants on XX/XX/XXXX and had to leave a voicemail with XXXX Scales. I was able to speak with XXXX in the billing/fraud department of XXXX and she advised me that they already had the transaction flagged on their end as fraud and they refunded my money back that day. On XX/XX/XXXX, Chime took back both credits and sent me an email stating that NO fraudulent activity occurred. On XX/XX/XXXX, I received my new Chime debit card in the mail. I called Chime and had them open another dispute into XXXX XXXX since I had not heard back from the merchant yet. I received a provisional credit on XX/XX/XXXX for this. On XX/XX/XXXX, the credit was reversed again and Chime stated NO fraudulent activity occurred. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX called me back and stated that the transaction that occurred on XX/XX/XXXX for {$100.00} was in fact fraud and I'd be receiving a refund. Today, XX/XX/XXXX at XXXX, an amount of {$110.00} from XXXX was taken from my account. I called XXXX and they can not find any transaction or activity that occurred on their end with my NEW debit card, name, or bank account information. I called Chime right after the call ended and a representative advised me that XXXX had taken back the money they refunded me on XX/XX/XXXX. I called XXXX back and they stated that is not true and that is not something they do once a customer has been refunded. So Chime really wants me to believe that XXXX SAW the fraud alert for the transaction that occurred on XX/XX/XXXX and gave me my money back on XX/XX/XXXX, but have now taken back the refund they gave me a whole 14 days later. That's absolutely absurd! I also went to Chime 's twitter page to seek more guidance and Chime is hiding tweets from other Chime members who have experienced fraudulent transactions.
Product: Debt collection

I have to choose XXXX of the XXXX options given in the form at CFPB to describe my issue, but I am not sure my issue matched any of them well, since my issue is related to a time-barred debt as described below. 

Midland Funding LLC ( " Midland '' ) is deceptively collecting or attempting to collect from me a time-barred debt through arbitration at the XXXX XXXX XXXX ( " XXXX '' ), and thus violates the consent order issued by CFPB on XXXX XXXX 2015 against Midland ( and a few other debt collectors, defined together as " Encore '' in the consent order ). 

On or about XXXX XXXX 2015, Midland via its attorney filed to XXXX a counterclaim against me in connection with collecting or attempting to collect from me a credit card debt. This alleged credit card account is a " debt '' as defined in the consent order issued by CFPB against Midland on XXXX XXXX 2015. I, as a natural person allegedly obliged to pay this debt, is a " consumer '' as defined in this CFPB consent order. Midland is a " debt collector '' as defined in the CFPB consent order. The alleged debt is beyond the applicable statute of limitations. Midland 's conduct violates the consent order about prohibition against deceptively collecting time-barred debt through litigation or arbitration ( Paragraph XXXX in the consent order ).
Product: Mortgage

we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. An unauthorized hard inquiry was sent to Equifax for XXXX XXXX 
Didn't discover it until around XXXX or XXXX XXXX when got new credit card. 

Attempted several times to dispute online and kept getting bounced back. In XX/XX/XXXX got thru to agent at Equifax. And wasnt able to get resolved on phone. 

Sent letter from XXXX XXXX  in early XX/XX/XXXX stating XXXX XXXX  requested removal of inquiry on or around XX/XX/XXXX ; letter dated XX/XX/XXXX. To Equifax via mail. XXXX XXXX  also agreed to send notice to Equifax. 

Checked multiple times. No updates. 
Multiple online inquiries. Equifax wont remove it. They blame XXXX XXXX. XXXX XXXX  blames Equifax.
Product: Credit reporting or other personal consumer reports

Previously filed a complaint against XXXX XXXX XXXX  for a credit card that was paid in full, but listed as charged off with a balance on my credit report. I wrote to the President of the bank and asked for the payment ledger which was emailed with a response. Per the response I received, the account was closed with a XXXX balance. However, each credit bureau shows closed at credit grantor 's request with a charged off balance. If the account was paid off in full, it can not be a charge off with a balance. I have argued that this information is incorrect with the bureaus, and yet they are still reporting inaccurately. The Fair Credit Reporting Act requires accurate information be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account 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 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported, however the information is inaccurate due to arrangements being made
Product: Debt collection

XXXX XXXX XXXX. somehow indicated a debt on my account. I called HSBC at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and HSBC and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.
Product: Debt collection

ITEM IS PAID IN FULL BUT STILL BEING REPORTED AS OWING A BALANCE. ALSO THE SAME DEBT IS REPORTED ON MY CREDIT REPORT TWICE.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate. 
Delete the Inquiries below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A few months ago I had a problem with XXXX XXXX XXXX XXXX reporting me delinquent. As a result my credit score went down. After I went through months and months of disputing XXXX XXXX XXXX XXXX removed the delinquency and the Credit Bureaus never re scored my credit it continue to stay low. Nothing had changed. Later I was hit with a XXXX 90 day by XXXX XXXX XXXX which was not accurate because I had paid insurance on the credit card that would pay for up to XXXX payments a year. XXXX XXXX XXXX severs ties with the insurance company and this year the insurance company makes a payment on my credit card and XXXX XXXX XXXX reports me for a missed payment when there was a payment made. I have reached out to each of the credit bureaus ever try to help rectify this issue.
Product: Money transfer, virtual currency, or money service

I was shocked by a friend of mine, at first of how she said she made all this money through a XXXX  investor she met on XXXX so I contacted the investor to see if she could help me in investing with XXXX. So when I got in contact with her she went through some steps with me and guided me into XXXX XXXX and I did {$1000.00} in XXXX wlch is now permanently gone, and later on had me to go to this website called cryptotrustminers.com to withdraw money that I put in but I couldn't, it was a scam the whole time she kept asking for more and more money just to get a withdraw out but nothing received, I was so hurt so I contacted my bank fraud department to see what they could help with but even they failed me, so now I'm out of {$3500.00} truly sad, I got scammed out of {$1000.00} on XXXX and {$2500.00} through XXXX transfer to the fake XXXX investor I don't know who I can run to for this type of situation
Product: Checking or savings account

I opened an account with Ally Bank on XXXX XXXX, XXXX  and I deposited my stipend from XXXX  XXXX XXXX and I believe because of my age they then put the funds on hold and have yet to release them or close the account and send a check in the mail. I am trying to get the funds from this because I am pending graduation and I could use those funds for books and materials. I understand that I am XXXX and most are not enrolling in school at that age, but there is no rule that says that you can not enroll in school at that age.
Product: Student loan

I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain my free credit report or even a paid report because the online authentication fails with my correct information entered.Their website then tells me to call a certain number, during a certain time, but it is all automated. I go through the call menu options and it eventually just hangs up on me after the automated messages. I cannot get a live agent on the phone to help me get the information I need.I also am unable to complete disputes online, credit alerts, credit freeze due to your failure of a website!I've sent the company emails and am still unable to get a response!!!
Product: Debt collection

I am getting sometimes ten or more calls and voicemails daily. I have asked them to stop and they just change their phone number and call again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/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 no removed
Product: Checking or savings account

My name is XXXX XXXX, my wells fargo Acc no are XXXX, I have around XXXX XXXX + in my Wells Fargo checking account, but there fraud prevention team first stopped my online access and then blocked my account for sometime and then i called them so after verification they reopened my account, and they did this same for 3, 4 time, then finally they decided to close my bank account, as a XXXXXXXX XXXX, for me visiting branch is not possible, so they people are holding my balance, I want you to please transfer my balance to my bank account before I XXXX, so I can utilize it. 
This is an utter nonsense banking where bankers and fraud prevention team do not understand the helpless of a human being, if someone is about to XXXX and you are harrasing him for your security excuse, My only last hope is this platform, I have faith in consumer financial protection bureau, I hope i get my funds transfer to my other bank account before I XXXX. 

Yours Truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute a charge-off listed inaccurately on my credit profile. I request the removal of this inaccurate data under my rights outlined by the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite my repeated efforts to resolve this issue directly with the credit reporting agencies and/or creditors, the errors persist, causing significant and unwarranted harm to my creditworthiness. 

Account Name XXXX XXXX XXXX Account Number : XXXX Type of Inaccuracy : Inaccurate charge-off status payments history, last activity, address, Month reporting.

Legal Basis for Dispute : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Under 15 U.S.C. 1681i, consumers have the right to dispute any inaccurate or incomplete information with credit reporting agencies, which must investigate the dispute within 30 days and correct or delete inaccurate information promptly.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) : If the inaccuracy stems from actions by a debt collector, the debt collectors reporting of false or misleading information may violate 15 U.S.C. 1692e ( 8 ), which prohibits furnishing deceptive or inaccurate information to credit reporting agencies.

Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ) : As part of its enforcement authority, the CFPB oversees credit reporting agencies and financial institutions to ensure they do not engage in unfair, deceptive, or abusive acts or practices ( UDAAP ).

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : If the inaccuracies are due to identity theft, this federal law provides protection and mandates that all accounts or data related to fraudulent activity be removed from my credit report. 

On XX/XX/year>, I initiated a dispute with Equifax regarding the inaccurate charge-off information. Despite my submission of supporting documentation ( e.g., account statements, fraud affidavits, etc. ), the issue remains unresolved.

I respectfully request the following actions to resolve this matter : Investigate and ensure the immediate removal of the inaccurate charge-off information from my credit profile.

Provide written confirmation that the requested corrections have been made.

Review the practices of the credit reporting agency and/or creditor to ensure compliance with federal laws.

The inaccurate charge-off on my credit report has caused significant damage to my credit score, financial opportunities, and overall peace of mind. I urge the CFPB to investigate this matter promptly and take appropriate enforcement actions to ensure compliance with federal consumer protection laws.

Thank you for your time and attention to this matter. If additional information is required. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, Experian, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.