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

ChexSystem is reporting a social security in error in my consumer report, I sent my social security card several times to them but they dont remove the incorrect number they report it, ChexSystem agents are incorrectly alleging that I called them and I gave that number so they add it to my report without proof ( social security card ), they also mentioned that they called me to confirm that info but they got not answer so they was not able to confirm the number that they are alleging I provided to them otherwise I called them several times and sent proof of my social security number to correct that but they been refusing to do so. 
The only number that I ever had is the one ending in XXXX. 
Also ChexSystem is reporting a baunch of inquiries in my credit report that I disputed several times and they keep saying that are valid without providing evidence, those inquiries that I mentioned had different social security numbers as well those numbers are not reported on my report but those inquiries still in my consumer report. 
Communication abilities of ChexSystem agents are very poor since those agents are located in XXXX. 
The agents been asking for a police report saying that I didnt provide them the social security number that they alleging belongs to me but I cant file a police report without they proving me they allegations, I dont even know if they are lying to me as usual.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address a concerning issue related to a recent dispute I filed with Experian. I submitted supporting documentation in my initial dispute regarding my XXXX XXXX account, disputing the accuracy of reported information. 

However, upon attempting to initiate a second dispute, I received a response stating, " Looks like you've already filed a dispute for this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we won't process a duplicate dispute unless you provide new, relevant information. '' This response is perplexing, as I have not previously disputed this specific item. Furthermore, the statement fails to acknowledge the supporting documentation submitted in the initial dispute. 

I am filing this complaint to seek a fair and transparent resolution. The generic response from Experian lacks clarity and fails to address the specifics of my dispute. I request a thorough review of my documentation and accurate handling of this matter in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Contacted Equifax regarding my online Equifax profile listing an account that I've never seen before. Meanwhile, literally all of my tradelines and student loans are completely missing from my profile. The representative that was helping stated that she did not see the account that I was mentioning listed on her screen and tried to create a new profile for me and an error code kept popping up. Not sure if there is fraud going on, but she was unable to create a new account for me and ended attempting to transfer my call to their IT dept for further assistance and no one answered. She then provided me with XXXX # XXXX for reference promising that I would receive an email once a new account is created by IT. As of today I have not received any updates or communication regarding this very concerning issue.
Product: Debt collection

I lived in an apartment  XXXX XXXX XXXX Kansas. I broke my lease with XXXX XXXX  which legally I can without penalty sending me on XXXX. I paid the company the amount of rent that was owed for the days I occupied the apartment. The company requested for my to pay them the whole rent and that they would reimburse me. I paid them only what was owed I did not see any sense in giving money to just get it back. So I dropped off my check for the amount owed for occupancy for that month and left. Years later the company put a whole months rent on my credit report to say I didnt pay the whole rent when I was only in occupancy for 10 days before leaving. They are putting false information on my credit report and putting a collection balance of something I never even owed.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Investigate Disputed Accounts and Improper Verification by Credit Reporting Agencies and XXXX XXXX I am filing this complaint against Experian, XXXX, XXXX, and XXXX XXXX for their failure to properly investigate and verify disputed accounts on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these accounts remain on my credit report without any substantive proof of investigation, causing significant harm to my XXXX XXXX and financial standing. 

Details of the Disputed Accounts : XXXX XXXX XXXX Account Numbers : XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX ( reported to all three credit bureaus ) Additional XXXX XXXX XXXX Account Account Numbers : XXXX : XXXX Experian : XXXX XXXX : XXXX Background and Disputes : I have been disputing these accounts since XX/XX/year>, challenging their accuracy and the manner in which they were added to my credit reports. Despite my efforts, the credit bureaus have repeatedly responded with vague claims that the accounts are verified without providing any evidence or details about the verification process. 

One of the accounts ( XXXX XXXX XXXX ) was opened without my consent. ( Account Numbers : XXXX : XXXX, Experian : XXXX, XXXX : XXXX ) This account was added to my credit report while two other delinquent accounts from SELF were already being reported. I did not authorize the opening of this account, yet it has since been reported as delinquent.

I have raised concerns about multiple discrepancies within the reports of these accounts, yet the credit bureaus have failed to conduct a thorough investigation or address these inconsistencies.

FCRA Violations : Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) The credit bureaus failed to conduct a proper investigation into my disputes, merely stating the accounts were verified without providing any supporting documentation or evidence.

Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) I requested detailed information about how these accounts were verified, but no substantive response was provided, violating my right to obtain verification information. 
Reporting Inaccurate and Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) The credit bureaus and XXXX XXXX continue to report inaccurate and unverifiable accounts, which should have been removed from my credit reports. The inclusion of these accounts, especially the unauthorized one, has significantly damaged my credit score and report, causing financial and emotional distress. The lack of transparency and failure to properly investigate my disputes further exacerbates the harm caused.
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 XXXX, 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 XXXX 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 inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased orthotics from the XXXX XXXX XXXX XXXX XXXX  Store in XXXX XXXX XXXX SC at a cost if {$1700.00}. I realized that was much to costly fir off the rack orthotics. When i got home ( NC ) i looked at my receipt for XXXX Return policy. There was no mention of Returns. I went on their website foe instructions- all I found were complaints about this company being extremely difficult to get money back, if at all. I called Citibank customer service immediately for advice. I was told they would cancel the card ( ending XXXX ). On XX/XX/XXXX, i took allmerchandise back to the store, they checked the bag and boxes to ensure all products were- they were going to return the {$1700.00} to the Citibank. I explained that based on the horrible Return practices noted on their website that the account was closed. They gave me a receipt doe {$1600.00} .... I checked my Citicard and found that Citibank gave me a new account and put the {$1700.00} on that card! i called them immediately to alert them to their error. to make matters worse, they started a dispute under FRAUD ( not true ) I got a letter from Citibank that they found no evidence of fraud and i owed {$1700.00}. immediately called Citibank and they changed to bill discrepency. Ive been to the XXXX  store 3 times and they say they haven't heard from Citibank. Citi bank says they have nothing from the XXXX store. I was able to get the name and number of XXXX  bookkeeper ; she assured me twice she had sent the reimbursement to XXXX. this has been pending sinceXXXX! Ive talked to probably 10 citibank employees and all they says is they " reached out '' to XXXX. I explained over and over that XXXX sent the reimnbursement before XX/XX/XXXX, So a simple purchase/return/reimbursement has been my nightmare. Two of my XXXX  scores dropped from XXXX. Citibank did give me a provisional credit till problem solved. Please help.
Product: Credit reporting

I somehow have a fraud alert on my Experian credit report. I can not get it removed and now I am unable to be on our mortgage bc my mortgage company ca n't pull my Experian report bc of this fraud alert. My interest rate is also going up almost XXXX points bc I am unable to be on the mortgage. Mortgage company has no problems pulling the others reports w the other bureaus. 
Over the last 6 weeks -- -I have called 3 times, submitted 4 faxes, mailed a letter AND uploaded a document via Experian upload. AND THE FRAUD ALERT IS STILL THERE. 
Every time I called it was VERY difficult to get the person I spoke to to understand my problem, and the canned response was to send me to their website for help. The first phone call resolved that my address was the problem -- - not the fraud alert -- -- so I submitted a form for that. The second phone call could n't confirm that I had a fraud alert I was told that I had to pay {$10.00} ( which I did ) to get a copy of my report to verify that I did indeed have a fraud alert on my account. The next call directs me again to the Experian website -- - website said " we are unable to find you in the system '' -- - I had to call AGAIN to still not have any resolution. 
Mortgage companies and the credit bureaus are giant jerks who take advantage of good people. So now I am having to pay a higher mortgage interest rate bc I ca n't be on the loan. AND i ca n't get the fraud alert off my account AND NO ONE WILL HELP ME!
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXX - Account # XXXX - XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX ... ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, A person shall not furnish 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 inaccurate. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an 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 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 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 card

I am a sensible, prudent, mature person and would not charge {$19000.00} on drinks and a XXXX. I believe a drink was spiked ( drugged ) causing me to lose my mental capacity to reason. I had a loss of judgment and rational thought and my ability to consent to charges. My credit card company said they can do nothing because they have signed paper receipts for charges of {$19000.00}. None-the-less, I was cheated and ripped-off at XXXX Restaurant in XXXX XXXX and do n't think Credit Card Companies should do business with XXXX. They gave cash advances to the XXXX who they claim is an independent contractor for the club. The other charges were for drinks I guess.
Product: Money transfer, virtual currency, or money service

The company responded on XX/XX/2022. Venmo after agreeing on what the payments were marked and accepted as on behalf of the organization accuses that payments were instead of gifts and donations for XXXX XXXX containing XXXX, XXXX, and/or other XXXX. Those prohibited activities as Venmo alleges to justify violates of use were never conducted by the account holder. The account holder never asks XXXX buyers to note their payments as gifts but indeed accepted gifts and donations which were to clarify why those gifts and donations were accepted instead of purchases for items. Venmo 's decision to cease offering services permitted in violation of its USER Agreement is in discrimination since XXXX makes a distinction between what was the purpose of the receipts as marked The account holder will not choose liability for discrimination by Venmo which has clear evidence of what payments were received for according to its notation and is not indebted which is illegal. Venmo has not received any correspondence between the account holder and alleges customers of illegal substances. Venmo has receipt receipts as stated before noted as " Gift '' or " Donation '' as the account is for non-profit purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted several times to XXXX XXXX telling them my credit report shows as closed when it is open! Ive even disputed it through the credit report and they just sending information and say it is still closed!
Product: Checking or savings account

My chase bank gives me big fees when my utility company charge me and it overdrafts my account, I called them to decline any such charges when my money is low. They said that they wont do it they have to make it as a bank loan, and I should call my utility company, but they dont wand a debit or credit card.
Product: Vehicle loan or lease

After notifying this company and General manager of my pre approval and wanting to come in to finsih my consumer credit transaction, the GM proceeds to decline my transaction thus informing him a cash down payment is not required nor a deciding factor. He managed discriminate my credit transaction informing me I can do business else where. Pursuant to TRUTH LENDING ACT AND 15 USC 1605a the term finance charge is defined as the sum of all charges this includes the charge of a down payment.. after notifying both the GM and Drive Times customer relations supervisor of my consumer rights and my right to credit and certain transactions. I have reached out to the customer relations support email in hopes to reach out to their legal team in review of my consumer rights and public law and knowledge.
Product: Debt collection

On XX/XX/XXXX, Consumer Adjustment Co. reported this account as " collection ''. At this point I had received nothing in writing from this company. On XX/XX/XXXX, I sent a request for validation pursuant to 15 USC 1692g. This letter was sent certified mail and received on XX/XX/XXXX. After consumer Adjustment Co received my request they sent me an offer to settle ( dated XX/XX/XXXX ). On XX/XX/XXXX i received another letter from Consumer Adjustment Co. to this date, I have not received any validation of the debt. Also, Consumer Adjustment Co. is not the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB CARD add a hard inquiry on my credit report per XXXX.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account and decided to withdraw money amount left. 

My transaction is dated XXXX XXXX XXXX STILL PENDING!!! 
code : XXXX amount XXXX Up to today my money never came to my bank account. 
Costumer service replied to my many mails just once saying I need to wait more because they need to fix a problem. 

I waited more than one month to have MY money back. 
Now it 's too much time Please help
Product: Debt collection

I have tried blocking this company but they continue to call all day and from different phone numbers. all day, all weekend and it is stressful. I have blocked about 12 if not more of the phone numbers they call from. ( see below the numbers they continue to call me from ) The caller ID reads Portfolio Recovery. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. So as you can see they call all day everyday for months.I have spoken with someone and have asked them to stop calling my number it is harrassing. Obvisously my request fell upon deaf ears.
Product: Credit card or prepaid card

A company overcharged me for a service without my authorization. I submitted several pieces of documentation showing that the amount on that was charged was more than with the contracted amount with the merchant. Although I agreed to an amount of {$140.00} for services by XXXX on XX/XX/21, the final amount charged was {$220.00}. I contacted the merchant to dispute the charge and got no response. I then contacted Goldman Sachs to dispute the charge on XX/XX/21 while waiting for a response from the merchant. I submitted documentation that the charged amount should have been {$140.00}. The dispute was denied on XX/XX/21 due to with an explanation of " No response was received for the request for additional evidence in the past week. '' After contacting Goldman Sachs, the representative confirmed that the documents I provided to support the dispute were in fact included in the investigation file. They then offered to reassert the dispute. I agreed to do so and then sent in the same supporting documents on XX/XX/21. Again, on XX/XX/21 I received a notification through the XXXX XXXX app that the dispute was again denied. The representative I chatted with on XX/XX/21 stated that this was because " The merchant provided sufficient evidence that you made the purchase. '' They then stated that there was no evidence submitted by the merchant at all in either dispute. They are now refusing to provide a written explanation for the denial of the dispute and copies of the documents that were used in the decision.