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

Chexsystems 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. Chexsystem has proven, in my case, to have 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 Chexsystems has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Additionally, XXXX has confirmed my information was exposed in a data breach which could have lead to the identity theft with my information. Despite Section 605B of the Fair Credit Reporting Act ( FCRA ), which gives victims of identity theft the right to block fraudulent information from their credit reports, including Chexsystems, my report was not corrected. I am requesting immediate corrective action to remove or amend the disputed accounts, as Chexsystems inaction violates federal law and my rights as a consumer.
Product: Debt collection

I made a claim to my insurance company for damages to my property during hurricane season. My mortgage company, Ditech, held the insurance check for processing and releasing of funds. After funds were processed Ditech sent a check to me so that I could pay my contractor. The check was issued for {$40000.00}. On monday, XX/XX/XXXX, I deposited the check in my bank account and advised the contractor the money was ready to start the job ( re-roofing ). I gave my contractor two personal checks for partial the amount and the job started. A few days later, I go into my bank account online and find out that the mortgage company had put a stop payment to the check. Not a phone call, not a letter nothing from Ditech, advising me that they were going to hold the funds. I contacted Ditech and was told that the reason they held the {$40000.00} check is that they were filing for bankruptcy chapter XXXX, and they were court mandated to freeze all their assets. I explained to Ditech, that there were outstanding checks written by me for the contractors and they would bounce because they stopped the payment on the insurance check. Now I am facing legal action from my contractor for non-payment and overdraft check fees for the bounced checks. Ditech told me the best they can do is issue another check since my financial institution would not redeposit the insurance check. I asked Ditech for a letter explaining the situation so I can show my contractors what the issue is, and Ditech refused to send me a written explanation of the problem, stating that is it not company policy to do that.
Product: Credit reporting or other personal consumer reports

This is absolutely ridiculous. I have been more than patient, but the fact that these accounts in pending litigation are still affecting my credit report is completely unacceptable. I have reached out over and over again, and yet, nothing has changed. My financial well-being is on the line here, and I refuse to let this slide any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit monitoring alerts that my credit score was impacted at XXXX, Equifax and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion " investigated '' an entry on my report from XXXX XXXX   XXXX  and verified the information as accurate. This would be fine, only problem is I don't have an account as listed by them so it would be one of two things. A- Transunion did not complete the investigation properly B- They're complicit C- XXXX XXXX supplied them with fraudulent information. I demand a full investigation. I have contacted my local rep and he'll be watching as your agency has dropped the ball to date
Product: Checking or savings account

On Thursday XX/XX/2020 my paycheck was directly deposited into my new Chime account. On Friday XX/XX/2020 Chime suspended my account claiming that the direct deposit deposit did not comply with Chime 's policy. They refuse to tell me how it didn't comply. I have sent Chume all of the documents they have requested in order to lift the suspension. I have spoke with their customer services multiple times over the last 7 days and nothing has been resolved. I have no access to my account seeing as they locked my out of the app/ online banking.
Product: Debt collection

This is a follow-up to a prior complaint last week against CSR ( Central States Recovery ). CSR is now telling me that they can not fix their errors, because XXXX has issued a " cease and desist '' order against them, basically telling me that it's my responsibility to correct their errors. I get nowhere with XXXX, so I'm frozen. I need to get a place to live, as well as buy a new vehicle, which now I can't do until their mess is fixed. Under the FCRA, they are required by Federal Law to correct their errors, not walk away from their errors, with their cavalier attitude. They don't return my calls, and they won't take my calls, as the receptionist sends to voicemail. Their client, XXXX XXXX, will not return calls either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax credit bureau on XX/XX/XXXX, XXXX and the XXXX to request that a mortgage account, XXXX XXXX that has a XXXX balance and the last activity on the account was on XX/XX/2007, more than 10 years ago to be deleted from my credit report. They placed it into dispute multiple times. Sometimes for the incorrect reason by speaking to a representative. However, they keep resolving my dispute without deleting this account from my credit report. They can't keep an account on my credit report for more than 10 years but that's exactly what they are doing. I want this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian mishandled my information, which myself and millions of people at risk for identify theft
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACIMA DIGITAL FKA SIMP Fraud Department XXXX XXXX XXXX XXXX FL XXXX, UT XXXX RE : ACCOUNT NUMBER ( s ) XXXX, XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. Also enclosed is a responsibilies reder the fair sedit Reporting fed as an intermation furnisher to CRAS, The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Product: Checking or savings account

XXXX XXXX 2018. Citi bank website and mobile app displaying my checking account balance as follows Available Now : {$10000.00} ( " Available Now '' is the amount in your account that is available for withdrawal .... ) On Deposit : {$11000.00} I called to Citi bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to notify about withdrawal of {$10000.00} prior to visiting branch. 
At the branch teller under the supervision of supervisor denied to do the withdrawal of {$10000.00} because they believe that the check of {$7000.00} that I deposited on XXXX XXXX at ATM is still pending. I told them that money is showing available on website, they told me that it is not available for withdrawal it is available for debit transaction (? unclear ). 
Website and app clearly states " money available '' means available for withdrawal. 

Called customer support, after long hold finally reached some representative in XXXX, who was not able to help, could not clearly explain the different between available funds and actual available at local branch and offered to withdraw money from ATM which he could technically increase a limit of up to {$5000.00}. 

So the available balance that is showing in Citi bank website or app is not the amount one can withdraw at the bank. The amount that can be withdrawn at the branch is pretty much depends on teller 's mood and personal relationship. This is my second similar experience with Citi bank outsite of my neighborhood. 

I have been banking with Citi bank for over 8 years, have excellent credit score and over {$20000.00} credit line with Citi with approximate XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. The first occurred on XXXX/XXXX/17 by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in Tennessee and the second one occurred on XXXX/XXXX/17 by Clarity Company. I know the Clarity Company has been investigated in the past for this. XXXX XXXX XXXX is looking into this matter and because of the known past history of the Clarity Company, I did not contact them.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$74000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX I Original creditor XXXX XXXX XXXX Balance : {$2200.00} CXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX  XXXX Balance : {$73000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00}
Product: Money transfer, virtual currency, or money service

I am owner of my digital wallet with BlockFi in XXXX XXXX  and the wallet is in my name. Blockfi is in the process of filing for bankruptcy. The digital assets in my wallet belong to me, and should not be used to satisfy secured creditors if bankruptcy comes.
Product: Credit reporting

My issue is an account furnished by Target this account was paid in full as a charge off and should not be currently reporting as late. I have address this issue numerous times thru letters sent and no correction has been made nor have I received a letter saying its been verified or updated.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company did not answer any of my questions or resolve my issues. IQ DATA INTERNATIONAL is trying to collect a debt I DO NOT OWE THEM. IQ DATA INTERNATIONAL has failed to provide proof and Validation that I made an agreement or contract to pay IQ DATA INTERNATIONAL. IQ DATA INTERNATIONAL also failed to respond via mail after my direct Mail in contact, that they requested from me, before 60 days had past. IQ DATA INTERNATIONAL must remove their false collection from my report. They are in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Please remove this from my report, this is false reporting. 

IQ DATA INTERNATIONAL will not provide proof that I signed an agreement to pay IQ DATA INTERNATIONAL. I do not owe IQ DATA INTERNATIONAL
Product: Vehicle loan or lease

My auto loan was refinanced in 2021 - the initial loan was through Wells Fargo from dealership. I attempted to refinance through XXXX XXXX XXXX XXXX and Wells Fargo claimed to have lost the payoff checks XXXX separate times. This resulted in me having XXXX outstanding loans with XXXX XXXX for XXXX vehicle. I did not realize this issue with Wells Fargo and the result was late payments reported to credit bureau and late fees although I was making on time payments with XXXX XXXX. 

A year later XXXX XXXX alerted me that Wells Fargo also never released the lien on my loan despite cashing the payoff check a year earlier. Had I not been alerted by XXXX of this my interest rates may have increased as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Agency committing intentional identity fraud without thoroughly investigating. I received a XXXX XXXX Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The fraudster 's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. XXXX XXXX that I am paying for on a monthly basis and I have proven documents to show that the XXXX XXXX belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. Equifax did not thoroughly conduct an investigation and have listed my XXXX XXXX information on the above fraudster 's Equifax profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my XXXX XXXX information without getting legitimate proof. I would like to file a complaint against Equifax. I have a monthly subscription with Equifax to prevent this issue from happening with XXXX XXXX. I am very upset!
Product: Checking or savings account

I purchased an automatic renewal Time Deposit Receipt in XX/XX/1994 with XXXX. XXXX was bought out and now is Bank of America. I have gone to my local branch and inquired about cashing in this Time Deposit Receipt, but they have no record of it. I was told that it may have been sold to another financial institute. I contacted Mass Division of Banks and have gone on to the website Find Mass XXXX  and there is no account that was turned over to the state for inactivity. I was told by this office to file a complaint.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed inaccurate personal information to Experian via U.S Mail and through CFPB on XX/XX/2021 and on XX/XX/2021 Specifically asking to remove this erroneous address from my credit report XXXX XXXX XXXX XXXX XXXX, NM XXXX. I ask them specifically to provide names, phone numbers, employee numbers they spoke to during this investigation which I have ask according to section 611 of the FCRA. EXPERIAN HAS FAILED TO PROVIDE PROOF OF INVESTIGATION WAS EVER MADE SO THEY MUST REMOVE THIS ITEM ACCORDING TO FCRA RULES UNDER SECTION 611 all they said is one or more source REPORT that the address belongs to my credit history without providing proof. REPORTING is not proof of nothing CAN THEY PROOF IT REALLY BELONGS TO ME. EXPERIAN YOU HAD FAILED TO PROVIDE ANY METHOD OF VERIFICATION OTHER THAN YOUR E OSCAR USELESS RESPONSES, COMPLY WITH THE LAW COMPLY WITH THE FCRA OR WITH THE HELP OF CFPB I WILL SEEK LEGAL ACTION AGAINST YOU FOR ABUSING MY RIGHTS.
Product: Debt collection

I have already contacted this company and there are being non compliance. 
I have already settle this account and the credit bureaus are not removing this account from my credit profile. Please advise me on what to do next
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Management Corp sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

Regional Management Corp is still reporting on my credit report AND is still showing a balance.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting the following companies tradelines on my consumer report that is passed the South Carolina Debt Collection 3 year Statute limitation for collecting on credit cards debts. XXXX XXXX  opened XX/XX/XXXX - last payment XX/XX/XXXX - Charge Off XXXX XXXX opened XX/XX/XXXX - last payment XX/XX/XXXX - charge off XXXX XXXX XXXX - closed account - opened XX/XX/XXXX - I have done business with them and did not give them permission to be on consumer report.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX