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

I have contacted experience and reported alot of things in my account that did not look familiar to me I never received and explanation. Please remove all accounts report. Also on my personal information it had XXXX XXXX as if it was mine which is not and I have never used XXXX XXXX which it was on my personal items. 

Thank you for your help and time.
Product: Checking or savings account

Im VERY disappointed in Chime. After waiting over XXXX months to basically get told that their investigation is done and that they found no error when I literally spoke to a representative on the phone back in XXXX about my money being deposited into a fraudulent XXXX site, and was told that they will escalate this matter so that it could be solved urgently due to it being a high amount of money. So now Im out of {$500.00}? 

I was recommended this XXXX site ( which I didnt know was fraudulent at the time ). I had to deposit a specific amount of XXXX into the account for verification they claimed.. once I did that I noticed that I wasnt verified yet after doing so and spoke to a chat representative. They told me that it had to be the exact amount or it wont work so I had to deposit another amountexactly this time. At the time I thought nothing of it because my thoughts were Im going to withdraw everything anyway once verified. Finally, I received a pop-up claiming that Ive been notified. I went to withdraw everything from my account which was only {$500.00} worth or bitcoin and they added $ XXXX and at that point I knew it was fraudulent. I had to purchase the bitcoin vis Mercury.io so when I went to report fraud, they told me to contact my bank HENCE me contacting chimeXXXX XXXX 
The fraudulent XXXX site is called XXXX. Im sure theyve l changed their name by now..
Product: Credit reporting

On XX/XX/XXXX I voluntarily repossessed a vehicle with XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX , XXXX reported XXXX late payments to Equifax , I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year , XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off in XX/XX/XXXX. upload screen shots of said proof
Product: Debt collection

This is a third party debt collector that I never did business with, I dont know this person and I want them off my reports unless they can show me the original contract with 2 signatures. I also need tax filings, if not I can do my own sec filings. My understanding is that collectors can buy debt, but not my person property, I been damaged by this and Id like to be left alone
Product: Consumer Loan

I returned a XXXX leased BMW I-28 to the local dealership. They accepted the car back without any comment or inspection. Subsequently, we received an invoice from BMW financial for excess wear on a car that only had XXXX miles, XXXX miles BELOW the allotted mileage. When I called to determine what the charge was for, I was informed that the charge was due to the oil not being changed by the required XXXX miles. I argued the fact that the oil had in fact been changed at XXXX miles and was told that I would need to furnish a receipt to prove this and the charge would be removed. I provided the documentations ( twice ) and today was informed that charges would NOT be removed, because they NOW claimed a yellow service light was on. At the time the car was delivered back to BMW, the mileage was checked and no yellow light was evident. I would never have returned the car with a service light on. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told if I furnished the receipt for the oil change the charge would be removed. Also, I had to supply the proof twice as they claimed the first time that they did not receive it.
Product: Credit reporting or other personal consumer reports

Account name : COMMUNITY LOAN SERVICING I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/year> and XX/XX/year>. 

I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. 

Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

My credit card was used between the dates of XXXX in the amount of {$780.00}. Wells Fargo is saying I am responsible for these charges because I activated the account on XX/XX/XXXX. I did activate the 3rd credit card I received but it was after these charges were made. I made a purchase of {$44.00} on the card through XXXX. I did not make any of the other charges. 

XX/XX/XXXX XXXX XXXX XXXX - {$110.00} XX/XX/XXXX XXXX XXXX XXXX - {$93.00} XX/XX/XXXX XXXX XXXXXXXX - {$120.00} XX/XX/XXXX XXXX XXXX XXXX - {$50.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - {$8.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - {$9.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - {$110.00} XXXX  I was able to get a hold of someone at this store who confirmed the card was used for a watch battery and a {$100.00} VXXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX- {$120.00} and {$120.00} XX/XX/XXXX XXXX XXXX XXXX- {$9.00} I got a letter in the mail stating that the original card, that never showed up, was activated by me. That is impossible unless it was activated upon registering for it online. Either way, the 10 or so charges made in XXXX between XXXX, were not made by me. I swear it on everything I love. I did not make these charges. 

You won't find another XXXX XXXX, XXXX XXXX or XXXX charge anywhere on any of my accounts. I did NOT make these charges. Wells Fargo is sticking me with {$780.00} worth of fraudulent charges I DID NOT MAKE and reported when I became aware. 

Something has to be done about this. The fact that no one can verify who made the charges is a problem. It was not me. I have paid my {$44.00} for the XXXX purchase. That is the only time I have used the XXXX credit card. 

I registered for this card because I wanted to transfer money from one card to another due to the 0 % interest. I am now scared to use it because someone else has already used it. 

I spoke with XXXX Store XXXX on XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, and they confirmed the card was used XX/XX/XXXX for {$110.00} for a watch battery and a XXXX XXXX XXXX, RED FLAG! I DID NOT MAKE THIS CHARGE OR ANY OF THE OTHER CHARGES. 

All the charges were made downtown XXXX. I live in XXXX Ga, which is not far away, but I have a XXXX and a XXXX and a XXXX and a XXXX as well as a XXXX literally 2 miles from my doorstep here in XXXX. I did not make these charges. I would never need to go to any other the places this card was used at. 

Is there any other way to check and see who used the card since WF keeps coming back saying I made these charges? I did not make these charges. I am a middle-class citizen who can not afford to make a {$780.00} payment for charges I did not make let alone spend {$780.00} in 3 days. 

Please take my complaint seriously as this is really messing with my well-being. I should have never applied for this card. This is a real-life nightmare! 

I have since made the 1st payment on these fraudulent charges to maintain my credit score. 

I attached 2 pictures. One is of the 2 cards I received, and the second picture is of my call history from the day they said I activated my card. 

Thanks for hearing me out.
Product: Credit card

On XX/XX/year>, I made a prepaid charge of {$20.00} at XXXX XXXX XXXX XXXX XXXX XXXX The prepaid charge was through the in-person cashier inside the store because their gas pump 's card reader was not working. I only used about {$12.00} and some change in fuel. The exact amount is unknown. Upon looking at my statement, I realized that I was charged the full {$20.00} instead of the {$12.00} and some change. PenFed Credit Union did provide me with a temporary credit of {$8.00} while they investigated this. On XX/XX/year>, PenFed reversed the {$8.00} credit. I called their customer service line to get their reasoning. The only response the service agent could provide is that their dispute resolution agreed with the charge the vendor claimed. I then told the PenFed service agent to close all my accounts as I will be taking my business elsewhere. This is no ill-will towards the PenFed service agent, but it is my disgust with their dispute resolution department. The service agent were extremely helpful and informed me to use all the rewards points that I had and to payoff any remaining balance that were correctly charged, which I did. Thus far, my PenFed Rewards Credit Card is paid off and closed. My Money Market account is closed. The only accounts that could not be closed are the Savings Account of {$5.00} and the PenFed Cash Rewards Card with a balance of {$8.00} that I refuse to pay because I never received the full amount of the prepaid fuel charge.
Product: Debt collection

Credit Management , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX XXXX XXXX XXXX XXXX XXXX for Credit Management , LP From : XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY.

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

I have ben able to get access to my credit report and neither do some lenders. I have repeatedly contacted Equifax and received different responses regarding the issue. I was told by an agent that I needed to verify my infos by sending some items. I have faxed my informations several times. Depending on which agents you get some say that the informations were received and some say it wasn't. 
I I file complaint with the GA attorney general and the company responded that some of the documents weren't readable. That's contrary to the information that I received from a supervisor who confirmed that all the verification were complete and that it should takes 24-48 hr for the system to update and allow me and lenders to have access to my report. 
For a brief period, some lenders were able to have access to my credit file and some weren't while I am still not able to access ny account. 
On XX/XX/XXXX I spoke with rep XXXX who again confirmed receiving all the required documents on XX/XX/XXXX and that everything looks good on the system. she wasn't sure what the issue may be but decided to escalate the issue so it could get resolved asap. report XXXX Spoke with another agent on XX/XX/XXXX which agent told me that the issue might be due to a down system. report XXXX. The agent also told me that I need to get core credit from Equifax ( free services ) and that should resolve the issue. I am unable to get core care. 
I am recently applied for a mortgage and is unable to close on the loan due to the inability of lenders to access my file. I am in a position where I can loose my earnest money deposit and be forced to renew my rental lease. both situation would cause hardship to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports.

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
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 USC 1681. 
has violated my rights. 

Account name : # ( Original Creditor ) account number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

Hello, On Thursday XX/XX/XXXX my Chime Debit card was forgotten at my local XXXX and then stolen. The thief made 3 transactions with local merchants and then started sending payments to a XXXX XXXX account ( presumably hers ) until all of the money in my checking account was gone. She continued to try to make payments to the XXXX XXXX account throughout the early morning hours in smaller and smaller denominations. Chime then sent me texts asking if these were approved ( no ) transactions or fraud ( yes ). I woke up at XXXX for work and noticed I had 5 or so of these texts. I then checked my checking account to find all my money was gone. I called a rep right away, and she said I had to wait until the payments posted for me to dispute them. 
The next step was to identify the XXXX XXXX account, her name is XXXX XXXX XXXX pull up some pictures of her, talk to the merchants about surveillance, and file a police report. Yesterday the transactions posted so I disputed them with Chime while providing all the details, including the police report and an " additional crime information report ''. This morning they had already rejected my dispute, providing no details as to why. I called them again and they told me to send all the details again via email, and they told me my rebuttal was likewise rejected with no info as to why. When I called back the rep said he would send me an email immediately so I could resend my rebuttal info. I never received another email, and none of my stolen money has been returned.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Ac

t ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
Account numbers : XXXX {$320.00}, XXXX {$590.00}. 
I want reported accounts to be removed.
Product: Mortgage

From a year till now I had reported to the mortgage company and its insurance company to relive or endorse the check they are holding funds, which cause on repairs from my own pocket. The bathroom had to be repaired thos week due extensive damage to the structure. I tried to fax them the contractor estimate but they denied to accept it. I'm now short of XXXX dollars for the mortgage since the delay of funds that the company and insurance is holding up. I am late this month for the mortgage payment because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I scheduled a payment for my loan to be made on XX/XX/22. Lending Point changed the payment date ( I have several confirmation emails to illustrate that I scheduled my payment for XX/XX/22 ). They posted the payment on XX/XX/22 a day early, which withdrew from my back account a day early. Which over drew my bank account that resulted in {$120.00} in overdraft fees. 

When I approached Lending Point for an email that outline the error on their end, they asked me to provide private banking information to prove the error even though I presented the screen shots and emails showing that they took my payment a day early. When I asked to escalate my concerns they refused. All I wanted was a note from them admitting the system error so I could have my bank remove the fees. 

A company should not be able to make a payment from my bank account without my consent. they did NOT have consent from me to withdraw a payment on XX/XX/22, which is what they did. I believe this to be a system error that other clients are likely impacted by.
Product: Debt collection

This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. 

I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion ( TU ) reported publicly that XXXX ( XXXX ) is the third party vendor that supplied the bankruptcy data. I received a report XX/XX/XXXX disputing the inaccuracy of the bankruptcy file date. XX/XX/XXXX XXXX confirmed that the filed date reported to ( TU ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to TU for correction. TU did not correct or update the credit report that reflected the correction from XXXX. TU did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time.
Product: Debt collection

I have received a total of 12 calls within the last week from this debt collector. They call me MULTIPLE times a day
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), Experian the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed XXXX. Please delete these accounts from my report.