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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 or other personal consumer reports

The wrong address is listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

On XX/XX/2022 an unauthorized transaction was charged to my account. I filed a dispute, and within hours Chime denied my dispute stating they see no error in the transaction. I requested documentation they used to determine their decision. They sent me screenshots of questions I answered regarding my dispute, but nothing showing what information confirmed I made the purchase. I requested to reopen my case. Chime stated I would need different back up to reopen my case. I reached out to the merchant, XXXX, and explained my situation. They confirmed with me that they showed no purchases made by me, and that Chime has not reached out to them. They provided me with a case number and advised me to give it to Chime so they can confirm I did not authorize any transactions. I gave the information to Chime and within hours they rejected my dispute claiming I did not provide different back up to support my claim. I reached out to Chime via phone and was told the same thing. The information I provided was not different and they would not continue forward with my dispute. I asked why no one at Chime is reaching out to XXXX. I explained that I'd spoken to them, and they confirmed it's an unauthorized transaction, and that they're waiting for Chime to reach out to them so they can provide Chime with this information. I was told all he could do was add these details to the notes on my account because I have not provided Chime with different back up for my dispute. I reached back out to XXXX. They again stated no one from Chime has contacted them. I received transcript stating no purchases by me show in their system. I reached out again and received transcript verifying the exact dollar amount and that nothing for that amount has ever been made by my. I gave this information to Chime and within a few hours they again denied my dispute. And stated I did not provide any different information. I called again and asked to speak to whoever handles disputes. I was told I can't speak to them because they are only reachable by email. I asked Chime to please reach out to XXXX so they can confirm the charge was not authorized by me but they continue to close my case without researching the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage lender noted that they could not pull my credit from Equifax because the name wasn't updated. I contacted Equifax 6 times within the last 2 months with issues on updating my name. My phone records will prove it. Each time I was transferred at least 2 to 3 times to speak with someone or call a different number for help. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the issue is still not fixed. I had a name change through marriage ; my full name was changed to a different one. I submitted required documentation to show proof. I submitted my driver 's license, marriage license and social security number. I needed them to fix it expeditiously because I found a home to purchase and was looking to close on it on XX/XX/XXXX. I spoke with a customer care representative from Equifax last Saturday ( XX/XX/XXXX ) and he mentioned that my name was updated and I will receive a letter in the mail in 7 business days. I did received my credit report on Tuesday ( XX/XX/XXXX ) but they misspelled my first name so my mortgage lenders ( XXXX XXXX , XXXX ) said they can't use it to pull my credit report. I called Equifax on this same day ( XX/XX/XXXX ) letting them know that they misspelled my first name ; even when I submitted documents with the correct way my name ( first, middle and last ) was to be on my credit report. She told me that their process is 7 business days but she could email me the results. The problem with that is they can't tell me which name the report is under. When you type in the name incorrectly XXXX time, it kicks you out of the systems and you are unable to get the report. I feel that they incorrectly typed my name so why do I have to wait 7 more business days for another one? I told them that I need it for closing on a home by this Friday ( XX/XX/XXXX ). I was told that there is nothing they could do for me even though it was there fault for spelling my name  incorrectly and sending it by mail. Can you please help me? I need it by Monday ( XX/XX/XXXX ) so that I can close on time.
Product: Mortgage

I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that XXXX XXXX has filed for Chapter XXXX bankruptcy as of XX/XX/year>, in the XXXX XXXX XXXX Texas. Despite this, you are still reporting an account from XXXX XXXX on my credit report with inaccurate information, including late payments. You are required by the FCRA to ensure that all information furnished is accurate, and you can not report this account without proof of accuracy from the company. Given that the company has filed for bankruptcy and has not provided proof of the account 's accuracy, I am requesting that you immediately remove the late payments and update the account to " paid as agreed '' due to the incorrect reporting. lease reference CFPB complaint XXXX to see the company 's response.
Product: Credit reporting or other personal consumer reports

Transunion is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.
Product: Credit reporting

I have an inquiries with XXXX XXXX on my report that I never applied for. I already fill up an Identity Thief documents and send to all XXXX credits bureau. I need this inquriries to be removed from Equifax.
Product: Debt collection

This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$310.00}. They have reported used XXXX, XXXX and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.
Product: Credit reporting or other personal consumer reports

XXXX continues to report a balance of {$520.00} on my XXXX account which is wrong. this is a debit credit builder account that I closed due to the inaccurate reporting to the three bureaus. XXXX 's reporting of this account AFTER it has been closed has caused me to lose financing due to the reported balance on a account that is closed. They need to remove this immediately as this is a direct violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Checking or savings account

We have fired our management company and closing the bank accounts, checking and money market, and the management company and specifically the bank are refusing to cooperate and give us any information. They will not give us deposit detail and they will not give us any bank statements. We have contacted both sides repeatedly with emails and physical visits to the bank with only to be told we have nothing for you, we no longer have this account, we can not give you anything. Then they wanted to charged us {$20.00} an hour and {$7.00} per statement which we should have been receiving all along free of charge. The errors and inaccuracies on both sides need to be looked into with XXXX and Truist Bank. We have made physical attempts at Truist Bank more than five times from XX/XX/23 to XX/XX/23. They have discontinued all communication by phone or email at this point and left us hanging blindly with no possible way to know who paid what and how to close out our accounts or balance the closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had fraud on my account back in XXXX, XXXX. Someone purchase an XXXX XXXX with my debit card online from a XXXX XXXX in XXXX, TX for the amount of {$350.00}. USAA had first refunded me the money and conducted an investigation. On XX/XX/XXXX I see USAA charged me the {$350.00} and when I called, the man at USAA said after completing their investigation, it seems I did make the purchase because all my information was in the online transaction and they could not refund me the money.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, XXXX to reinvestigate these accounts ; Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right 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 instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any 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. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r
Product: Credit reporting or other personal consumer reports

Affirm is reporting that I owe {$880.00}, which was my remaining balance prior to the account being charge-off and pushed over to one of their collection agency accounts, called XXXX! 

Honestly, I attempted to resolve this matter with Affirm prior to it being move to XXXX, but to no avail! After I contacted XXXX per Affirms instructions to satisfy the remaining account balance, a settlement was reached and agreed upon, rendering my balance paid in full. Moreover, this doesn't reflect on my XXXX credit profile, which is not fair credit reporting on my behalf. 

I have disputed this erroneous trade-line entry several time, including providing proof of payment. However, they refuse to make the correction on my file!!! This is egregious on their part!
Product: Credit reporting or other personal consumer reports

Consumer ID : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State identification ID Number : XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I don't recognize the following accounts in question. I'm a victim of identity theft and i don't recognize these accounts on my report. I'm requesting the following information to be deleted from my Early Warnings Consumer report immediately! I've attached a copy of this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with XXXX, contacted Experian, XXXX, and XXXX  to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be promptly removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$60.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX- XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$160.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and my trans union credit score randomly dropped 83 points due to a credit card balance transfer. I thought the trans union site would be the best place to resolve this problem with trans union that did not occur on XXXX or XXXX. Once on the website transunion.com I was directed to create an account. I thought this was normal, but then it asked me to enter a credit card. It did not disclose what the credit card was for, but it did not appear to be selling any thing, there was no service or price apparent anywhere so I assumed the credit card information was for identity verification. I created an account only to find that not only was I charged {$24.00} I was subscribed to a monthly service that would charge me every month for {$24.00}. How could this be? How could the entity that determines if everyone in the country is credit worthy use deceptive and crooked business practices and not be held to account for them. I cancelled immediately, but could not erase the initial charge. There is something very wrong here that should be investigated. Trans Union can not be both the arbiter of who is credit worthy and robbers who trick people with deceptive business practices. XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with and applied for a forbearance with XXXX XXXX  on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana XXXX and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit reporting act XXXX  account XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX has violated my rights. 


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

On XX/XX/XXXX ( sunday ) when downloading transactions to quicken discovered a XXXX withdrawal from our american express bank savings account to a bank called XXXX that was unknown to us. Contacted AMEX the same day but was told to call back on XXXX  which we did and initiated a dispute ( case XXXX ) on the account and froze it. They said that they would get back to us in XXXX  days. Today ( XX/XX/XXXX ) we received mail form AMEX indicating that no error had occurred and our money was not going to be refunded. After calling for more information they gave us the basic information about the account number at the XXXX bank and that the account had been setup in my my name on XX/XX/year>. We contacted XXXX who reported the account was active and verified that my basic information was correct except for mailing address. I requested that they lock the account and they have initiated an identity theft report with a case number of XXXX.