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

I previously filed a complaint against Lexis Nexis a few years due to their listing someone else 's credit file, names associations with mine incorrectly, addresses, and vehicle insurance information incorrectly on my report that they have sent to my vehicle insurance company. The information is fraudulent and I believe it has led me to be targeted as high risk in ratings when I get vehicle insurance. 

Lexis Nexis supposedly removed the inaccurate information once before but now it has reappeared on a credit report. The insurance company I have did not send Lexis Nexis this incorrect information. Lexis Nexis has stored this information in their database and is reusing it providing  incorrect information to creditors about me and my spouse.
Product: Checking or savings account

XX/XX/XXXX The IRS sent {$1700.00} via electronic deposit to my *Chime Bank account. 
This payment has still not been received to date. 
*Chime is a subsidiary of Stride Bank XXXX 


XXXX XXXX XXXX XXXX  The IRS ran a trace of the payment to ensure that it was sent to the proper place. 
This trace took over 90 days to complete. 
The IRS confirmed that the payment was made and successfully received by Chime. 


XX/XX/XXXX A second payment, for {$1200.00}, is deposited by the IRS successfully, without any updates in my payment information. 
Chime goes on to later claim this is the original missing payment in question, despite the {$500.00} difference. 


After this point Chime representatives told me I must have an IRS agent call them directly by phone for any further any action or investigation to take place. 

I have been told on multiple occasions that, to my surprise, IRS representatives did, in fact, reach out to Chime to discuss the matter. Chime Bank, however, has not responded. 


XXXX I have filled 2 consumer complaints. 
Chime responded both times saying they received a payment from the IRS for {$1200.00} XXXX XXXX XXXX 
The go on to claim no further action is needed. 

Both the successful payment and the missing payment in question were Economic Impact Payments. 
They are otherwise completely unrelated. 

A second transaction from the same sender, 5 months after the initial deposit, does not resolve the any issue regarding the original transaction.
Product: Student loan

My loans from The XXXX XXXX of XXXX in XXXX, VA are to be fully XXXX due to the fact that both this school was found by the XXXX XXXX XXXX XXXX  to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off student 's loans. 
Therefore, and with that being said, Mohela has yet to fully discharge my loan ( XXXX ) balances listed on my account and forward all refunds due to me due to the XXXX Department of Education 's rulings. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke with a rep. today. about my inquiries being fraudulent. he said inquiries are factual. Inquiries are not factual and I have my identity theft police report. I did not authorize these inquiries and I want them taken off my report..i have attached my identity theft report.
Product: Debt collection

I had service with XXXX XXXX. XXXX of XXXX I closed my account with XXXX XXXX returned my devices. I called XXXX of XXXX to make sure the equipment was received and what balances I had left. I was informed that the equipment was received and I had a XXXX balance. I HEARD NOTHING FROM THIS COMPANY OR RECEIVED ANY BILLS AFTER THAT. 

It wasnt until XXXX of XXXX that I received a bill from a collection agency stating that I owed XXXX XXXX almost {$500.00} dollars. I explained to the collection agency I was unaware of any bill owed and wasnt informed by direct tv of any bill. They suggested that I call XXXX XXXX directly. I called XXXX XXXX and nothing was done I explained to them what happened and how I never received any bills from them regarding a balance and was told by the lady that I spoke too that there wasnt anything they could do because it was in collections. They couldnt even tell me if any bills or notices was sent out to me. 
I have lived in the same house with the same address for 5 years so I didnt miss any bills or notices. XXXX XXXX DIDNT EVEN GIVE ME AN ITEMIZED BILL ON WHY I OWE ALMOST {$500.00} DOLLARS.
Product: Debt collection

XXXX XXXX XXXX XXXX. company suddenly appeared on my credit report out of nowhere. Supposedly it is from a " debt '' from XX/XX/XXXX. This is absolutely false. I did not have this collection agency on my report in the past. It just recently appeared in the last few months. I know for a fact that this is not my " debt '' because I have been able to open an auto credit account with XXXX  in XX/XX/XXXX and paid for and they would have never approved me if this " debt '' was on my report. I am a recent college graduate and I currently need to relocate due to my job and have been trying to find an apartment to rent yet I have had issues trying to get approved because this supposed collection is showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to look at the attached documents to understand what happened to me and my credit report.
Product: Checking or savings account

I had charges on my bank debit card starting on XX/XX/2019 for a 5 day hotel stay that turned into a nightmare and fraud. I stayed only one night and have trying for months to get ahold of US bank to get the charges removed. They removed them initially then out them back on because my paperwork wasn't received in time. I have been contacting them for at least 2 months to resend the paperwork. Someone finally called me saying there is nothing they can do .unbelievable for a public bank. I even go into the public branches and they seem clueless how to help me get the form. In my opinion this is fraud. I get hung up on when I call their customer service or transferred to the wrong person.
Product: Credit reporting or other personal consumer reports

I have disputed this XXXX XXXX account and XXXX  multiple times to XXXX XXXX XXXX and Experian for reporting inaccurate information about my account which has effected my report for quite sometime. I have made all my payments on time and in full just to show on each company that I either havent or just with the completely different information on all three from the same account. Please delete this credit acceptance account from all three credit bureaus because they have continued to violate my rights. These accounts have been predatory and I find it quite interesting that they will fight tooth and nail to let your credit score fall almost as if they enjoy doing this to people
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX MT XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00}
Product: Mortgage

I have a VA loan on my home, and had a hardship forbearance under the Cares Act for Covid. I have been trying to get my streamline redone on my loan since XXXX, and because they didn't enter the information correctly when talking to them on the phone, they say I am no longer eligible for the streamline refinance. I then entered the information and submitted what they asked me as they said I was approved on XX/XX/2022 for a reguar refinance. The guy took all my information over the phone, said I was approved and to check back if I don't receive the paperwork in the mail in 3-4 weeks. 
I called them on XX/XX/2022 as I had not heard back from them, and the Rep. said I had been declined on XX/XX/2022. They did nothing to tell me this. Why did the guy tell me I was approved and then they disapproved it. Under the Cares Act they were supposed to automatically approve you for the refinance and move the balance to the end of your loan. I am afraid I will lose my house as I can never get a straight answer from them and the keep putting me off. Thanks! XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I mailed a certified letter to Experian requesting the method of verification they used to verify the accuracy of these accounts ; 1 ) XXXX XXXX- {$950.00} 2 ) XXXX XXXX XXXX XXXX ( 4 accounts ) 3. ) XXXX XXXX  4. ) XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX VA XXXX Experian reopened a new investigation upon receiving the request for method of verification used to verify the investigation which was opened in XX/XX/XXXX and sent to me a notification today on XX/XX/XXXXXXXX   the accounts were updated which is not what I requested from them. This issue has been ongoing since XXXX  and I have letters and certified letter mail copies of the requests for the method of verification used to make the decision these accounts were verified accurately but they have refused to comply with the requests.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding disputed information on my credit report. Despite providing evidence to support my disputes, XXXX has neither corrected nor removed inaccurate and unverifiable accounts, causing ongoing harm to my credit standing. 

My experience reflects the systemic issues highlighted in the CFPBs recent lawsuit against XXXX, including : Failure to forward consumer-provided evidence to furnishers during dispute investigations. 
Acceptance of unreliable or insufficient responses from data furnishers. 
Inadequate notification to consumers regarding the outcomes of their disputes. 

These failures have directly impacted me by leaving unresolved items on my report that are inaccurate or unverifiable. XXXX inaction constitutes a violation of my rights under the FCRA and federal law, as it has not conducted a reasonable reinvestigation of the disputed items. 

I am requesting the CFPBs assistance in ensuring that XXXX takes immediate corrective action to amend or remove the disputed accounts and complies with its legal obligations to protect consumers. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Checking or savings account

XXXX  student loan provider states that they have been attempting to auto deduct my payments from my bank account without success and my public storage payment at the beginning of aXXXX was declined as well. I have not received any fraud notifications and I have called Chase numerous times and verified my identity they are ruining my credit report
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX are in clear violation of consumer law 15 U.S. Code 1681b - Permissible purposes of consumer reports states - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give my written, nor verbal consent. To furnish these inquiries on my consumer report, these inquiries are in violation Im demanding they be removed 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
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the late payment entries related to the disputed item from my credit report. Despite my efforts to have your bureau verify the incorrect and incomplete reporting, the erroneous information remains on my report. 

Upon contacting the company, it was confirmed that an error had occurred, and they assured me over the phone that the account would be updated promptly. 

Your bureau is legally required to conduct a thorough and timely investigation of disputes, including reviewing all relevant information provided by the consumer, in this case, myself. 

Both XXXX and XXXX have already corrected this account on my report. Therefore, I kindly request that you promptly update this erroneous account. A written confirmation of the correction would be greatly appreciated. Please update the account below. 

XXXX XXXX XXXX
Product: Debt collection

I signed a lease for a student apartment in XXXX XXXX called XXXX XXXX XXXX in XX/XX/XXXX. I am a dependent of an XXXX XXXX military service member we got notice that we had to move to Washington State in XX/XX/XXXX, I then informed the property manager, XXXX, ( who doesnt work there anymore ), and he assured me hed take care of the situation. In XX/XX/XXXX I received a derogatory mark of collection from Pro Collect in the amount of {$8400.00}. I was also notified that a guy moved into the exact unit that I was supposed to move into in XX/XX/XXXX and he moved out XX/XX/XXXX. I quickly called the apartment complex and tried to resolve the situation the new property manager told me she couldnt do anything about it because she didnt have his emails or paperwork. I asked to get her boss information. I called the regional office XXXX XXXX XXXX and he told me he apologized for the inconvenience and to forward him the orders. I sent XXXX XXXX the orders and he suddenly stopped emailing me. I emailed him four times all of which I didnt receive any response. Then I left a few voicemail and even texted his cell number. Still no response, finally I decide to let him know I was going to take legal action and soon after I got a call from another women from the same regional office telling me XXXX XXXX forwarded her the information however she needed me to send he orders again, which I did - again. Then she told me that the military orders I sent were not the military orders we are used to seeing, which confused me because those are the orders everyone in the XXXX receive when they XXXX. So she informed me I needed to fill out a form, and has since not responded to any emails. I am growing frustrated because This has been a constant issue since XXXX of this year and no one is trying to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reached out to company regarding error no response or correction I filed a complaint with your organization XXXX complaint number Experian notified me that they have finished their research and my account has been updated as of XX/XX/23 they have not made any changes to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently victim to fraud. There were two attempts on XX/XX/22. Someone tried to apply for credit in my name. I don't know how this happened as my credit is locked with all three entities. XXXX and XXXX caught it and notified me. I was able to place a fraud alert with them. 
The issues is I am not able to access my Experian account, even though I have a lock on it they still gave the creditor access to my report. I have tried several times by phone and had hours of endless searching for an email address, online service department, chat options and any other way for me to contact the company. None of the phone numbers I could find will transfer me to a live person to get the situation taken care of their system just hangs up on me and tells me to go to the website, which I am not able to access. When I try to get my Experian web account the password isn't working. I attempted a reset and get messages Experian is sending the information to an email that is not mine. 
Experian has made it impossible for consumers and especially consumers victim to fraud to get issues resolved. They do not provided valid phone numbers for resolution for multiple issues. Where is there accountability and responsibility to the consumers they monitor? 
1. I can not access my web account and the password reset is sending information to an email that is not mine.

2. customer service numbers are recorded and will not transfer to a live person to get resolution for complicated issues 3. no email or chat options are available to get a hold of the company for resolution and fraud alert to this serious and multifaceted issue 4. they are handing out my information and it appears the website or data basis have been compromised.

5.they are essential for my credit safety and reporting but have no way for me to get a hold of them when there is a serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Kinum inc, harassed me by calling me multiple times a day even after I told them not to contact me multiple times. They also threatened further action of I did not pay. I agreed to a payment arrangement reluctantly because of the threat. Also I never received any certified mail letting me know about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to each credit bureau back XXXX XXXX XXXX XXXX about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about TRANSUNION reporting XXXX information on my Credit Card with XXXX  XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX. I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on AUG-OCT or XXXX and that, that information was incorrect as I had called XXXX  XXXX XXXX  and they promised to make MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! This is now my THIRD TIME asking TRANSUNION through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times!! They just simple copy and paste my original report, they are literally NOT doing ANY INVESTIGATIVE work. Which is a DIRRCT VIOLATION of my rights as they are NOT ALLOWED TO USE THE ORIGINAL CREDITOR as means for proof of accuracy and they know that!! They just dont want to have to do any work whatsoever!! They DO NOT see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained THROUGH PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record OBTAINED DIRECTLY FROM THE CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have YET to give me a fair and proper investigation! As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from the CREDITOR of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! They just continue to deny me of my rights again and again.