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

The charge card company Fortiva or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to Fortiva on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by one of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX XXXX and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great XXXX and many fXXXX XXXX. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this one account.
Product: Checking or savings account

I am writing to bring to your attention an urgent matter concerning my Chime account ending in XXXX. It has come to my notice that my cards, along with my drivers license and other essential cards, were lost or stolen, presumably dropped in an XXXX ride. 

I received multiple text alerts from Chime about attempted charges on my account, including a successful charge of {$1900.00}. The unauthorized charges were attempted at various merchants, including XXXX, XXXX, and XXXX XXXX XXXX. Despite my immediate action to dispute these charges ( Dispute # XXXX ), Chime has failed to recover the funds and continues to deny my claims and appeals, despite the provision of all necessary supporting documentation. 

I would like to highlight the following points : Prompt Reporting : I reported the unauthorized charges immediately upon discovery, in accordance with the terms and conditions of the Chime customer account agreement. 

Good Faith Provisional Credit : Provisional credit is offered to assist customers during the investigation process. Denying this credit puts me at a financial disadvantage. 
Investigation Timeline : While I understand that investigations take time, I urge Chime to expedite the process. In the meantime, I request that Chime reconsider providing provisional credit to cover the disputed amount. 

Legal Rights : As a consumer, I have legal rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Denying provisional credit without proper justification may violate these rights. 

I kindly request that Chime reevaluate my case and provide the credits am entitled to. Failure to do so may necessitate arbitration with the NY attorney general and potentially lead to a lawsuit that could disrupt Chime Financials operations. 

Please respond promptly to this matter. You can reach me at XXXX or XXXX. I appreciate your prompt attention to this issue and look forward to a swift resolution. 

XXXX XXXX - XXXX Account Number Ending In : XXXX Claim ID : XXXX / XXXX Dispute Type : Debit Charge - Unauthorized Transaction ( Everi ) Date Error Reported : XXXX Claim Amount : {$1900.00} Supporting Documents : - Screenshots of text and email alerts - scammer attempts to charge card/account - Complaint and report # XXXX filed with authorities - Time and Location report of my whereabouts ( at workplace ) when the fraudulent -transaction was made. 
- Corrected amended Chime intake-form red line and statement. 
- XXXX fraud complaint XXXX and report filed # XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXX XXXX  Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies found on my credit report that you currently maintain. These discrepancies are in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Despite my previous efforts, including multiple certified letters and direct disputes, these inaccuracies persist, necessitating this formal request for immediate corrective action. 

Account Information and Dispute Details : XXXX Account XXXX XXXX ) : This account is erroneously reported as " Charged off as bad debt '' and reflects incorrect account balances and statuses. This non-compliance with Metro 2 standards must be addressed by either correcting or deleting this entry from my credit report. 
Issues Requiring Immediate Correction : Inaccurate Account Details : The reporting of the above account does not meet the minimum standards for accuracy set forth by credit reporting guidelines. The reported balance, payment status, and term length are incorrect and misleading. 
Personal Information Errors : My name should appear consistently as XXXX XXXX across all entries. Any deviation should be corrected or deleted to avoid confusion or misrepresentation of my credit information. 
Address Discrepancies : The only valid address for me is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Any other address variations must be removed to ensure accurate reporting. 
Given the severity of these inaccuracies and their potential impact on my financial standing, I insist on a full review and correction of my credit file. Should these issues not be resolved within 30 days from the date of this letter, I am prepared to take legal action to ensure compliance and correction. 

Demand for Deletion : If you are unable to substantiate these entries with accurate, verified information that fully complies with all relevant regulations and standards, I request the immediate deletion of these disputed entries from my credit profile. 

Please acknowledge receipt of this dispute and inform me of the actions you will undertake to resolve these issues. Non-compliance will be further pursued through legal channels. 

Thank you for your prompt attention to this matter. I expect a detailed response confirming the initiation of an investigation and outlining the steps you will take to rectify the inaccuracies reported. 

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

On or around XXXX  to XXXX  I saw alot off of pre approvals on Credit Karma. At first, i wasnt sure about it but Credit Karma kept sending me all sorts of different pre approvals telling me that i would be approved for credit cards, personal loans, and refinancing my car. I would log in everyday and see these offers when checking my credit score. After a few months of seeing these offers about being pre approved I thought it was the perfect time to finally apply. I got so many offers through credit karma i started telling my whole family about them planning for future vacations and investments thinking i was already pre approved. I applied for 4 different loans and a credit card in XXXX  and XXXX  and got denied. I was so angry and i felt deceived. I was being told for months that i would be approved by Credit Karma, this was a lie. I was severely stressed out for weeks and fell into a depression along with having migraines on a day to day basis. now i dont trust anyone or anything when it comes to credit incentives and credit checking websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48.00} ; XXXX XXXX Balance : {$97.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Student loan

Navient does not allow me to use their online format to change how much I pay in automatic billing. I have twice called to increase the amount I contribute and while they have done so, they have also increased my minimum payment to match the increase. I have made those increases, with the understanding that I can choose how much I wish to contribute above the minimum, but it is dangerous to my finances if that becomes the new minimum. Navient Account # XXXX Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XXXX transunion and XXXX have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions
Product: Mortgage

XXXX/XXXX/XXXX I ordered a copy of my XXXX credit reports. I saw that so many items regarding my XXXX Mortgage were incorrect and not updated for 6 years!!!. I sent what all the errors to be corrected were to my " Mortgage Servicer " and they told me to send my corrections to my loan " Owner '' My Servicer is PHH Mortgage Service Center and my loan Owner is XXXX. XXXX told me that all that should be taken care of by The Servicer ( PHH Mortgage ) ; I am being sent in circles. 
Who is responsible for updating any information regarding my loan : PHH or XXXX?? 
Note : My Mortgage was granted a loan modification in XXXX of XXXX I can not get an answer and in the mean time my credit takes a hit because a lot is not in my favor but still incorrect. I see this as simple creditor neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I contacted Transunion in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with Transunion. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous
Product: Credit reporting, credit repair services, or other personal consumer reports

After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX XXXX  NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED XXXX  SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX XXXX  LETTERS ), XXXX HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : XXXXXXXX XXXX XXXX XXXX  ACCOUNTS, AND XXXX XXXXXXXX XXXXK. TODAY IS XX/XX/XXXX, I REQUEST XXXX TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM XXXX XXXX  XXXX FOUR ACCOUNTS, AND FROM XXXXXXXX XXXX, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.
Product: Credit card or prepaid card

I have had the Bluebird by American express/ XXXX XXXX XXXX for at least five years. Recently, I purchased something then a week later, returned it. Since it was purchased through XXXX with my American Express bluebird card, that is the way they refunded it. So everything on the XXXX and went through smoothly, it shows up on my American Express bluebird account but they will not release the funds for seven days. My account reflects that the Refund was processed XX/XX/XXXX but it says hold for merchant review. these funds not available. I dont know what kind of trickery they are trying but lately if I have a refund no matter how small or how big, American Express Bluebird has a seven day hold on it even though its on my account as a refund. My thinking is they make money and my money for seven days and they owe me interest because it has already hit my account on XX/XX/XXXX but theyre holding it. I would like to file this complaint against them and havent researched because if it showing up on my account shouldnt I have access to the funds? I have never seen this with another bank in my life. I also have a XXXX, XXXX XXXX XXXX XXXX card and none of these hold for merchant review. I know theres some loophole that theyre probably falling through because truthfully I dont think any of them are American, as suggested by American Express. The bluebird card is linked to put in my payroll, which I never had an issue with. But whenever I have a refund I have to wait seven days? Now if it never showed up for seven days I could kind of understand that but since its just sitting there in my account, someones making money and it isnt me.
Product: Credit reporting or other personal consumer reports

I have had numerous contacts with Equifax over misinformation on my credit report. First problem is that they have a previous address located in XXXX, Nevada I am a XXXX Veteran of the United States XXXX XXXX and has never been stationed, visited, lived or resided in the state of Nevada or its city of XXXX. They have never fixed that for years. Currently claiming it was reported to them on XX/XX/year>. They keep claiming the reporting date. And this has been going on over a decade or more. I have given them proof every which way I could. I also sent them a copy of my Driver 's license and my social security card. And they still haven't corrected this information. They are also listing an account with XXXX XXXX XXXX XXXX That is over nine years old. 2 years past the 7 year limit in some states and 4 years passed the limit and other states. I applied for something recently. And they refused to give a report to the potential Grantor. As I said earlier I'm a XXXX veteran. And I'm trying to straighten out something with Equifax. That's been going on for decades. And it's really sad and it's no real reason for it other than it seems to be personal retaliationby Equifax concerning my justified request for corrections. And why is that I have no idea. It is in bad faith and affecting physically.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX A 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 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: Credit reporting or other personal consumer reports

My sister was seeking a car loan and has chosen XXXX ( new car ) but in order to get the loan, she needed a driving license so she asked me to provide mine, which I did. 

The company car was suppose to address this note as the loan was never for me, it might be a mix up as I live in Illinois and my sister lives in Oregon, therefore a hard inquiry should have been done only to my sisters credit, not myself. My sister has already given a document stating her employment in Oregon to clarify the situation as the car loan company has added that it was me who was hired by XXXX and living in Oregon. 

The hard inquiry is affecting my credit score, which should be fixed. I appreciate your help in this, and I am happy to provide more information if needed. 

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

The following inquiries are not mine. These are fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into PenFed 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by PFCU 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since April of 2022 '. The failure of PenFed to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my PenFed portal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, SC XXXX Subject : Dispute of Civil Liability for Negligence and Noncompliance under FCRA Section 1681 ( o ) Dear [ Recipient 's Name ], I am writing to formally dispute the matter of civil liability for negligence and noncompliance under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) that has been attributed to me. I believe that I have been wrongfully impacted by the actions outlined in the FCRA, and I am requesting immediate action to rectify this matter.

Under section 1681 ( o ) of the FCRA, any party that fails to comply with the requirements set forth in the Act and causes damage due to negligence or willful noncompliance may be held liable for civil damages. I have reviewed my case and believe that your actions have violated the provisions of the FCRA. Specifically, the following issues need to be addressed : 1. Negligence in Compliance with FCRA Standards : failure to correct inaccurate information, failure to investigate disputes within the legally required time.

2. Impact of Noncompliance : Incorrect credit information may have harmed your credit score, caused financial harm, & led to wrongful denial of credit.

As per section 1681 ( o ), I am requesting that you immediately : 1. Correct the inaccurate information or take action to ensure compliance with the FCRA.

2. Provide me with an explanation and evidence of the steps you are taking to comply with the law.

3. Compensate me for any damages or harm that has resulted from your failure to adhere to FCRA requirements, as prescribed in section 1681 ( o ).

Please confirm receipt of this letter and provide an update on the steps you will be taking to resolve this matter. I expect a response within the legally required 30-day period, as stipulated by the FCRA.

Thank you for your prompt attention to this serious matter. Should you need further information or documentation to assist in your investigation or resolution, feel free to contact me directly. 
Sincerely, XXXX XXXX