23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was at work when I received an email from Chime at XXXX XXXXXXXX XXXX 

The email contained the following : Hi XXXX, We have attached the account statement you requested. Please be aware pending transactions will not be reflected. 

You can download your Spending and Savings Account statements at the bottom of the Settings page in your Chime app! 

You can also download your account statements at www.chime.com. Select Statements from the menu on the left-hand side and select the month ( s ) you would like to download. Your current statement will be available no later than the 5th day of the next month. 



Cheers, The Chime Team Then I received an email at XXXX asking me to take a survey regarding my call experience. 

I reached out to chime at XXXX XXXX  XXXX and I was notified that someone called with my information stating that they are me. The caller requested a statement from my bank account. 


I specifically asked for chime to put extra security measures on my account but they refused to do so. The hacker has now hacked into my mobile service service provider, and attempted to get into my email. 

Chime refuses to address the issue and I am a valuable customer. My information should've never been released.
Product: Debt collection

I have had an auto loan with Global Lending LLC since 2016. When making extra payments, their website doesnt allow you to pay principal only and claims any payments over the amount due each month goes to principal. I recently found out that this is not the case, and my extra payments over the years was not going to principal. I was made aware of it this month when I made a much larger payment than usual and it was applied to future payments. They corrected that payment but are refusing to correct the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on credit report from unknown sources and lines of credit I did not apply for XXXX XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry
Product: Credit reporting

I am in the middle of trying to get a mortgage. As part of preparing to make sure my credit scores are up to snuff, I ran my free yearly credit report using XXXX free credit report website. I did that in XXXX. At the time, my Equifax credit score was XXXX. In XXXX, I contacted several mortgage companies to seek a mortgage for a home purchase. They of course ran credit report on me. XXXX company sent me the report and my Equifax score had dropped to XXXX. I called Equifax to inquire why my score dropped. The agent I talked to OPENLY admitted that they see a person making a free yearly inquiry into their credit as a negative and give the credit score a negative mark -- -Even though it 's supposed to be 100 % legal to get one 's yearly credit report without risk to one 's credit score! Furthermore the agent admitted they also take the mortgage inquires as negatives as well -- -Even those as well are supposed to NOT negatively impact a credit score if they fall within a XXXX45 day window. 

So in essence, an agent from Equifax admitted they are using illegal credit scoring practices. 

I tried to confront Equifax about this but trying to get through to them is nearly impossible. Also, once the agent admitted the truth about their practices, the phone call was disconnected and I have not been able to get back through to any other agents. 

Bad business practices by Equifax that deserve some sort of penalty? Definitely. 
I could sure use your help in this matter to help put and end to this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DESTINY XX/XX/XXXX MOHELA/DEPT OF XXXX XX/XX/XXXX MOHELA/DEPT OF XXXX XX/XX/XXXX MOHELA/ DEPT OF XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXXXXXX XXXX XXXX XXXX XXXX  {$56000.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Throughout this and last months, beginning on XX/XX/XXXX, I've tried to reach out to XXXX of TransUnion and XXXX ( XX/XX/XXXX ) to get an account to manage a credit freeze. Every time, both credit bureaus put me on long holds, and once someone answers the line, he or she gives me the wrong instructions to create an account. 

I am totally frustrated with the lack of service of these agencies charged with monitoring personal credit. Once I got a hold of a TransUnion employee, I decided to deactivate my account since I couldn't log in to it. XXXX is just as bad in not even attending to their phone or providing a way to access the service. Both bureaus stonewall me to access a credit freeze.
Product: Credit reporting or other personal consumer reports

These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to XXXX XXXX for collection. 

XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to Experian ( credit report agency ) but nothing has been done about it.
Product: Debt collection

I asked XXXX XXXX not to call my phone they said I owed {$740.00} and I asked Portfolio recoverys to write me only letters they say that I owed {$400.00} in XXXX XXXX as well as XXXX XXXX saying i owe {$130.00} in a small loan, I asked all three companies not to call my job or my moms phone and my dad '' s phone, I also asked them not to call my job or my mom and dad '' s phone but they did anyway they also called me at XXXX,XXXX,XXXX, XXXX XXXX,XXXX,XXXX, XXXX XXXX XXXX I asked them to call me at a certain time but they still call me at different times..
Product: Debt collection

To whom it may concern I have talked to the manager of the apartment of the situation that I have been in due to the loud noise of the people above me. 
Months and months before I decided to move out. I did come to the office to give my notice in advance and pay my due to the last day of staying. 
I didnt owe them anything The manager agreed to it. 
Please fix this problem and get it off my credit. 
I am trying to buy a house hope you understand Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I am writing today in regards to my account with JPMCB Card Account number XXXX. I would like to discuss the late reported in XX/XX/2020. Due to Covid I was unable to get the payment made. As soon as I was able I did make the payment quickly. I am asking for an adjustment to be made to for XX/XX/2020 to either paid as agreed or no reporting for that month due to covid and the long good standing payment history I have with your company.
Product: Student loan

In XX/XX/XXXX, I came across a loan consolidation company called 1file.org. After they agreed to pay off my loan, I gave them an upfront fee of {$600.00} and paid them {$39.00} per month the first year. For the subsequent years, I paid the {$600.00} annual fee, and they reassessed my monthly payments each year through XXXX. The monthly fee increased to {$170.00} throughout those years. I was told that they paid off my student loan, and I would only do business with them. During the pandemic, I tried to contact them regarding my payments, because my work hours were cut because of the pandemic. I discovered that their website and phone numbers were out of service. Recently, I began receiving emails from my old loan servicing company regarding my federal student loan which 1file.org insured me that they paid off and consolidated this loan. After researching the company 1file.org, I discovered the following article. https : //www.ftc.gov/news-events/press-releases/2019/11/ftc-stops-student-loan-debt-relief-scheme-allegedly-bilked Unfortunately, I have been scammed by this company that stole thousands of dollars from me. How do I pay my late fees and interest on this loan? If possible, I would like this loan to be forgiven. I have many emails dating back to XXXX regarding my payments to this company.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXXXXXX XXXX The vendor double charged me on XX/XX/XXXX last year XXXX ; I called on XX/XX/XXXX to the credit card company and complain that they fraudulent double charged me. I called back to the call center overseas and they gave me a runaround until XX/XX/XXXX of XXXX where a case number was finally documented. Case number XXXX.I was assured that the {$180.00} will be recovered.I just got off the phone todayXXXX XXXX, XXXX. Capital One is refusing to call it exactly what it is ; a fraudulent double charge to my credit card. I want my money back.
Product: Debt collection

This account does not meet the FCRA by the fact that it does not list the original creditor. I legally have the right to know who the collection agency is representing and if that debt is valid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I purchased a home in XX/XX/XXXX. As part of the mortgage escrow was selected and has been paid every month. In XX/XX/XXXX I noted that the property taxes had not been paid as outlined in the escrow agreement. I contacted PennyMac when I noticed that taxes had not been paid and let them know they had not been paid. They indicated on the first call that they inadvertently set up escrow to be paid on XX/XX/XXXX which is not in alignment with the county 's notice of when payments are due. In addition they committed to expediting the payment. It has now been 3 weeks and four conversations with continual promises to expedite payment. I've followed up each time and found the payment has not been expedited and in fact it is still not paid. A fine of approximately {$2000.00} was levied on the property. I feel there is some level of incompetence or fraud occurring with the escrow process at PennyMac. There has been no contact directly with me and I've asked each time to be notified when it was paid and have never received a call. I view this as a breach of fiduciary responsibility and as I stated I'm questions if there is some level of fraud or just basic incompetence occurring at PennyMac.
Product: Checking or savings account

I am a victim of identity theft. Someone recently opened a checking and savings account in my name using my personal information. I didnt apply for the checking or savings account with BMO Harris Bank . I have never opened a checking or savings account with BMO Harris Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted 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 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt collection

XXXXXXXX XXXX allowed a fraudulent credit card to be opened in my name. The consumer card number was XXXX The fraudulent individual spent the maximum allowed on credit, failed to pay any statements and defaulted. The bank forwarded our " bad debt '' to Midland Credit Management. 

Midland Credit Management is not responding or attempting to investigate our claim, despite police reporting of the incident and an investigation launched by XXXX. 

Midland Credit Management Contact : XXXX XXXX XXXX. XXXX XXXX, California XXXX XXXX
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 Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Disputed Fraudulent Accounts on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unresolved dispute of fraudulent accounts that have appeared on my credit report. Despite multiple attempts to resolve this matter directly with the credit bureaus, I have not received a satisfactory resolution, and the disputed items continue to negatively impact my creditworthiness. 

Below are the details of the fraudulent accounts that have been inaccurately reported on my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have diligently disputed these accounts with the credit bureaus on multiple occasions, providing all the necessary documentation and evidence to support my claim of fraud. Despite my efforts, the results have been unsatisfactory, and the disputed accounts remain on my credit report, causing significant harm to my financial reputation and creditworthiness. 

I am deeply concerned about the implications of these inaccuracies on my ability to secure credit, obtain favorable interest rates, and achieve other financial goals. As a responsible consumer, I have consistently maintained a good credit history, and these fraudulent accounts do not reflect my financial behavior accurately. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the dispute in a fair and expeditious manner. I am confident that the evidence I have provided demonstrates the fraudulent nature of these accounts, and I am eager to have my credit report corrected as soon as possible. 

Enclosed with this letter, you will find copies of the relevant documents supporting my dispute, including but not limited to : Copies of correspondence with the credit bureaus regarding the dispute. 
Proof of identity and ownership of the accounts in question. 
Any additional evidence related to the fraudulent nature of the disputed accounts. 
I trust that the CFPB will act as an impartial mediator in this dispute and ensure that my rights as a consumer are protected. I am eager to cooperate fully with any additional information or documentation required to facilitate a prompt resolution. 

Please acknowledge receipt of this complaint and inform me of the next steps in the investigation process. I would appreciate regular updates on the status of my case and a final resolution as soon as possible. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX {$0.00}
Product: Consumer Loan

I finally sit down and saw that my interest rate was high on my loan for the car that i 'm purchasing. Its a XXXX valued at XXXX when I finalized everything it came out as XXXX finance charges. Well I was thinking that was might step for that yr and amount and now I got a letter saying that they was sued and had to pay XXXX payment on the loan because of discrimination well I do n't believe it was color but I do believe it was unfair practices on their behalf. I think I could have gotten lower interest rate compared to someone with the same credit the difference was I already had a car loan out already. The company is called ALLY ....
Product: Debt collection

XXXX XXXX XXXX XXXX keeps sending other debt companies to collect a debt that is not valid or owed. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX keeps using these companies letter after letter using bad tactics to collect a debt not owed.Stop harassing me about a debt not owed. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft 2 years ago. I am disputing this account with credit management this should have never been reported to my credit reports. XXXX XXXX XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXXXXXX / XXXX XXXX was paid with creditor XXXX XXXXXXXX on XX/XX/2018 Please update and remove. XXXX and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX