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

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$6400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from LexisNexis Risk Solutions, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX. She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that XXXX made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked XXXX and XXXX According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I XXXX  the company again and learned that the XXXX  gives them a D-. I called the XXXX and they advised me what to do to address identity theft and fraud.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance. TransUnion is not complying. XXXX LOAN PAID OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the account noted below showing late payments. The accounts have never been late and paid on time. 

XXXX XXXX XXXX
Product: Credit reporting

To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/2023 first time we opened a XXXX where South State bank provide us information of XXXX at XXXX XXXX rate for 7 months. That time bank representative never explained how bank calculate the interest rate. As per our conversation even Bank employees also unaware of calculations of XXXX. South State Bank promised XXXX XXXX for 7 months. At the end of term we only got around XXXX XXXX instead of XXXX XXXX.. When we complained in CFPB. Bank never accept their fault, instead bank gave a explanation of second time XXXX That we knew how bank calculate. So first time XXXX 's problem is mo where to found. Bank closed the case.
Product: Checking or savings account

I was debited for XXXX $ from my chime checking account into an unauthorized XXXX credit card account at XXXX XXXX. Transaction number is XXXX
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 Balance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have two merchant accounts with Fiserv.My two merchant account # are XXXX and XXXXThey held my funds since last year.I filed a complaint last month and they said that will release my funds to my XXXX  checking account ending in XXXX.but i still have not yet received it.My XXXX checking account is still open and active.please release my funds to my XXXX  checking account immediately.And please tell me that when was the first day that fiser think that the hold of funds can be removed? ( when was first day that my held funds was able to release by fiser? ) .And if i did not file a complaint with them will they trying to hold my money forever? Thank you so much.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, unreasonable over-reliance on a furnishers XXXX response XXXX and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

This Auto Loan was obtained by an identity thief. This auto loan does not belong to me! please properly and thoroughly investigate this account. Please Remove This Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

Citi offered flex-pay offers directly on their website for specific transactions with varying interest rates and payment periods ( i.e. number over monthly payments ). They recently sent an email informing me that I needed to update my monthly payments to ensure flex-payment would not pay off as part of paying my monthly balance in full. I completed this, but there was an issue with the system, and the account balance + flex payment plans were all paid off. They charged me the full amount of the interest ( ~ {$200.00} ), even though they paid off all of the flexible payments early. Also, one transaction ( rent ) incurred an additional transaction fee of {$40.00}. 

I called ( XX/XX/XXXX or XXXX ) to have the flex plan system mistake to be corrected and have the original plans re-instated and they refused. They also refused to credit all of the interest or the portion remaining on future, canceled payments. 

I informed them if this happened to me, it must be happening to countless other customers. I informed them I would be submitting a report to the FTC. They informed me they would investigate and report back on XX/XX/2020 and I have not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint to the representative about my credit score. She refer to herself as XXXX. 
She could not give me an answer why my credit score was lower. 
The information was not updated as well some of the inquiries were not correct and one of the credit card balance was not updated. 
I ask if i could cancel my subscription just before one month since say she will cancel my service right away. I told her not to cancel immediately and wait until this month was finish. She could not meet my request so I told her I will cancel the subscription later. However, she told me this was a trial period and she would charge me full price of {$19.00} immediately if I do not cancel this subscription. However the website say the first month was a discounted rate at XXXX and did not mention that this was a trial period before the first month end. 
She also accuse me that I was upset about my credit score which in part I was. 
However, I was more upset on the her service that she wanted to charge me more than I signed up for. I could not talk to a supervisor because there was no one available until Monday. 
I ask to cancel my subscription and express my unhappiness about her services. 

Incident occurred on Saturday XX/XX/2019 around XXXX XXXX
Product: Credit card or prepaid card

This credit card was not opened by me and was never used by me. I contacted the card company letting them know it was not mine and I did not have an account to log in and see charges. I did not ever have possession of a card. This was a fraudulent account and I called multiple times to have it removed.
Product: Credit card

b'I applied for their credit card and for verification purposes, they asked a bunch of documents from me. Front/back of my SSN card, bank statement, lease agreement, paystubs, driver\'s license, which I all sent them in through fax as they don\'t accept any documents via email. Their fax number is XXXX XXXX XXXX  Despite doing so, they just refused my application and when I called and asked for the reason, the lady told me that they refused the application because "they couldn\'t verify my identity". I don\'t understand how they cannot verify my identity when I sent them all the documents they asked from me and this is not the first time they did this. Back in XXXX I applied for their another credit card and they made me go through the same verification process and they gave me the same reason. I don\'t think this is right at all.'
Product: Mortgage

XX/XX/2019, XXXX XXXX contacted me stating that I qualified for refinancing on FHA loan due to making payments on time. 
He was giving all the required paperwork and signatures. My information was forwarded to another company ( XXXX XXXX XXXX XXXX ). I was contacted by their Loan Processor XXXX XXXX to finish the process. I asked her if the XXXX mortgage payment could be skipped since we were refinancing. She told me that she would update the loan amount and that it would take a few days. She told me that she would contact me if there was an issue with skipping the payment. I never heard from her or Lakeview Loan Servicing about the status of my refinance. I called XXXX and emailed her as well. I also left voicemail for XXXX to call me back which he never did along with emails. I was finally able to catch XXXX in the office and I asked about the refinancing and he told me that it was cancelled due to missed payment. I was never notified from either companies that the refinancing would be cancelled because of this. They reported the missed payment to the credit bureau. There was no communication for me to make the payment and both companies dropped the ball. I am more upset with Lakeview Loan Servicing for not following up given that they were using XXXX XXXX XXXX for the refinancing. I have never missed a payment until this point and I am being penalized for the lack of professionalism and communication by Lakeview Loan Servicing.They are responsible for using a financing company that did not know how to do their jobs. I have never missed a payment until they came to me with the refinancing option. Someone should have called and communicated with me before it was even report to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a theft report from the police and none of the information has been removed. Late payment are showing on my report that are false am no investigation was done by the company.
Product: Debt collection

I recently pulled a copy of my consumer report, and noticed that there was an account with The CBE Group Inc. I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 




UNAUTHORIZED INQUIRIES : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX XXXX 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

On XX/XX/2020 i received a letter from my employer " XXXX  XXXX XXXX XXXX '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of James R. Vaughn. I only found out about the garnishment from XXXX XXXX XXXX XXXX XXXX stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for XXXX  XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX XXXX. XXXX  agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX  to discus why I was ambushed like this.
Product: Credit card

XXXX XXXX XXXX  XXXX XXXX XXXX exp XX/XX/year> I paid my entire balance in full two weeks BEFORE the due date. Interest charge of {$53.00} appears on my next bill anyway! Received nothing but XXXX excuses and fine print XXXX  from customer service and supervisor, only a {$25.00} refund. {$28.00} still owed, and that amount is now overdue, which I assume will lead to more XXXX garbage fees from this criminal enterprise. CFPB, help! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized 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 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

I request that you investigate these accounts and correct any inaccuracies promptly. According to the Fair Credit Reporting Act, it is my right to have accurate information reflected on my credit report.