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

I'm looking at my credit report and i see somethings that was not correct. I sent out of several letters to the Equifax request for accounts/ items be corrected or deleted off my credit report.. It's been more than 35days since I sent out my letter. Which they fail to correct of comply. That a violation of 15 USC 1681i ( a ) ( 1 ) ( a ). Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont have a contractual agreement with this company I only have a agreement with XXXX XXXX  XXXX also it shows date of last payment inaccurate. XX/XX/year> on XXXX and XX/XX/year> on Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX show multiple open dates XX/XX/year> on transunioin and XX/XX/year> on equifax and experian. also show date of last payment XX/XX/year> on transunion and XX/XX/year> on experian and no payment on equifax.. Equifax clearly didn't verify and perform a proper verification which is a violation of Failure to comply with the following FCRA sections constitutes violations, each subject to penalties of {$1000.00} per incident : 1. 15 USC 1681i ( 7 ) : Failure to provide a description of the investigation process within 15 days of a consumer dispute. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of the disputed accounts.

3. 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information being reported.

4. 15 USC 1681c ( a ) : Reporting outdated or unverifiable information on the credit report.

5. 15 USC 1681n : Willful noncompliance with FCRA obligations, which also subjects your agency to civil liability. 
With two disputed accounts and at least five violations per account, your agency could be liable for a total of : 2 accounts 5 violations {$1000.00} per violation = {$10000.00} in fines.
Product: Debt collection

I recently received a copy of my credit report. I have contacted TransUnion a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that TransUnion has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). '' To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of my report, Please investigate the following accounts as I don't believe the information to be accurate. XXXX. XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I don't believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. XXXX. XXXX XXXX XXXX # XXXX Please remove this account. Unverified inaccurate public records XXXX  # XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Student loan

for the last year I was paying about {$470.00} dollars on my loan. The minimum payment was initially {$460.00}. I also paid a few times in the amount of {$470.00} to give myself more buffer room. I did this under the impression the amount was being applied to the principal. But now I find out that the amount was being applied to next months payment. They call it paid ahead. I do n't understand how this paid ahead works. If I am paying extra on my loan every month then it should be applied right away and not used as a credit for the next month. My loans were given to me by Discover Student Loans and are serviced by XXXX XXXX. I just would like to know What I have to do to pay more. It does n't make sense that If I pay more that my minimum payment does n't stay down over time.
Product: Checking or savings account

on XX/XX/XXXX i talked to XXXX from pnc exec. She claimed that the XXXX dollars on XXXX was an error and that one XXXX dollars was on XXXX and one was on the other on XXXX.. I checked my bank account on XX/XX/XXXX i had XXXX cent ... On XX/XX/XXXX my account was overdrawn according to the bank. I did not use my card. I always leave enough money in my account. I placed XXXX dollars in my account anyway before XXXX XXXX. I then left a message for XXXX @ XXXX XXXX XXXX XXXX. Ever since this stimulus payment relief started I have been having issues with my account. I will be filing charges with the police. 



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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, equifax, and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX   as a credit card, and equifax is reporting no account type. XXXX   is reporting a monthly payment of {$0.00}, equifax is reportng {$97.00}, and XXXX is reporting {$0.00}XXXX XXXX is reporting the last reported date as XX/XX/XXXX, equifax XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, equifax as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX  is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and Equifax is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are XXXX loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.
Product: Checking or savings account

The matter with SoFi Bank and how it chose to handle the outright fraudulent charges, string of stock orders I did not place, and what policies did I violate that prompted SoFi to indefinitely suspend my account, restrict my access and management, and what did I do to cause the SoFi XXXX department to deem me unworthy of having an account, which I have had since XXXX 2023. Meanwhile, it's declining payment of my cell phone bill and it's failure to acknowledge that my payment occurred on XXXX XXXX, the day it alerted me of the suspension lift, but on XXXX XXXX, when I received my new debit card, I was told SoFi was shutting down my account and mailing me a check. No check has arrived, and I see balances in my SoFi account. ALSO, the XXXX fraudulent XXXX charges have not been refunded and appear won't be based on its determination there was no fraud. Then if that's the case, someone tell me who I treated to an expensive XXXX XXXX  dinner, and provide me their contact information so I can confront them. SoFi Bank 's business practice have not only been ludicrous and nonsensical, but it has been mean and abusive. I have never been so compromised in my life, and I have been left with no options, no money and have XXXX prescriptions that I must pick up. This is causing me physiological harm.
Product: Credit card or prepaid card

I opened an account with XXXX and made a purchase under a special financing agreement ( no interest for 18 months ). I established a direct payment through my checking account and payments were being made on time. At one point ( about 15 months in ), my direct payment arrangement was cancelled ( not by me ) and a payment was missed. As soon as I identified this I made a double payment to get back on schedule. For the last payment amount of {$120.00}, I did not receive my statement and did not make the payment on the XX/XX/XXXX deadline. My next statement received was on XX/XX/XXXX, and they had charged me with the full interest of {$260.00}, plus my remaining {$120.00} balance. As soon as that was received, I immediately called and filed a claim with XXXX XXXX XXXX ( associated with XXXX XXXX XXXX XXXX XXXX ), as well as, made a phone payment of the {$120.00} final payment amount. They stated I would receive a ruling by mail, which I never did. I just received another statement with a balance of {$260.00}. I called and spoke to a Sr account manager who stated my claim was denied, however agreed to remove half of the balance or ~ {$130.00} which I do appreciate. She stated that if I had called within 5 days, they would have removed it all. I did not receive the next statement until 7 days after the due date, so that would have been impossible. They said they would need proof of payment by XX/XX/XXXX, which I already told them I did not do because of not receiving the statement. I do not feel responsible for the remaining XXXX {$130.00} balance and am looking for assistance. I have a {$10000.00} credit limit at this store, but will not spend another penny if they don't make this right.
Product: Debt collection

Repeated phone calls from " Portfolio Recovery Associates '' from various different phone numbers. Was notified to stop calling and I have blocked numerous numbers from them but they continue to call repeatedly numerous times of day and night and on weekends.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my XXXX XXXX, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX has engaged in deceptive business practices and falsely accused me of owing a debt that is not mine. I paid for the service for a short period of time and was charged the correct amount of which I have records of, but canceled the service due to lack of satisfaction with the offerings. Now XXXX has sent me to collections over a mere {$66.00}. Ridiculous!!! They're spending more money trying to recoup this debt rather than just writing it off. Apart from that I just don't owe it. I paid for the months I used and then stopped using the service- so logic should dictate that I don't get charged anymore. It's as simple as that. I am deeply offended that a once respectable company would resort to deceptive practices such as this just to get additional money out of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report maintained by XXXX XXXX XXXX XXXX, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of two accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by 15 U.S.C. 1681c-2, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.
Product: Checking or savings account

On XX/XX/XXXX, XXXX, and XXXX 2020 while I was admitted in a XXXX facility, my card was fraudulently used totalling {$1100.00}. There were 5 charges all together. 1 from XXXX for {$26.00} on XX/XX/XXXX, 3 from XXXX XXXX for {$53.00} each on XXXX XXXX and XX/XX/XXXX, and 1 from XXXX XXXX for {$960.00} on XX/XX/XXXX. I had lost my phone prior to being admitted on XX/XX/2020 and had my account and debit card saved on my phone in various formats. There were no charges from XX/XX/XXXX till then and I have had this bank XXXX American Express Serve/American Express National Bank ) for over 7 years and never had any spending patterns like this and never had that length of time with no charges and an over XXXX balance during this time. I disputed the charges and was told I would get a provisional credit within 10 days. On the XXXX day they declined my dispute only stating they determined they weren't fraudulent. I disrupted again and again they declined it. I have never disputed anything on this account prior and they refused to give me any other information like the address the jelwery was shipped t ok and what prepaid phone numbers were activated on XXXX XXXX. It should have been pretty obvious besides all the other reasons stated since the first charge was ordering a background report on me to get all my other information. I naively had copies of my social, passport, and license saved in my photos on this phone so the thief had everyt6hjng they needed to do this once they were able to finally unlock it. They did refund the smallest XXXX  charge of XXXX which indicates they believe it was fraud but refused to refund the other charges totalling over {$1100.00}. I have tried to reach out to XXXX XXXX repeatedly and have gotten no where with their customer service because they want me to provide the order details and address and everything I obviously don't have since I didnt make the purchase. All I have for them to go on is the card and name used for the purchase. They should be able to easily see this {$960.00} jewelry charge was shipped to the thief 's address and other information from the order but refuse to. I was not able to dispute it again with my bank after the second denial as the option was no longer there on their website. I have documentation of all the above interactions and can prove I was in a facility during these dates where no phones or wallets were allowed during the stay so had no possible way to use the account. This is apparent also from my account as for years I would never have much of a balance within a week of my payroll direct deposits but during this time I had my paychecks sitting in there untouched. Please help me get my money back. Again I've never asked this bank to refund or dispute anything in over 7 years of being a member and they treated me like I was being fradulent trying to get money back that I had spent. I have a XXXX year old XXXX son that needs daily XXXX, and am a XXXX  father and this amount of money is very significant to me