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

On the afternoon of XX/XX/year>, when I logged into Experian to check my credit report, the bottom of the Experian webpage showed that I had 2 pre-approved XXXX XXXX credits. I ignored it and thought it was just an advertisement. At XXXX that morning, I suddenly received an alert from Experian Credit Bureau that XXXXXX/XX/XXXX had checked my credit report without my authorization and said that I applied for their credit card. I knew nothing about this. So my credit score dropped by XXXX points. I immediately called their bank at ( XXXX ) XXXX and called again at XXXX on XX/XX/year> to explain what happened. The bank operator understood what happened, but she said that she could not find any department of their bank that had checked my record, so she gave me an address in Utah and asked me to send a letter there to explain the facts. I was preparing to buy a house recently and needed to maintain my credit score, so this incident caused me a lot of mental pressure. Two weeks later, the bank replied to my letter, saying they knew nothing, and avoiding the fact that they had checked my credit report. I saw news today about XXXX XXXX defrauding customers, so I decided to file a complaint against them. We can not let them trample on the rights of consumers so recklessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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 furnisher, s accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align my experiences, 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: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX  XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Debt collection

Per the FCRA, as a " Federal Protected Consumer ''. I am now opting out of any and all Authorization. I the consumer my have given SELECT PORTFOLIO SERVICING, written, unwritten, verbal, non-verbal. Per 12 CFR 1022.24,15 USC 6801, 15 USC 6802, 16 CFR 313.7 and 16 CFR 433.3.Per Privacy Act We filed a lawsuits on XX/XX/2023 Case Caption XXXX XXXX XXXX SELECT PORTFOLIO SERVICING, Docket number XXXX. This has been an on going violation of my rights as a " Federal Protected Consumer '' and need to CEASE AND DESIST!
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for XXXX on XXXX XXXX, they put a hold in the ck for 10 days on the XX/XX/XXXX the money was supposed to be released, but the money never was added to my balance, the just add the number to the estatement but not the money, they refuse to credit my money back
Product: Credit card or prepaid card

On XX/XX/2023 I attempted to change my unit number on my address because I am moving. I changed it online a few months ago but was locked out of my account so I had to call. The representative refused to change my address unless I gave him the three digit code from the back of my card. I do not have my cancelled card on me and I am in a middle of a move so a lot of my stuff is already packed up in boxes. They would not identify me in any other way and would not reset my password so I can have online access. No other companies ( XXXX, XXXX, XXXX, XXXX or XXXX ) had any issues with updating my information. 

I have a privacy concern because my statements are being mailed to an address at which I am no longer living, another tenant will have my statements and all of my information. 

American Express is preventing me from having online access to my account and preventing me from accessing to my statements. I am expected to make payments but I have no idea what my balance is or if there is fraud on my account due to them mailing my private information to the wrong address. 

According to Federal Reserve A credit card company must mail or deliver your credit card bill at least 21 days before your payment is due. American Express is refusing to deliver my information to the correct address as they will not make an update. 

The rep claimed that there is no other way to identify me ( I offered to send my ID, written and notarized letter and my social, as well as answer any questions ). The call ended as the rep hung up on me.
Product: Checking or savings account

To who it may concern, I was in the citizens bank on XX/XX/2022 approx XXXX in XXXX XXXX  by the rotary. I went to make a deposit to my Non Profit account and also to open another business account under the same non profit. 

This was a simple request that ended up being a complete waste of my time and quite frankly I do believe had I been a XXXX XXXX in a suit this would not have happened. I presented my ID which matched the card with my name and the business name. The staff stated they could not open the account without the correct documentation. The original account was already opened. They had everything they needed. 

They went on to say that they needed something with my actual name on it but what was in the documents didnt include my name. The paperwork may not have included my name on it as it only requires the board members not the executive director in non profit public documentation. The man then proceeded to call the original bank in XXXX, XXXX where I opened the account. That still wasnt good enough. 

At that point, highly frustrated, I then provided XXXX letters documenting that I was in fact the executive director of the non profit that had my name on it. He continued to state that he had to call to get verification. At that point he was on hold for over XXXX min. I was in that bank for over an hour. 

I left, extremely frustrated as none of it made any sense. I was trying to open a second bank account for my business. I have banked with Citizens bank for over XXXX  years. I trusted my Non Profit with them. The only thing that I can conclude here is that because I was a person of XXXX, a XXXX and not in XXXX XXXX, there was some assumption that I was not the executive director. I do a lot for the XXXX XXXX community and it is extremely unfortunate that this incident happened. I will not bank with them anymore and will let my other professional colleagues and friends not to either. 

I will be filing a formal complaint with the department of descrimination and many other sources in regards to this incident. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX ) 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


( XXXX XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit card

I signed up for a XXXX XXXX Synchrony Bank ) credit card for a one-time purchase ( {$6000.00} purchase ). I was under the impression that I had NO interest for XXXX  months. Apparently, it was deferred interest ( which was never made clear when I signed up for the credit card in the store ) where I would be charged the 28 % interest on that initial charge after the XXXX  months expired. I had a ~ {$5500.00} ( I had paid this down from {$6000.00} ) on the credit card. On XX/XX/XXXX, when the interest was charged, I was hit with a {$2100.00} charge. The interest was accounted for wrong ( even if they could charge me on the {$6000.00} and not the {$5500.00}, that charge would be {$1600.00}, not {$2100.00} ). They also advised me that I was given a 30 day grace period from XX/XX/XXXX to XX/XX/XXXX ( and I called them on XX/XX/XXXX ), but that information was never made available via email or phone and they failed to advise me. I also never received any email or phone call advising that I would be charged a large interest amount and that the XXXX  months were almost up -- they hid the ball to wait to charge me. Not only did I attempt to file a complaint, they kept cycling me through their customer service rather than escalating to management to exhaust the consumer rather than offering a real solution. The worst part about all of this is that I will now begin to pay interest on the massive {$2100.00} interest charge! These practices are incredibly shady and I will continue to pursue every resource available to me to correct these fraudulent and ambiguous business activities. These practices by laws are surely intended to undercut the consumer protection laws and take advantage of those without providing clear disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Product: Credit card

American Express credit card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting on my credit report in the amount of {$1400.00}. According to IRS regulation 6050 P, amounts over {$600.00} that are written off/charged off are required to issue a 1099 C. Income is not reported on credit reports. Please provide 1099 C so I can pay taxes to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format. 

XXXX Account ID : N/A " XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; '' I have never received any of those. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is injurious to my character and is obstructing my capability to obtain mortgage.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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

TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no XXXX verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Product: Checking or savings account

I received a call from Capitol One Fraud department about an application that was opened under my name. I spoke with several representatives, none of which gave me any information on who opened the account. There was a savings account opened in my name. And a credit card application that was attempted.
Product: Credit card

i have been the victim of several online fraud scams. i called my bank for help with this and told them i signed a contract with them but the merchants merchandise was not as described and no service was rendered.the company was XXXX chip dev. who i paid XXXX sent a contract in and that was it case closed.i thought my citi card would have looked into it a little further .i must have some recourse available to me.i am XXXX XXXX XXXX and have no functional online business, earn no money, and ended up heavily in debt. i thought citi had a fraud guarantee.i dont feel i have been treated fairly and these people use unfair and deceptive trade practices.citi does not seem to do much work investigating these merchants.i am asking for a fair resolution to my problem.
Product: Debt collection

I have file Pro Se civil case regarding this at XXXX DISTRICT OF WASHINGTON, XXXX. 

Case # XXXX I plan to serve the complaint on defendants in the next two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notified XXXX that I am a victim of identity theft. XXXX responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX thats my credit score a XXXX. Im XXXX never needed a loan or credit was having some minor identity problems that I thought were minor mistakes. I have no remarks on my credit score with FICO the other two agencys do report an XXXX XXXX XXXX in 2021 which I have no idea where that came from switched to XXXX XXXX almost a decade ago. Either way XXXX first time NEEDING a loan Im out of work, family facing homelessness in just a few days, and the FIRST time I try and get a loan Im denied because my score is a XXXX. Thats not even possible, I need a loan like now. Nobody will even consider loaning me a pen even. Please Help XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXXXX XXXXXXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX Balance {$25000.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/year> and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Equifax regards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per the Fair Credit Reporting Act, 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 reference too. These accounts : XXXX #, XXXX XXXX # XXXX. Are incomplete and inaccurate. Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )
Product: Debt collection

On XX/XX/XXXX I Received a debt collection notice from the company, National Recovery Agency. I requested copies of the account transactions showing I owed said debt on XX/XX/XXXX. In late XXXX, I received the photocopies of the account with a letter dated XX/XX/XXXX, which PRE-DATES my request for information. After careful review of the account transactions it is clearly shown that the account balance is listed as XXXX  " {$0.00} '' and the debt that is to be collected on was listed previously as a " Charge off ''. On XX/XX/XXXX, I provided this information to the National Recovery Agency, along with a spreadsheet showing the transactions and the charge-off, in addition to identifying the same on the transaction listing they provided as evidence of debt and asked them to remove my collection notice and ensure that it does not appear on my credit report or have any negative remarks for an invalid debt. 
I am now in receipt of another request from National Recovery Agency dated XX/XX/XXXX along with new photocopies of the account transactions that still show the amount that is attempted to be collected on as a " Charge-Off '' as well as showing a {$0.00} balance. The name of the account representative is XXXX XXXX. National Recovery Agency information : XXXXXXXX XXXX XXXX, XXXX, PA XXXX ; Phone XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX